Privacy Policy and Disclaimer

Privacy Notice

Xchange Benefits LLC® (“XB”) and its subsidiary companies respect the confidentiality of medical information and will protect that information in a responsible manner. We have a comprehensive privacy program in place that limits access to personal medical information to only those persons who need to know said information in order to provide the products and services managed by XB. These products and services are inclusive of, but not limited to, medical stop loss underwriting and reimbursement adjudication, Affinity-sold health products, and Travel insurance. The persons who have access to medical information are trained and monitored on the appropriate safeguarding of this sensitive material. Confidential medical information may include information that is individually identifiable health information which may be provided by a third-party administrator, health care provider, a health plan, a utilization review vendor, or a consultant appointed by an employer group. Usually, this information is assigned a unique identifier as part of a safeguarding process. XB limits the collection of confidential medical information to that which is necessary, to manage, service, and administer in-force and prospective business opportunities.


Xchange Benefits LLC® (“XB”) and its subsidiary companies will use reasonable efforts to include accurate and up-to-date information on this Site. However, you assume total responsibility and risk for your use of this Site and Site-related services. The information on this Site is subject to change at any time and without notice. XB makes no warranties nor representations of any kind with respect to the information, forms, programs, images, or other documentation on this Site, either implied or expressed, including but not limited to, warranties of merchantability of fitness for a particular purpose. All registered or unregistered users agree, that all access to and use of this Site and any content, thereof, is at their own risk. Users of this and any other website are strongly advised to obtain and use the appropriate anti-virus/security software, as XB disclaims all liability for any computer viruses or other disabling computer code that may be loaded into a user’s computer when they download documents from this or any other website. Neither XB nor any parties involved in creating, producing, or delivering this Site shall be liable to any person, persons, or organization for direct, incidental, special, consequential, indirect, or punitive damages arising out of the access to, use of, reliance on or inability to use this Site, or any errors or omissions in the content thereof.