This Privacy Policy explains how personal information is collected, used, disclosed, and protected when you visit or interact with websites operated by Korben Luther ("we," "us," or "our"). This policy is written to comply with applicable United States privacy laws in effect in 2026, including the California Consumer Privacy Act as amended by the California Privacy Rights Act and similar state privacy laws.
This Privacy Policy applies to all visitors and users of the following websites: https://abxbenefithelp.com/my-abx-home-page, https://abxbenefithelp.com/abx-and-korben-personal-federal-benefits-review, https://abxbenefithelp.com/more-prook-click-here-page,https://abxbenefithelp.com/welcome-to-the-world-of-federal-benefits-page, https://abxbenefithelp.com/martikas-testominal-page, https://abxbenefithelp.com/vals-guidance-page, and https://abxbenefithelp.com/schedule-page. These websites are collectively referred to as the “Websites.”
The Websites are intended to provide general educational information related to federal employee benefits. No legal, tax, insurance, or investment advice is provided through the Websites, and no recommendations are made regarding specific financial, insurance, or investment decisions.
This Privacy Policy governs information collected online through the Websites and through related electronic communications, including email and SMS messaging. It does not apply to information collected offline or through third-party websites that are not owned or controlled by us.
Depending on how you interact with the Websites, we may collect personal information that identifies, relates to, describes, or could reasonably be associated with you. This information may include your name, email address, telephone number, and Internet Protocol address. We may also collect information related to your interaction with the Websites, such as pages viewed, forms submitted, and general traffic or usage data generated through our website platform and customer relationship management system.
We do not intentionally collect, request, or process sensitive personal information. This includes precise geolocation data, biometric identifiers, genetic data, health or medical information, and neural data such as brain activity or neural signal information. If any such information is inadvertently received, it is not used for any purpose and is handled in accordance with applicable law.
Personal information is collected directly from you when you voluntarily submit information through website forms, request information, schedule appointments, or communicate with us via email or SMS. Limited technical information may also be collected automatically as part of standard website operations, security measures, and system functionality.
Personal information is used only for legitimate business and operational purposes. These purposes include providing general educational information related to federal employee benefits, responding to inquiries, scheduling and confirming appointments, sending reminders and requested follow-up communications, managing internal notifications and workflows, maintaining the functionality and security of the Websites, and complying with applicable legal and regulatory obligations.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
If you provide your mobile number through our scheduling forms and select the SMS consent checkbox, you consent to receive appointment-related text messages from Korben Luther regarding your federal benefits review, including confirmations, reminders, and follow-up scheduling communications.
Message frequency may vary. Message and data rates may apply.
You may opt out at any time by replying STOP. For assistance, reply HELP or contact us at [email protected].
Text messaging consent is not a condition of purchase.
We use limited automation tools within our customer relationship management system to support communication and internal processes. These tools may be used to enroll contacts into email campaigns, send appointment confirmations or reminders, process unsubscribe requests, and generate internal administrative notifications.
These automated processes do not involve profiling, eligibility determinations, or automated decision-making that produces legal or similarly significant effects on individuals.
All automated communications include appropriate opt-out mechanisms and comply with applicable federal and state communication laws, including the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act.
Personal information may be submitted through online forms associated with advertising campaigns, educational landing pages, or appointment scheduling tools operated by us. All information collected through such forms is governed by this Privacy Policy and handled in accordance with applicable privacy laws.
The Websites do not currently use third-party analytics tools such as Google Analytics or advertising pixels such as Meta or Facebook Pixel. If such technologies are implemented in the future, this Privacy Policy will be updated to reflect those changes.
We do not sell, rent, trade, or share personal information with third parties for monetary or cross-context behavioral advertising purposes. Personal information is used solely for the operational purposes described in this Privacy Policy and is not disclosed to third parties except as necessary to provide services, comply with legal obligations, or protect our rights.
We may use third-party platforms, including social media and advertising platforms such as Facebook and Instagram, to promote educational content and allow users to access our Websites. These platforms may collect information independently through their own technologies and are governed by their respective privacy policies.
Any personal information submitted through our Websites is not shared with advertising platforms for targeting or remarketing unless explicitly disclosed and permitted by applicable law. We do not receive or access sensitive personal data collected directly by third-party platforms.
The Websites recognize and honor Global Privacy Control signals where supported by browsers or devices. When a valid Global Privacy Control signal is detected, it is treated as a request to opt out of the sale or sharing of personal information where applicable under state privacy laws.
The Websites are not directed to children or minors under the age of eighteen. We do not knowingly collect personal information from minors and do not engage in targeted advertising toward minors.
Depending on your state of residence, you may have certain rights regarding your personal information. These rights may include the right to access personal information maintained about you, request correction of inaccurate information, request deletion of personal information, obtain a portable copy of personal information, and opt out of certain data processing activities where applicable.
Requests to exercise privacy rights must be submitted using the contact information provided below. We respond to verified requests within the timeframes required by applicable law.
We maintain reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission or storage is completely secure, and absolute security cannot be guaranteed.
Personal information is retained only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy unless a longer retention period is required or permitted by law.
This Privacy Policy is reviewed at least annually and may be updated periodically to reflect changes in legal requirements, business practices, or technology. The effective date at the top of this page indicates when the policy was last updated.
If you have questions about this Privacy Policy or wish to exercise your privacy rights, you may contact Korben Luther at [email protected].
Korben Luther works with American Benefits Exchange, an organization that has assisted federal employees with benefits education for more than fifteen years. The Websites are operated independently and are intended solely for informational and educational purposes. Korben is an independent insurance agent operating under American Benefits Exchange. This website is not the official website of American Benefits Exchange.