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QQ Benefits

Copyright, Privacy Policy, Disclaimers & Trademark Notices

Copyright Information

COPYRIGHT, TRADEMARK AND DISCLAIMER NOTICES. The qqBenefits web site is an online information service provided by Naraine, Inc. Although the information is available to anyone, qqBenefits retains copyrights on all text and graphic images. Therefore, you may not (1) Distribute any of the contents (text or graphics) of this site without the express written permission of qqBenefits; (2) Include the information on your own server or in your own documents without qqBenefits' permission; (3) Modify or re-use the text or graphics located on qqBenefits' web site.

You may print copies of the information for your own personal use or store files on your own computer for your personal use only.

Naraine, Inc. reserves all other rights.

COPYRIGHT NOTICE. Copyright © Naraine, Inc. 1992 - 2020. All rights reserved.

TRADEMARKS. The qqBenefits brand, name and logo are registered trademarks of Naraine, Inc. The names of other companies and products mentioned herein may be the trademarks of their respective owners.

LINKS TO THIRD PARTY SITES. Some of the links in this area allow you to leave the qqBenefits Web Site. Linked sites are not under the control of the Naraine, Inc. and as such is not responsible for the contents of any linked site. The links are provided for convenience only.

Our Privacy Policy

We respect the privacy rights of individuals who visit and use the qqBenefits web site. As such your information is always kept confidential. We employ the highest levels of encryption on our web site, and your information is never sold or distributed to other insurance agents or third parties.

For purposes of this site, we may collect and use your email or phone/text number that you provide in order to respond to your inquiry or to send you information about a service or resource that you expressed interest in. In addition, we may receive information from the third-party sites that you access through the qqBenefits site.

Information Collection and Use:


When you interact with the Site, we try to make that experience simple and meaningful. When you visit our Site, our Web server sends a cookie to your computer. Cookies are files that Web browsers place on a computer's hard drive and are used to indicate whether you have visited the Site previously.

Choices about Cookies: You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.)

If you reject all cookies, you will not be able to use qqBenefits' services that require you to "sign in," and you may not be able to take full advantage of all offerings in your account.

Our Practices Regarding Cookies: qqBenefits uses cookies for a number of purposes, including to: access your account information when you "sign in," so that we can provide you with customized content; keep track of preferences you specify while you are using qqBenefits' services; estimate and report our total audience size and traffic; and conduct research to improve qqBenefits content and services.

Third Party Cookies: We may from time to time engage third parties to track and analyze non-personally identifiable usage and volume statistical information from visitors to our Site to help us administer our Site and improve its quality. Such third parties may use cookies to help track visitor behavior. Such cookies will not be used to associate individual website visitors to any personally identifiable information. All data collected by such third parties on behalf of qqBenefits is used only to provide us with information on Site usage and is not shared with any other third parties.

Third-Party Sites

The Site contains links to other web sites. qqBenefits is not responsible for the privacy practices or the content of these other web sites. Customers and visitors will need to check the policy statement of these other web sites to understand their policies. Customers and visitors who access a linked site may be disclosing their private information. It is the responsibility of the user to keep such information private and confidential.


Occasionally, we survey our Users to provide us more insight into the nature of their usage, to obtain a demographic profile of our Users, or to request feedback on existing or future features and services. Participation in these surveys is completely voluntary, and the User therefore has a choice whether or not to disclose this information. User's personally identifiable information is not shared with third parties unless we give prior notice and choice.

Opt Out/ Choice

If you do not want to receive e-mail newsletters from us in the future, please let us know by sending us e-mail at the address in the questions section of the privacy statement. You can opt out of receiving newsletters directly in the email you've received by selecting the "Unsubscribe" function present in each email. If you supply us with your postal address on-line you will only receive the information for which you provided us your address.

Persons who supply us with their telephone numbers on-line may receive telephone contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls, please let us know by sending us e-mail at the address below, or calling us at the telephone number provided. Please provide us with your name and phone number when you call to unsubscribe and we will be sure your name is removed from the list we share with other organizations.

If our information practices undergo a material change at some time in the future we will contact you by email and a prominent notice on our site before we use your data for these new purposes to notify you of the policy change and to provide you with the ability to opt out of these new uses.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.


With respect to security: When we transfer and receive certain types of sensitive information such as financial or health information, we redirect visitors to a secure server and will notify visitors through a pop-up screen on our site.

Our Site has security measures in place to help protect against the loss, misuse, and alteration of the personal information and Data under our control. qqBenefits hosts the site in a secure server environment that uses a firewall and other industry-standard technology to help prevent interference or access from outside intruders. qqBenefits also requires that unique user names and passwords must be entered each time a customer logs on to the Site. We use SSL encryption to ensure that users' sensitive information is protected and encrypted when processing credit card transactions.

Governing Law

These Terms of Use and your use of our website are governed exclusively by the laws of the State of Florida, without reference to its rules regarding choice of law.

Limitation of Liability

You agree that you use this website at your own risk. qqBenefits has no liability for any damages (whether direct or indirect, special, incidental, consequential or punitive) incurred by you as a result of your use of this website or the information you receive from or submit to this website.

qqBenefits has no liability whatsoever for failure of electronic or mechanical equipment or communication, telephone or other connection problems, computer viruses, unauthorized access or interception of data from this website, theft or errors.

Ownership and Copyright Protection

All right, title and interest in the content (including software, text and images) and other intellectual property (including trademarks, service marks and copyrights) on this website are solely and exclusively the property of qqBenefits or its licensors, and are protected by intellectual property laws. You acknowledge that content available through the website, including, without limitation, content of third parties is protected by copyright, trademark, patent or other intellectual proprietary rights and laws.


If you have any questions about this Statement or the practices of this Site, please contact us at Our postal address is:
qqBenefits, 15263 Burnaby Dr, Naples, FL 34110
We can also be reached via e-mail at or you can reach us by telephone at 800-644-9232
If you feel that this site is not following its stated information policy, you may contact us at the addresses or phone number above, or the chief executive officer at