Privacy Policy

Welcome to Mere Benefits (https://www.merebenefits.com/), a website operated by Health Wealth Simplified LLC dba Mere and Mere Benefits(“we”, “us”, or “our”). By accessing and using this website, you agree to be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use the Service.

Use of the Website

The Mere Benefits website is intended for personal, non-commercial use. You agree not to misuse this site or engage in any unlawful, fraudulent, or harmful activities. We reserve the right to restrict access or remove the website at our discretion.

Copyright and Trademarks

All content on this website, including but not limited to text, graphics, logos, and images, is the property of Health Wealth Simplified LLC and protected by copyright and trademark laws. You may not reuse, copy, or reproduce content for commercial purposes without express written consent.

Links to Third-Party Websites

Our website may include links to third-party websites. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of these external sites. We recommend reviewing the terms and privacy policies of any third-party sites you visit.

Limitation of Liability

We make no warranties, express or implied, regarding the accuracy, reliability, or availability of any content on the website. Any reliance you place on such information is strictly at your own risk. Under no circumstances shall Health Wealth Simplified LLC dba Mere be liable for any loss or damage arising from use of the Service.

SMS Terms & Conditions

By opting into SMS communication through our forms or services, you consent to receive text messages from Health Wealth Simplified LLC dba Mere and Mere Benefits. These messages may include but are not limited to:

Appointment confirmations or reminders
Follow-up requests for information
Service updates or educational outreach
Billing notifications (if applicable)

Message Frequency: Varies per interaction.

Message & Data Rates: Standard message and data rates may apply.

Opt-Out: You may opt out at any time by replying STOP to any text. A confirmation will follow and you will no longer receive SMS communications from us.

Help: For assistance, reply HELP or contact us directly at info@merebenefits.com.

Carrier Disclaimer: Mobile carriers are not liable for delayed or undelivered messages.

Privacy: See our Privacy Policy for how we protect your information.

Privacy Policy

We take your privacy seriously. For details about how we collect, use, and protect your personal information, please review our Privacy Policy.

Government Program Disclaimer

Mere Benefits and Health Wealth Simplified LLC are not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Social Security Administration (SSA), the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov, or any other government agency. We are a private, independent insurance brokerage that offers services to help individuals understand their insurance and retirement options.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida. Any disputes shall be resolved in the courts located in Florida.

Changes to These Terms

We may update these Terms at any time. Continued use of the site after updates constitutes acceptance of the new terms. We recommend reviewing this page periodically.

Contact Us

If you have any questions or concerns about these Terms and Conditions, you may contact us at:

info@merebenefits.com

904-654-5450

Not affiliated with or endorsed by Medicare, Social Security, HealthCare.gov, or any government agency.

Privacy Policy & Terms of Use

Effective Date: April 14, 2025

Welcome to the official website of Health Wealth Simplified LLC, doing business as Mere and Mere Benefits. We are committed to maintaining your trust and confidence by handling your personal information with care and respect.

1. Information We Collect

We may collect personal information through the following actions:

Registering on our site
Filling out a form
Scheduling a consultation
Submitting a quote request
Subscribing to a newsletter or event

Personal data we may collect includes:

Full name
Email address
Mailing address
Phone number
IP address or device ID
Communication preferences

Non-required fields will be clearly labeled as optional.

You may also visit our site anonymously. We collect general visitor data using cookies and analytics tools (see Section 6).

How We Use Your Information

Your information may be used to:

Personalize your experience
Respond to service requests
Improve website usability
Provide education or marketing content
Notify you about plan options or policy renewals
Fulfill legal or regulatory obligations

Use of Fathom AI Notetaker

We use Fathom AI Notetaker to assist in securely recording, transcribing, and summarizing virtual meetings conducted via Zoom or similar platforms. Fathom is a HIPAA-compliant service and operates under a Business Associate Agreement (BAA) with our organization.Fathom does not use recorded data to train its artificial intelligence systems. All data—including transcripts, summaries, and recordings—is encrypted in transit and at rest, and stored in secure U.S.-based data centers. Access is restricted to authorized personnel only.Your participation in a recorded meeting constitutes consent to the use of this tool for documentation purposes. If you have any questions or concerns about this process, please contact us prior to your appointment.

Communications & Consent

By submitting your information, you consent to receive communications from Health Wealth Simplified LLC dba Mere and Mere Benefits through:

Phone calls (live or automated)
SMS text messages
Emails
Ringless voicemails
AI-assisted messaging tools

These communications may include:

Educational or service-related updates
Appointment reminders
Promotional offers
Enrollment deadline notifications

Message frequency may vary. Message and data rates may apply. You can opt out of communications at any time by replying STOP or using the unsubscribe link in emails.

SMS Terms & Conditions

a. Consent

You are not required to consent to receive SMS messages as a condition of purchasing any products or services. If you do opt in, we may contact you about:

Coverage renewals
Appointment scheduling
Claim or policy issues
General customer service needs

b. Frequency & Example

You may receive 1–4 messages per month.

Example: “Hi Lisa, it's time to review your Marketplace coverage. Want to book a time next week to

go over plan changes for 2025? Reply YES or click: [link]”

c. Charges

Standard text messaging and data rates may apply. These fees vary based on your mobile provider.

d. Opt-In & Opt-Out

You opt in via:

Online form submission
Verbal or written request

To opt out, reply STOP to any message or email info@merebenefits.com.

e. Help

Text HELP or contact our team at 904-654-5450 or info@merebenefits.com.

f. Data Sharing

Phone numbers and SMS opt-in data are never shared with third parties for marketing purposes.

This data is retained solely for internal communication.

g. AI-Generated Communications

Some messages and calls may be generated or delivered through automated or AI-driven systems.

This includes both inbound and outbound communication for purposes such as appointment

reminders, customer service, plan education, or marketing-related updates.

Not a Government Agency

We are not affiliated with or endorsed by any government agency, including:

The Centers for Medicare & Medicaid Services (CMS)
Social Security Administration
Health Insurance Marketplace (healthcare.gov)

Our team includes licensed agents who provide information and services in accordance with

federal and state guidelines, but we are not the government.

Cookies & Analytics

We use cookies and tools like Google Analytics to improve your website experience. Cookies are

used to:

Understand user behavior
Test web features
Track marketing campaigns

You can disable cookies through your browser settings. If you wish to opt out of Google Analytics,

visit: https://tools.google.com/dlpage/gaoptout.

How We Protect Your Data

Your data is protected by:

SSL encryption
Password-protected systems
Limited internal access to sensitive information

We do not store credit card or Social Security numbers after transactions are processed.

8. Sharing of Data

We do not sell, trade, or rent your personal information. We may share information with trusted third-party vendors solely for business operations, such as lead tracking, appointment systems, or communications support. We will only release personal data when legally required or to protect rights, safety, or property.

9. Third-Party Links

We may include links to third-party tools or websites. These platforms operate under separate privacy policies. We are not responsible for their content or data practices.

10. Do Not Track Disclosure

Some browsers offer a “Do Not Track” (DNT) setting. Our website currently does not respond to DNT signals.

11. Children’s Privacy

Our website and services are directed to adults 18 years or older. We do not knowingly collect personal data from anyone under 18.

12. Data Retention & Your Rights

We retain personal information only as long as necessary for business or legal purposes. You may request:

Access to your data
Corrections or updates
Deletion of your data (where legally permitted)

Email us at info@merebenefits.com to submit requests.

Copyright, Trademarks, and Use Restrictions

All content, logos, and branding on this site are owned by Health Wealth Simplified LLC. Content may not be copied, modified, or reused without prior written consent. This site is intended for personal use only.

Website Disclaimer

The information provided on this site is for educational purposes only. It is not legal, tax, or financial advice and should not be relied on in place of professional consultation. Use of this site is at your own risk. Mere shall not be liable for any direct, indirect, or incidental damages arising from its use.

Updates to This Policy

Last Updated: April 14, 2025

We reserve the right to update this Privacy Policy and Terms of Use at any time. The most recent version will always be available on this page.

Contact Us

If you have any questions or requests related to this policy, please contact: