If using TAI/PBA for Electronic Funds Transfers: I authorize Transaction Allotment, Inc. dba Professional Benefit Administrators ("TAI/PBA") to perform electronic funds transfer (EFT) debits from the account that I indicate, and I authorize my financial institution to debit from the account for payments due as described by the instructions I have provided to TAI/PBA. I understand that the funds, less the Service Fee(s), will be used to make payments to my billers (identified by me and acceptable to TAI/PBA) in the amount(s) that I indicate. I acknowledge that if any EFT attempt is returned/declined resulting in insufficient funds to pay my bill(s) in full, then my bills may not be paid, and that punitive action may be taken by my billers, up to and including late fees and cancellation.

If using TAI/PBA for Direct Deposits: I have authorized another party ("Originator") to send funds to TAI/PBA where the funds will be placed into the Holding Account designated for me. I attest and understand that the funds, less the Service Fee(s), will be used to make payments to my billers (identified by me and acceptable to TAI/PBA). I understand that my bills may be affected if I cancel this Direct Deposit Authorization or if the Originator cannot, or will not perform the Direct Deposit on my behalf.

This authorization is to remain in effect until the Originator has received written notification from me of its cancellation. I may cancel this authorization at any time; however, I must allow my Originator a reasonable time to act upon the cancellation notice.

TAI/PBA's function: I acknowledge that TAI/PBA is functioning as a Collector on the behalf of me, my employer, my Biller(s), a group within which I am a member, or any combination of these entities. As such, TAI/PBA will only draft or accept deposits for specific amounts needed in response to an invoice/bill. TAI/PBA will NOT intentionally accumulate funds other than for the express purpose of remitting the funds to my Biller(s).

Communications: I understand and acknowledge that: (a) TAI/PBA will communicate with me via email and/or cell phone text messages, (b) I am required to provide one or both of these to TAI/PBA, (c) TAI/PBA will use these as the primary means of communicating with me, (d) if I do not supply a valid email and/or cell phone number, then TAI/PBA has no obligation to communicate with me by other means, (e) if I change my email or cell phone number, I must provide the new information to TAI/PBA, and (f) TAI/PBA is not responsible for any costs, fees, or charges related to my email and/or cell phone communications. I further understand and acknowledge that when communicating with TAI/PBA, in any form, TAI/PBA may, at its sole discretion record, copy, and save all communications without limitation.

Processing Rights and Obligations: This Processing Terms and Conditions Agreement describes your rights and obligations as a user of Transaction Allotment, Inc. dba Professional Benefit Administrators ("TAI/PBA") and its processing services ("TAI/PBA Services"). Use of the TAI/PBA Services indicates acceptance of terms and conditions set forth in the Processing Terms and Conditions Agreement ("Agreement"), as each may be amended from time to time. This Agreement is provided in electronic form, and by using the TAI/PBA Services you agree to accept the Agreement in that form. Please read the Agreement carefully because it is our legal agreement with you that governs your use of TAI/PBA Services.

You may use TAI/PBA Services to direct TAI/PBA to make withdrawals from your Account, or receive deposits into your Holding Account ("Funding Events"). You may also use TAI/PBA Services to make payments from your designated Holding Account to the "Billers" you choose in accordance with this Agreement ("Bill Payments" or "Payment Events"). Funding and Payment Events are collectively known herein as "Transactions". The terms and conditions of this Agreement are in addition to the account agreements, disclosures, fee schedule and other documents in effect from time to time governing your Account, Holding Account and Transactions.

Instructions: Instructions for how TAI/PBA is to process Funding and Payment Events must be provided to us on standardized forms ("Instructions"), either in print or digital format, and must include enough information to allow us to process your requests. Instructions may be supplied to TAI/PBA by you, your employer, or your insurance agent ("Agent"). These Instructions must include information that identifies you, your contact information, your Account, the amounts of Funding Events, the amounts of Payment Events, your billing account number, the Fees, the frequency of each event, your signature (in either written or electronic form), and any other information required by TAI/PBA. If the TAI/PBA Services are being offered to you through your employer, then you may be required to attest that you are an employee of the employer by initialing the "I attest..." statement on the Instructions, if available. If you are endorsing this Agreement by means of an electronic signature, then your digital signature shall serve as your attestation that you are employed by your employer at the time of your acceptance.

Electronic Signature Disclosure: Signature is being made available to you as a convenience. When you submit your signature electronically, TAI/PBA will require a closed-loop, multi-phase authorization process. The process requires that (a) the details of the transaction will be entered into TAI/PBA's (or its delegated) system, (b) an electronic request for authorization will be sent to you at a private location that is accessible only by you, and (c) you will respond to said request thereby completing the authorization process wherein your response shall constitute your consent to this electronic format. Pursuant to the Electronic Signatures in Global and National Commerce Act Section 101(b), you are NOT required to use this method and a paper form will be made available to you.

Account: In the event that you direct TAI/PBA to make withdrawals, you must designate an account from which the withdrawals are to be made. By using TAI/PBA Services, you agree that, based upon instructions received under your signature or electronic signature, which may be fulfilled by User ID (PIN) returned by your cell phone or e-mail, we can charge your designated account ("Account") by debiting funds on your behalf. In the event that you direct TAI/PBA to accept deposits, you must obtain a Holding Account number from TAI/PBA and provide instructions to the originator. Any failure by you to do so will not create an obligation or liability on TAI/PBA.

Holding Account: Because many Funding Events occur prior to Payment Events, TAI/PBA assigns an account number to you ("Holding Account"). Once funds are placed into the Holding Account, they are the property of the Biller(s) and are "at rest" before being passed to the Biller(s). This three-stage process of Funding Events, funds at-rest, and Payment Events is called the Pass-Thru process. Biller(s) may under certain circumstances, and at their sole discretion, allow TAI/PBA to refund these funds back to you. The term Holding Account as used herein means a unique key for tracking the ingress or egress of funds during the Pass-Thru process. A Holding Account is NOT an actual account of any kind and specifically is NOT a depository account, a demand deposit account, an interest-bearing account, nor an open-to-buy account.

Each Transaction will result in an increase or decrease in the balance of your Holding Account.

Recurring Funding Events: A recurring Funding Event is one that is automatically scheduled by the TAI/PBA Service or your deposit originator. Based upon your selected frequency settings, a processing date is calculated for the next occurrence of the Funding Event. If TAI/PBA is withdrawing funds from your Account, then TAI/PBA will initiate the Funding Event on the specified date. If TAI/PBA is withdrawing funds from your Account, please consider the following as you select your frequency settings:

    How you are paid:

• If you are paid by direct deposit, you should make the frequency on the day following your payday.
• If you are paid by cash or check, you should allow time for you to make your deposit into your Account. Generally, we recommend this as two days following your payday.

    How we make withdrawals:

• If by credit, debit, or prepaid card then you will be notified immediately by email if there is a problem. This should not create an overdraft on your Account since as each Funding Event is authorized.
• If by prepaid card, this must be your permanent card and not the starter card.
• If by e-check then there will be a delay as your bank has up to 5 Business Days to process our request, and you may not be notified if there is a problem.

Though initiated on schedule, your bank may not post to your account for up to 10 days - be sure to deduct the designated amount from your account on the scheduled date.

Available Funds for Funding Events: You agree to have available funds on deposit in your Account in amounts sufficient to complete the Funding Events initiated by TAI/PBA. TAI/PBA reserves the right, without liability, to suspend your Funding Events if you fail to comply with the above requirement or any other terms of this Agreement, and you acknowledge that if TAI/PBA suspends your Funding Events, then TAI/PBA's obligations to remit payments to your biller(s) is nullified and you are solely responsible for all future payments. You understand and acknowledge that if you fail to comply with this requirement that your bills will not be paid by TAI/PBA, and that punitive action may be taken by your billers, up to and including late fees, cancellation, or termination of coverage and/or service. TAI/PBA shall not be liable for any fees charged by your financial institution, whatsoever, including those caused as the result of a Funding Event.

Rerunning failed Funding Events: You agree that if a Funding Event fails TAI/PBA may, at its sole discretion, rerun the failed Funding Event at any time within thirty (30) days of the notice of failure. After thirty (30) days, TAI/PBA will not rerun a failed Funding Event unless instructed to do so directly by you, or indirectly by you through your Agent contacting TAI/PBA on your behalf. Authorization to rerun may be done via phone, email, fax, or letter by either you or your Agent. TAI/PBA shall not be liable for any fees charged by your financial institution, whatsoever, including those caused as the result of this Funding Event.

Modifying a Funding Event: You may modify your instructions to us at any time by contacting us, provided that you allow us ample time to make the modification. Your modification request may require you to submit the request in writing. For instance, if you change your banking information or increase your draft amount, you must submit these to us in writing. You acknowledge and agree to allow TAI/PBA to modify the Funding Event instructions and amounts in the following conditions:

(a) If the TAI/PBA Service Fee is omitted, TAI/PBA may add this to instructions and adjust the total.

(b) if a mathematical error was made in adding the individual amounts shown in the instructions such that the total amount shown is not equal to the sum of the individual items, TAI/PBA will correct math.

(c) If the amount billed by the Biller is different than the amount shown in the instructions and the difference between these amounts is less than five dollars ($5.00) per Funding Event.

(d) A Product you purchased has an increase based on your age, income, or other factors, and to which you agreed with the seller about said changes.

(e) A Product you purchased automatically cancels due to your age, another member's age, or other factors to which you agreed with the seller about said changes.

(f) the account number provided is not valid, illegible, or returned by your financial institution as an error, and you provide a revision by any means, whether by phone, mail, e-mail, or facsimile, then TAI/PBA will make the account number correction; however, if you change the account, supplying us with an alternate account, then you will be required to submit this change in writing to TAI/PBA.

These terms were last updated on April 6, 2023

If TAI/PBA makes a modification, then you will be notified by email. If you do not have an email address on file with TAI/PBA, or if your email address is not valid, then TAI/PBA will not make the modification. TAI/PBA will allow you ample time to receive this email and contact us if necessary to approve or decline the modification, however, if you do not respond, then TAI/PBA will process the Funding Event as if approved by you.

Cancelling a Funding Event: To cancel a Funding Event that you have scheduled through TAI/PBA, you must contact TAI/PBA with a cancellation request before the cut-off time (1:00 p.m. Eastern Time) two (2) days prior to the date the Funding Event is scheduled to be processed. To cancel a Funding Event that you scheduled through a deposit originator, you must contact the deposit originator. To cancel a Funding Event you may contact us by telephone at 800-578-2082 or by email at info@pbainsurance.net or in writing at the address shown at the bottom of this Agreement. You must allow TAI/PBA ample time to process your request. TAI/PBA may cancel Funding Events as outlined in the Section labeled, "Termination."

Stop Funding Events: Once a Funding Event has been initiated you will not be able to stop it. Once a Funding Event has debited from your Account, you cannot cancel or stop it. To stop a Funding Event you may contact us by telephone at 800-578-2082 or by email at info@pbainsurance.net or in writing at the address shown at the bottom of this Agreement. You must allow TAI/PBA ample time to process your request.

Biller: You must designate the complete name of the Biller, the Biller account number, and the Biller's remittance address, exactly as shown on the billing statement or invoice. We reserve the right to accept or reject any Biller designated by you. If we do so, we will notify you promptly. You hereby agree and authorize us to utilize the most effective means to process your Transactions, including, without limitation, electronic, paper, or other remittance means. You may only pay Billers pre-approved by TAI/PBA. For a complete list of approved Billers, email info@pbainsurance.net and request a list.

Bill Payments: In scheduling Payment Events, TAI/PBA does not use the payment due date. TAI/PBA will remit payments on a date between the payment due date and the payment grace period as allowed by the Biller ("Remittance Date"). Payments will be processed on the Business Day (generally Monday through Friday, except certain holidays) that is designated as the payment's processing date. Payments due on a non-business date (generally weekends and certain holidays) as the payment's processing date will be processed on the first Business Day following the designated processing date. TAI/PBA will calculate the estimated arrival date of your Payment Events. This is only an estimate. Please allow ample time for your Payment Events to reach your Billers.

Authorization and Event Processing: You represent and warrant that you are acting with full authority, and that you are duly authorized to execute this Agreement. By providing TAI/PBA with Instructions, you authorize TAI/PBA to follow the Instructions. Modification of the Credit/Debit card Expiration Date, whether given orally or in writing, shall be treated as an extension of this authorization.

When TAI/PBA receives a Payment Instruction, you authorize TAI/PBA to debit your Holding Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the due date.

TAI/PBA will use its best efforts to make all your payments properly. However, TAI/PBA shall incur no liability if TAI/PBA is unable to complete any Payment Event because (1) your Holding Account does not contain sufficient funds to complete the Transaction, (2) the Instructions do not allow TAI/PBA to clearly identify your account on the bill, (3) you are not on the bill or are not identifiable on the bill, (4) the payment processing center is not working properly and you know or have been advised by TAI/PBA about the malfunction, (5) you have not provided TAI/PBA with the correct Instructions, and/or, (6) circumstances beyond control of TAI/PBA (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the Transaction.

Available Funds for Bill Payments: You agree to have available and collected funds on deposit in your Holding Account in amounts sufficient to complete all Payment Events requested on the Remittance Date. TAI/PBA reserves the right, without liability, to reject or reverse a Payment Event if you fail to comply with the above requirements or any other terms of this Agreement. If you do not have sufficient funds in the Holding Account, you acknowledge that your Bill Payment will be limited to the balance in your Holding Account, and may be used to partially pay the bill up to, but not to exceed the balance in your Holding Account. If multiple payments are being made to a single Biller, and your Holding Account lacks sufficient funds to pay all payments in-full, then TAI/PBA will, at its sole discretion, determine the priority and amount of each payment, and TAI/PBA will not be liable for any adverse effect caused by its determination of the priority or amount remitted for each payment item. If multiple payments are being made to more than one Biller, and your Holding Account lacks sufficient funds to pay all payments in-full for all Billers, then TAI/PBA will, at its sole discretion, determine the priority and amount of each payment, and TAI/PBA will not be liable for any adverse effect caused by its determination of the priority or amount remitted for each payment item. Any partial payment shall not represent a satisfaction of the bill as-if paid-in-full and you are obligated to remit the unpaid portion to the Biller. The result of a partial payment may result in adverse effects on you from the Biller including, but not limited to, late fees and termination of coverage and/or service. TAI/PBA shall not be liable for any adverse effect that is created due to a partial payment.

Excess Funds Handling: If at any time your Holding Account has an excessive balance, above and beyond what is needed for your Payment Events, TAI/PBA may refund the excess to you. TAI/PBA will attempt to contact you and refund the excess back to the account from which it originated. If unable to return the funds to the originating account, TAI/PBA will make a reasonable effort to find and contact you to obtain your mailing address so that a refund check can be mailed to you.

Canceling a Payment Event: To cancel a Payment Event that you have scheduled through TAI/PBA, you must contact TAI/PBA with a cancellation request before the cut-off time (1:00 p.m. Eastern Time) two (2) days prior to the date the Payment Event is scheduled to be processed. To cancel a Payment Event you may contact us by telephone at 800-578-2082 or by email at info@pbainsurance.net or in writing at the address shown at the bottom of this Agreement. You must allow TAI/PBA ample time to process your request. Please note that TAI/PBA may be obligated to remit the payment depending upon whether the Biller presents your bill as a paid-in-advance or paid-in-arrears.

Stop Payment Events: Once a Bill Payment has been debited from your Holding Account, you cannot cancel or stop it. To stop a Payment Event you may contact us by telephone at 800-578-2082 or by email at info@pbainsurance.net or in writing at the address shown at the bottom of this Agreement. You must allow TAI/PBA ample time to process your request.

Termination: You may terminate this Agreement by written notice to TAI/PBA by email at info@pbainsurance.net or at the following address: 224 Winder Highway NW, Suite B, Winder, GA 30680. TAI/PBA is not responsible for any Transaction made before TAI/PBA has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by TAI/PBA on your behalf. Any Transaction that is in-progress will be completed, and then TAI/PBA will suspend all future Transactions. TAI/PBA reserves the right to terminate this Agreement at any time. TAI/PBA may, at its sole discretion, terminate this Agreement for any reason including, but not limited to:

(a) Excess Funding Failures, Disputes and Chargebacks,

(b) Skipped Funding Events whether requested by you, due to temporary leave from your employment, or any other reason causing a Funding Event to miss its regular schedule,

(c) Funding Events without corresponding Payment Events within any 90-day period,

(d) Problems that TAI/PBA cannot resolve on your behalf, or

(e) Any other reason without limitation.

In the event that TAI/PBA is terminating this Agreement without your knowledge, TAI/PBA will notify you via email or cell phone text message based on the contact information on TAI/PBA's records at the time of termination.

Fees: You agree to pay the fees and charges for your use of the TAI/PBA Service as set forth below. The Service Fees, Other Fees, and Termination Fees constitute the Fee Schedule.

Service Fee: The Fee charged is not a processing fee or surcharge, but is charged for use of the TAI/PBA Services which includes, but is not limited to all functions necessary to manage Funding Events, Holding Account, Payment Events, customer service, etc. The Fee is charged to the Holding Account at the time of each Funding Event in the amount indicated in your Instructions, and is based on the frequency of the Funding Event. TAI/PBA reserves the right to collect any uncharged or uncollected fees at any time without regard to the reason that said fees were not charged or collected.

Standard Service Fee when drafting: Unless indicated otherwise on the authorization form that you sign, this fee is charged for each Funding Event at a rate of $96.00 per year divided by the number of expected Funding Events in a year, but not less than $8.00 per month*. By way of example: If the Funding Event is bi-weekly, the Fee shall be $96.00 divided by 26 weeks resulting in a Fee of $3.69 per Funding Event.

Standard Service Fee when Direct Deposit: Unless indicated otherwise on the authorization form that you sign, this fee is charged for each Funding Event at a rate of $65.00 per year divided by the number of expected Funding Events in a year, but not less than $5.42 per month*. By way of example: If the Funding Event is bi-weekly, the Fee shall be $65.00 divided by 26 weeks resulting in a Fee of $2.50 per Funding Event.

Other Fees: TAI/PBA reserves the right to charge the Fees as described below. If you do not cancel your Funding Events and TAI/PBA receives any of the ACH Return Codes shown below, then TAI/PBA may charge the Other Fee as indicated. Furthermore, if TAI/PBA receives a chargeback request from your bank related to a debit, credit, or prepaid card, then the Other Fee will apply. The Other Fees will be debited from your Holding Account. TAI/PBA charges a processing fee of 3.5% per Funding Event when processing a credit or debit card.

ACH RETURN CODE		FEE
R01 * - Insufficient Funds		$25.00 (or the maximum amount allowed by state law)
R02 * - Account Closed		$25.00 (or the maximum amount allowed by state law)
R07 * - Authorization Revoked by Customer		$25.00 (or the maximum amount allowed by state law)
R08 * - Stopped		$25.00 (or the maximum amount allowed by state law)
R10 * - Unauthorized		$25.00 (or the maximum amount allowed by state law)
R16 * - Frozen Account		$25.00 (or the maximum amount allowed by state law)
R29 * - Unauthorized		$25.00 (or the maximum amount allowed by state law)
Rnn** * -		$25.00 (or the maximum amount allowed by state law)
Credit/Debit/Prepaid Chargeback *		$25.00 (or the maximum amount allowed by state law)

** Any other Return Code not specifically identified here which indicates an unsuccessful draft, where "nn" is an indicator of the reason for the failure.

* The Fee may be paid by means other than the Holding Account, and in amounts higher or lower than the amount shown herein, as a fixed amount or percentage of the Funding Event or both, but only if agreed to in writing by TAI/PBA and the Payer, and properly authorized.

Maintenance / Inactive Fees: TAI/PBA reserves the right to collect any uncharged or uncollected fees at any time without regard to the reason that said fees were not charged or collected. TAI/PBA also reserves the right to charge a Maintenance / Inactive Fee in the amount of $8.00 per month, or the maximum amount allowed by state law, for funds held in escrow on the client's behalf.

Termination Fees: TAI/PBA reserves the right to collect any uncharged or uncollected fees at any time without regard to the reason that said fees were not charged or collected. TAI/PBA also reserves the right to charge a Termination Fee equal to the greater of $25.00 or the maximum amount allowed by state law.

Closing Accounts: If you close your Account, you must contact us immediately to designate another Account. If you fail to designate an Account, we will suspend future Transactions and collect our Fees as defined in the Fee Schedule.

Postage Fees: TAI/PBA reserves the right to charge a fee of $25.00 to cover the cost of preparation and postage when sending a check to you.

Exclusions of Warranties: THE TAI/PBA SERVICES AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Liability: You are liable for all Transactions approved by you or by a person that you authorize to access the TAI/PBA Service, including a Biller, a representative of a Biller, or any person or entity presenting Transaction instructions on your behalf, even if that person exceeds his or her authority. You are responsible for any Transaction request you make that contains an error or is a duplicate of another Transaction. TAI/PBA is not responsible for any Transaction that is not made if you did not properly follow the instructions for making a Transaction. TAI/PBA is not liable for any failure to make a Transaction if you fail to promptly notify TAI/PBA after you learn that you have not received credit from a Biller for a Transaction. TAI/PBA is not responsible for your acts or omissions or those of any other person. TAI/PBA will not be liable in any way for damages incurred by you due to delays in mail delivery, changes in the Biller's address, or the failure of any Biller to account correctly for or credit such payments in a timely manner or for any other circumstances beyond the control of TAI/PBA. In the event you do not comply with the provisions of this Agreement, or you schedule a Transaction closer to its due date than the minimum number of Business Days needed to fund your Holding Account, we will have no liability and you will bear full responsibility for all penalties, late fees and all other costs.

Modifications to this Agreement: TAI/PBA has the right to change this Agreement at any time by notice mailed to you at the last address shown for you on TAI/PBA's records, by the last e-mail address shown for you on TAI/PBA's records, by text message to the last cell phone number shown for you on TAI/PBA's records, through TAI/PBA's website, or as otherwise permitted by law.

Continuation of Obligations: Certain of the obligations of the parties, which by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive, and termination, cancellation or expiration of this Agreement.

Continuing Effect: If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.

Waiver: No term or provision of this Agreement will be deemed to have been waived and no breach excused, unless such waiver or consent to breach shall be in writing and signed by the party claimed to have waived or consented. Any express or implied consent to any party to, or waiver of, a breach by the other shall not constitute a consent to, waiver of, or excuse for any other different or subsequent breach.

Assignment: You may not assign this Agreement.

Governing Law: This Agreement and all matters relating to your access to or use of the TAI/PBA Services, including all disputes, will be governed by the laws of the United States of America and by the laws of the State of Georgia. THE PARTIES IRREVOCABLY SUBMIT TO THE JURISDICTION OF THE COURTS OF THE STATE OF GEORGIA AND THE UNITED STATES OF AMERICA AND VENUE IN MUSCOGEE COUNTY GEORGIA AND AGREE THAT ANY LEGAL ACTION OR PROCEEDING WITH RESPECT TO THIS AGREEMENT MAY BE COMMENCED IN SUCH COURTS. THE PARTIES EACH IRREVOCALBY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY PROCEEDING RELATED TO THIS AGREEMENT.

Disputes and Remedies: In the event of a dispute regarding the TAI/PBA Service, you and TAI/PBA agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and TAI/PBA. This Agreement supersedes any prior agreement, oral or written, and any other communications between you and TAI/PBA relating to the subject matter of this Agreement. If there is a conflict between what is said by any person, entity, representative, or employee of TAI/PBA or a Biller and the terms of this Agreement, the terms of this Agreement will prevail. If TAI/PBA is deemed to have failed to meet its obligations related to this Agreement, you acknowledge that the sole financial remedy available to you is a refund of the funds collected by TAI/PBA on your behalf.

Complete Agreement: This Agreement constitutes the entire agreement between you and TAI/PBA with regard to your use of the TAI/PBA Services, and any and all other written or oral agreements or understandings previously existing between you and TAI/PBA with respect to such use are hereby superseded and cancelled.

Contact TAI/PBA: To contact TAI/PBA call (800) 578-2082, or send an email to this address: info@pbainsurance.net, or write to:

TAI/Professional Benefit Administrators
224 Winder Highway NW, Suite B
Winder, GA 30680

Your privacy is a high priority for TAI/PBA Payment Services, LLC. Our pledge to protect your privacy is reflected in our Privacy Policy. We value our relationship with you and are committed to protecting the confidentiality of private/nonpublic personal information (P/NPI). This policy explains why we collect P/NPI, what we do with P/NPI and how we protect your P/NPI.

We collect P/NPI about you to provide you with products and services. This may include your name, address, telephone number(s), e-mail address(s), financial account information, and information used to identify you. We may receive P/NPI from your applications and forms, billers, medical providers, insurers, employers, support organizations, and service providers.

We share the types of P/NPI described above primarily with people who perform business and professional services for you and/or us, such as helping us detect fraud, resolve processing disputes, or payment issues. We may share P/NPI with your billers, medical providers, insurers, agents, employers, insurance support organizations, and service providers as needed to perform our collection and remittance services for you. The organization may retain the P/NPI and disclose it to others for whom it performs services. In certain cases, we may share P/NPI with for reporting and auditing purposes. We may share P/NPI with parties for research and study purposes. We may share P/NPI when otherwise required or permitted by law, such as sharing with governmental or other legal authorities. When legally required, we will ask your permission before sharing P/NPI about you. We do not sell your P/NPI to catalog companies. The law allows us to share P/NPI as described above (except health information) with affiliates to market products and services. The law does not allow you to restrict these disclosures. We may also share with companies that help us market our products and services, such as vendors that provide mailing services to us. We may share with others to jointly market products and services. When required by law, we ask your permission before we share P/NPI for marketing purposes. When other companies help us conduct business, we expect them to follow applicable privacy laws. We do not authorize others to use or share P/NPI except when necessary to conduct the work they are performing for us or to meet regulatory or other governmental requirements. The P/NPI might not be directly related to our transaction or experience with you. Consistent with the Fair Credit Reporting Act, we ask your permission before sharing P/NPI that is not directly related to our transaction or experience with you.

We have physical, electronic and procedural safeguards that protect the confidentiality and security of P/NPI. Only employees who need to know the P/NPI to provide products or services to you will have access.

You may request access to certain P/NPI we collect to provide you with products and services. You must make your request in writing and send it to the mailing or e-mail address below. The letter should include your full name, address, e-mail address, and telephone number. Upon your request, we will send copies of the P/NPI to you. We may charge a reasonable fee to cover our copying costs. This section applies to P/NPI we collect to provide you product and services. It does not apply to P/NPI we collect in anticipation of a civil or criminal proceeding.

If you believe P/NPI we have about you is incorrect, please contact us. Your correspondence should include your full name, address, e-mail address, and telephone number. Your correspondence should also explain why you believe the P/NPI is inaccurate. If we agree with you, we will correct the P/NPI and notify you of the correction. If we disagree with you, or are unable to make the correction, we will inform you of this decision and its reason. If we are unwilling or unable to make the correction, you may submit a statement to us which should include the reason(s) why you disagree with our decision not to correct the P/NPI. We will file your statement with the disputed P/NPI and we will include your statement any time we disclose the disputed P/NPI.

For additional information about TAI/PBA's commitment to privacy, please visit www.pbainsurance.net, e-mail us at info@pbainsurance.net, or write to:

Privacy Officer
TAI/Professional Benefit Administrators
224 Winder Highway NW, Suite B
Winder, GA 30680

We reserve the right to modify this policy without notification to you; however, we will provide you with a new policy if we make material changes to our privacy practices.
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