Privacy Policy

1. Introduction

TMH Group (“we,” “us,” or “our”) operates the TMH Group Platform Access Portal. TMH Group is a compliance-first access and routing platform for insurance coordination. We are not an insurance provider. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

2. Information We Collect

We collect information that you voluntarily provide when using our platform:

• Contact Information: Name, email address, phone number, and agency name (for brokers).
• Business Information: Company name, eligible employee range, payroll deduction preferences, and National Producer Number (NPN) for brokers.
• Agreement Data: Tier selections and electronic signatures for MIG (Millennial Insurance Group) agreements.
• Usage Data: Browser type, IP address, pages visited, and timestamps collected automatically through server logs.

Important: TMH Group does not collect banking information, EINs, census data, or exact employee headcounts. ACH and payment processing is handled exclusively by UB TPA, a separate entity.

3. How We Use Your Information

We use the information we collect to:

• Facilitate broker and employer onboarding processes.
• Route your information to the appropriate entities (MIG, UB Insurance Agency, UB TPA) as part of the coordination workflow.
• Communicate with you about your account status and platform updates.
• Maintain compliance records and audit logs.
• Improve and maintain our platform.

4. Information Sharing

We share your information only with the entities necessary to provide our services:

• Millennial Insurance Group (MIG): Receives tier selection and agreement data for platform advisor revenue management.
• UB Insurance Agency: Licensed producer that handles insurance education and enrollment.
• UB TPA: Handles all ACH, payment, and premium remittance. Banking information submitted through ACH forms is collected and stored exclusively by UB TPA.

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encrypted data transmission (TLS/SSL).
• Row-level security policies on our database to ensure users can only access their own data.
• Secure authentication for administrative access.
• Regular security reviews and monitoring.

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

6. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your personal information, subject to legal retention requirements.
• Opt out of non-essential communications.

To exercise any of these rights, please contact us using the information provided below.

7. Cookies & Analytics

Our platform uses minimal cookies necessary for functionality, such as session management and authentication. We do not use third-party tracking cookies for advertising purposes.

In accordance with our compliance requirements, analytics are disabled on ACH-related pages to protect sensitive financial workflows.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a revised effective date. Your continued use of the platform after changes are posted constitutes acceptance of the updated policy.

9. Contact Information

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: