Terms and Policies

Your privacy is our concern 

This privacy statement describes how Direct Benefits collects and uses the personal information you provide on our Web site: www.magnumdental.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

Certain laws regulate the collection, use, and disclosure of a consumer or customer's nonpublic information. Direct Benefits does not sell or otherwise disclose any nonpublic personal information about its customers or former customers to anyone outside the Company, except as permitted by law. You don't need to take any action to prevent disclosure; this notice is solely for your information.

It is the policy of Direct Benefits to: collect only information necessary or relevant to our business; make a reasonable effort to ensure that information we act upon is accurate, relevant, timely and complete; use only legitimate means to collect information; make personal information available externally only to respond to legitimate business needs, to regulatory or other government authorities or as otherwise permitted by law; and limit employees' access to nonpublic personal information to those who need it in order to perform their jobs and who are trained in the proper handling of personal information.

Collection and Use of Personal Information

We get most of our information directly from you.

The application you complete, as well as any additional information you provide, generally gives us most of the personal and payment information we need. Sometimes we may contact you by phone or mail to obtain additional information. Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage from outside sources, such as medical records, credit reports, court records or other public records. We also might obtain information from third parties that you disclose on your application, such as other insurance companies or financial institutions.

We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties.

Information that has been collected about you may be contained in our policy records and/or in your agent's files. We review it in evaluating your request for insurance coverage and in determining your rates. We will also refer to and use information in our policy records for purposes related to issuing and servicing insurance policies and settling claims. Your agent may use information about you in his/her files for insurance marketing purposes or to help you with your overall insurance program.

We will not disclose information about you to others without your written consent unless the disclosure is necessary to conduct our business. By law such as to comply with a subpoena, we are also permitted to share information about you without prior permission under certain circumstances to certain persons and organizations such as: our affiliated insurance companies; your agent or broker; parties who perform a business, professional or insurance function for our company, including reinsurance companies and administrators; businesses that conduct actuarial or underwriting studies; other insurance companies, agents or consumer reporting agencies as reasonably necessary in connection with any application, policy, or claim involving you; insurance support organizations which are established to collect information for the purpose of detecting and preventing insurance crimes or fraudulent claims; and insurance regulatory or law-enforcement agencies in connection with the regulation of our business.

Should you cease to be one of our policyholders or after your claim is settled, it is our policy to archive your information for a period of 10 years. At any time, you have the right to remove yourself from our databases by contacting us in writing.

Customer Testimonials/Comments/Reviews

We post customer testimonials/comments/reviews on our web site which may contain personally identifiable information. We do obtain the customer's consent via email prior to posting the testimonial to post their name along with their testimonial. To request removal of your personal information from Testimonials or comments please contact us at Direct Benefits, Inc. 55 East 5th Street, Suite 500, Saint Paul, Minnesota 55101.


Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.


We use a chat feature to assist you with questions concerning dental insurance plans If our chat feature is offline we will collect your name and email address so that we may reply to your request the next business day.

Links to Other Web Sites

Our Site includes links to other Web sites whose privacy practices may differ from those of Direct Benefits. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Cookies and Other Tracking Technologies


We may use cookies, for example, to keep track of your preferences and profile information. Cookies are also used to collect general usage and volume statistical information that does not include personal information.

Third Party Cookies

The use of cookies by our partners, affiliates, tracking utility company, service providers is not covered by our privacy statement. We do not have access or control over these cookies. Our partners, affiliates, tracking utility company, service providers use session ID cookies [to make it easier for you to navigate our site, in order for you to use the shopping cart, etc.]


Our Web site includes Social Media Features, such as the Facebook Like button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

How do we protect the confidentiality of information about you?

We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. We maintain safeguards in order to guard your nonpublic personal information. Confidentiality agreements are obtained from third-party vendors where services they perform for us in connection with our normal business operation may give them access to nonpublic information. Finally, Direct Benefits and IHC educates its employees regarding privacy so that they know about its importance.

When you enter sensitive information such as a credit card number or checking account number on our enrollment forms, we encrypt the transmission of that information using secure socket layer technology SSL.

How can you find out about information we have about you?

You have the right to know what kind of information we keep in our files about you, to have reasonable access to it and receive a copy. Write to us if you have questions about information that you would like to receive. When you write us, please provide your complete name, address, type of policy and policy number that was issued or applied for with us and identify the information you seek.

Please note that you cannot update or delete previously submitted information. If your information (such as your email address) should change, we ask that you re-submit a registration form or click to email us at Direct Benefits.

You may write to us at: Direct Benefits, Inc. 55 East 5th Street Suite 500 Saint Paul, Minnesota 55101

Notification of Privacy Policy Changes

We may update this privacy policy to reflect changes to our information practices. If we make any change in how we use your personal information we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.