Privacy Policy

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Privacy Policy

Last updated: March 13, 2026

Introduction

This privacy policy (“Privacy Policy”) describes the types of information Newfront Insurance Services (“Newfront” or “we”) may collect from you or that you may provide when you visit www.newfront.com and all pages within that domain (our "Website”) or other Newfront-managed webpages where this Privacy Policy is posted; information we receive from your employer, our client (“Client”) on your behalf as part of our provision of services to that Client; and information we collect from you or receive on your behalf from the Client in connection with our mobile application, Navigator™ platform, BenefitsU™ sites, Benji™, or other applications (collectively, the “Services”). This Privacy Policy details our practices for collecting, using, maintaining, protecting, and disclosing that information. For the purpose of this Privacy Policy, “Personal Information” means information that identifies or can identify you personally.

This Privacy Policy does not apply to the websites of our affiliates or to the practices of our clients or third parties, who maintain their own respective privacy policies.

Please read this Privacy Policy carefully to understand our practices regarding your Personal Information. By accessing or using the Services, you are giving Newfront your consent to collect, use, and disclose your information as described in this Privacy Policy. This Privacy Policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check the Privacy Policy periodically for updates.

On January 27, 2026, the transaction between WTW and Newfront formally closed. While the transaction itself is now complete, we are actively working to align and integrate the operational, technological, legal, compliance, privacy, security, and other aspects of the respective organizations.

We want to assure our clients that this integration is being carried out in a structured and deliberate manner designed to support continued growth and innovation across both legacy entities, while ensuring ongoing compliance with applicable laws, regulatory requirements, and existing contractual obligations. During the integration period, each entity continues to operate in accordance with its existing policies, controls, and governance frameworks, as appropriate. At this time, there has been no material change to how client data is accessed, processed, or protected as a result of the transaction.

We anticipate achieving substantial integration by the end of 2026, which is expected to include, to the extent permitted by applicable laws and contractual commitments, the sharing of employee and client information across the integrated organization consistent with industry standard security and data privacy practices.

For more information about WTW and its privacy and security commitments, please review the WTW Global Website Privacy Notice available here: https://www.wtwco.com/en-us/notices/global-website-privacy-notice.

This statement includes forward-looking information regarding integration activities and anticipated outcomes. Such statements are based on current expectations and assumptions and are subject to risks and uncertainties that could cause actual outcomes to differ materially. No assurance can be given as to the timing, scope, or results of integration activities, and no obligation is undertaken to update this statement except as required by applicable law or contractual obligation.

How Do We Collect Your Personal Information?

We collect information from you and about users of our Website in the following ways:

  1. Directly from you when you voluntarily provide it to us using this Website.
  2. Through automated means as you navigate through the Website.

Information Voluntarily Provided Directly by You:

In the course of using this Website, you may choose to provide us with information to help us meet your needs. For example, you may enter your information on our “Contact” page with your name, e-mail address, telephone number, street address, and/or any other information you voluntarily enter in order to request information. In the alternative, you may also complete a registration for an event and provide us with your contact information, employment details and title, as well as communication preferences.

Information Collected Through Automated Means:

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including details of your visits to our Website, including the resources that you access and use on the Website as well as other communication data.

The data collection technologies we use include cookies and web beacons. Cookies are small pieces of text that a website places on your computer to help remember information about your visit. Web beacons are tiny graphics with a unique identifier that are embedded invisibly on the web pages.

We use information collected from cookies and web beacons to improve your experience and the overall quality of our services. We may also use cookies and web beacons to collect information from third parties (such as online search engines) to help advertise our products and services, to analyze the effectiveness of our marketing or the performance of this Website, and to determine whether you may be interested in other products or services.

Neither cookies nor web beacons can read data off your computer's hard drive or collect your personal information. You can refuse to accept and delete cookies by adjusting your browser settings. You can also opt-out of our use of certain cookies by adjusting your . To learn more, please refer to our Cookies notice.

How Do We Use the Personal Information We Collect?

We use the Personal Information we collect for one or more of the following business purposes:

Newfront is a technology and data-driven company, and we use data to develop innovative products and deliver cutting-edge services. Newfront takes steps designed to ensure that your data is protected through the use of aggregated or otherwise de-identified data. Newfront will retain Personal Information in accordance with our data retention policies, legal, and regulatory obligations.

Personal Information We Collect

The categories of Personal Information we collect, the business purposes (from the list above) for which the information may be used and the categories of third parties to whom we have disclosed information to include:

Category Examples Business Purpose(s) Categories of Third-Party Recipients
Identifiers A real name, alias, postal address, unique personal identifier, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 Client companies
Insurance and financial services providers
Marketing service providers
Platform- or Infrastructure-as-a-Service and other Providers
Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some Personal Information included in this category may overlap with other categories. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 Client companies
Insurance and financial services providers
Marketing service providers
Platform- or Infrastructure-as-a-Service and other Providers
Protected classification characteristics under California or federal law Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). 1, 2, 9 Client companies
Insurance and financial services providers
Platform- or Infrastructure-as-a-Service and other Providers
Commercial information Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. 1, 2, 3, 4, 5, 6 Client companies
Insurance and financial services providers
Marketing service providers
Platform- or Infrastructure-as-a-Service and other Providers
Biometric information Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. Not collected None
Internet or other similar network activity Browsing history, search history, online identifier, Internet Protocol address, information on a consumer's interaction with a website, application, or advertisement. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 Client companies
Insurance and financial services providers
Marketing service providers
Platform- or Infrastructure-as-a-Service and other Providers
Geolocation data Physical location or movements. Not collected None
Sensory data Audio, electronic, visual, thermal, olfactory, or similar information. Not collected None
Professional or employment-related information Current or past job history or performance evaluations. 1, 2 Client companies
Insurance and financial services providers
Platform- or Infrastructure-as-a-Service and other Providers
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. Examples: Education level, school attended. Not collected None
Inferences drawn from other Personal Information Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. 1, 2, 3 Client companies
Insurance and financial services providers
Marketing service providers
Platform- or Infrastructure-as-a-Service and other Providers

With Whom Do We Share Your Personal Information?

We will not disclose, share, sell, or otherwise use your Personal Information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this Privacy Notice. We may share your Personal Information with:

Client Companies: We may share the Personal Information of our Clients’ employees or information derived from that Personal Information with the Clients as part of the Services provided to the Client. This information includes employee utilization and other measurements of adoption or performance of the Services.

Insurance and Financial Services Entities: In order to deliver some of our Services, we are required to receive and transmit certain Personal Information to Insurance and financial services entities, such as to obtain quotes for employee benefits programs.

Marketing Service Providers: We may use marketing agencies for ad network purposes or for communication and client engagement. For example, Personal Information input into an event registration form on our Website may be shared with our marketing service providers.

Platform- or Infrastructure-as-a-Service and other Service Providers: We sometimes contract with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Website, providing the infrastructure that powers our platforms and applications, sending e-mail messages, providing back-office support, and handling phone calls. They may have access to Personal Information (as set forth above) needed to perform their functions, but are bound by contractual confidentiality obligations and are restricted from using Personal Information for any reason other than those defined in our contract.

Business Transfers: To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us is among the assets transferred.

Legal Matters: We may preserve, and have the right to disclose any information about you or your use of this Website, without your prior permission if we have a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of Newfront or its affiliates, other users of this Website, or the public; (b) enforce the terms and conditions that apply to use of this Website; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; (e) respond to an audit or investigate a complaint or security threat; or (f) comply with applicable law, regulation, legal process, or governmental requests.

What Do We Do to Protect Your Personal Information?

Newfront has taken reasonable steps to implement physical, administrative, and technical safeguards designed to protect your Personal Information from unauthorized access, use, or disclosure. For more information about Newfront’s security controls, access our Trust Center.

Third Party Sites

The Services may include links to other sites operated by third party organizations. If you access another organization’s site using a link provided, the other organization may collect information from you. Once you have left this Website or any Newfront application through a third party link, you should refer to those sites' policies and terms of use. Newfront is not responsible for the content or privacy practices of linked sites.

Personal Information of Minors

This Website and Newfront’s applications are not intended for use by children, and we do not knowingly collect, use, or disclose information of children under the age of sixteen (16) without the consent of their parents or legal guardians. For employees of our Clients who enroll dependents in insurance, Newfront will collect Personal Information that you provide about your dependents solely for the purpose of obtaining benefits.

Cookies Notice

Updated: July 7, 2025

We use different types of cookies to optimize your experience on our Website. Cookies are pieces of information shared between your web browser and a website. Some cookies are necessary for making the website work. Some help us assess and improve its performance. We also use cookies to help provide relevant content, products and services to you. A cookie cannot read data from your computer's hard drive.

Different Kinds of Cookies We May Use:

Different Purposes of Cookies:

Depending on the page, we may use cookies for the following purposes:

How to Control Cookies and Other Tracking Technologies

Changes to Our Cookies Notice

We reserve the right to amend this cookies policy at our discretion and at any time. When we make changes to this policy, we will update this notice's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Changes to Our Privacy Notice

We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make changes to this Privacy Policy, we will post the updated notice on the Website and update the notice's effective date. Your continued use of the Services following the posting of changes constitutes your acceptance of such changes.

Applicability of This Privacy Policy to International Users

This Privacy Policy is crafted and provided in accordance with and subject to U.S. law. If you access the Services from a location outside of the United States, you agree that your use of the Services is subject to the terms of this Privacy Policy. You also agree and accept that your Personal Information will be transferred to and processed in the U.S. in accordance with U.S. law, and not the specific laws of the country where you reside.

Privacy Policy for California Residents

This Privacy Policy for California Residents supplements the information contained in our Privacy Policy and applies to all visitors, users, and others who reside in the State of California ("consumers" or "you").

In particular, our Website has collected the following categories of Personal Information from consumers within the last twelve (12) months:

Categories of information collected from you:

For details about the categories of your Personal Information we collect, the business purposes for such collection, and the categories of third parties who may access that information, click here.

What Are Sources of Personal Information?

We may receive Personal Information from you from you, your employer (our Client), or from the following sources:

How Do We Use the Personal Information We Collect and With Whom Do We Share It?

Click here for an explanation of how we use Personal Information.

Click here for an explanation of who may have access to your Personal Information.

Your Rights as a California Resident

Under California law, some California residents have specific rights regarding their Personal Information, described below. When required and for any information provided directly to us by you, we will respond to most requests within 45 days, unless it is reasonably necessary for us to extend our response time. However, for any Personal Information provided to us by our Client on your behalf, or at the Client’s direction on your behalf, you will need to direct your request to your employer.

Right to Know and Data Portability

You have the right to request that We disclose to you any of the information below, provided that you submit a valid and verifiable request:

Right to Delete Personal Information

You have the right to request that we delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. If you submit a valid and verifiable request and we can confirm your identity and/or authority to make the request, we will determine if retaining the information is necessary for us or our service providers to:

If none of the above retention conditions apply, we will delete your Personal Information from our records to the extent we are able in accordance with our legal and regulatory compliance obligations and direct any applicable service providers to do the same.

Right to Correct

If you believe any Personal Information collected by this Website is inaccurate, you have the right to submit a verifiable request that the Company correct the information.

Right to Limit Use

As a California resident, you also have the right to restrict sensitive Personal Information use and disclosure for the same. We do not collect “protected classification characteristics” of Personal Information as defined under California law using this Website.

How to Exercise These Rights

To exercise your rights described above, please submit a verifiable consumer request to us as follows:

A “verifiable consumer request” means a request that provides sufficient information to enable us to reasonably verify you and fulfill your request. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Examples of information necessary include:

Only you or a person legally authorized to act on your behalf may make a verifiable consumer request related to your Personal Information. You may make a verifiable consumer request for access or deletion no more than twice within a 12-month period. You will not be required to create an account with us in order to submit a verifiable request, though we may communicate with you about your request via a pre-established account if applicable.

Do Not Sell My Personal Information

Although we do not sell your Personal Information, you have the right to opt-out of sharing Personal Information for cross-context behavioral advertising purposes, also known as “targeted advertising.” Personal Information related to targeted advertising is generally collected through the use of third party cookies. To opt-out of sharing your personal information for cross-context behavioral advertising purposes, you can adjust your Website preferences. For more information about cookies, see our Cookies notice.

Non-Discrimination

We will not discriminate against you for exercising any of your rights under California law. Unless permitted by law, we will not:

Notice at Collection

By completing a “Schedule a Consultation” request form, you acknowledge that Newfront is collecting your Personal Information to support its business operations, including to contact you at your request. We will not share or sell this contact information and will retain such information in accordance with our data retention policies and regulatory obligations.

Privacy Policy for EU Citizens

This Privacy Policy for European Union citizens supplements the information contained in our Privacy Policy and applies solely to all visitors, users, and others who are citizens of the EU, regardless of physical location ("consumers" or "you").

How Do We Use the Personal Information We Collect and With Whom Do We Share It?

Click here for an explanation of how we use Personal Information.

Click here for an explanation of who may have access to your Personal Information.

In addition to the partners listed above, we may transfer certain Personal Information across geographical borders to Newfront partners through the Worldwide Broker Network (WBN), authorized service providers or business partners in other countries working on our behalf in accordance with applicable law. Our affiliates and third parties may be based locally, or they may be overseas some of which have not been determined by the European Commission to have an adequate level of data protection.

When we do, we use a variety of legal mechanisms to help ensure your rights and protections travel with your data:

If you would like further information about whether your information will be disclosed to overseas recipients, please contact us as noted below. You also have a right to contact us for more information about the safeguards we have put in place (including a copy of relevant contractual commitments, which may be redacted for reasons of commercial confidentiality) to ensure the adequate protection of your Personal Information when this is transferred as mentioned above.

Your Rights Under GDPR

Subject to certain exemptions, and in some cases dependent upon the processing activity we are undertaking, you have certain rights in relation to your Personal Information.

We may ask you for additional information to confirm your identity and for security purposes, before disclosing the Personal Information requested to you. We reserve the right to charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive.

You can exercise your rights by contacting us. Subject to legal and other permissible considerations, we will make every reasonable effort to honor your request promptly or inform you if we require further information in order to fulfill your request.

We may not always be able to fully address your request, for example if it would impact the duty of confidentiality we owe to others, or if we are legally entitled to deal with the request in a different way.

Privacy Notice to Candidates Applying to Newfront

Updated July 9, 2025

Notice to Candidates

If you’re interested in applying to Newfront, please read this notice (“Candidate Notice”). Newfront is obligated under certain data privacy laws, including California Civil Code Sec. 1798.100 et seq. and Sec. 1798.145(m)(3) (CCPA), to provide candidates for employment (“Candidates,” “you,” “yours,” or “your”) with notice about how we collect and use your personal information, as well as how you can access and correct certain information that we may collect. This Notice applies to information obtained by Newfront or disclosed to Newfront in connection with the online application process, correspondence with Newfront or its agents, and through other personal communications with Newfront or its agents, including but not limited to interviews. This Notice does not constitute or form part of an offer of employment or a contract for employment with Newfront.

Categories of Personal Information We Collect

Newfront may collect the personal information categories detailed below, as permitted under applicable law and in connection with your candidacy. To the extent you decide to withhold certain personal information, note that insufficient personal information may hinder Newfront’s ability to thoroughly evaluate and consider your candidacy.

Category Examples
Identifiers Including your first name, middle name, and surname, former names, and aliases.
Contact Information Including mailing address, phone number, and email address.
Job Application Data Including resume, cover letter, references, prior employment history, prior employer obligations, educational background, job skills, and other job-related information.
Professional Qualifications Including professional licensures, credentials, certifications, qualifications, and other licensure-related information.
Biographical Information Including date of birth, nationality, right to work in certain countries including the US, immigration status, ethnicity, gender identity, and veteran status, including where you make such information available on social networking profiles such as LinkedIn.
Employment History Including positions held, companies, salary, role, job description, and location.
Background Check Information Including criminal background and credit information, where permissible by law.
Sensory data Audio, electronic, visual, thermal, olfactory, or similar information.
Information to Understand and Assess Disability Status and Health Condition Including vaccination status, disability status, health status, disease state, and relevant medical information related to health condition.
Other Information Including other personal information collected during the recruiting process,

Sources of Personal Information

We collect personal information from you during the application process, along with other sources available to us. This may include the following sources of information: (i) pre-employment screening and recruiting services, such as recruiters or placement agencies; (ii) prior employers that provide employment verification or history; (iii) references that you authorize us to contact on your behalf; (iv) third-party job posting and recruiting websites; (v) your university or other educational institution; (vi) publicly available online information about you such as on social media or the internet; (vii) your online activity on this Website; and (viii) Newfront or Newfront’s agents with whom you may communicate during the recruiting process.

Purpose of Our Data Collection

As permissible under applicable laws, we may collect data on Candidates for the following business purposes

Disclosure of Your Personal Information

As permissible under applicable laws, we may share your personal information with the following:

De-identified Data; Exclusions

We may also aggregate, anonymize, or otherwise de-identify your data to use and disclose for our business operations. Where we use, disclose or process de-identified data we will maintain and use the data in de-identified form and shall not attempt to re-identify the data, except as permitted by applicable privacy laws. Notwithstanding anything to the contrary, we may collect, use, retain and disclose your personal information as required or permitted by applicable law and this may override your privacy rights. In addition, we need not honor any of your requests to the extent that doing so would infringe upon our or any other person or party’s rights or conflict with applicable law.

How We Share Your Personal Information

In the last twelve (12) months, we have shared information in the following categories: Identifiers, Contact Information, Job Application Data, Professional Qualifications, Biographical Information, Employment History, Background Check Information, Information to Assess Disability and Status of Health Condition and Other Information with company subsidiaries and affiliates, service providers, and government agencies.

Candidate Privacy Rights

You have the right to exercise these rights via an authorized agent who meets the agency requirements of under applicable law, and any request you submit to us is subject to an identification and residency verification process. Provided that we are able to verify your qualification under applicable law, a description of your rights afforded to you is available here.

Privacy of Minors

Newfront’s recruitment and application processes, as well as this website, is not intended for those under the age of eighteen (18) years old.

Changes to Our Privacy Notice to Candidates Applying to Newfront

We reserve the right to amend this Candidate Notice at our discretion and at any time. When we make changes to this Candidate Notice, we will post the updated notice on the Website and update the notice's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact Us

To exercise your rights described above, please contact us:

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