Terms Of Service
Last updated: November 10, 2026
1. Who We Are
These terms cover the websites, text messaging and services of HQA, Inc., a Washington corporation doing business as Engage & Retain ("HQA," "we," "us"). Our services include Text2Enroll, which helps employees enroll in workplace benefits by text message. By using our services, you agree to these terms.
2. Who Our Services Are For
We provide our services to employers, benefits brokers and insurance agencies ("Clients"). Employees and other people reach our services because a Client chose us. Your Client's own agreement with us also applies to them; if it conflicts with these terms, that agreement controls.
3. Text Messaging Program
- Program: Benefits enrollment and benefits questions for your employer, sent on its behalf by HQA, Inc.
- How you join: You opt in by texting a keyword (such as ENROLL) to the number your employer gives you, or by replying YES when we first text you. Your employer may give us your mobile number so we can send that first message.
- How often: Message frequency varies. Most messages come during your enrollment window, plus replies when you ask a question.
- Cost: Message and data rates may apply. We never charge you for messages.
- Stop: Reply STOP at any time to stop all messages. We'll send one message confirming you've stopped. Reply START to rejoin.
- Help: Reply HELP, or email info@engageandretain.io.
- Carriers: Carriers aren't liable for delayed or undelivered messages.
- Security: Standard text messages aren't encrypted by phone carriers, so we never ask for your Social Security number, bank details or health history by text. If you'd rather not enroll by text, call your HR contact and they'll help you another way.
- Consent to texts is not a condition of employment or of getting benefits. You can always enroll another way through your employer's HR.
4. Automated Assistant
Text2Enroll answers with an automated assistant that uses artificial intelligence, working from your employer's plan documents. It can make mistakes. Your elections only count once you confirm them, and the official plan documents and your HR department always control. Ask for a person at any time and we'll hand you to one.
5. Your Responsibilities
Give accurate information, and don't use our services for anyone but yourself. Never send Social Security numbers, bank or card numbers, or passwords by text; we will never ask for them.
6. Our Content
Our websites, software, wording and logos belong to HQA, Inc. or its licensors. You may use them only to use our services.
7. No Warranty
Our services are provided "as is." We don't promise they will be uninterrupted or error-free. We are not an insurance company. Coverage, eligibility and benefits are decided by your employer's plans and their carriers.
8. Limits On Our Liability
As far as the law allows, HQA, Inc. isn't liable for indirect, incidental or consequential damages. Our total liability to you won't exceed $100.
9. Disputes
These terms follow Washington law. Any dispute will be settled by binding individual arbitration under the American Arbitration Association's consumer rules, held remotely or in King County, Washington. You may instead bring a claim in small claims court. You and we each give up the right to a jury trial and to class actions. You may opt out of arbitration within 30 days of first using our services by emailing info@engageandretain.io.
10. Changes
We may update these terms. We'll post the new date at the top, and for big changes we'll give notice on our site or by text.
11. Contact
HQA, Inc. · info@engageandretain.io · engageandretain.io
Privacy Policy
Last updated: November 10, 2026
1. Who We Are
HQA, Inc. (Engage & Retain) runs benefits enrollment and benefits communication for employers, brokers and agencies (our "Clients"). For employee information, we act as a service provider: we handle it on the Client's behalf and under its instructions.
2. What We Collect
- From your employer or broker: name, mobile number, work email, employee ID, job details needed for eligibility (such as hire date and location), and your current benefit choices.
- From you: your text messages, the benefit choices you make, and your questions.
- Automatically: delivery records for messages, basic website logs, and recordings of how you use our websites (see section 6).
- What we don't collect: we don't ask for Social Security numbers, bank or card numbers, or passwords, and we avoid collecting birth dates and health conditions.
3. How We Use It
Only to run the service: to confirm you're eligible, guide your enrollment, answer your questions, send your elections to your employer, broker and carriers, report enrollment progress to your employer, keep the service secure, and meet our legal duties.
4. Who We Share It With
- Your employer, and the broker or agency serving it, which hired us.
- Insurance carriers and benefits administrators that need your elections to put your coverage in place.
- Service providers that run our systems for us: cloud hosting (Amazon Web Services, US), messaging (HighLevel and its carriers), and AI processing (Anthropic). They may use the data only to provide their service.
- The law: when legally required, or to protect someone's safety.
We do not sell your information, and we don't share it for advertising. Mobile numbers and text opt-in consent are never shared with third parties or affiliates for marketing or promotional purposes.
5. Artificial Intelligence
Your messages are processed by an AI model to answer you. Our AI provider doesn't use your data to train its models. A person can review conversations to fix problems and improve answers.
6. Website Visit Recording
Our websites record how each visit is used: the pages you view, where you click and scroll, and what you type into our forms, so we can replay visits to fix problems and improve the site. Password fields are never recorded. When you give us your name on a form or sign in, we link the visit to you. Recordings are stored encrypted in our own Amazon Web Services account in the United States. Only our company leadership can view them; personal details stay hidden until a viewer chooses to show them, and that choice is logged. We never sell recordings or use them for advertising. To see or delete what we recorded about you, email us.
7. Health Information
When we work for an employer's group health plan, any protected health information is handled under the HIPAA rules and our agreement with that plan. We design our service to collect as little health information as possible.
8. How Long We Keep It
We keep information for as long as our Client's contract requires, and then as long as the law requires for benefits and insurance records, up to 10 years. After that, we delete it or remove anything that identifies you. Your employer can ask us to delete its data sooner where the law allows.
9. Security
Our systems and support are in the United States. Data is encrypted at rest, and in transit everywhere except standard text messages, which phone carriers don't encrypt. Access is limited to staff who need it and requires strong sign-in, and our notifications contain no personal details. Reports carry counts only; names stay behind a secure sign-in.
10. Your Choices And Rights
- Reply STOP to end texts.
- To see, fix or delete your information, contact your employer's HR or email us; we'll work with your employer to respond.
- California residents have the right to know, correct and delete their personal information, and the right not to be discriminated against for using those rights. We don't sell or share personal information as California law defines those terms. Other states give similar rights, and we honor them the same way.
11. Children
Our services are not for children under 13, and we don't knowingly collect their information. Dependents' details come from the employee who adds them, only for coverage.
12. Changes
We'll post any update here with a new date, and give notice for big changes.
13. Contact
HQA, Inc. · info@engageandretain.io · engageandretain.io