# Speak Benefits - Full Content > Speak Benefits is a health-focused fintech company that provides a universal digital wallet and benefits card so health plan members can access OTC, food, dental, vision, hearing, transportation, and other supplemental benefits in one place. Founded in 2017 and now part of the Morse family of companies, Speak's mission is to become the "Currency of Care." --- ## Designing a benefits wallet members actually open URL: https://speakbenefits.com/insights/designing-a-benefits-wallet-members-actually-open/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## State reporting formats and what they require URL: https://speakbenefits.com/insights/state-reporting-formats-and-what-they-require/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Speak announces expanded retail acceptance URL: https://speakbenefits.com/insights/speak-announces-expanded-retail-acceptance/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## What plan sponsors ask before a mid-year launch URL: https://speakbenefits.com/insights/what-plan-sponsors-ask-before-a-mid-year-launch/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Notes from our summer product review URL: https://speakbenefits.com/insights/notes-from-our-summer-product-review/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Card design decisions that shape first use URL: https://speakbenefits.com/insights/card-design-decisions-that-shape-first-use/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Reading-level rules for member communications URL: https://speakbenefits.com/insights/reading-level-rules-for-member-communications/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Building an approved product list that holds up at the till URL: https://speakbenefits.com/insights/building-an-approved-product-list-that-holds-up-at-the-till/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Speak completes annual security assessment URL: https://speakbenefits.com/insights/speak-completes-annual-security-assessment/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Onboarding flows for dual-eligible populations URL: https://speakbenefits.com/insights/onboarding-flows-for-dual-eligible-populations/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Accessibility standards for benefit disclosures URL: https://speakbenefits.com/insights/accessibility-standards-for-benefit-disclosures/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Measuring redemption without waiting for claims URL: https://speakbenefits.com/insights/measuring-redemption-without-waiting-for-claims/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## A managed care plan consolidates five vendors URL: https://speakbenefits.com/insights/a-managed-care-plan-consolidates-five-vendors/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Language access expectations in managed care URL: https://speakbenefits.com/insights/language-access-expectations-in-managed-care/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Speak appoints new clinical advisory lead URL: https://speakbenefits.com/insights/speak-appoints-new-clinical-advisory-lead/ Placeholder copy for layout review. Replace before launch. This post exists only so the Insights templates can be built and checked against real queries. It carries no researched or reviewed content and should be deleted once real editorial lands. --- ## Insights URL: https://speakbenefits.com/insights/ AllCase studiesCompany newsPress releasesProgram designRegulatoryResearchResource library InsightsResearch, program design, and regulatory notes ResearchAugust 26, 2026 · 7 min read # Designing a benefits wallet members actually open Placeholder excerpt for layout review — replace before launch. MO Matt OsbornSpeak ## Latest Browse by topic in the bar above RegulatoryAug 24, 2026 ### State reporting formats and what they require Placeholder excerpt for layout review — replace before launch. Press releasesAug 20, 2026 ### Speak announces expanded retail acceptance Placeholder excerpt for layout review — replace before launch. ResearchAug 19, 2026 ### What plan sponsors ask before a mid-year launch Placeholder excerpt for layout review — replace before launch. Company newsAug 15, 2026 ### Notes from our summer product review Placeholder excerpt for layout review — replace before launch. Program designAug 12, 2026 ### Card design decisions that shape first use Placeholder excerpt for layout review — replace before launch. RegulatoryAug 10, 2026 ### Reading-level rules for member communications Placeholder excerpt for layout review — replace before launch. More articles Regulatory watch ## Rule changes, read for benefits teams. Short notes on CMS guidance, state waivers, and marketplace rules — what changed and what it means for program design. All regulatory notes Aug 24State reporting formats and what they requirePlaceholder excerpt for layout review — replace before launch.Aug 10Reading-level rules for member communicationsPlaceholder excerpt for layout review — replace before launch.Jul 27Accessibility standards for benefit disclosuresPlaceholder excerpt for layout review — replace before launch.Jul 13Language access expectations in managed carePlaceholder excerpt for layout review — replace before launch. ## Guides, webinars, and case studies Case study ### Case study: consolidating benefit vendors Placeholder description for layout review — replace before launch. Read Webinar ### Webinar: preparing a program for the next plan year Placeholder description for layout review — replace before launch. Watch Guide ### The benefits wallet buyer’s guide Placeholder description for layout review — replace before launch. Download Press releases Company announcements, partnership news, and assessments. All press releases Aug 20, 2026Speak announces expanded retail acceptanceJul 30, 2026Speak completes annual security assessmentJul 8, 2026Speak appoints new clinical advisory lead ## One email a month, built for benefits teams. New research, regulatory notes, and program design ideas. Subscribe --- ## ACA and Commercial URL: https://speakbenefits.com/aca-commercial/ MedicaidMedicare AdvantageACA & Commercial # Every reward and benefit for commercial plans.** One wallet. One card. Marketplace and commercial members choose a plan on price and stay for what it feels like to use. Speak gives you the Universal Wallet — carded benefits and rewards members actually open — a differentiator you can launch ahead of open enrollment. Get in Touch ## A wellness program nobody opens is not a differentiator. Commercial and Marketplace plans fund incentives, wellness dollars, and supplemental benefits, then deliver them through portals, forms, and reimbursements. Participation collapses at every step that asks the member to do the administration. ### Reimbursement is a deterrent Paying up front and waiting for a form to clear is enough friction to end most good intentions. ### One vendor per benefit Separate logins for rewards, wellness, and supplemental benefits leave the member — and your service team — to connect them. ### Retention is decided annually In a market where members shop every year, a benefit they never used is a benefit they will not weigh at renewal. ## Fund it once. The card handles the rest. Choose the accounts your product needs and Speak issues them as spendable dollars with eligibility enforced at the register, so eligible card purchases don’t need claim forms, receipts, or a portal for members to remember. One contract, one partner.** We integrate and manage the vendors behind your benefits so your team works with one point of accountability. Wellness rewardsPreventive incentivesOTC & pharmacyHealthy foodFitnessVision · dental · hearingTransportationMeals & nutrition ### Eligibility by product Accounts, funding cadence, and limits are set per product and population, so a Marketplace plan and a large group plan can run different designs on one platform. ### Taxable and non-taxable, separated Each account reports independently, so your finance team can track them separately. ### Proof at the register Item- and merchant-level detail gives account administration an audit trail without asking members for paperwork. OTC & Value Added BenefitsWellness RewardsVision DentalFitness Meals & NutritionTransportationBaby & Parenthood Card ## Card your members once, support them forever. One multi-functional, custom-branded card carries every carded benefit in the program. Restrictions are enforced at the point of sale, so a member never has to guess whether an item qualifies. Curated or custom Approved Product Lists, restricted at SKU and merchant level. Add new benefit purses to the same card as the program evolves — no re-carding. Card management, PIN reset, and replacement handled inside the wallet. ### Design Account structure, eligible categories, and card design agreed and configured. ### Integration Eligibility feeds, funding and accounting setup, card production, service readiness. ### Communications Member collateral, enrollment materials, and marketing automation produced in-house. ### Live Cards in hand, wallet live, support and reporting running from day one. Timing confirmed during scoping. ## A launch built around open enrollment. Commercial and Marketplace products are decided annually, so the program has to be in members’ hands before open enrollment. This reflects a typical Speak sequence — exact timing depends on scope and client readiness. ## Support that keeps members out of the phone tree. Speak runs its own AI-enabled service operation, so members call one number for benefit, card, and eligibility questions. Where another vendor delivers the benefit, Speak manages the handoff. It works alongside your existing call center — live agent support can sit with the plan, with Speak, or with a third party. ### 24/7 support inside the app - In-app live chat and support calling - Phone and chat coverage around the clock - No leaving the wallet to get help ### Support that stays off your desk - AI assistance, chatbot, and live agents - Card, balance, and eligibility questions resolved by Speak - Escalation paths agreed with your service team ### Proactive outreach - Benefit reload alerts - Reward opportunities as they are earned - Preventive visit and screening reminders ### 360° coverage - Activation, balances, lost or stolen cards - Product eligibility and store finder - Program questions and transaction history ### Insight categories Card activity, transaction activity, contact center performance, redemption funds, and member engagement. ### Program compliance support Reporting your team can defend to regulators and stakeholders, with the transaction-level detail behind every figure. ### Member communications Cards, mailers, and catalogs designed and produced in-house at required reading levels, with translation and accessible formats. Data & reporting ## The data behind your regulatory reporting. A 24/7 client portal gives instant visibility into card issuance, activation, and utilization, with dashboards and presentation-ready reporting for health plans and regulators. HITRUSTPCI DSSSOC 2HIPAA ## Let’s talk about your commercial and Marketplace products. Tell us what you want members to feel at renewal, and we will show you how the program is configured, launched, supported, and reported. Get in Touch --- ## Medicare Advantage URL: https://speakbenefits.com/medicare-advantage/ MedicaidMedicare AdvantageACA & Commercial # Every Medicare Advantage supplemental benefit.** One wallet. One card. Supplemental benefit design gets more ambitious every bid cycle. Speak delivers OTC, flex, and supplemental benefits through one wallet, with one card for the point of sale, so members always know what they have — built to support your Star Ratings experience measures. Get in Touch ## Rich benefit design does not survive a confusing member experience. Plans compete on supplemental benefits, yet many members leave part of their allowance unspent. The gap is rarely the benefit itself — it is that the member cannot tell what they have, where it works, or what happens at the register. ### Too many purses to track OTC quarterly, flex annual, groceries monthly, utilities for the eligible few. Each purse has its own rules and its own reset date. ### Confusion lands in the call center Balance and eligibility questions dominate call volume, and every transferred call is a CAHPS answer waiting to happen. ### Unused dollars buy nothing A benefit that expires improves no measure and wins no renewal. It shows up in the bid as cost without effect. ## From the filed bid to the purse in the member’s hand. What you filed is what gets configured. Speak builds the purse structure to the plan benefit package, gates the populations that need gating, and reports breakage back while the year is still open. One contract, one partner.** We integrate and manage the vendors behind your benefits so your team works with one point of accountability. 01 ### Model the filed design Purse structure, allowance cadence, and eligibility criteria configured to the plan benefit package. 02 ### Gate SSBCI populations Special supplemental benefits limited to the members the plan qualifies, with eligibility flags applied per purse. 03 ### Issue one card MCC and SKU-level restriction applied per purse. New purses join the same card — no re-carding. 04 ### Watch the breakage Purse-level spend and expiring dollars surfaced while the quarter is still open. OTC & Supplemental BenefitsFlex SpendingRewards TransportationVision DentalMeals & NutritionFitness Card ## Card your members once, support them forever. One multi-functional, custom-branded card carries every carded benefit in the program. Restrictions are enforced at the point of sale, so a member never has to guess whether an item qualifies. Curated or custom Approved Product Lists, restricted at SKU and merchant level. Add new benefit purses to the same card as the program evolves — no re-carding. Card management, PIN reset, and replacement handled inside the wallet. ### CAHPS and member experience Members call one number for card, balance, and eligibility questions. Where another vendor delivers the benefit, Speak manages the handoff. ### Screenings and annual visits Reward dollars posted to the same card once the plan confirms completion, with the activity recorded. ### Health status and outcomes Food, fitness, and transportation purses that support the health status members report in the Health Outcomes Survey. ## Where the program shows up in your measures. Supplemental benefits touch Stars through experience and completed activities. Because the benefit and the service channel sit on one platform, the evidence arrives together. ### 24/7 support inside the app - In-app live chat and support calling - Phone and chat coverage around the clock - No leaving the wallet to get help ### Support built for seniors - Live agents trained on Medicare benefit rules - Natural-language IVR for members who prefer the phone - Visual assist and AI-supported resolution ### Proactive outreach - Benefit reload alerts - Reward opportunities as they are earned - Annual wellness visit and seasonal shot reminders ### 360° coverage - Activation, balances, lost or stolen cards - Product eligibility and store finder - Program questions and transaction history ## Superior member experiences, one support team. Speak runs its own AI-enabled service operation, so the team answering the call knows the benefit, the card, and the retailer. It works alongside your existing call center — live agent support can sit with the plan, with Speak, or with a third party. Get in Touch Data & reporting ## The data behind your regulatory reporting. A 24/7 client portal gives instant visibility into card issuance, activation, and utilization, with dashboards and presentation-ready reporting you can take into audit and bid review. HITRUSTPCI DSSSOC 2HIPAA ### Insight categories Card activity, transaction activity, contact center performance, redemption funds, and member engagement. ### Program compliance support Reporting your team can defend to regulators and stakeholders, with the transaction-level detail behind every figure. ### Member communications Cards, mailers, and catalogs designed and produced in-house at required reading levels, with translation and accessible formats. ## Let’s talk about your next bid. Bring us your benefit design and we will show you how it is configured, issued, serviced, and reported. Get in Touch --- ## Medicaid URL: https://speakbenefits.com/medicaid/ MedicaidMedicare AdvantageACA & Commercial # Medicaid benefits and rewards, in a wallet members actually open. Medicaid and DSNP (dual-eligible) members often carry a wide mix of benefits. Speak brings health plan benefits and rewards into a single Universal Wallet — so members can see what they have and use it. Get in Touch ## Low utilization is not low need. Medicaid programs often carry more benefit types, vendors, and churn. The barriers members hit are practical ones: members don’t know what they have, too many cards, no visibility into balances, and support that lives outside the app. ### Members don’t know it’s there Members cannot use a benefit they never hear about. Awareness collapses before access or usability even become questions. ### A card for every program A healthy food card, another for OTC, a transportation number on a mailer. Members are left carrying the integration burden. ### No line of sight to balances When a member cannot see what a benefit is worth today, they treat it as unavailable. Utilization reporting arrives too late to fix that. ### Benefits live in silos Members manage food, pharmacy, and transportation benefits in different places, with different support lines. ## One wallet. One card. One line to call. Speak collapses each of those barriers into a single member experience — one card at the register, real-time visibility in the wallet, and one team on the phone. **One contract, one partner.** We integrate and manage the vendors behind your benefits so your team works with one point of accountability. ### One card for every program A single Universal Wallet card replaces the healthy food card, the OTC card, and the transportation number on a mailer. ### Balances, alerts, and reminders in the wallet Members see what’s available today and get alerts and reminders, so they know the benefit is there and when to use it. ### One support line in the app Members call one number for groceries, pharmacy, and transportation questions. Where another vendor delivers the benefit, Speak manages the handoff. ### Benefit design per contract Purses, eligibility rules, and allowable spend are configured per state and line of business, with versioned records of every change. ### Value-added services Vision, dental, hearing, and meal supports administered as documented, restricted purses, plus ride allowances for non-emergency transportation, coordinated with your transportation vendors. ### Continuity through churn A digital channel that still reaches members when a mailing address has gone stale. ### Spend and utilization reporting Reporting by purse and member, delivered on your schedule to support your state reporting requirements. ## Configured to the contract you actually signed. Speak administers Medicaid benefits the way state contracts are written and audited — purse by purse, with the documentation attached rather than reconstructed later. Card ## Card your members once, support them forever. One multi-functional, custom-branded card carries every carded benefit in the program. Restrictions are enforced at the point of sale, so a member never has to guess whether an item qualifies. Curated or custom Approved Product Lists, restricted at SKU and merchant level. Add new benefit purses to the same card as the program evolves — no re-carding. Card management, PIN reset, and replacement handled inside the wallet. ## Reward programs built around the measures you are held to. Reward purses follow common program designs and operate within your state’s incentive rules. Members earn on the card they already carry, and every earned dollar ties back to a completed activity. ### Mother & baby support - Prenatal visit attendance - Postpartum follow-up - Well-child visit series Supports timeliness of prenatal and postpartum care ### Diabetes support - A1c screening - Retinal exam - Supplies and monitoring purse Supports comprehensive diabetes care ### Immunization support - Childhood immunization series - Adolescent catch-up - Seasonal shots Supports childhood and adolescent immunization status ## Support built around the member, not the vendor. Speak runs its own AI-enabled service operation, so the team answering a Medicaid member’s call knows the benefit, the card, and the retailer. It works alongside your existing call center — live agent support can sit with the plan, with Speak, or with a third party. Get in Touch ### 24/7 support inside the app - In-app live chat and support calling - Phone and chat coverage around the clock - No leaving the wallet to get help ### Language and accessibility - Support in the member’s own language - Plain-language collateral at required reading levels - Live agents, IVR, and visual assist ### Proactive outreach - Benefit reload alerts - Reward opportunities as they are earned - Well-child, prenatal, and screening reminders ### 360° coverage - Activation, balances, lost or stolen cards - Product eligibility and store finder - Program questions and transaction history Communications ## Member communications, produced in-house. Cards, welcome mailers, and catalogs are designed and produced in-house at required reading levels, with translation and accessible formats — so what a member receives in the mail matches what they see in the wallet. Data & reporting ## Reporting built around what your state requires. A 24/7 client portal shows card issuance, activation, and utilization as they happen, with presentation-ready exports and the transaction-level detail behind every figure. HITRUSTPCI DSSSOC 2HIPAA Reported on: Card activityTransaction activityContact center performanceRedemption fundsMember engagement ## Let’s talk about your Medicaid program. Tell us what your contract requires, and we will show you how the program is configured, launched, supported, and reported. Get in Touch --- ## About Us URL: https://speakbenefits.com/about-us/ # About us Speak is a health-focused fintech company who delivers innovative and modern payment solutions to the healthcare industry with the mission to become the Currency of Care. Our goal is to be the most flexible payment option in the industry, driving superior member engagement and satisfaction that optimizes health plan outcomes, reduces cost, and delivers innovative rewards with superior results. We Speak Benefits. IN PROGRESS IN PROGRESS IN PROGRESS ## Who we are Founded in 2017, Speak delivers more than OTC benefits administration. We are a total benefits platform designed to deliver superior outcomes for your members. ### One partner, endless possibilities #### Card Benefits - Carded benefits for Medicare, Medicaid, ACA, & commercial - Supplemental benefits & rewards - SKU & merchant-level restriction #### Universal Digital Wallet - Supports all carded benefits - Integrates non-carded benefits - Product scanner with optional health integrations - Native customer support in app #### Customer & Client Support - Full contact center capabilities - AI-enabled for faster service at a lower cost - Built-in dashboards & reporting - Dedicated account management ### Our latest ### Speak joins Morse Capital Partners Speak Benefits has joined the Morse family on a mission to disrupt the healthcare payment technologies industry. ## Our values ## Member focused Putting member needs at the center of the business drives us to find innovative ways to make benefits and rewards easier to access and redeem ## Innovative By constantly innovating our technology and usability practices, we ensure a product that is best in class for members and clients alike. ## Consultative Every health benefit or reward program is unique. We’re focused on providing flexible options and working with you to achieve collaborative solutions that meet your program goals. ## Team oriented We have a diverse team with many areas of expertise. A collaborative, team-oriented approach ensures deep-rooted quality in all areas of our business and our technology. --- ## Solutions URL: https://speakbenefits.com/solutions/ # Solutions We’re more than a card. We’re the one-stop shop for your entire program. Get in Touch ## If it’s on the card, it’s in the wallet And if it’s not on the card, we can integrate it. ### OTC & food benefits Access to funds for grocery and over-the-counter items. ### Vision, dental, & hearing Coverage for routine eye exams, glasses, dental check-ups, cleanings, hearing aids, and other related services. ### Fitness programs Access to fitness programs, gym memberships, and wellness classes to promote healthy lifestyles. ### Transportation services Non-emergency transportation for medical appointments and in some cases, non-medical purposes like grocery shopping or job training. ### Home-delivered meals Provision of meals to memory post-hospital discharge or to those identified as high-risk, ensuring nutritional needs are met during recovery. ### Doula & maternity support Support for pregnant members through services like doula assistance, prenatal and postpartum home visits, and educational services. ### Housing assistance Financial support for members who are homeless or at risk of homelessness to secure stable housing. ## One card solution ### Once members are carded, the possibilities are endless. ### Healthcare benefits All their OTC and Value-Added benefits in one high-engagement platform. ### Healthy behavior rewards Healthy behaviors like getting vaccinated and checking blood pressure earn rewards, as do gym visits. ### Supplemental benefits Hearing, vision, transport, utilities, meals, maternal care, fitness, and other added perks are available as supplemental benefits. ### Drive measurable outcomes We will focus on gap closures, HEDIS measures, and star ratings to drive measurable results. We can add non-carded benefits, too Here are a few benefit examples – but you can add others ### Hearing ### Vision ### Dental ### Meals ### Non-Emergent Transportation Support ## One-click, 24/7 access right from the wallet ## AI Assistance ## Chat ## Interactive Voice Response ## Live Agent Support --- ## Who we serve URL: https://speakbenefits.com/who-we-serve/ # Who we serve Founded in 2017, Speak delivers more than OTC benefits administration. We are total benefits platform designed to deliver superior outcomes for your members. Get in Touch ## Trusted by millions every day Years of experience supporting clients, large and small, with carded benefits, digital wallets, and leading customer support. ## $110B+ Spent by our members per year ## 50M+ Members under current management ## 1.4B Annual call center touch points ## Why it matters Speak is easy to deploy, with all the services your program needs under one roof. ## Finance - Balance checks - Card management ## Ecommerce - Shopping - Payments ## Rewards & Benefits - Reward architecture - Visibility into additional benefits A one-stop shop Robust, built-in features make Speak an easy choice for you and your members. ## Balance checks ## Shopping ## Nutrition guidance ## Card management ## Payments ## Integration for EBT users ## Customer support ## Product eligibility ## Reward architecture Impacting outcomes More engagement. More satisfaction. Better outcomes. ## Gap closures ## Star ratings ## HEDIS measures ## Customer satisfaction scores ## Data & reporting ### All the data you need to satisfy regulatory requirements and drive the outcomes you want - Understand member behaviors - Program compliance support - Customer service reporting Get in Touch --- ## Press Releasee URL: https://speakbenefits.com/press-release/ Press Release • 01/11/2023 ## Innovative healthcare fintech Speak Benefits acquired by future-focused venture company Morse. Bentonville, AR: With a mission squarely focused on disrupting healthcare payment technologies, fast-rising fintech Speak (formerly Speak Retail Group) has found a strategic partner to help propel growth in Morse Capital Partners. Speak fulfills a unique space in the healthcare sector, primarily partnering with Medicare Advantage, Medicaid, and Commercial health plans to make consumer benefit and reward allowances accessible through a prepaid debit card or digital delivery. Speak takes a modern, tech-focused approach, allowing consumers to purchase approved products with their health plan benefit dollars through a variety of different brick-and-mortar or online retailers. Using restricted payment technology, the approved products are verified and the health plan provided benefit dollars are debited automatically by the swipe of the debit card at the retailer point of sales. The financial technology company also specializes in health plan reward programs that incentivize members for healthy behaviors, such as receiving vaccines or getting blood pressure readings, using their technology to issue member rewards in real time. Regarding the acquisition, Speak’s leadership saw Morse’s funding, user experience expertise, and industry partnerships as key strategic pillars for realizing their vision for the future of the company. “Having the partnership and investment from Morse allows us to innovate and explore additional products that allow us to stay on the cusp of what’s next in healthcare,” says Speak co-founder Eve LeMaster. “It aligns with our goals to disrupt the industry, continuously add value for our client base, and make healthcare better.” After the acquisition in March of 2022, Speak relaunched their brand in December with a fresh look and feel, a retooled go-to-market strategy, a new website, and a new mobile app (launching early 2023). Behind the scenes, Speak also added robust digital customer service support, further enhancing their overall offering for health plans. These new enhancements, all core areas of expertise for their new partners at Morse, speak to the immediate impact of the partnership. “We couldn’t be more excited to be bringing Speak’s fintech innovation expertise into the Morse portfolio – particularly the ability to restrict spend at the item level,” says Morse partner, Matt Fitzgerald. “There is unlimited capability and potential for this technology. It’s truly a mutually beneficial partnership at every level.” --- ## Homepage URL: https://speakbenefits.com/ # One wallet. # Endless benefits. The Universal Wallet puts every benefit your members have earned in one place — visible, simple, and easy to use. When members can see their benefits, they use them. And when they use them, outcomes improve. * ## Speak is more than an app,** it’s an all-in-one benefits solution Universal Digital Wallet Multi-functional branded benefit cards Rewards and Incentives Engaging member tools and shopping ## One platform, not a stack of vendors Most plans need one vendor for the retail network, another for member support, others for analytics, printing, and design. With Speak, it’s all one platform. Fewer integrations. Less overhead. One team accountable for it all. An experience that’s truly built around the members Realtime visibility** into benefits** resulting in higher utilization. A simple, intuitive interface** that reduces confusion which improves member satisfaction **Immediate access** to member service tools that greatly reduce call center volume. A single, **consistent experience** across benefit types resulting in stronger retention Universal Wallet ## Everything members need, in one wallet Our easy-to-use Universal Wallet allows members to see all their benefits in one place, including health plan benefits, SNAP, and WIC. It has everything they need to manage their accounts, check balances, find savings, search nearby stores to shop, earn rewards, and much more. Card ## Pay for every benefit from one card No more hassles with issuing multiple cards for different supplemental benefits. With Speak, your members get the simplicity of having one smart payment method that covers everything. Explore Solutions ### Flexible payment solutions, customized to fit your health plan and goals There is no one-size-fits-all approach to health benefits and rewards. From unrestrictive payment solutions to UPC-level restrictions, Speak takes a consultative approach to partnership, configuring solutions to fit your program’s unique needs. #### ***Universal Digital Wallet - All benefit cards in one place - Built-in member support - Retail integration #### ****Branded Card - Multi-functional card - MCC & SKU-level restrictions #### ****Complete CX & IVR - 360˚ support for card & program - IVR + AI: faster service at a lower cost - 24/7 availability #### ****Reporting & Analytics - Understand behaviors - Program compliance - Customer service reporting #### ****Printing & Design - Custom card design - Catalog design - Mailers & collateral - - - ### More ways to shop ## In-store 70k locations ## Online Available today ## Catalog / Call to order Provided by CVS Health Get in Touch --- ## Produce URL: https://speakbenefits.com/produce/ * # Brighter Bites Fresh Produce Use your card to purchase fresh fruits and vegetables. Use your card to purchase fresh fruits and vegetables. ### How it works Visit a participating retailer and shop for eligible products Swipe your card at checkout ### Eligible Products Fresh Fruits Fresh Vegetables ### Participating Retailers Use your rewards card at participating local retailers including: Plus, many other independent markets and pharmacies. ### FAQs #### ***How do I check my balance? Call 833-465-0863 to check your balance and review transaction history, 24 hours a day. #### ****Can I use my card to purchase something other than the eligible product categories listed above? No, your card can only be used to buy eligible products. You do not need to separate the eligible products from the rest of your basket at checkout, approved purchases are automatically paid up to your card balance. Any remaining balance will require another form of payment. #### ****Does my card expire? Yes, the funds on the card expire on the date shown on the front of your card. #### ****What if my card is lost or stolen? Call 833-465-0863 to report lost or stolen cards. #### ****What happens if I need to return an Item? You may return the item in accordance with the stores return policy. Please bring your card and a copy of your receipt. Returns cannot be made for cash. #### ****How do I use my card at checkout? Swipe or scan your card at the time of checkout; your card will work just like a debit and credit card. Any available funds will be applied to the eligible items in your basket. You will be asked to pay any remaining balance with a different form of tender – such as debit, credit, or cash. #### ****Why was my purchase declined at the register? For any questions regarding a transaction, please call 833-465-0863 for assistance. #### ****How often can I shop? There are no limits to how often you can shop at participating retailers if you have funds available. ### Customer Service Call 833-465-0863 to check your balance and review transaction history, 24 hours a day. Customer Service Representatives are available Monday through Friday, 8:00 a.m. – 6:00 p.m. Central Time. Privacy Policy Terms & Conditions Speak Retail © 2022. All rights reserved. --- ## Privacy Policy URL: https://speakbenefits.com/privacy-policy/ ### Privacy Policy Last updated: March 3, 2026 This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You. We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. #### Interpretation and Definitions #### Interpretation The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural. #### Definitions For the purposes of this Privacy Policy: - **Account** means a unique account created for You to access our Service or parts of our Service. - **Business**, for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers’ personal information and determines the purposes and means of the processing of Consumers’ personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers’ personal information, that does business in the State of California. - **Company** (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Speak Retail, LLC, 712 SE 5th St. Suite 50; Bentonville, AR 72712. - **Consumer**, for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose. - **Cookies** are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses. - **Country** refers to: Arkansas, United States - **Device** means any device that can access the Service such as a computer, a cellphone or a digital tablet. - **Do Not Track** (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites. - **Personal Data** is any information that relates to an identified or identifiable individual.For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You. - **Sale**, for the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s personal information to another business or a third party for monetary or other valuable consideration. - **Service** refers to the Website and related applications and support features. - **Service Provider** means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used. - **Usage Data** refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit). - **Website** refers to Speak Benefits, accessible from https://speakbenefits.com - **You** means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable. #### Collecting and Using Your Personal Data #### Types of Data Collected #### Personal Data While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to: - Email address - First name and last name - Phone number - Address, State, Province, ZIP/Postal code, City - Usage Data #### Usage Data Usage Data is collected automatically when using the Service. Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data. When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data. We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device. #### Support Communications Data When You submit a support request or use our call or chat features, We may collect and store communications content, including call recordings, chat messages, and related metadata such as timestamps and participant information (“Support Communications Data”). This information is used solely to provide customer support, troubleshoot issues, ensure service quality, improve Our Service, and maintain security. Support Communications Data is stored securely and access is limited to authorized personnel and service providers acting on Our behalf. We retain this data only for as long as reasonably necessary to fulfill these purposes or comply with legal obligations. #### Tracking Technologies and Cookies We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include: - **Cookies or Browser Cookies.** A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies. - **Flash Cookies.** Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies. For more information on how You can delete Flash Cookies, please read “Where can I change the settings for disabling, or deleting local shared objects?” available here. - **Web Beacons.** Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity). Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. You can learn more about cookies on TermsFeed website article. We use both Session and Persistent Cookies for the purposes set out below: - **Necessary / Essential Cookies**Type: Session CookiesAdministered by: UsPurpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services. - **Cookies Policy / Notice Acceptance Cookies**Type: Persistent CookiesAdministered by: UsPurpose: These Cookies identify if users have accepted the use of cookies on the Website. - **Functionality Cookies**Type: Persistent CookiesAdministered by: UsPurpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website. - **Tracking and Performance Cookies**Type: Persistent CookiesAdministered by: Third-PartiesPurpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them. For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy. #### Use of Your Personal Data The Company may use Personal Data for the following purposes: - **To provide and maintain our Service**, including to monitor the usage of our Service. - **To manage Your Account:** to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user. - **For the performance of a contract:** the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service. - **To contact You:** To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation. - **To provide You** with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information. - **To manage Your requests:** To attend and manage Your requests to Us. - **For business transfers:** We may use Your information 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 Data held by Us about our Service users is among the assets transferred. - **For other purposes**: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience. - **To provide customer support**, including processing and responding to support calls and chat communications. We may share Your personal information in the following situations: - **With Service Providers:** We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You. - **For business transfers:** We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company. - **With Affiliates:** We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us. - **With business partners:** We may share Your information with Our business partners to offer You certain products, services or promotions. - **With other users:** when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. - **With Your consent**: We may disclose Your personal information for any other purpose with Your consent. #### Retention of Your Personal Data The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods. #### Transfer of Your Personal Data Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction. Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer. The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information. #### Disclosure of Your Personal Data #### Business Transactions If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy. #### Law Enforcement Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency). #### Other Legal Requirements The Company may disclose Your Personal Data in the good faith belief that such action is necessary to: - Comply with a legal obligation - Protect and defend the rights or property of the Company - Prevent or investigate possible wrongdoing in connection with the Service - Protect the personal safety of Users of the Service or the public - Protect against legal liability #### Security of Your Personal Data The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security. Support Communications Data is protected using commercially reasonable administrative, technical, and physical safeguards. #### Detailed Information on the Processing of Your Personal Data The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies. #### Analytics We may use third-party Service providers to monitor and analyze the use of our Service. - **Google Analytics: **Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy #### Usage, Performance and Miscellaneous We may use third-party Service Providers to provide better improvement of our Service. - **Invisible reCAPTCHA: **We use an invisible captcha service named reCAPTCHA. reCAPTCHA is operated by Google.The reCAPTCHA service may collect information from You and from Your Device for security purposes.The information gathered by reCAPTCHA is held in accordance with the Privacy Policy of Google: - **Hot Jar: **Their Privacy Policy can be viewed here. #### CCPA Privacy This privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California. #### Categories of Personal Information Collected We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months. Please note that the categories and examples provided in the list below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact collected by Us, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us. - **Category A: Identifiers.**Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver’s license number, passport number, or other similar identifiers.Collected: Yes. - **Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).**Examples: 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.Collected: Yes. - **Category C: Protected classification characteristics under California or federal law.**Examples: 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).Collected: No. - **Category D: Commercial information.**Examples: Records and history of products or services purchased or considered.Collected: No. - **Category E: Biometric information.**Examples: 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.Collected: No. - **Category F: Internet or other similar network activity.**Examples: Interaction with our Service or advertisement.Collected: Yes. - **Category G: Geolocation data.**Examples: Approximate physical location.Collected: No. - **Category H: Sensory data.**Examples: Audio, electronic, visual, thermal, olfactory, or similar information.Collected: No. - **Category I: Professional or employment-related information.**Examples: Current or past job history or performance evaluations.Collected: No. - **Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).**Examples: 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.Collected: No. - **Category K: Inferences drawn from other personal information.**Examples: Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.Collected: No. Under CCPA, personal information does not include: - Publicly available information from government records - Deidentified or aggregated consumer information - Information excluded from the CCPA’s scope, such as: Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data - Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994 #### Sources of Personal Information We obtain the categories of personal information listed above from the following categories of sources: - **Directly from You**. For example, from the forms You complete on our Service, preferences You express or provide through our Service. - **Indirectly from You**. For example, from observing Your activity on our Service. - **Automatically from You**. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service. - **From Service Providers**. For example, third-party vendors to monitor and analyze the use of our Service, or other third-party vendors that We use to provide the Service to You. #### Use of Personal Information for Business Purposes or Commercial Purposes We may use or disclose personal information We collect for “business purposes” or “commercial purposes” (as defined under the CCPA), which may include the following examples: - To operate our Service and provide You with our Service. - To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve our Service. - To fulfill or meet the reason You provided the information. For example, if You share Your contact information to ask a question about our Service, We will use that personal information to respond to Your inquiry. - To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. - As described to You when collecting Your personal information or as otherwise set forth in the CCPA. - For internal administrative and auditing purposes. - To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities. Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the “Use of Your Personal Data” section. If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes We will update this Privacy Policy. #### Disclosure of Personal Information for Business Purposes or Commercial Purposes We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal information for business or commercial purposes: - Category A: Identifiers - Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) - Category F: Internet or other similar network activity Please note that the categories listed above are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact disclosed, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed. When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. #### Sale of Personal Information As defined in the CCPA, “sell” and “sale” mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer’s personal information by the business to a third party for valuable consideration. This means that We may have received some kind of benefit in return for sharing personal information, but not necessarily a monetary benefit. Please note that the categories listed below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact sold, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been shared for value in return. We may sell and may have sold in the last twelve (12) months the following categories of personal information: - Category A: Identifiers - Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) - Category F: Internet or other similar network activity #### Share of Personal Information We may share Your personal information identified in the above categories with the following categories of third parties: - Service Providers - Our affiliates - Our business partners - Third party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to You #### Sale of Personal Information of Minors Under 16 Years of Age We do not knowingly collect personal information from minors under the age of 16 through our Service, although certain third party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies and we encourage parents and legal guardians to monitor their children’s Internet usage and instruct their children to never provide information on other websites without their permission. We do not sell the personal information of Consumers We actually know are less than 16 years of age, unless We receive affirmative authorization (the “right to opt-in”) from either the Consumer who is between 13 and 16 years of age, or the parent or guardian of a Consumer less than 13 years of age. Consumers who opt-in to the sale of personal information may opt-out of future sales at any time. To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by contacting Us. If You have reason to believe that a child under the age of 13 (or 16) has provided Us with personal information, please contact Us with sufficient detail to enable Us to delete that information. #### Your Rights Under the CCPA The CCPA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights: - **The right to notice.** You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used. - **The right to request.** Under CCPA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You: The categories of personal information We collected about You - The categories of sources for the personal information We collected about You - Our business or commercial purpose for collecting or selling that personal information - The categories of third parties with whom We share that personal information - The specific pieces of personal information We collected about You - If we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You: The categories of personal information categories sold - The categories of personal information categories disclosed - **The right to say no to the sale of Personal Data (opt-out).** You have the right to direct Us to not sell Your personal information. To submit an opt-out request please contact Us. - **The right to delete Personal Data.** You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to: Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You. - Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities. - Debug products to identify and repair errors that impair existing intended functionality. - Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law. - Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.). - Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if You previously provided informed consent. - Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us. - Comply with a legal obligation. - Make other internal and lawful uses of that information that are compatible with the context in which You provided it. - **The right not to be discriminated against.** You have the right not to be discriminated against for exercising any of Your consumer’s rights, including by: Denying goods or services to You - Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties - Providing a different level or quality of goods or services to You - Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services #### Exercising Your CCPA Data Protection Rights In order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us: - By email: customerservice@speakbenefits.com Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information. Your request to Us must: - Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative - Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it We cannot respond to Your request or provide You with the required information if We cannot: - Verify Your identity or authority to make the request - And confirm that the personal information relates to You We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice. Any disclosures We provide will only cover the 12-month period preceding the verifiable request’s receipt. For data portability requests, We will select a format to provide Your personal information that is readily usable and should allow You to transmit the information from one entity to another entity without hindrance. #### Do Not Sell My Personal Information You have the right to opt-out of the sale of Your personal information. Once We receive and confirm a verifiable consumer request from You, we will stop selling Your personal information. To exercise Your right to opt-out, please contact Us. The Service Providers we partner with (for example, our analytics or advertising partners) may use technology on the Service that sells personal information as defined by the CCPA law. If you wish to opt out of the use of Your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may do so by following the instructions below. Please note that any opt out is specific to the browser You use. You may need to opt out on every browser that You use. #### Website You can opt out of receiving ads that are personalized as served by our Service Providers by following our instructions presented on the Service: - The NAI’s opt-out platform: http://www.networkadvertising.org/choices/ - The EDAA’s opt-out platform http://www.youronlinechoices.com/ - The DAA’s opt-out platform: http://optout.aboutads.info/?c=2&lang=EN The opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you change browsers or delete the cookies saved by your browser, You will need to opt out again. #### Mobile Devices Your mobile device may give You the ability to opt out of the use of information about the apps You use in order to serve You ads that are targeted to Your interests: - “Opt out of Interest-Based Ads” or “Opt out of Ads Personalization” on Android devices - “Limit Ad Tracking” on iOS devices You can also stop the collection of location information from Your mobile device by changing the preferences on Your mobile device. #### “Do Not Track” Policy as Required by California Online Privacy Protection Act (CalOPPA) Our Service does not respond to Do Not Track signals. However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser. #### Children’s Privacy Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers. If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information. #### Your California Privacy Rights (California’s Shine the Light Law) Under California Civil Code Section 1798 (California’s Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties’ direct marketing purposes. If you’d like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below. #### California Privacy Rights for Minor Users (California Business and Professions Code Section 22581) California Business and Professions Code Section 22581 allows California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted. To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account. Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances. #### Link to Other Websites Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services. #### Changes to this Privacy Policy We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page. We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. #### Contact Us If you have any questions about this Privacy Policy, You can contact us: - By email: customerservice@speakbenefits.com --- ## Dental URL: https://speakbenefits.com/dental/ * # Welcome to your Dental Rewards Use your card for health related Over The Counter (OTC), Healthy Foods and Baby Care products. Activate your card by calling 844-227-2332 Visit a participating retailer and shop for eligible products Swipe your card** at checkout #### Activation Instructions** - **Cards must be activated prior to use.** - Call 844-227-2332 to activate your card. - Have your 19-digit card number and date of birth ready! ### Eligible Products #### ***Healthy Food - Dairy – milk, eggs, cheese, yogurt - Meat – fresh & frozen - Frozen seafood - Frozen prepared meals – individual and family meals - Fresh, frozen, and pre-packaged fruits and vegetables - Canned fruits and vegetables - Canned meats - Canned soups - Rice, beans and legumes - Bread and grains – tortillas, sandwich bread, buns - Pasta and sauces - Flour, sugar, spices - Nutritional shakes #### ****Health-Related Over the Counter - Cough, cold, and flu remedies – syrups, cough drops and decongestants - Allergy and sinus relievers – antihistamines, nasal sprays, etc. - Pain relievers – including topical creams and patches - First aid supplies – bandages, cleansers, and anti-itch products - Antacids and laxatives – acid reducers and stool softeners - Vitamins and supplements - Thermometers and blood pressure monitors - Heating pads, compression hosiery, and support products - Toothbrushes, Toothpaste, Mouthwash and Dental Floss - Foot powder and antifungals - Eye Care - Ear Care - Nicotine replacement therapies – patches, gums, and lozenges - Sunscreen and therapeutic lotions #### ****Baby Care - Diapers - Wipes - Baby Food and Formula - Baby health - Shampoo and Baby Wash ### Participating Retailers Use your rewards card at participating local retailers including: * Plus, many other independent markets and pharmacies. ### FAQs #### ***How do I check my balance? Call 844-227-2332 to check your balance and review transaction history, 24 hours a day. #### ****Can I use my rewards card to purchase something other than the eligible product categories listed above? No, your rewards card can only be used to buy eligible products.  You do not need to separate the eligible products from the rest of your basket at checkout, approved purchases are automatically paid up to your card balance. Any remaining balance will require another form of payment. #### ****Does my rewards card expire? Yes, the funds on the rewards card expire on the date shown on the front of your card. #### ****What if my rewards card is lost or stolen? Call 844-227-2332 to report lost or stolen cards. #### ****What happens if I need to return an Item? You may return the item in accordance with the stores return policy. Please bring your card and a copy of your receipt. Returns cannot be made for cash. #### ****How do I use my card at checkout? Swipe or scan your card at the time of checkout; your card will work just like a debit and credit card. Any available funds will be applied to the eligible items in your basket. You will be asked to pay any remaining balance with a different form of tender – such as debit, credit, or cash.  #### ****Why was my purchase declined at the register? For any questions regarding a transaction, please call 844-227-2332 for assistance. #### ****How often can I shop? There are no limits to how often you can shop at participating retailers if you have funds available. ### Customer Service Call 844-227-2332 to check your balance and review transaction history, 24 hours a day. Customer Service Representatives are available Monday through Friday, 8:00 a.m. – 6:00 p.m. Central Time. Privacy Policy Terms and Conditions Speak Retail © 2022.All rights reserved. --- ## Contact Us URL: https://speakbenefits.com/contact-us/ # Want to learn more? ## Get in touch. Name * * Email * Phone number (optional) Message (optional) Submit *Thank you for your message! × **There was an error trying to send your message. Please try again later. × --- ## Terms and Conditions URL: https://speakbenefits.com/terms-conditions/ ### Terms and Conditions Last updated: March 4, 2026 Please read these terms and conditions carefully before using Our Service. #### Interpretation and Definitions #### Interpretation The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural. #### Definitions For the purposes of these Terms and Conditions: - **Affiliate** means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority. - **Account** means a unique account created for You to access our Service or parts of our Service. - **Country** refers to: Arkansas, United States - **Company** (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Speak Retail, LLC, 702 SE 5th St; Suite 50; Bentonville, AR 72712. - **Device** means any device that can access the Service such as a computer, a cellphone or a digital tablet. - **Feedback** means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service. - **Service** refers to the Website. - **Terms and Conditions** (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service. - **Third-party Social Media Service** means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service. - **Website** refers to Speak Benefits, accessible from https://speakbenefits.com - **You** means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable. #### Acknowledgment These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service. Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service. By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service. You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service. Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service. #### User Accounts When You create an account with Us, You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Service. You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether Your password is with Our Service or a Third-Party Social Media Service. You agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene. #### Intellectual Property The Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors. The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company. #### Your Feedback to Us You assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction. #### Links to Other Websites Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit. #### Termination We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions. Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service. #### Limitation of Liability Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven’t purchased anything through the Service. To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose. Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law. #### “AS IS” and “AS AVAILABLE” Disclaimer The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected. Without limiting the foregoing, neither the Company nor any of the company’s provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components. Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law. #### Governing Law The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws. #### Disputes Resolution If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company. #### For European Union (EU) Users If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in. #### United States Legal Compliance You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) You are not listed on any United States government list of prohibited or restricted parties. #### Severability and Waiver #### Severability If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect. #### Waiver Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party’s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach. #### Translation Interpretation These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute. #### Changes to These Terms and Conditions We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion. By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service. #### Contact Us If you have any questions about these Terms and Conditions, You can contact us: - By phone number: 888.773.2570 ---