Privacy Policy

1. Information We Collect

We collect personal information you voluntarily provide when you contact us, complete a quote request form, or communicate with our agents. This may include:

• •Full name, date of birth, and age
• •Mailing address, email address, and phone number
• •Health information relevant to insurance coverage (e.g., current medications, health conditions)
• •Medicare Beneficiary Identifier (MBI) or Social Security Number, when required for enrollment
• •Current insurance coverage details
• •Financial information relevant to subsidy eligibility (income, household size)

We also automatically collect limited technical data when you visit our website, including IP address, browser type, pages visited, and referring URLs, through standard web server logs and analytics tools.

2. How We Use Your Information

We use the information we collect solely to:

• •Respond to your inquiries and provide insurance consultations
• •Compare and present insurance plan options that match your needs
• •Complete insurance enrollment applications on your behalf
• •Communicate with you about your coverage, renewals, and plan changes
• •Comply with legal and regulatory obligations, including CMS requirements
• •Improve our website and services

We do not use your personal information for automated decision-making or profiling unrelated to insurance services.

3. CMS Compliance & Medicare Marketing Guidelines

As a licensed insurance agent marketing Medicare Advantage and Medicare Supplement plans, we comply with all applicable CMS marketing guidelines, including:

• •We will not use your personal information to market non-health related products without your express consent.
• •We will not share your information with plan carriers for marketing purposes without your permission.
• •We will not contact you via unsolicited door-to-door visits or cold calls regarding Medicare plans.
• •Any marketing materials we provide are submitted to and approved by CMS or the relevant plan carrier as required.
• •We will clearly identify ourselves as a licensed insurance agent and disclose which carriers we represent.
• •We will not offer cash, gifts, or other inducements to influence your plan selection.

If you believe we have violated CMS marketing guidelines, you may file a complaint with CMS at www.medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).

4. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

• •With insurance carriers, when you request a quote or authorize enrollment in a plan
• •With CMS or state insurance regulators, as required by law
• •With service providers who assist us in operating our website or business (e.g., email platforms), under strict confidentiality agreements
• •In response to a valid legal process, court order, or government request
• •To protect the rights, property, or safety of our agency, clients, or the public

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to contact us by phone if you need to share sensitive information such as your Social Security Number or Medicare Beneficiary Identifier.

6. Your Rights & Choices

You have the right to:

• •Request access to the personal information we hold about you
• •Request correction of inaccurate or incomplete information
• •Request deletion of your personal information, subject to legal retention requirements
• •Opt out of marketing communications at any time by contacting us or clicking "unsubscribe" in any email
• •Withdraw consent for us to contact you

To exercise any of these rights, contact us at the information provided in Section 9 below.

7. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to improve your browsing experience and analyze site traffic. You can control cookie settings through your browser. Disabling cookies may affect some functionality of our website. We do not use tracking technologies to collect sensitive health or financial information.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and government resources such as Medicare.gov. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

9. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or have a concern about how we handle your information, please contact us:

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised "Last Updated" date. We encourage you to review this policy periodically. Continued use of our website after any changes constitutes your acceptance of the updated policy.