# PRIVACY POLICY
**Effective Date: September 28, 2026**
This Privacy Policy explains how our independent Medicare brokerage agency ("we," "us," or "our") collects, uses, discloses, and protects your information when you visit our website.
### 1. Information We Collect
We only collect information that you voluntarily provide to us when you fill out a contact form, request a quote, or ask to speak with a licensed agent. This may include:
* **Personal Identifiers:** Name, phone number, email address, physical address, and date of birth.
* **Medicare & Health Preferences:** Current Medicare status, enrollment windows, and general coverage preferences.
*Note on Technical Data:* We do not directly collect, track, or store network identifiers such as Internet Protocol (IP) addresses, device IDs, or precise geolocation data for marketing profiles. However, standard web hosting servers automatically log basic connection data for security and performance purposes.
### 2. How We Use Your Information
We use the information you provide exclusively to:
* Deliver requested insurance quotes, plan evaluations, and educational materials.
* Connect you with a licensed insurance agent to discuss Medicare options.
* Comply with federal, state, and local regulatory requirements.
### 3. Sharing and Disclosure of Information
We strictly limit the sharing of your information:
* **Insurance Carriers:** Your information may be shared with insurance companies solely to generate accurate plan quotes or facilitate your requested enrollment.
* **Compliance & Legal Authorities:** We may disclose information if required to do so by the Centers for Medicare & Medicaid Services (CMS) or other legal authorities.
* **No Third-Party Lead Sales:** We do not sell, rent, or lease your personal information or leads to third-party marketing companies or unaffiliated independent agents.
### 4. Communication & Consent (TCPA)
By providing your phone number and clicking submit on our forms, you grant your express written consent to be contacted by a licensed insurance agent via phone call, automated dialing systems, artificial or prerecorded voices, or text messages (SMS) regarding Medicare Advantage, Prescription Drug, or Medicare Supplement plans.
* Your consent is not a condition of purchasing any property, goods, or services.
* You may opt out at any time by replying "STOP" to any text message or by requesting to be placed on our internal Do Not Call list.
### 5. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your sensitive personal data from unauthorized access or disclosure. However, no data transmission over the internet can be guaranteed as 100% secure.
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# TERMS OF SERVICE
**Effective Date: September 28, 2026**
Welcome to our website. By accessing or using this site, you agree to comply with and be bound by the following Terms of Service. If you do not agree, please do not use this website.
### 1. Official Government Disclaimer
**This website is owned and operated by an independent private insurance brokerage. This website is NOT endorsed by, affiliated with, or maintained by the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or the Department of Health and Human Services (HHS).**
### 2. Not an Insurance Provider
We are an independent agency, not an insurance company. We provide matching, marketing, and quoting services. Any final insurance coverage decisions, policy issuances, or underwriting determinations are made solely by the specific licensed insurance carrier providing the plan.
### 3. CMS Compliance & Scope of Appointment (SOA)
In accordance with CMS regulations, requesting a formal consultation or discussing specific Medicare Advantage or Part D plans will require the completion of a Scope of Appointment (SOA) form prior to our meeting.
### 4. User Conduct & Accuracy
You agree to provide accurate, current, and truthful information through all forms on this website. You are strictly prohibited from submitting automated, fraudulent, or malicious data. Because we do not track network IP addresses, any abusive behavior or fraudulent submissions will result in immediate termination of your access to our services, and we reserve the right to report fraudulent activity to state departments of insurance or legal authorities.
### 5. Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this website, including but not limited to technical errors, transmission interruptions, or reliance on information presented on the site.
### 6. Modifications to Terms
We reserve the right to change or update these Terms of Service at any time without prior notice. Your continued use of the website following any changes constitutes acceptance of those changes.