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Privacy Policy

Last Updated: January 2025

1. Information We Collect

1.1 Personal Information

We collect the following types of personal information:

Information Type	Examples	Purpose
Contact Information	Name, phone number, email address, mailing address	To connect you with licensed insurance professionals
Demographic Information	Age, date of birth, gender	To determine Medicare eligibility and provide relevant services
Medicare Information	Medicare enrollment status, Part A/B enrollment	To match you with appropriate insurance options
Health Information	General health status, prescription drug needs	To identify suitable Medicare plans and benefits

1.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and location data
• Browser type and version
• Device information (mobile, tablet, desktop)
• Pages visited and time spent on our website
• Referring website information
• Cookies and similar tracking technologies

2. How We Use Your Information

2.1 Primary Uses

We use your personal information to:

• Connect you with licensed insurance agents and brokers
• Provide educational information about Medicare benefits
• Match you with appropriate insurance products and services
• Communicate with you about Medicare-related opportunities
• Improve our services and website functionality

2.2 Marketing Communications

With your consent, we may use your information to:

• Send you educational materials about Medicare
• Notify you about new benefits and programs
• Provide updates about insurance options
• Share relevant health and wellness information

3. Information Sharing and Disclosure

3.1 Third-Party Service Providers

We share your information with:

• Licensed Insurance Agents: To provide you with insurance quotes and information
• Insurance Carriers: To facilitate enrollment in Medicare plans
• Marketing Partners: To provide relevant services and products
• Technology Providers: To operate our website and services

3.2 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal obligations
• Respond to court orders or subpoenas
• Protect our rights and property
• Prevent fraud or illegal activities
• Ensure user safety

4. Data Security

We implement appropriate security measures to protect your personal information:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases
• Regular security assessments and updates
• Limited access to personal information on a need-to-know basis
• Employee training on data protection practices

5. Cookies and Tracking Technologies

5.1 Types of Cookies

We use the following types of cookies:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used for targeted advertising
• Preference Cookies: Remember your settings and preferences

5.2 Cookie Management

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality.

6. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

7. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

8. Your Rights and Choices

8.1 Access and Correction

You have the right to:

• Access your personal information we have collected
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt-out of marketing communications

8.2 Do Not Call Registry

We respect the National Do Not Call Registry. If you are on the registry and do not wish to receive telemarketing calls, please let us know when contacted.

8.3 Email Opt-Out

You can unsubscribe from our email communications at any time by:

• Clicking the unsubscribe link in our emails
• Contacting us directly at info@medicareguides.info
• Calling us at the number provided in our communications

9. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Improve our services

Typically, we retain information for 3-7 years, depending on the type of information and applicable legal requirements.

10. International Data Transfers

Your personal information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information during such transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Providing notice through our services

12. Medicare Marketing Compliance

Our privacy practices comply with:

• Health Insurance Portability and Accountability Act (HIPAA)
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act
• State privacy laws
• CMS Medicare Marketing Guidelines

13. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

14. Contact Information

15. Complaints

If you have concerns about our privacy practices, you may:

• Contact us directly using the information above
• File a complaint with the Federal Trade Commission (FTC)
• Contact your state's Attorney General's office
• File a complaint with the Department of Health and Human Services (HHS) if HIPAA-related

16. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to this Privacy Policy.

This Privacy Policy was last updated on January 2025 and is effective immediately.