PRIVACY POLICY

YOUR PERSONAL INFORMATION AND PRIVACY

Our Privacy Policy explains how we collect, store, use, disclose, and manage your personal information. It also details the physical, electronic, and procedural safeguards we employ to protect it.

By providing personal information through this website or other communication channels, you acknowledge the inherent risks of online data exchange and agree not to hold us responsible for any breach of security unless we have violated a law, acted with gross negligence, or deliberately defaulted on our duties to you.

We reserve the right to disclose de-identified information about users to third parties for statistical, analytical, or business purposes.

Complaints about privacy matters are taken seriously, and our complaint handling procedure is outlined in this policy.

DEFINITIONS

Information and Records: This policy covers both electronic and physical records but excludes publicly available information and employment-related records.

Personal Information: Information that identifies you or can reasonably be used to ascertain your identity.

Sensitive Information: Includes data such as health information, financial details, Social Security numbers, medical history, or other personal identifiers.

WHAT TYPES OF PERSONAL INFORMATION DOES RETIRE WITH MEDICARE COLLECT AND HOLD?

Depending on your interaction with us, we may collect the following types of personal information:

- Your full name, gender, and date of birth

- Email address, phone number, and mailing or residential address

- Health, prescription, or medical provider information relevant to insurance services

- Financial or banking details necessary for policy transactions or annuity processing

- Social Security number and other government-issued identifiers

- Employment and income details related to insurance eligibility or retirement planning

- Information about the technology or device used to access our services

You may refuse to provide personal information, but this may limit our ability to provide you with certain products or services.

WHY DOES RETIRE WITH MEDICARE COLLECT, HOLD, USE, AND DISCLOSE PERSONAL INFORMATION?

We may collect, store, and use your personal information to:

- Provide services or information relevant to your insurance and retirement planning needs

- Process insurance applications, annuity requests, or other service transactions

- Respond to inquiries and customer service requests

- Assess eligibility for coverage or policy adjustments

- Communicate important policy updates or renewal notices

- Handle billing, claims, and compliance matters

- Meet legal, regulatory, and reporting obligations

- Offer information about related products, services, or special promotions

We may disclose your personal information to:

- Licensed insurance carriers, annuity providers, or partner financial institutions

- Third-party service providers such as payment processors, underwriters, or IT vendors

- Government agencies or authorities where required by law

- Business consultants, auditors, or legal advisors

- Prospective business partners or buyers in the event of a business transfer

Certain limited circumstances may allow us to disclose information without your consent, such as preventing imminent threats to life, health, or safety.

USE OF THIRD-PARTY SOFTWARE

Our website may use services and technologies provided by third parties. Your personal information may be collected directly by these providers, including but not limited to:

- Google Analytics (for website analytics)

- Email marketing platforms (for newsletters and updates)

- Payment processing services (for policy or annuity payments)

We encourage you to review the privacy policies of these third-party providers, as their practices are outside our control.

DIRECT MARKETING

We may use your personal information for marketing purposes where you have given consent (explicitly or implicitly). You may opt out at any time by contacting us directly or using the unsubscribe links provided in marketing communications.

CROSS-BORDER DISCLOSURE OF PERSONAL INFORMATION

Some personal information collected on our website may be stored in cloud-based systems managed by providers located outside the United States. These providers may include those offering:

- Cloud hosting and software support

- Customer relationship management systems

- Marketing or data storage services

By submitting your information, you consent to these disclosures and acknowledge that we are not responsible for the non-compliance of overseas providers with U.S. privacy laws.

HOW DOES RETIRE WITH MEDICARE HOLD AND SECURE YOUR PERSONAL INFORMATION?

We take reasonable steps to ensure the information we collect is accurate, complete, and up to date.

- Electronic data is protected by firewalls, encryption, and password-restricted access.

- Hard copy records are stored in secure facilities with restricted employee access.

Despite our efforts, no security system can guarantee absolute protection against unauthorized access or data breaches.

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION

You may request access to, or correction of, your personal information by contacting us in writing. We will respond promptly unless:

- Granting access would unreasonably impact another person’s privacy,

- The request is frivolous, unlawful, or unverifiable, or

- We are otherwise legally restricted from disclosing the information.

We reserve the right to charge reasonable administrative fees for processing access requests.

COMPLAINTS

If you have any concerns or complaints about our handling of your personal information, please contact our Privacy Officer at [email protected].

We take all complaints seriously and will investigate promptly and fairly.

MORE INFORMATION

For any further questions, contact us directly via

[email protected]