Privacy Policy

1. Information We Collect

Personal Information You Provide

When you use our website and services, you may voluntarily provide the following information:

Basic Contact Information

• Full name
• Email address
• Phone number (mobile and/or landline)
• Mailing address
• ZIP code

Medicare and Insurance Information

• Current Medicare coverage status
• Existing insurance plans
• Healthcare needs and preferences
• Prescription medications
• Health conditions (general categories)
• Healthcare providers and preferences

Demographic Information

• Age and date of birth
• Gender
• Marital status
• Income range (for subsidy eligibility)
• Household size

Information We Automatically Collect

Website Usage Data

• IP address and approximate location
• Browser type and version
• Operating system
• Pages visited and time spent on site
• Referring website
• Search terms used to find our site

Cookies and Tracking Technologies

• Session cookies for website functionality
• Analytics cookies for website improvement
• Marketing cookies for relevant content delivery
• Local storage for user preferences

2. How We Use Your Information

Primary Service Purposes

• Medicare Education: Provide personalized Medicare information and resources
• Agent Matching: Connect you with licensed insurance agents in Nevada
• Plan Comparison: Help you compare Medicare and Medigap options
• Enrollment Assistance: Facilitate communication with insurance agents and companies
• Follow-up Services: Provide ongoing support during your Medicare journey

Communications

• Send requested Medicare information and resources
• Facilitate contact between you and licensed agents
• Provide enrollment reminders and important Medicare dates
• Send educational newsletters (with your consent)
• Respond to your questions and support requests

Website Improvement

• Analyze website usage to improve user experience
• Develop new features and content
• Test website functionality and performance
• Ensure website security and prevent fraud

3. How We Share Your Information

Licensed Insurance Agents and Agencies

• Licensed insurance agents in Nevada
• Licensed insurance agencies and brokerages
• Insurance companies offering Medicare and Medigap plans
• Third-party lead management platforms used by agents

Service Providers

• Email Service Providers: For sending communications and newsletters
• Analytics Providers: Google Analytics for website performance analysis
• Hosting Providers: For website hosting and data storage
• Customer Support Tools: For providing customer service
• Security Services: For website security and fraud prevention

Legal and Compliance

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

• Comply with legal processes, subpoenas, or court orders
• Respond to government requests
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our users
• Prevent fraud or illegal activities

4. Data Security and Protection

Security Measures

• Encryption: All data transmitted to and from our website is encrypted using SSL/TLS
• Secure Storage: Personal information is stored on secure servers with restricted access
• Access Controls: Limited employee access to personal information on a need-to-know basis
• Regular Updates: Security systems are regularly updated and monitored
• Incident Response: Procedures in place for responding to potential security breaches

Data Breach Notification

In the event of a data breach that poses a risk to your personal information, we will:

• Notify affected users within 72 hours when possible
• Report the breach to relevant authorities as required by law
• Take immediate steps to secure the affected systems
• Provide guidance on protecting your information

5. Your Privacy Rights and Choices

Access and Control

• Access: Request a copy of the personal information we have about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request a copy of your information in a portable format

Communication Preferences

• Email Unsubscribe: Use unsubscribe links in emails or contact us directly
• Phone Opt-out: Request to be removed from phone contact lists
• Marketing Preferences: Choose which types of communications you receive
• Cookie Settings: Manage cookie preferences through your browser settings

TCPA Rights

Under the Telephone Consumer Protection Act (TCPA), you have the right to:

• Revoke consent for phone calls and text messages at any time
• Request removal from automated calling systems
• File complaints about unwanted calls or messages
• Know who is calling and why

6. Cookies and Tracking Technologies

Types of Cookies We Use

Essential Cookies

• Required for website functionality
• Remember your form inputs during your session
• Maintain security settings
• Cannot be disabled without affecting website functionality

Analytics Cookies

• Google Analytics for website usage analysis
• Help us understand how visitors use our website
• Measure website performance and user engagement
• Can be disabled through browser settings

Marketing Cookies

• Track visits across websites for marketing purposes
• Deliver relevant advertisements
• Measure advertising effectiveness
• Can be disabled through browser settings or opt-out tools

Managing Cookies

You can control cookies through:

• Browser Settings: Most browsers allow you to block or delete cookies
• Opt-out Tools: Industry opt-out tools for advertising cookies
• Cookie Preferences: Our cookie preference center (where available)

7. Third-Party Services and Links

Third-Party Integrations

Our website uses the following third-party services:

• Google Analytics: Website traffic and user behavior analysis
• Email Service Providers: For sending emails and newsletters
• Social Media Plugins: For sharing content on social platforms
• Payment Processors: For processing any payments (if applicable)

External Links

• Our website contains links to Medicare.gov and other government websites
• Links to insurance company websites and plan information
• Links to healthcare provider directories
• We are not responsible for the privacy practices of external websites

8. Data Retention

Retention Periods

• Active Leads: Information retained while you are actively seeking Medicare assistance
• Inactive Leads: Information may be retained for up to 3 years for potential re-engagement
• Website Analytics: Anonymized data retained for up to 26 months
• Email Communications: Records retained for up to 2 years for compliance
• Legal Requirements: Some information may be retained longer to comply with legal obligations

Deletion Procedures

• Automatic deletion of inactive data according to retention schedules
• Manual deletion upon user request (subject to legal requirements)
• Secure destruction of physical records
• Anonymization of data for statistical purposes

9. Children's Privacy

Nevada Medicare Guide is intended for adults aged 18 and older, particularly those approaching or eligible for Medicare (age 65+). We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

10. Nevada-Specific Privacy Rights

As a Nevada resident, you may have additional privacy rights under Nevada law:

• Sale of Personal Information: Right to opt out of the sale of personal information
• Data Broker Registration: Right to know if we operate as a data broker
• Website Operator Requirements: Right to certain disclosures about our privacy practices

Nevada Opt-Out Rights

Under Nevada law (NRS 603A), Nevada residents can opt out of the sale of certain personal information to data brokers. We do not sell personal information to data brokers for monetary consideration. However, sharing information with insurance agents as part of our service may be considered a "sale" under some interpretations of the law.

11. Changes to This Privacy Policy

• We may update this Privacy Policy from time to time
• Changes will be posted on this page with an updated effective date
• Material changes will be communicated via email or website notice
• Continued use of our services constitutes acceptance of the updated policy

12. California Privacy Rights (CCPA/CPRA)

If you are a California resident visiting our Nevada-focused website, you may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

CCPA Rights

• Right to Know: Information about personal information collection and use
• Right to Delete: Request deletion of personal information
• Right to Opt-Out: Opt out of the sale of personal information
• Right to Non-Discrimination: Equal treatment regardless of privacy choices

13. International Visitors

Nevada Medicare Guide is designed for U.S. residents, particularly those in Nevada. If you are visiting from outside the United States:

• Your information may be transferred to and processed in the United States
• U.S. privacy laws may differ from those in your country
• Our services are not available to non-U.S. residents
• Medicare information is specific to the U.S. healthcare system

14. Contact Us About Privacy

If you have questions about this Privacy Policy or want to exercise your privacy rights, please contact us:

Privacy Request Process

• We will respond to privacy requests within 30 days
• We may request additional information to verify your identity
• Some requests may take longer due to the complexity of the request
• We will not charge a fee for most privacy requests

15. Senior-Specific Privacy Protections

Additional Senior Protections

• No Cold Calling: We only share information with licensed agents you've requested to contact you
• Scam Prevention: We educate users about Medicare scams and how to avoid them
• Ethical Partners: We only work with licensed, reputable insurance agents and companies
• Clear Communication: All communications are in plain language, avoiding confusing jargon
• Family Involvement: We support seniors who want family members involved in their Medicare decisions

16. Privacy Policy Summary

Last Updated: January 1, 2024
Version: 1.0
This Privacy Policy is available in alternative formats upon request for accessibility purposes.