Privacy Policy

1. Information We Collect

We may collect the following types of information:

Personal Information You Provide

When you contact us, request a consultation, register for a webinar, or submit a form on our website, we may collect:

• Full name
• Email address
• Phone number
• Mailing address
• Date of birth
• Medicare information (Part A/B enrollment dates, current plan details)
• Current medications and prescription information (only when provided for plan comparison)
• Preferred healthcare providers
• Any other information you voluntarily provide to us

Automatically Collected Information

When you visit our website, we automatically collect certain information including:

• IP address and general geographic location
• Browser type and version
• Pages visited and time spent on each page
• Referring website or search engine query
• Device type (desktop, tablet, mobile)

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience on our website. We use Google Analytics to understand how visitors use our site and Microsoft Clarity to analyze user behavior through session recordings and heatmaps. You can control cookie settings through your browser, though disabling cookies may affect certain site functionality.

2. How We Use Your Information

We use the information we collect to:

• Provide personalized Medicare plan comparisons and insurance guidance
• Schedule and conduct free consultations, including in-home visits
• Send webinar registration confirmations and educational materials
• Follow up on your Medicare or insurance inquiries
• Conduct annual plan reviews and keep you informed of plan changes
• Comply with legal and regulatory requirements as a licensed insurance agency in New Jersey
• Improve our website content and user experience
• Send you relevant information about Medicare, insurance, and senior health topics (you may opt out at any time)

3. How We Share Your Information

We take your privacy seriously. We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

• Insurance Carriers: When you choose to enroll in a plan, we share your enrollment information with the applicable insurance carrier as required to complete your application.
• Service Providers: We may share information with trusted third-party vendors who assist us in operating our website, scheduling systems, or conducting our business — all of whom are contractually bound to keep your information confidential.
• Legal Requirements: We may disclose your information if required to do so by law, court order, or government regulation, or to protect the rights, property, or safety of our company, clients, or others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.

4. Health Information

As a licensed insurance agency, we handle sensitive health and prescription information that you voluntarily share with us to obtain plan recommendations. We treat this information with the highest level of confidentiality. We do not use your health information for any purpose other than providing you with personalized insurance guidance and completing enrollment applications on your behalf. We maintain appropriate administrative, physical, and technical safeguards to protect your health information.

5. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security. We encourage you to avoid sending sensitive personal information such as Social Security numbers via email or unsecured web forms.

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may ask us to correct any inaccurate or incomplete information.
• Deletion: You may request that we delete your personal information, subject to certain legal and regulatory record-keeping requirements.
• Opt-Out of Communications: You may opt out of receiving marketing emails from us at any time by clicking the "unsubscribe" link in any email or contacting us directly.
• Do Not Track: Some browsers offer a "Do Not Track" feature. Our website does not currently respond to Do Not Track signals.

To exercise any of these rights, please contact us at info@seniorhealthstop.com.

7. Children's Privacy

Our website and services are directed exclusively at adults aged 65 and older who are eligible for Medicare. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected information from a minor, we will promptly delete it.

8. Third-Party Websites

Our website may contain links to third-party websites, such as Medicare.gov, insurance carrier websites, and social media platforms. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit.

9. New Jersey Privacy Rights

As a New Jersey-based business, we comply with applicable New Jersey privacy laws, including the New Jersey Data Privacy Act (NJDPA) where applicable. New Jersey residents have the right to know what personal information we collect and how it is used. If you are a New Jersey resident and wish to exercise your privacy rights, please contact us using the information below.

10. California Privacy Rights (CCPA)

If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA), including the right to request access to your data, the right to request deletion, and the right to opt out of the sale of your personal information. As stated above, we do not sell your personal information. To exercise your CCPA rights, please contact us at info@seniorhealthstop.com.

11. Retention of Information

We retain your personal information for as long as necessary to provide our services, comply with legal obligations (including insurance regulatory requirements in New Jersey), resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the updated policy on this page with a revised "Last Updated" date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us: