Privacy Policy & Notices at Collection

Privacy Policy

Advantage Plus Insurance Agency and Advantage Medicare Options (“Advantage Plus,” “we,” “our,” or “us”) respect and value your privacy. This Privacy Policy explains how we collect, use, share, and protect information, as well as the rights you may have regarding that information.

This Privacy Policy is incorporated into our Terms of Service and applies to information collected through our websites, forms, communications, services, programs, and other interactions with us.

1. Scope of This Policy

This Privacy Policy applies to information we collect from current, prospective, and former customers, agents, agencies, providers, carriers, business partners, and website visitors.

This includes information collected through:

• Our websites, including AdvantageMedicareOptions.com
• Online forms, applications, and enrollment requests
• Phone calls, SMS/text messages, emails, and in-person interactions
• Marketing campaigns, lead programs, and agent support programs
• Any services, tools, or pages that link to this Privacy Policy

This policy does not apply to third-party websites or services that we do not own or control.

2. HIPAA & Health Information

Because we facilitate Medicare and insurance-related services, some information may be subject to regulations such as the Health Insurance Portability and Accountability Act, commonly known as HIPAA.

When acting as a Business Associate, we may:

• Handle Protected Health Information, also known as PHI, on behalf of health plans and partners.
• Use and disclose PHI only as required to provide services or as permitted by applicable law.

This Privacy Policy does not replace privacy notices provided by health plans or other covered entities. For rights related to PHI governed by HIPAA, please refer to the applicable health plan’s privacy notice.

3. Information We Collect

We may collect the following categories of personal information, depending on how you interact with us:

Some information we collect may be considered sensitive personal information under California law or other applicable privacy laws.

4. How We Collect Information

We collect information in several ways:

Directly From You

• Website forms, quote requests, applications, and enrollments
• Phone calls, emails, SMS messages, and support requests
• In-person meetings, events, trainings, and appointments
• Agent onboarding, contracting, or job application submissions

From Third Parties

• Insurance agents, agencies, carriers, and providers
• Lead generation partners and marketing vendors
• Public databases, service providers, and business partners

Automatically

• Cookies and similar tracking technologies
• Google Analytics and other website analytics tools
• Device, browser, and website activity data

You can control cookies through your browser settings. Disabling cookies may affect certain website features.

5. SMS Communications

By opting in to receive SMS messages from Advantage Plus, you agree to receive messages related to contracting, onboarding, support, account updates, appointment reminders, general inquiries, and related service communications.

Message frequency may vary. Message and data rates may apply. You may opt out at any time by replying STOP. For help, reply HELP.

We do not sell, rent, or share SMS opt-in data or consent information with third parties for their marketing purposes.

6. How We Use Your Information

We may use your information to:

• Provide and manage insurance-related services
• Process applications, enrollments, and service requests
• Communicate with you about services, updates, and support
• Support agent onboarding, contracting, training, and marketing
• Improve our websites, platforms, tools, and user experience
• Prevent fraud, protect security, and maintain compliance
• Meet legal, regulatory, contractual, and business obligations
• Develop new services, resources, and programs

We may also use your information for marketing purposes where permitted by law.

7. Sharing of Information

We may share information with:

• Insurance agents, agencies, carriers, and providers to fulfill requests or enrollments
• Internal teams, affiliates, and business support personnel
• Service providers, vendors, technology platforms, and compliance partners
• Business partners involved in co-branded or joint programs
• Legal, regulatory, or governmental authorities when required
• Buyers, successors, or other parties involved in a business transaction

We do not sell your personal information. We also do not share SMS opt-in data with third parties for marketing purposes.

8. Your Privacy Choices

You may control certain uses of your information, including:

• Cookies: You may disable cookies through your browser settings.
• Email Marketing: You may unsubscribe using the link included in marketing emails.
• SMS Messages: You may opt out by replying STOP.
• Third-Party Advertising: You may manage preferences through available ad settings and browser controls.

Please note that you may not be able to opt out of essential service-related or compliance-related communications.

9. California Privacy Rights

If you are a California resident, you may have rights under the California Consumer Privacy Act and California Privacy Rights Act, including the right to:

• Request access to personal information we collect about you
• Request correction of inaccurate personal information
• Request deletion of personal information, subject to legal exceptions
• Request a copy of your personal information
• Opt out of certain types of data sharing, where applicable
• Limit the use of sensitive personal information, where applicable
• Be free from discrimination for exercising your privacy rights

We may verify your identity before processing privacy requests and will respond within the timelines required by applicable law.

10. Additional State Privacy Rights

Residents of Colorado, Texas, Virginia, Connecticut, Utah, and other states may have similar privacy rights depending on applicable law.

These rights may include:

• Accessing personal information
• Correcting inaccurate information
• Requesting deletion
• Obtaining a portable copy of personal information
• Opting out of targeted advertising or certain data uses
• Limiting certain uses of sensitive information

11. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information.

These safeguards may include:

• Secure servers and encryption where appropriate
• Restricted access controls
• Monitoring for unauthorized activity
• Vendor and service provider controls

No system or internet transmission is 100% secure. You use the internet and submit information at your own risk.

12. Data Retention

We retain information only as long as reasonably necessary for business, legal, regulatory, contractual, and operational purposes.

This may include retaining information to:

• Provide services
• Meet legal and regulatory requirements
• Resolve disputes
• Maintain business records
• Support fraud prevention and compliance

13. Children’s Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.

14. Changes to This Privacy Policy

We may update this Privacy Policy at any time. Updates will be posted on our website with a revised effective date. Your continued use of our website or services after changes are posted means you acknowledge the updated policy.