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, and share information, and your rights regarding that information. This Privacy Policy is incorporated into our Terms of Service.

Scope

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 and applications
• Phone calls, SMS/text messages, and in-person interactions
• Marketing campaigns and lead programs
• Any other services that link to this Privacy Policy

This policy does not apply to third-party websites or services.

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 (HIPAA).

When acting as a Business Associate, we:

• Handle Protected Health Information (PHI) on behalf of health plans and partners
• Use and disclose PHI only as required to provide services

This Privacy Policy does not apply to PHI governed under HIPAA. For those rights, refer to the applicable health plan’s privacy notice.

Information We Collect

We may collect the following categories of personal information:

• Identifiers: Name, Social Security number, driver’s license, agent license, NPN
• Contact Information: Address, email, phone number
• Demographics: Age, gender, marital status
• Insurance & Financial Info: Policies, carriers, coverage details
• Internet Activity: Website usage, browsing behavior
• Geolocation Data: Location and device data
• Audio/Visual Data: Recorded calls, video interactions
• Professional Information: Employment history, income
• Account Information: Login credentials
• Communications: Emails, texts, call logs
• Health Information: Medical history, prescriptions, coverage details
• Behavioral Insights: Preferences and usage patterns

Some of this information may be considered sensitive personal information under California law.

How We Collect Information

Directly From You

• Website forms, applications, and enrollments
• Phone calls, SMS, and emails
• In-person meetings or events
• Job applications

From Third Parties

• Agents, agencies, carriers, and providers
• Lead generation partners
• Public databases and service providers

Automatically

We collect data through:

• Cookies and analytics tools (like Google Analytics)
• Website activity tracking
• Device and browser data

You can control cookies through your browser settings.

SMS Communications

By opting in, you agree to receive SMS messages from Advantage Plus regarding:

• Contracting and onboarding
• Support and account updates
• General inquiries

You can opt out anytime by replying STOP or request help by replying HELP. Message frequency varies. Standard message and data rates may apply.

How We Use Your Information

We use your information to:

• Provide and manage insurance services
• Process enrollments and applications
• Communicate with you about services and updates
• Improve our platform, tools, and user experience
• Prevent fraud and ensure compliance
• Support agent onboarding, training, and marketing
• Meet legal and regulatory obligations
• Develop new services and programs

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

Sharing of Information

We may share your information with:

• Insurance agents, carriers, and providers (to fulfill requests or enrollments)
• Internal teams and affiliates
• Service providers and vendors (under confidentiality agreements)
• Business partners in co-branded programs
• Legal or regulatory authorities when required
• Buyers or successors in a business transaction

We do not sell your personal information and do not share SMS opt-in data with third parties.

Your Privacy Choices

You have control over your information:

• Cookies: Disable via browser settings
• Email marketing: Unsubscribe anytime
• SMS: Reply STOP to opt out
• Third-party ads: Manage through ad preferences

Note: You cannot opt out of essential service-related communications.

California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

• Request access to your personal information
• Request correction of inaccurate data
• Request deletion of your data
• Request a copy of your data
• Opt out of data sharing (if applicable)
• Limit use of sensitive personal information
• Be free from discrimination for exercising your rights

We will verify your identity before processing requests and respond within required timelines.

Additional State Rights

Residents of states like Colorado, Texas, Virginia, and others may have similar rights, including:

• Access, correction, and deletion
• Data portability
• Opt-out of targeted advertising
• Limits on sensitive data use

Data Security

We implement strong safeguards including:

• Secure servers and encryption
• Restricted access controls
• Monitoring for unauthorized activity

However, no system is 100% secure. Use of the internet is at your own risk.

Data Retention

We retain information only as long as necessary to:

• Provide services
• Meet legal requirements
• Resolve disputes
• Maintain business records

Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

Changes to This Policy

We may update this Privacy Policy at any time. Updates will be posted on our website with a revised effective date. Continued use of our services means acceptance of those changes.

Contact Us

If you have questions or want to exercise your rights, contact:

Advantage Plus Insurance Agency / Advantage Medicare Options

21740 Devonshire Street

Chatsworth, CA, 91311

(800) 316-2995

Info@AdvantagePlusins.com