Privacy Policy

Privacy Policy & Legal Notice

Effective Date: May 11, 2026
Last Updated: May 11, 2026

Introduction

At LegacyWell Insurance and its affiliated agencies, we value your privacy and are committed to protecting the confidentiality and security of your personal information. This Privacy Policy and Legal Notice explains how we collect, use, store, disclose, and safeguard your information when you interact with our agency, website, agents, representatives, seminars, educational events, enrollment platforms, and related services.

We strive to comply with all applicable federal and state privacy laws and regulations, including but not limited to:

The Health Insurance Portability and Accountability Act (HIPAA)

The Centers for Medicare & Medicaid Services (CMS) marketing guidelines

Federal Trade Commission (FTC) regulations

Applicable state insurance and privacy laws

By using our services, submitting your information, attending events, communicating with our team, or accessing our website, you acknowledge and agree to the terms outlined in this Privacy Policy and Legal Notice.

1. Information We Collect

We may collect personal, financial, health-related, and technical information necessary to provide Medicare, health insurance, life insurance, annuity, and related services.

A. Personal Information

This may include:

Full name

Address

Email address

Telephone number

Date of birth

Social Security Number

Medicare Beneficiary Identifier (MBI)

Driver’s license or government-issued identification

Marital status

Emergency contact information

B. Insurance & Health Information

When permitted by law and necessary for enrollment or plan servicing, we may collect:

Medicare and Medicaid eligibility information

Insurance policy information

Prescription drug information

Physician and provider information

Medical conditions and healthcare needs

Treatment history relevant to insurance eligibility

Financial assistance eligibility information (such as LIS, MSP, PAAD, or PACE)

C. Financial Information

Depending on the products or services requested, we may collect:

Banking information

Payment information

Income verification documents

Premium payment details

D. Technical & Website Information

When you visit our website or interact with online forms, we may automatically collect:

IP address

Browser type

Device information

Website activity

Cookies and tracking technologies

Referral source information

2. How We Use Your Information

We use your information to provide services, communicate with you, and comply with legal obligations.

Examples include:

A. Insurance Services

Assisting with Medicare, ACA, life insurance, annuity, and supplemental insurance enrollments

Reviewing plan options and eligibility

Conducting needs assessments

Servicing existing policies

B. Communication

We may contact you regarding:

Appointment reminders

Enrollment updates

Policy changes

Annual reviews

Compliance notices

Educational events and seminars

Customer support requests

Communication methods may include:

Phone calls

Text messages (SMS)

Email

Voicemail

Postal mail

C. Legal & Compliance Purposes

We may use your information to:

Verify identity

Prevent fraud

Maintain compliance records

Respond to regulatory requests

Fulfill CMS and carrier requirements

Meet legal reporting obligations

D. Business Operations

We may use information internally to:

Improve our services

Train staff

Conduct quality assurance

Maintain records

Improve website functionality and user experience

3. Consent to Contact

By submitting your contact information through our website, online forms, advertisements, social media, event registrations, seminar sign-ins, or other communication methods, you consent to receive communications from our agency and licensed representatives.

These communications may include:

Calls

Text messages

Emails

Automated or prerecorded reminders where permitted by law

Message and data rates may apply.

You may opt out at any time by:

Replying STOP to text messages

Clicking unsubscribe in emails

Contacting our office directly

Your consent to receive communications is not a condition of enrollment or purchase.

4. HIPAA & Confidentiality

We maintain reasonable administrative, technical, and physical safeguards to protect protected health information (PHI) and personally identifiable information (PII).

Access to sensitive information is limited to authorized employees, contractors, agents, and service providers who require access to perform business functions.

We implement safeguards including:

Secure document storage

Password-protected systems

Encryption where appropriate

Access restrictions

Staff privacy training

Secure third-party platforms

While we take reasonable precautions to protect your information, no system can guarantee complete security.

5. Sharing & Disclosure of Information

We do not sell your personal information.

We may share information only when necessary for legitimate business, legal, or insurance-related purposes.

A. Insurance Carriers & Partners

We may share information with:

Medicare Advantage organizations

Prescription drug plan sponsors

Insurance carriers

General agencies or FMOs

Licensed agents assisting with your coverage

B. Service Providers

We may use third-party vendors to assist with:

Technology services

CRM systems

Scheduling systems

Email and communication platforms

Compliance systems

Secure document processing

These providers are expected to maintain confidentiality and appropriate safeguards.

C. Legal Requirements

We may disclose information when required by:

Law

Court order

Government agency request

CMS regulations

Fraud investigations

Regulatory audits

D. Business Transfers

If our business undergoes a merger, acquisition, sale, or restructuring, your information may be transferred as part of that transaction.

6. Cookies & Website Tracking

Our website may use cookies and analytics tools to:

Improve website performance

Understand visitor behavior

Customize content

Measure advertising effectiveness

You may disable cookies through your browser settings, although some website features may not function properly.

Third-party services such as Google Analytics or advertising platforms may collect limited usage information according to their own privacy policies.

7. Third-Party Links

Our website, emails, or educational materials may contain links to third-party websites.

We are not responsible for the privacy practices, content, or security of external websites or services.

Users should review the privacy policies of any third-party websites they visit.

8. Your Privacy Rights

Depending on applicable laws, you may have the right to:

Access your personal information

Request corrections to inaccurate information

Request deletion of certain information

Request restrictions on communications

Withdraw consent where applicable

Obtain a copy of certain information we maintain

To exercise these rights, contact our office using the information listed below.

We may require identity verification before processing requests.

9. Retention of Information

We retain records and information for as long as necessary to:

Provide services

Maintain business records

Meet insurance carrier requirements

Satisfy legal and regulatory obligations

Resolve disputes

Enforce agreements

Retention periods may vary depending on applicable laws and carrier requirements.

10. No Legal or Medical Advice

Information provided by our agency, website, seminars, marketing materials, social media pages, and representatives is for educational and informational purposes only.

We do not provide:

Legal advice

Tax advice

Financial investment advice

Medical diagnosis or treatment recommendations

Consumers should consult qualified professionals regarding legal, tax, financial, or medical matters.

11. Medicare Disclaimer

We are a licensed insurance agency and are not affiliated with or endorsed by the United States government, Medicare, or the Centers for Medicare & Medicaid Services (CMS).

Availability of plans varies by carrier, county, and eligibility.

Benefits, premiums, formularies, provider networks, and plan availability may change annually.

Enrollment in a plan depends on contract renewal and eligibility requirements.

12. Educational Events & Seminars

Attendance at educational events or seminars does not obligate any individual to enroll in a plan.

Educational events are intended to provide general Medicare and insurance education.

For sales events where plan-specific benefits are discussed, applicable CMS marketing guidelines will be followed.

13. Electronic Communications Disclaimer

Email and electronic communications may not always be secure.

By communicating electronically with our agency, you acknowledge the inherent security risks associated with electronic transmission of information.

Please avoid sending highly sensitive information through unsecured email whenever possible.

14. SMS/Text Messaging Terms

By opting into SMS communications, you agree to receive recurring messages related to:

Appointments

Enrollment updates

Policy servicing

Customer support

Educational reminders

Message frequency may vary.

Message and data rates may apply.

Reply STOP to cancel or HELP for assistance.

Consent is not required to purchase insurance or enroll in a plan.

15. Children’s Privacy

Our services are intended for adults.

We do not knowingly collect personal information from children under the age of 13.

16. Limitation of Liability

To the fullest extent permitted by law, LegacyWell Insurance and its affiliated representatives shall not be liable for:

Temporary website interruptions

Technical issues

Third-party service failures

Delays in carrier processing

Inaccuracies caused by information provided by third parties

Indirect or consequential damages related to website or service usage

Users are responsible for reviewing plan materials, Evidence of Coverage documents, and carrier communications.

17. Changes to This Policy

We reserve the right to modify or update this Privacy Policy and Legal Notice at any time.

Updated versions will be posted on our website with a revised effective date.

Continued use of our services after updates constitutes acceptance of the revised policy.

18. Contact Information

If you have questions regarding this Privacy Policy or Legal Notice, please contact:

LegacyWell Insurance
Email: Kervens@legacywellinsurance.com
Website: 

19. Acknowledgment

By using our services, website, forms, enrollment tools, or communication systems, you acknowledge that you have read and understood this Privacy Policy and Legal Notice and agree to its terms.