Privacy Policy

Lighthouse Benefits Group LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or contact us about Medicare insurance products.

1. Information We Collect

We may collect the following categories of personal information:

• Contact Information: Name, address, phone number, email address, and ZIP code.
• Health-Related Information: Age, Medicare eligibility status, current coverage, and health-related questions you choose to share with us.
• Financial Information: General budget or income range as it relates to plan eligibility (we do not collect payment card or bank account information directly).
• Communication Data: Records of your communications with us, including phone calls, emails, and text messages.
• Usage Data: IP address, browser type, pages visited, and other technical information collected automatically when you use our website.

2. How We Use Your Information

We use the information we collect to:

• Provide Medicare insurance consultation and plan comparison services.
• Contact you about your inquiry by phone, email, or text message (with your consent).
• Send appointment reminders and follow-up communications.
• Comply with legal and regulatory requirements, including those of the Centers for Medicare & Medicaid Services (CMS).
• Improve our website and services.
• Fulfill any other purpose for which you provide information.

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Insurance Carriers: With your consent, we may share relevant information with Medicare insurance carriers in order to provide plan quotes or enroll you in coverage.
• Service Providers: We may share data with third-party vendors who assist us in operating our website or conducting our business, provided they agree to keep your information confidential.
• Legal Requirements: We may disclose your information when required by law, subpoena, or other legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Text Message (SMS) Communications

If you provide your mobile phone number and consent to receive text messages, we will use that number to send appointment reminders, informational messages, and follow-up communications related to your Medicare inquiry. Message and data rates may apply. You may opt out at any time by replying STOP to any text message. For more information, see our SMS Consent Policy.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to comply with legal obligations (including CMS record-keeping requirements for insurance agents), and to resolve disputes. In general, we retain client records for a minimum of seven (7) years.

6. Your Rights and Choices

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your personal information, subject to our legal retention obligations.
• Opt out of certain communications at any time.

To exercise any of these rights, contact us at info@lighthousebenefitsgroup.com or call 954-667-9719.

7. Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no data transmission over the internet or electronic storage system is completely secure, and we cannot guarantee absolute security.

8. Third-Party Links

Our website may contain links to third-party sites, including insurance carrier websites and Medicare.gov. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised "Last Updated" date. Your continued use of our website after any changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Lighthouse Benefits Group LLC
Email: info@lighthousebenefitsgroup.com
Phone: 954-667-9719