Privacy Policy

At DP Insurance Advisors (“we,” or “us”), we know You are concerned about Your privacy, so we developed this Privacy Policy to explain how we collect, use, and disclose your personal information.

Introduction

At DP Insurance Advisors, we understand that the process of selecting a Medicare Plan for an individual beneficiary or his/her family member is a very personal one. Our goal at DP Insurance Advisors is to protect your privacy while ensuring that you are offered useful and comprehensive information to help you make an informed decision. At DP Insurance Advisors, we also understand that relationships are built on trust and reputation. DP Insurance Advisors wants to make sure that DP Insurance Advisors clearly discloses to you the kind of information our DP Insurance Advisors may collect and what DP Insurance Advisors does with that information.

What personal data do we collect and why we collect it?

Personally Identifiable Information. The DP Insurance Advisors website (the “Site”) collects two kinds of information that relate to you. The first, and most important to you, is information that is personally identifiable to you. This is information like your name, mobile device and telephone number, email address, and home address. We do not collect personally identifiable information (“Personal Information”) unless you decide to provide us with it. To be clear, you are never required to provide us with Personal Information but not all of the services we offer will be available to you without that information. For example, we will ask for your contact information if you have requested us to send you information about certain plans or services. Personal Information also includes information on your health. However, we do NOT ask for and do NOT collect Medical Records from you. Those records remain between you and your doctor.

If at any time you would like to review or update the Personal Information we have collected about you, please contact us and we will arrange for you to do so. While you work with us, you remain in control of all of your personal information at all times. Aggregated Information. As is true of most websites, DP Insurance Advisors also collects anonymous technical and statistical information when you visit our Site. This type of information may include items such as your IP (Internet Protocol) address, Internet service provider, operating system, type of browser, and the pages or sections you visit on the Site (“Non-Personal Information”). This type of Non-Personal Information is collected in various ways, but the primary methods we use are (i) cookies, which are little pieces of code that allow us to recognize you when you visit our Site, (ii) web beacons (or gifs) which allow us to see how you use our Site, and to know whether you have visited a web page or received or opened an email message, and (iii) standard Internet tracking tools to collect information like service provider IP addresses, browser versions, referring websites, search terms used, the average number of pages requested, the average duration of visit, and/or total visitor traffic. Most Non-Personal Information is stored in what are often referred to as log files.

Disclaimers

DP Insurance Advisors and its partners, affiliates, agents and/or any third-party partners and/or entities. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.”

Any personal information provided by you on DP Insurance Advisors as a result of your activities on DP Insurance Advisors including clicking the “SPEAK WITH AN ADVISOR”, “Learn More”, pressing or sliding the submit button you consent to receive emails, telephone calls, text messages, artificial or pre-recorded messages from DP Insurance Advisors and its partners, affiliates, agents and/or any third-party partners and/or entities (or their service provider partners on their behalf, and will ultimately be provided to a licensed agent for future contact.

DP Insurance Advisors and its partners, affiliates, agents and/or any third-party partners are NOT connected with or endorsed by the United States Government, Social Security, CMS, Health Insurance Marketplace, State Government, Local Government, SHIP, PACE, Veterans Administration, Medicaid, or Medicare.

This is a solicitation for insurance and you may be contacted by a licensed insurance agent from your State of legal residence regarding their products and services (Including Medicare Advantage plans, Medicare Part D Prescription Drug Plans or Medicare Supplement Insurance Plans) at your email address and telephone number provided, including you wireless phone number (if provided). DP Insurance Advisors and its affiliates, and/or any third-party partners utilizes an automated telephone dialing system and you understand that you are not required to grant this consent as a condition of purchasing and property, goods or services from the foregoing entities. You also agree to this websites Privacy Policy and Terms of Use

DP Insurance Advisors is owned and operated by Independent Agents/Brokers, and is a privately-owned non-governmental website. This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Plans, Medicare Advantage, and Prescription Drug Plans, and submission of your contact information constitutes permission for a licensed sales agent to contact you with further information, including complete details on cost and coverage of this insurance.

This site is NOT a part of the Medicare.gov or CMS.gov website nor Facebook.com or Any Government Entity. Additionally, this site is NOT endorsed by Medicare.gov or CMS.gov, or Any Government Entity in any way. DP Insurance Advisors is a group of independent insurance agents that connects individuals with insurance providers. Products and services are provided exclusively by Medicare providers. Descriptions are for informational purposes only and subject to change. Medicare Insurance Plans may not be available in all counties.

Communication Authorization

By submitting your phone number, email, and mailing address, you are giving DP Insurance Advisors and its associates permission to communicate with you by phone, text message, SMS, or email, even if you are not on a (do not call list).

Electronic Signature and Communication Authorization

You are consenting to this Electronic Signature and Communication Authorization (“Authorization”) and to receive by electronic means only Communications. You further agree that any action taken by you to manifest consent to this Authorization is the legal equivalent of your physical signature on this Authorization. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic Communications, and that you have an active email account. You understand that Communications may not be available in any paper or non-electronic form, so if you would like to retain a copy of Communications, you may print or download these Communications. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

The words “we,” “us,” and “our” means, individually and collectively, DP Insurance Advisors, its agents, affiliates, representatives, service providers, assignees and successors, and any Health Insurance Partner or Medicare Plans Providers and Institutions we partner with to provide you with services, and the words “you” and “your” means you, the individual(s) on whose behalf you may be acting (if any), who has requested services from us or otherwise accesses or uses our services, which includes any service, insurance, and Medicare Insurance product we offer or will offer. “Communication” means each application, agreement, disclosure, notice, the scope of appointment, permission to contact, response to claims, statement, privacy policy, record, document, and other information or communications we provide to you, or that you sign or submit or agree to at our request, including, but not limited to, any authorization, agreement, disclosure, a notice of our decision on your application, or other information or communication related to our services.

Cookies and Trackers

Most web browsers are set to accept cookies by default and Facebook Pixels. If you prefer, you can usually choose to set your browser to remove or reject browser cookies and pixels, although some Services may not function properly if you disable cookies. If you do not want to receive tracking pixels, you will need to disable HTML images in your email client, but that may affect your ability to view images in other emails that you receive. Please see the Adobe website for comprehensive information on how to delete or disable local shared objects known as Flash cookies. Also, this site uses Google Analytics. To opt out of Google Analytics please visit https://www.google.com/settings/ads.

If you leave a comment on our site you may opt-in to saving your name, email address, and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year or longer. If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser. When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist. If you log out of your account, the login cookies will be removed. If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited.

Your Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. After approval of your comment, your profile picture is visible to the public in the context of your comment. Visitor comments may be checked through an automated spam detection service.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Third-Party Links and Websites

DP Insurance Advisors may contain links to other third-party owned and/or operated websites. DP Insurance Advisors is not responsible for the privacy practices or the content of such third-party websites. In some cases, you may be able to make a purchase through one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such a website. These third-party websites have separate privacy and data collection practices and we have no responsibility or liability relating to such policies or practices.

How long do we retain your data?

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. For users that register on our website (if any), we also store the personal information they provide in their user profiles. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights do you have over your data?

If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

HIPAA Notice of Privacy Practices:

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule allows individuals who provide health information to covered entities or their business associates the right to receive a notice that describes how their health information may be used and/or disclosed and how to acquire access to this information. Neither DP Insurance Advisors nor any associated company will ask for or accept medical records from you. However, you may provide certain health care information about yourself to us or to Insurance Companies in order for us to assist you in applying for insurance coverage. But we only use your health care information for that purpose and for no other purpose whatsoever. Nor do we ever provide your health care information to third parties, except for the health insurance providers (or their agents) to whom you are submitting your application.

The Scope of Communications to Be Provided in Electronic Form

You agree that we may provide you with communications relating to our services in electronic format, unless and until you withdraw your consent as described below. All electronic communications shall be considered “in writing” and have the same meaning and effect as if provided in paper form. Your consent to transact with us electronically, including, but not limited to, entering into service terms and/or any and all agreements by and between you and us that relate to our services, as well as any amendments to those terms and agreements.

Method of Providing Communications to You in Electronic Form

All Communications that we provide in electronic form will be provided either

• by e-mail, Mobile device, Messenger, Social Chats

• by access to a website designated in an email notice from us,

• through any mobile application (including push notifications) we may make available,

• to the extent permitted by law, by access to a website, or

• in the manner specified in any other agreement we or our affiliates have with you.

How to Withdraw Consent

You may withdraw your consent to receive Communications in electronic form by contacting us. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, if you withdraw your consent, may terminate your access to any of our services. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Do Not Call Policy

If you do not want to receive sales calls from DP Insurance Advisors or its related entities, you can ask us to place your telephone number on our “Do Not Call” list. In compliance with federal and state laws, we will document your request quickly (typically within 5-7 days).

Please allow up to 30 days for your telephone number to be removed from any sales programs and marketing campaigns that are currently underway. Your request can be in writing, or by e-mail, (see below for contact information).

If you have multiple telephone numbers, tell us all numbers that you want to be included on the list.

DP Insurance Advisors will maintain the telephone number and, if provided, the name on “Do Not Call” list for five (5) years, unless a request is made by the person to have the number removed.

If your telephone number ever changes, you must give us your new information for your “do not call” status to remain in effect. When we solicit prospective customers, we also honor “do not call” requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state-agency lists. Many state “Do Not Call” regulations permit companies to contact their own customers even though they are on these “Do Not Call” lists. Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national “do not call” list. If you do not want to be contacted by Company even though you are a customer, simply follow the steps above to be placed on the Company “Do Not Call” list and your request will be honored. Being on the DP Insurance Advisors “Do Not Call” list means that you will not receive sales calls by anybody representing from DP Insurance Advisors.

All insurance agents that engage in outbound telephone solicitation are trained in this policy and are made aware of these procedures. Management will review the policy with these agents on a regular basis. The methods and procedures in this “Do Not Call” policy are reviewed by DP Insurance Advisors on a biannual basis. If a consumer requests a copy of our “Do Not Call” policy, we will send a copy of this policy via U.S. mail or electronic mail. The “Do Not Call” policy is also posted on the DP Insurance Advisors websites.

DP Insurance Advisors respects the wishes of those customers and prospective customers who do not want to receive telephone solicitation calls from the DP Insurance Advisors. It is the policy of the Company not to make a telephone solicitation call to any of the following:

any person who has requested that the DP Insurance Advisors not make such calls to the person’s residence; or

any person who has put his or her telephone number on a federal or state Do Not Call registry, except as otherwise permitted by law.

A “telephone solicitation call” means any call that is made for the purpose of encouraging the purchase of products and services from the DP Insurance Advisors.

Anyone may be placed on the DP Insurance Advisors’ Do Not Call List (see below for contact information).

The request must provide the 10-digit telephone number that is not to be called and, if desired, the person’s name.

If a person’s telephone number changes, another request must be submitted to have the new number added to the DP Insurance Advisors’ Do Not Call list.

How to Update Your Records

It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to your use of our services and to maintain and update promptly any changes in this information. You can update such information (such as your e-mail address) by contacting us.

Hardware and Software Requirements

In order to receive Communications that we make available, you must have the following hardware and software: (

• a computer or mobile device with Internet or mobile connectivity and an operating system,

• a valid email address,

• sufficient storage space to save Communications and the capability to print the Communications from your computer or mobile device,

• a current version of a program that accurately reads and displays Portable Document Format or “PDF” files, such as Adobe® Acrobat Reader® version 8.0 and above, and

• an Internet browser that supports HTML 4.0, SSL encryption, and JavaScript (e.g., the latest version of Internet Explorer, Firefox, Chrome or Safari)

Privacy Statement and Changes

This Privacy Policy is effective as of the date set forth below. DP Insurance Advisors reserve the right to make changes to the Privacy Policy on any occasion. We recommend that you frequently review the Privacy Policy for any changes or additions. Any changes or updates made to the Privacy Policy will be performed here. This document describes DP Insurance Advisors’ current Privacy Policy. It is not a contract, however, and is not intended to and does not create any contractual or other legal rights in or on behalf of you or any other party.

Legal information

Notice to European Users: this privacy statement has been prepared in fulfillment of the obligations under Art. 10 of EC Directive n. 95/46/EC, and under the provisions of Directive 2002/58/EC, as revised by Directive 2009/136/EC, on the subject of Cookies.