Privacy Policy

Published: February 14, 2026

1. Introduction

Medicare Tips LLC ("Medicare Tips," "we," "us," or "our") operates the website medicaretips.org (the "Site") to publish educational materials to help seniors and their adult children fully understand Medicare coverage options, how to maximize Medicare benefits, and how to avoid high out of pocket costs. We can connect you with licensed brokers and insurance companies that service your area. When you request to be connected with a broker or carrier, we may share the information you provide with licensed insurance agents, agencies, and Medicare plan carriers ("Partners") who may contact you about Medicare plans, Medicare Supplement (Medigap) plans, Medicare Advantage plans, Prescription Drug Plans, and related insurance products.

This Privacy Policy ("Policy") describes how we collect, use, disclose, and protect your personal information. It applies to information collected through our Site, email, telephone, online chat, and any other interactions with us (collectively, the "Services").

This Policy does not apply to: information about our employees, contractors, or job applicants; information collected in business-to-business transactions; or protected health information ("PHI") subject to the Health Insurance Portability and Accountability Act ("HIPAA") that we may handle on behalf of Medicare plan carrier partners.

2. Information We Collect

We limit the personal information we collect to what is reasonably necessary to provide our Services. The categories of personal information we collect include:

A. Information You Provide Directly

• Identifiers: Full name, telephone number, email address, zip code, and date of birth.
• Communication preferences: Your opt-in or opt-out choices for email updates and SMS/text message updates.
• Correspondence: Any messages, inquiries, or feedback you send to us.

B. Information Collected Automatically

• Device and browser information: IP address, browser type and version, operating system, device type, and unique device identifiers.
• Usage information: Pages viewed, links clicked, referring URL, date and time of visits, and interactions with our Site.
• Approximate geolocation: Derived from your IP address (city or regional level only).

C. Information from Third Parties

We may receive information about you from data brokers, marketing partners, referral partners, advertising networks, and publicly available sources. We may combine this information with information we collect directly from you.

3. How We Use Your Personal Information

We use your personal information for the following purposes:

• Connecting you with Partners: To match you with licensed insurance agents and carriers in your area so they may contact you about Medicare-related insurance products you have expressed interest in.
• Communications: To send you email updates and/or SMS/text messages if you have opted in, and to respond to your inquiries.
• Site operations and improvement: To operate, maintain, and improve our Site and Services; to analyze usage trends; and to ensure the technical functioning of the Site.
• Security and fraud prevention: To detect, prevent, and respond to fraud, security incidents, and other malicious or illegal activity.
• Legal compliance: To comply with applicable laws, regulations, legal processes, and government requests.
• Marketing and advertising: To deliver targeted advertising, measure the effectiveness of our marketing campaigns, and communicate promotional offers (subject to your consent where required).
• De-identified or aggregated data: We may de-identify, anonymize, or aggregate personal information and use it for any lawful purpose.

4. Sharing Your Personal Information With Partners

As part of connecting you with licensed insurance professionals, we may disclose your personal information to our Partners. This may constitute a "sale" or "sharing" of personal information under certain state privacy laws (see Section 12 below). Specifically:

• When you submit your information through our Site, your name, phone number, email address, zip code, and date of birth may be provided to one or more licensed insurance agents, agencies, or Medicare plan carriers who may be able to assist you.
• Partners may contact you by telephone (including autodialed and prerecorded calls), email, or text message to discuss Medicare plans and related insurance products.
• We may also share your information with advertising networks and analytics providers in ways that may constitute a "sale" or "sharing" under certain state privacy laws.

Your information may be shared with multiple Partners. You may receive contact from more than one insurance professional or company after submitting your information.

Once your information has been provided to a Partner, that Partner's own privacy policy governs their use of your information. We are not responsible for the privacy practices of Partners or other third parties.

5. Other Disclosures of Your Personal Information

In addition to our Partners, we may disclose your personal information to:

• Affiliates and subsidiaries: Companies within the Medicare Tips LLC corporate family.
• Service providers: Third parties that provide web hosting, IT, analytics, email delivery, customer support, and other operational services on our behalf.
• Advertising and marketing partners: Ad networks, social media platforms, and marketing technology providers that assist with targeted advertising and campaign measurement.
• Legal and safety purposes: Law enforcement, regulators, courts, or other parties when required by law, subpoena, or court order, or to protect our rights, safety, property, or the public.
• Corporate transactions: In connection with a merger, acquisition, reorganization, bankruptcy, or sale of all or part of our business.
• With your consent: To any other party when you have directed or consented to such disclosure.

SMS/text message opt-in data and consent: We do not sell, share, or disclose your SMS/text message opt-in consent status or the phone number associated with such opt-in to any third party for purposes unrelated to delivering the messages you have consented to receive, except as required by law.

6. Consent, Opt-In, and Opt-Out

A. Email and SMS Opt-In

Our Site offers separate, optional opt-in checkboxes for email updates and SMS/text message updates. By checking the relevant box, you provide your prior express written consent to receive those communications. The following disclaimer is displayed at the point of opt-in:

"By checking the relevant box above, you agree to receive text messages and/or email updates from us and our partners. Message and data rates may apply. Messaging frequency varies. To opt out, reply STOP to any text message or click the unsubscribe link in email updates."

Consent checkboxes on our site are always presented unchecked by default. Email and SMS consent are provided through separate checkboxes, and you may choose to opt in to one, both, or neither.

B. How to Opt Out

• SMS/Text messages: Reply STOP to any text message you receive from us. We will process your opt-out request within 10 business days in accordance with FCC requirements.
• Email: Click the "Unsubscribe" link at the bottom of any marketing email. We will process your request within 10 business days.
• Phone calls: Tell the caller you wish to be placed on our internal Do-Not-Call list, or contact us using the form on the Contact Page. You may also register your number with the National Do-Not-Call Registry at donotcall.gov.

Please note: Opting out of marketing communications does not affect transactional or service-related messages (such as responses to your inquiries). After your information has been shared with a Partner, you must contact that party separately to opt out of their communications.

C. TCPA Disclosure

By submitting your phone number and checking the SMS opt-in box on our Site, you provide your prior express written consent, as defined under the Telephone Consumer Protection Act (47 U.S.C. § 227) and FCC regulations, to receive autodialed and/or prerecorded telemarketing calls and text messages from Medicare Tips and its partners at the telephone number you provided. Consent is not required to use our educational resources or to be connected with a licensed insurance agent. You may revoke consent at any time by any reasonable means, including replying STOP to any text or submit a request using the Contact Page.

When you provide your telephone number to us, you represent that you are the current subscriber or customary user of that number and are authorized to provide consent for calls and texts to that number. You understand that your telephone number may have been previously assigned to another person, and you agree that any consent provided applies only to your current use of that number.

7. Cookies and Tracking Technologies

We and authorized third parties use cookies, pixels, web beacons, scripts, and similar tracking technologies on our Site to collect information about your browsing behavior and to deliver, measure, and improve advertising.

A. Types of Cookies We Use

• Essential cookies: Required for basic Site functionality (e.g., session management).
• Analytics cookies: Help us understand how visitors use our Site (e.g., Google Analytics). To learn how Google uses your data, visit google.com/policies/privacy/partners.
• Advertising cookies: Used to deliver relevant advertisements and measure campaign performance. These may be set by third-party advertising networks.

B. Your Choices

• You can manage or delete cookies through your browser settings.
• You may opt out of interest-based advertising through the Digital Advertising Alliance or the Network Advertising Initiative.
• Global Privacy Control (GPC): We recognize and honor Global Privacy Control signals as valid opt-out-of-sale/sharing requests where required by applicable state law (including California, Colorado, Connecticut, Delaware, Maryland, Minnesota, Montana, New Hampshire, New Jersey, Oregon, and Texas).

Some browsers send "Do Not Track" (DNT) signals. We treat GPC signals as legally operative opt-out requests where required. Where a state law does not mandate DNT recognition, we may not respond to DNT signals separately from GPC.

8. Data Retention

We retain your personal information only as long as reasonably necessary for the purposes described in this Policy, including:

We may retain information longer if required by law, regulation, or legal proceeding, or to resolve disputes and enforce agreements.

9. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption of data in transit (TLS/SSL), access controls, and regular security assessments. However, no system is completely secure, and we cannot guarantee the absolute security of your information.

10. Children's Privacy

Our Services are intended for individuals aged 18 and older. We do not knowingly collect personal information from anyone under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately using the form on the Contact Page and we will promptly delete it. We do not sell or share the personal information of individuals we know to be under 18 years of age.

11. External Links

Our Site may contain links to third-party websites, including Partner websites, insurance carrier sites, and advertising partners. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any third-party site before providing your information.

12. Your State Privacy Rights

Depending on where you reside, you may have additional rights under state consumer privacy laws. This section describes rights available to residents of states with comprehensive privacy laws currently in effect, including but not limited to: California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia.

A. Your Rights

Subject to applicable law, verification requirements, and legal exceptions, you may have the right to:

• Right to Know / Access: Request the categories and specific pieces of personal information we have collected about you, the sources of that information, the purposes for which it is used, and the categories of third parties with whom we share it.
• Right to Delete: Request that we delete personal information we have collected from you, subject to certain legal exceptions.
• Right to Correct: Request that we correct inaccurate personal information we maintain about you.
• Right to Opt Out of Sale / Sharing: Direct us to stop selling your personal information or sharing it for cross-context behavioral advertising. See "How to Exercise Your Rights" below.
• Right to Opt Out of Targeted Advertising: Opt out of the processing of your personal information for purposes of targeted advertising.
• Right to Opt Out of Profiling: Where applicable (e.g., Minnesota, Colorado, Connecticut), opt out of profiling that produces legal or similarly significant effects.
• Right to Limit Use of Sensitive Personal Information: Where applicable (e.g., California), direct us to limit the use and disclosure of sensitive personal information to purposes necessary to provide our Services.
• Right to Data Portability: Obtain a copy of your personal information in a portable, readily usable format.
• Right to Appeal: If we deny your request, you may appeal our decision. We will provide instructions for doing so in our response.

B. How to Exercise Your Rights

You or your authorized agent may submit a request by:

• Submitting a request through the form on the Contact Page
• Using a Universal Opt-Out Mechanism such as Global Privacy Control (for opt-out of sale/sharing)

We will verify your identity before processing a request. You may be asked to provide your name, email address, zip code, and/or date of birth to confirm your identity. We do not charge a fee for processing your request. We will respond within 45 calendar days (or 90 days if an extension is necessary, in which case we will notify you).

C. Authorized Agents

You may designate an authorized agent to submit requests on your behalf. We may require the agent to provide a signed written authorization from you, and we may verify your identity directly. Authorized agents may contact us using the form on the Contact Page.

D. Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights. We will not deny you goods or services, charge you different prices, or provide a different quality of service because you exercised a privacy right.

13. Additional Disclosures for California Residents

This section provides additional information required under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA).

A. Categories of Personal Information Collected, Sold, and Shared

B. Sensitive Personal Information

We do not collect sensitive personal information as defined under the CCPA/CPRA (such as Social Security numbers, financial account credentials, precise geolocation, racial or ethnic origin, health information, or biometric data).

C. Right to Opt Out of Sale/Sharing

You have the right to opt out of the sale of your personal information and the sharing of your personal information for cross-context behavioral advertising. To exercise this right, you may:

• Click our "Do Not Sell or Share My Personal Information" link on our Site
• Enable Global Privacy Control (GPC) in your browser
• Submit a request using the form on the Contact Page

D. California "Shine the Light"

Under California Civil Code § 1798.83, California residents may request information about personal information we disclosed to third parties for their direct marketing purposes. To make such a request, please use the form on the Contact Page.

E. Financial Information Exemption

Personal information subject to the Gramm-Leach-Bliley Act ("GLBA"), the California Financial Information Privacy Act ("CalFIPA"), or the Fair Credit Reporting Act ("FCRA") is exempt from the CCPA/CPRA. To the extent any information we process falls under these laws, this section does not apply to that information.

14. Additional State-Specific Notices

Colorado, Connecticut, Oregon, Montana, Delaware, New Hampshire, New Jersey, Minnesota, Maryland

Residents of these states have the rights described in Section 12 above. Additional notes:

• Universal Opt-Out Mechanism: We honor Universal Opt-Out Mechanisms (including GPC) as required by applicable law in California, Colorado, Connecticut, Delaware, Maryland, Minnesota, Montana, New Hampshire, New Jersey, Oregon, and Texas.
• Data Protection Assessments: Where required (e.g., Colorado, Connecticut, Minnesota, Maryland), we conduct and maintain data protection assessments for processing activities that present a heightened risk to consumers, including the sale of personal information and targeted advertising.
• Maryland — Data Minimization: Under the Maryland Online Data Privacy Act (effective October 1, 2025), we limit our collection of personal information to what is reasonably necessary and proportionate to provide or maintain the specific service requested by the consumer.
• Minnesota — Profiling: Under the Minnesota Consumer Data Privacy Act, you may request an explanation of any profiling that results in a decision that produces legal or similarly significant effects concerning you.
• Appeals: If we deny your privacy rights request, you may appeal by submitting a request through the form on the Contact Page with the subject "Privacy Rights Appeal." We will respond within the timeframes required by your state's law (typically 45–60 days). If your appeal is denied, you may contact your state Attorney General.

Virginia, Indiana, Iowa, Kentucky, Rhode Island, Tennessee, Nebraska, Utah, Texas

Residents of these states have the rights described in Section 12. Additional notes:

• Cure periods: Some states provide us with a period to cure alleged violations before enforcement action is taken. We endeavor to cure any identified compliance issues promptly.
• Texas: The Texas Data Privacy and Security Act requires us to honor Universal Opt-Out Mechanisms and provide a clear mechanism to opt out of the sale of personal data and targeted advertising. We comply with these requirements.
• Rhode Island: Under the Rhode Island Data Transparency and Privacy Protection Act, we provide this privacy notice describing the types of personal information collected, the purposes for processing, third-party sharing, and consumer rights, as required by the law's notice provisions.

Nevada

Nevada residents may submit a request directing us not to sell their personal information (as defined under Nevada Revised Statutes Chapter 603A). To submit such a request, please use the Contact Page.

15. Contact Us

If you have questions about this Policy, wish to exercise your privacy rights, or have a complaint, please contact us using the form on the Contact Page or send a letter to the address below.

Medicare Tips LLC
ATTN: Privacy
603 E Fort King Street, Suite 111
Ocala, FL 34471

16. Changes to This Policy

We may update this Policy from time to time. When we do, we will revise the "Last Updated" date above and post the updated Policy on this page. If we make material changes, we will provide notice as required by applicable law (such as a prominent notice on our Site or by email). Your continued use of our Services after the effective date of any updated Policy constitutes your acceptance of the changes. If you do not agree, you should stop using our Services. Where required by law, we will seek your affirmative consent before applying material changes to personal information previously collected.

17. Terms of Use

The Terms of Use governing your use of our Site are incorporated by reference into this Policy and are available at Terms of Use.