Important: This Website Privacy Policy describes online and general communication practices. It supplements, and does not replace, any carrier privacy notice or other notice provided in connection with an insurance application or policy.

1. Scope

This policy explains how America's Trusted Benefits ("ATB," "we," "us," or "our") collects, uses, and discloses personal information when you visit this website, call or message us, request information, schedule an appointment, or otherwise interact with us about insurance products and services.

2. Information we may collect

• Contact information: name, postal address, email address, telephone number, and communication preferences.

• Insurance-interest information: the types of coverage you are interested in, general eligibility information, service area, preferred appointment time, and other information you choose to provide.

• Insurance-transaction information: information reasonably needed to discuss, quote, apply for, or service insurance, which may include policy, beneficiary, financial, or health-related information when collected through an appropriate process.

• Communications: emails, messages, appointment details, and call information. Calls may be monitored or recorded when disclosed and permitted by law.

• Device and website information: IP address, browser and device type, pages viewed, referring page, approximate location derived from IP address, cookies, and similar analytics or advertising identifiers.

Please do not submit a Social Security number, Medicare Beneficiary Identifier, financial-account number, or detailed medical records through a general website form or ordinary email unless we specifically direct you to an appropriate secure process.

3. Sources of information

We may collect information directly from you, automatically from your browser or device, and, where authorized or permitted, from licensed agents, insurance carriers, plan sponsors, service providers, public records, or other insurance-support sources.

4. How we use information

• Respond to questions and requested communications.

• Connect you with an appropriately licensed insurance agent.

• Explain insurance options and assist with quotes, applications, enrollment, appointments, or policy service you request.

• Maintain business records, prevent fraud, secure our systems, and troubleshoot services.

• Measure and improve our website, outreach, and customer experience.

• Comply with carrier requirements and applicable insurance, Medicare, telemarketing, privacy, recordkeeping, and other legal obligations.

5. When information may be disclosed

We may disclose information as reasonably necessary to:

• Licensed insurance agents and agencies assisting with your request.

• Insurance carriers, Medicare plans, plan sponsors, and their administrators when you request information, a quote, an application, enrollment assistance, or policy service.

• Vendors that provide hosting, customer relationship management, communications, scheduling, analytics, security, document, and other operational services under appropriate restrictions.

• Government agencies, regulators, courts, law enforcement, or other parties when required or permitted by law, or to protect rights, safety, and security.

• A successor organization in a merger, reorganization, financing, or transfer of relevant business assets, subject to applicable law.

We do not sell personal information for money. We may share information with licensed agents, carriers, and service providers for the purposes described above. Where required for Medicare marketing or enrollment outreach, ATB will not disclose a beneficiary's personal data to another third-party marketing organization without prior express written consent that identifies each recipient.

6. Calls, text messages, and email

If you ask us to contact you or provide the applicable consent, ATB or an authorized licensed agent may contact you by telephone, text message, or email about your request. Message and data rates may apply. Consent to marketing communications is not a condition of purchasing insurance where prohibited by law. You may request that calls stop, reply STOP to an automated text-message program, or use the unsubscribe link in a marketing email. Transactional or legally required communications may continue.

7. Cookies and analytics

We and our service providers may use cookies, pixels, scripts, and similar technologies for site operation, security, analytics, attribution, and advertising. Browser settings can limit some cookies, but doing so may affect site functionality. Where a consent tool is provided, you can use it to manage available choices.

8. Security and retention

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. No internet service is completely secure, and we cannot guarantee absolute security. We retain information for as long as reasonably necessary for the purposes described here, including legal, regulatory, carrier, dispute-resolution, and recordkeeping requirements.

9. Your choices and rights

Depending on your state and the nature of an insurance transaction, you may have rights to request access to or correction of certain personal information, limit certain disclosures, or appeal a decision about a request. We may need to verify your identity before responding. To opt out of marketing, use the methods described above. Privacy choices may not prevent disclosures needed to provide requested services, complete an insurance transaction, or comply with law.

10. Children

This website is intended for adults seeking insurance information and is not directed to children under 13. We do not knowingly collect personal information online from children under 13.

11. External websites

Links to Medicare, insurance carriers, or other third-party websites are governed by those organizations' privacy practices. ATB is not responsible for the content or privacy practices of an external site.

12. Policy changes

We may update this policy as our services, practices, or legal obligations change. The effective date above shows when this version became effective. Material changes will be presented as required by applicable law.

13. Contact us

For privacy questions, access or correction requests, or marketing preferences, email [email protected] or call 1 (877) 633-4614. Please do not include a Social Security number, Medicare Beneficiary Identifier, financial-account number, or detailed medical information in an ordinary email.