Privacy Policy
Effective Date: 10/04/2024
Welcome to https://www.medicaresavings.us (the “Website”), owned and operated by Medicare Savings LLC which is owned by LIFL LLC(a licensed and registered insurance brokerage company) located in N. Charleston, SC (“Medicare Savings,” “we,” “us,” or “our”). Protecting your privacy and ensuring the security of your personal information is important to us. This Privacy Policy outlines how we collect, use, and protect the information you provide to us and explains your rights concerning your personal data. SMS opt-in and Phone Numbers for the purposes of SMS will not be shared with third parties and affiliates for marketing purposes.
1. Information We Collect
We collect personal information that you provide directly to us, such as:
•Contact Information: Name, phone number, email address, and mailing address.
•Insurance Information: Medicare details and related healthcare information necessary for providing brokerage services.
•Communication Preferences: Your preferences regarding how we communicate with you.
SMS opt-in and Phone Numbers for the purposes of SMS will not be shared with third parties and affiliates for marketing purposes.
We may also collect technical information through cookies and other tracking technologies, such as your IP address, browser type, and pages visited on the Website.
2. How We Use Your Information
We use the information collected for purposes including, but not limited to:
•Providing you with the services offered by Medicare Savings, including Medicare and insurance-related assistance.
•Communicating with you about your inquiries, application status, or services that may be of interest.
•Sending service-related updates and information.
•Marketing and promotional communications, where applicable.
•Compliance with legal and regulatory requirements.
3. Sharing of Information
We may share your personal information in the following ways:
•Service Providers: With third-party service providers who perform functions on our behalf, such as data analysis, marketing support, and IT services.
•Legal Requirements: Where required to comply with laws, regulations, or legal processes, or to protect our rights and interests.
•Business Transfers: In the event of a merger, sale, or other transfer of all or part of our business.
Per CMS, agents must keep SOA forms on file for at least 10 years, even if the appointment didn't end in a sale. Your information will not be sold to any third parties.
4. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our Website, personalize your user experience, and track how users interact with our Website. You can control cookies through your browser settings.
5. Security of Your Information
We take appropriate administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, or misuse. Despite our best efforts, no security measure can guarantee complete protection of your data.
6. Retention of Information
We retain your personal information for as long as is necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal requirements, or resolve disputes.
7. TCR Compliance and Opt-Out Rights
We comply with The Consumer Rights (TCR) regulations and respect your right to control your information and communications. If you wish to stop receiving communications from us at any time, you may opt-out by:
•SMS Text Messages: Replying with the word “STOP” to any SMS text message you receive from us. Please note that SMS may be a prerequisite to participation in certain programs through Medicare Savings LLC, and opting out may affect your access to some services.
•Email Communications: Clicking the “Unsubscribe” link in any marketing email you receive from us.
•Phone Calls: Calling us at 1-888-608-0654 at Extension 100 or sending an email to [email protected] to opt-out of marketing or promotional calls.
8. Your Rights
You may have certain rights regarding your personal information, including the right to access, correct, or request the deletion of your information. If you wish to exercise any of these rights, please contact us using the information provided below.
9. RingCentral VoIP Privacy Your Privacy Disclosures
Data Collection: Medicare Savings LLC
collects and processes personal data related to phone calls and text messages [collectively, the “Data”].
Data includes information such as:
-Caller ID
-Call recipient's number
-Call duration
-Call recording (if applicable)
-SMS content
-Timestamps
Data Processing: We may store and retain this data electronically for up to 10 years as required by CMS. The purpose of processing this data serves two purposes:
1. Client services
2. Marketing
3. Sharing non-sensitive data with 3rd party vendors, including the VoIP provider services at RingCentral.
Data Security: Medicare Savings LLC safeguards your privacy by:
1. Limited, only as needed access by internal service providers and employees.
2. Protecting customer data from unauthorized access with 2-Step password authorization.
3. Disclosure(s) of any data breach directly to the client within 24 hours of discovery.
4. Disclosure to federal agencies of all data loss and recovery.
5. Forced alteration of access points including annual security reviews and bi-annual password reset.
6. Destruction of all non-essential data after 1 year.
7. End to end encryption of any and all Protected Health Information and financial identifiers.
8. Additional security audits provided by
About 3rd Party VoIP Services Provider RingCentral
RingCentral, a cloud service provider for communications and collaboration, collects and uses personal information in a variety of ways:
What Do They Collect?
RingCentral collects personal information when users interact with them, including contact information, payment information, and other identifiers. They may also automatically collect information when users use their apps and services, such as recording communications.
For questions or concerns am regarding any RingCentral services, we encourage you to contact them directly:
Please e-mail privacy@ringcentral.com.
Or, you can write to:
RingCentral, Inc.
Attn: RingCentral Chief Privacy Officer
20 Davis Drive,
Belmont, California 94002
USA
RingCentral Data Protection Officer (DPO)
Dyann Heward-Mills
HewardMills Ireland Ltd.
Fitzwilliam Hall, Fitzwilliam Place, Dublin 2. DO2 T292 Ireland
dpo@hewardmills.com
10. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Officer:
Phone: 1-888-608-0654, Extension 100
Email: [Email Protected]
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. We will notify you of any material changes by posting the revised Privacy Policy on the Website with an updated effective date.
By using our Website or services, you acknowledge that you have read, understood, and agree to the terms outlined in this Privacy Policy.
Medicare Savings LLC
5935 Rivers Ave. N., STE 101B, Charleston, SC, 29406