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Privacy Policy

Last Updated: September 21, 2023
We are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with our agency. We take your privacy seriously and strive to comply with all applicable laws and regulations concerning the protection of personal information, including the Health Insurance Portability and Accountability Act (HIPAA) and other relevant healthcare
privacy laws. Please read this Privacy Policy carefully to understand how we handle your personal information. By accessing or using our services, you consent to the practices described in this Privacy Policy.


1. Information We Collect
We may collect and maintain the following types of personal information when you engage with our Medicare agency:
a. Personal Identifiable Information (PII): • Name • Address • Date of birth • Social Security Number • Medicare and health insurance information
b. Health Information: • Medical history • Health conditions • Prescription and treatment information
c. Contact Information: • Email address • Phone number
2. How We Use Your Information
We may use your personal information for the following purposes:
a. Provide Services: To facilitate your enrollment in Medicare and provide you with related healthcare services.
b. Verify Eligibility: To determine your eligibility for Medicare and related benefits.
c. Billing and Payment: To process payments for Medicare plans and services.
d. Communication: To send you important information about your Medicare coverage, updates, and other relevant communications.
e. Customer Support: To respond to your inquiries and provide customer support.
f. Improve Services: To analyze and improve our services, including the development of new programs and offerings.

g. Legal Compliance: To comply with legal and regulatory requirements, including reporting
obligations to government agencies.
3. How We Protect Your Information
We take the security of your personal information seriously and employ reasonable administrative, technical, and physical safeguards to protect it from unauthorized access, disclosure, alteration, or destruction. We restrict access to your personal information to authorized employees and agents who need it to perform their duties.
4. Sharing Your Information
We may share your personal information with third parties in the following circumstances:
a. Service Providers: We may share your information with third-party service providers who assist us in carrying out our services, subject to appropriate contractual safeguards.

b. Legal Requirements: We may disclose your information as required by law, regulation, or legal process.
c. Business Transfers: In the event of a merger, acquisition, or sale of all or part of our agency, your personal information may be transferred to the acquiring entity.
d. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. Your Rights
You have certain rights regarding your personal information, including the right to access, correct, and delete your information, as well as the right to opt-out of certain communications. To exercise these rights, please contact us using the contact information provided below.
6. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated Privacy Policy on our website and notify you of any significant changes.

CHERYL COBBIN

BUSINESS SOLUTIONS

cheryl@cherylcobbin.com

916-837-1725

License # 0K86753

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These Terms of Service ("Terms") govern your use of our services, website, and any related products and features provided by our Medicare agency. By using our services, you agree to these Terms, so please read them carefully. 1. Acceptance of Terms By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, including any additional terms and conditions and policies referenced herein. If you do not agree to these Terms, please do not use our services. 2. Use of Services a. Eligibility: You must be eligible to use our services, and you agree to provide accurate and complete information when using our services. b. Access and Accounts: You may need to create an account to access certain features of our services. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. 3. Medicare Enrollment Services a. Scope: Our agency provides services related to Medicare enrollment and healthcare assistance. We do not guarantee eligibility for Medicare benefits, and the final determination rests with Medicare and other relevant authorities. b. Accuracy: While we strive to provide accurate and up-to-date information, we do not warrant the accuracy or completeness of the information provided on our website or through our services. 4. Privacy and Security a. Privacy Policy: Your use of our services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. b. Security: We employ reasonable security measures to protect your personal information but cannot guarantee the security of your data. You are responsible for maintaining the security of your account. 5. Intellectual Property a. Ownership: All content and materials on our website and services, including but not limited to text, graphics, logos, and software, are the property of [Your Medicare Agency Name] and are protected by intellectual property laws. b. Use of Content: You may not use our content for any purpose without our prior written consent. 6. Termination We reserve the right to terminate or suspend your access to our services, with or without notice, for any violation of these Terms or for any other reason at our sole discretion. 7. Limitation of Liability To the extent permitted by law, Cobbin Insurance Agency, and its affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services or any information provided therein. 8. Changes to Terms We may update these Terms from time to time to reflect changes in our services or for other operational, legal, or regulatory reasons. We will notify you of any significant changes. 9. Governing Law These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law principles. By using our services, you agree to the terms and conditions outlined in these Terms of Service 10. You can cancel the SMS service at any time. Simply text “STOP.” Upon sending "Stop", we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you. If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to cheryl@cobbininsurance.com. Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider. For privacy-related inquiries, please refer to our privacy policy

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