VC Health Group, LLC ("VC Health," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit www.vchealthgroup.com (the "Site") or contact us for Medicare insurance services. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Site.

1. Information We Collect

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

Personal Data

Personally identifiable information, such as your name, mailing address, email address, telephone number, date of birth, and Medicare ID number, that you voluntarily give to us when you complete a contact form, request a plan comparison, or apply for a position. You are under no obligation to provide us with personal information, but your refusal to do so may prevent you from using certain features of the Site.

Health Information

When you request a Medicare plan comparison, we may collect health-related information such as your current medications, preferred doctors, and existing health conditions. This information is used solely to identify Medicare Advantage, Medicare Supplement, and Part D plans that may meet your needs. We treat all health information as sensitive and apply heightened protections to it consistent with applicable law.

Derivative Data

Information our servers automatically collect when you access the Site, such as your IP address, browser type, operating system, access times, and the pages you have viewed directly before and after accessing the Site.

Financial Data

We do not collect or store payment card information. Any financial transactions are processed through secure third-party payment processors.

Mobile Device Data

Device information such as your mobile device ID, model, and manufacturer, and information about the location of your device, if you access the Site from a mobile device.

2. How We Use Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

• Provide, operate, and maintain our Medicare plan comparison and enrollment assistance services.
• Connect you with licensed Medicare insurance agents who can assist you in selecting a plan.
• Respond to your inquiries, questions, and comments.
• Send you administrative information, such as information about changes to our terms, conditions, and policies.
• Send you marketing and promotional communications (where permitted by law and with your consent where required).
• Compile anonymous statistical data and analysis for use internally or with third parties.
• Comply with applicable legal and regulatory requirements, including CMS marketing guidelines.
• Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
• Process employment applications submitted through the Site.

3. Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

By Law or to Protect Rights

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.

Insurance Carriers and Partners

With your consent, we may share your information with Medicare insurance carriers (such as Aetna, Humana, UnitedHealthcare, Elevance Health, WellCare, HealthSpring, and Guarantee Trust Life) and their affiliates to provide you with plan quotes and enrollment assistance. We do not sell your personal information to third parties for their own marketing purposes.

Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including data analysis, email delivery, hosting services, customer service, and marketing assistance. These providers are contractually obligated to protect your information and may not use it for any purpose other than providing services to us.

Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

4. Tracking Technologies

Cookies and Web Beacons

We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Site to help customize the Site and improve your experience. When you access the Site, your personal information is not collected through the use of tracking technology. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the Site.

Analytics

We may use third-party analytics services, such as Google Analytics, to help understand how users engage with the Site. These services may collect information sent by your browser as part of a web page request, including cookies and your IP address.

5. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete information.
• Deletion: You may request that we delete your personal information, subject to certain exceptions.
• Opt-Out of Marketing: You may opt out of receiving marketing communications from us at any time by following the unsubscribe instructions in any email we send, or by contacting us directly.
• Do Not Sell: We do not sell your personal information. If this practice ever changes, we will update this policy and provide you with an opt-out mechanism.

To exercise any of these rights, please contact us at [email protected].

7. Medicare Marketing Compliance

VC Health operates in compliance with the Centers for Medicare & Medicaid Services (CMS) marketing guidelines for Medicare Advantage and Part D plans. We are a licensed insurance agency and do not represent the federal Medicare program. For official Medicare information, please visit www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

8. Children's Privacy

We do not knowingly solicit information from or market to children under the age of 13. If we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date of this policy. You are encouraged to review this Privacy Policy periodically to stay informed of updates. Your continued use of the Site after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

10. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at: