PRIVACY POLICY

1. INTRODUCTION

MedicareAndTFL.com ("MedicareAndTFL" or the "Website") is a website and service operated by Uncle Sam's Healthcare LLC, a South Carolina limited liability company and independent insurance agency ("USH," "Company," "we," "us," or "our").

MedicareAndTFL is not a separate legal entity. Personal information collected through MedicareAndTFL.com or related MedicareAndTFL services is collected, used, maintained, or otherwise processed by or on behalf of Uncle Sam's Healthcare LLC as described in this Privacy Policy.

We respect the privacy of individuals who interact with us and seek to handle personal information responsibly and in accordance with applicable law.

This Privacy Policy describes how we may collect, use, disclose, retain, and protect information when you:

• visit MedicareAndTFL.com;
• use educational or interactive Website features;
• submit a Website form;
• schedule an appointment;
• complete a Scope of Appointment;
• request insurance information or assistance;
• communicate with a licensed insurance agent;
• communicate with us by telephone, text message, email, chat, or other means;
• interact with an artificial-intelligence-assisted or automated service;
• access insurance quoting or enrollment services made available through or linked from the Website; or
• otherwise interact with MedicareAndTFL or Uncle Sam's Healthcare LLC.

Please read this Privacy Policy carefully.

This Privacy Policy should be read together with our Terms of Service and any additional privacy notices that may apply to a particular insurance relationship, transaction, product, carrier, or service.

2. WHO WE ARE

MedicareAndTFL.com is operated by:

Uncle Sam's Healthcare LLC

Daniel Island, South Carolina

United States

Uncle Sam's Healthcare LLC is an independent insurance agency.

MedicareAndTFL and Uncle Sam's Healthcare LLC are not affiliated with, endorsed by, operated by, or sponsored by Medicare, the Centers for Medicare & Medicaid Services ("CMS"), the U.S. Department of Defense ("DoD"), TRICARE, the Department of Veterans Affairs ("VA"), or any other federal or state governmental agency.

References to Medicare, TRICARE For Life, military benefits, the VA, government programs, insurance carriers, or other organizations are for informational or insurance-service purposes and do not imply government affiliation, sponsorship, approval, or endorsement.

3. SCOPE OF THIS PRIVACY POLICY

This Privacy Policy applies to personal information collected through MedicareAndTFL.com and through communications and services associated with MedicareAndTFL that are operated or controlled by Uncle Sam's Healthcare LLC.

This may include information collected through:

• Website forms;
• appointment scheduling;
• telephone calls;
• text messages;
• email;
• web chat;
• artificial intelligence or automated assistants;
• Scope of Appointment forms;
• customer relationship management systems;
• insurance quoting or enrollment processes;
• licensed insurance agents;
• customer-service interactions; and
• other MedicareAndTFL-related services.

This Privacy Policy does not necessarily govern the independent information practices of third-party websites, government agencies, insurance carriers, healthcare providers, enrollment platforms, or other organizations that maintain their own privacy policies.

4. INFORMATION WE MAY COLLECT

The information we collect depends upon how you interact with us and the services you request.

We seek to collect information reasonably appropriate for the purposes for which it is collected.

A. Contact and Identification Information

We may collect information such as:

• first and last name;
• telephone number;
• email address;
• mailing address;
• city;
• state;
• ZIP code;
• county; and
• other contact or identification information you voluntarily provide.

B. Appointment and Scheduling Information

If you schedule or request an appointment, we may collect:

• your name;
• telephone number;
• email address;
• requested or scheduled appointment date and time;
• scheduling preferences;
• assigned insurance agent;
• appointment status;
• information concerning confirmation, cancellation, or rescheduling; and
• other information you voluntarily provide in connection with the appointment.

C. Medicare and Insurance Information

When reasonably necessary to provide requested educational or insurance services, we may collect information concerning:

• Medicare eligibility or enrollment;
• Medicare Part A or Part B effective dates;
• Medicare Advantage coverage;
• Medicare Supplement coverage;
• prescription drug coverage;
• TRICARE or TRICARE For Life status;
• current insurance coverage;
• requested insurance product categories;
• insurance preferences;
• Scope of Appointment selections;
• state, county, ZIP code, or service area;
• carrier or plan information;
• enrollment information; and
• other information reasonably necessary to respond to an insurance inquiry or provide requested insurance services.

Some information required to complete an insurance application or enrollment may be collected directly through an insurance carrier, enrollment platform, electronic-signature provider, or other third-party system rather than directly through MedicareAndTFL.com.

D. Sensitive Personal Information

Certain insurance transactions or requested services may require more sensitive personal information.

Depending upon the service and applicable requirements, this may include:

• date of birth;
• Medicare Beneficiary Identifier ("MBI");
• Social Security number where legitimately required;
• healthcare-provider information;
• prescription information;
• health-related information;
• insurance eligibility information;
• financial or payment information where applicable; or
• other information necessary to complete or service an authorized insurance transaction.

We seek to limit collection of sensitive information to circumstances in which it is reasonably necessary for a requested service, authorized insurance transaction, regulatory requirement, compliance purpose, or other legitimate purpose.

Do not provide Social Security numbers, Medicare Beneficiary Identifiers, payment-card information, account passwords, detailed medical records, or other unnecessary sensitive information through ordinary email, general Website chat, or a general automated assistant unless you are specifically directed to an appropriate process for providing that information.

E. Scope of Appointment Information

If you complete a Medicare Scope of Appointment ("SOA"), we may collect and maintain information including:

• name;
• contact information;
• date;
• selected Medicare product categories;
• signature or electronic acknowledgment;
• agent information;
• appointment information; and
• other records reasonably necessary or required to document the SOA.

Completing an SOA does not itself enroll you in an insurance plan or obligate you to purchase insurance.

F. Telephone and Voice Information

When you call us or interact with a voice-based service, we may collect or generate information such as:

• telephone number;
• caller-identification information;
• date and time;
• call duration;
• call-routing information;
• information you voluntarily provide;
• call recordings where permitted or required;
• transcripts;
• summaries;
• call disposition;
• agent or representative information; and
• technical or compliance records associated with the communication.

Telephone and voice communications may be recorded, monitored, transcribed, summarized, or analyzed where permitted or required by applicable law.

G. Text Message Information

If you communicate with us through SMS or another messaging service, we may collect or maintain:

• telephone number;
• message content;
• date and time;
• delivery information;
• consent or opt-in records;
• opt-out requests;
• HELP requests;
• communication history; and
• related technical records.

H. Email Information

If you communicate with us by email, we may collect:

• email address;
• name;
• message content;
• attachments;
• delivery information;
• engagement information where available; and
• records relating to our communications.

I. Website, Device, and Technical Information

When you access the Website, certain information may be collected automatically, such as:

• Internet Protocol ("IP") address;
• browser type;
• device type;
• operating system;
• referring website or source;
• pages viewed;
• links clicked;
• date and time of access;
• approximate geographic information derived from an IP address;
• session information;
• cookie or similar identifiers;
• Website interaction information; and
• other technical or diagnostic information.

5. HOW WE COLLECT INFORMATION

We may collect information in several ways.

Directly From You

We may collect information when you:

• submit a Website form;
• schedule an appointment;
• complete an SOA;
• call us;
• text us;
• email us;
• speak with an agent;
• interact with an automated system;
• request a callback;
• request information;
• request insurance assistance; or
• initiate or complete an insurance transaction.

Automatically

Certain technical and usage information may be collected automatically through cookies, logs, analytics tools, security technologies, pixels, or similar technologies when you interact with the Website.

From Service Providers

We may receive information from companies that provide services supporting our operations, including:

• scheduling providers;
• CRM providers;
• telecommunications providers;
• artificial-intelligence providers;
• Website hosting providers;
• analytics providers;
• email or SMS providers;
• insurance quoting or enrollment platforms; and
• electronic-signature providers.

From Insurance Organizations

Where appropriate and permitted by law, we may receive information from:

• insurance carriers;
• general agencies;
• field marketing organizations;
• enrollment platforms;
• carrier-authorized technology providers; and
• other entities involved in an insurance inquiry, application, enrollment, or servicing relationship.

From Government or Public Sources

We may obtain information from government, regulatory, licensing, or publicly available sources when reasonably necessary for verification, compliance, fraud prevention, business operations, or other lawful purposes.

6. HOW WE MAY USE INFORMATION

We may use information for purposes including:

• responding to inquiries;
• providing requested educational information;
• providing Medicare and TRICARE For Life education;
• scheduling appointments;
• confirming appointments;
• sending appointment reminders;
• rescheduling or cancelling appointments;
• connecting consumers with licensed insurance agents;
• conducting requested insurance consultations;
• documenting Scope of Appointment authorization;
• determining which licensed representative may appropriately assist you;
• providing insurance quotes;
• assisting with insurance applications or enrollments;
• servicing existing customer relationships;
• providing customer service;
• responding to requested follow-up;
• maintaining records;
• complying with applicable CMS requirements;
• complying with insurance-carrier requirements;
• complying with insurance licensing and regulatory requirements;
• maintaining compliance documentation;
• operating customer relationship management systems;
• routing telephone calls and inquiries;
• operating AI-assisted services;
• transcribing or summarizing communications;
• conducting quality assurance;
• training and supervising personnel;
• analyzing and improving Website functionality;
• diagnosing technical issues;
• maintaining Website and system security;
• preventing, detecting, or investigating fraud, misuse, or security incidents;
• investigating complaints;
• enforcing our Terms of Service or other agreements;
• establishing, exercising, or defending legal rights;
• responding to lawful government or regulatory requests;
• complying with applicable law; and
• conducting other legitimate business activities consistent with this Privacy Policy.

Where permitted by law, we may use aggregated or de-identified information for analytics, operations, research, education, service improvement, or other lawful business purposes.

7. TEXT MESSAGES AND SMS PRIVACY

Where offered, you may voluntarily consent to receive text messages from Uncle Sam's Healthcare LLC.

Non-marketing messages may include:

• appointment confirmations;
• appointment reminders;
• scheduling updates;
• rescheduling or cancellation information;
• responses to inquiries you initiated; and
• requested service follow-ups.

Message frequency varies. Message and data rates may apply.

You may reply HELP for assistance or STOP to opt out.

Consent to receive text messages is not a condition of purchasing insurance or any other goods or services.

Providing a telephone number for purposes such as scheduling a telephone appointment does not, by itself, constitute consent to receive marketing or promotional text messages where separate consent is required.

Mobile Information and SMS Consent

No mobile information will be shared with third parties or affiliates for their own marketing or promotional purposes.

Information may be disclosed to subcontractors and service providers that support services such as customer service, telecommunications, SMS delivery, CRM functionality, scheduling, technical infrastructure, and other operational support where reasonably necessary to provide those services.

Text messaging originator opt-in data and consent will not be sold, rented, or shared with third parties for their own marketing or promotional purposes.

We may also disclose information where permitted or required by applicable law.

You may withdraw applicable SMS consent using the opt-out method provided in the message or by contacting us.

The toll-free verification standards you're working under currently require publicly accessible Privacy Policy and Terms URLs that correspond to the documents consumers can access at the point of opt-in, which is why this section should remain consistent with your GHL booking form.

8. TELEPHONE COMMUNICATIONS

If you provide a telephone number and request that we contact you, we may use that number to respond to your inquiry, conduct a requested appointment, provide requested customer service, or otherwise communicate with you as permitted by law.

Depending upon the nature of a communication and applicable law, separate consent may be requested for certain automated, prerecorded, artificial-voice, promotional, or marketing communications.

We may maintain records concerning consent and communication preferences where reasonably necessary for compliance, documentation, dispute resolution, or other legitimate business purposes.

9. EMAIL COMMUNICATIONS

If you provide an email address, we may use it to communicate concerning:

• inquiries;
• appointments;
• requested information;
• insurance services;
• customer service;
• existing customer relationships;
• administrative or regulatory matters; and
• other communications permitted by law.

Where required, commercial marketing emails will include an appropriate unsubscribe mechanism.

An unsubscribe from marketing communications does not necessarily prevent transactional, regulatory, servicing, security, or other non-marketing communications where such communications are permitted by law.

10. ARTIFICIAL INTELLIGENCE AND AUTOMATED TECHNOLOGIES

MedicareAndTFL may use artificial intelligence ("AI"), automated assistants, conversational systems, voice technologies, transcription services, summarization technologies, call-routing technologies, or other automated systems.

These systems may be used to:

• provide general educational information;
• assist with Website navigation;
• identify the general purpose of an inquiry;
• route calls;
• connect users with licensed insurance professionals;
• facilitate appointment scheduling;
• transcribe interactions;
• summarize communications;
• support customer service;
• assist personnel; or
• support quality assurance and compliance.

Information submitted during these interactions may be processed by technology providers acting on our behalf.

We seek to minimize unnecessary sensitive information collected through general automated interactions.

Do not provide Social Security numbers, Medicare Beneficiary Identifiers, payment information, passwords, or unnecessary detailed medical information to a general AI or automated assistant unless specifically directed to an appropriate process.

Automated or AI-generated information may contain errors, omissions, misunderstandings, or outdated information and should not be treated as an official government determination, insurance contract, coverage determination, medical advice, legal advice, or substitute for applicable plan documents or appropriately qualified professional advice.

11. CALL RECORDING, TRANSCRIPTION, AND QUALITY ASSURANCE

Where permitted or required by applicable law, telephone or voice interactions may be:

• recorded;
• monitored;
• transcribed;
• summarized;
• analyzed; or
• reviewed.

These records may be used for purposes such as:

• regulatory compliance;
• CMS or carrier requirements;
• customer service;
• documentation;
• quality assurance;
• training and supervision;
• complaint investigation;
• fraud prevention;
• security;
• dispute resolution; and
• protection of legal rights.

Where applicable law requires notice or consent for recording or similar processing, we seek to provide appropriate notice or obtain consent as required.

12. HOW WE MAY DISCLOSE INFORMATION

We may disclose information as described below and as otherwise permitted or required by law.

A. Licensed Insurance Agents and Authorized Personnel

Information may be accessible to licensed insurance agents, employees, managers, contractors, producers, compliance personnel, or other authorized persons who reasonably need the information to respond to an inquiry, provide requested services, maintain compliance, or service an insurance relationship.

B. Insurance Carriers

When you request insurance information, a quote, an application, enrollment assistance, or servicing, information may be disclosed to applicable insurance carriers as reasonably necessary to fulfill the request or administer the relationship.

Insurance carriers may independently maintain their own privacy notices and information practices.

C. Insurance Distribution and Enrollment Organizations

Information may be disclosed where reasonably necessary to organizations involved in insurance distribution, administration, or enrollment, such as:

• enrollment platforms;
• general agencies;
• field marketing organizations;
• carrier-authorized platforms;
• quoting platforms; and
• other entities reasonably necessary to process or service an insurance transaction.

D. Vendors and Service Providers

We may disclose personal information to vendors, contractors, technology providers, telecommunications providers, CRM providers, scheduling providers, artificial-intelligence providers, Website hosting providers, email providers, SMS providers, analytics providers, cybersecurity providers, electronic-signature providers, document-storage providers, insurance enrollment platforms, and other service providers where reasonably necessary to:

• operate our business;
• provide requested services;
• process or service insurance transactions;
• communicate with you;
• maintain systems;
• maintain security;
• conduct compliance activities; or
• otherwise perform legitimate business functions.

Where appropriate, we seek to use contractual, technical, organizational, or other measures designed to require service providers to handle information consistently with applicable requirements and the services they perform.

FTC guidance specifically recommends that businesses address data-security expectations with contractors and service providers and oversee those relationships.

E. Legal, Regulatory, Compliance, and Safety Purposes

We may disclose information when we reasonably believe disclosure is appropriate or necessary to:

• comply with applicable law;
• comply with insurance regulations;
• comply with CMS requirements;
• comply with carrier requirements;
• respond to lawful subpoenas, court orders, warrants, or other legal process;
• respond to lawful government or regulatory requests;
• investigate suspected fraud or misconduct;
• prevent or investigate security incidents;
• protect consumers;
• enforce agreements;
• establish, exercise, or defend legal claims; or
• protect the rights, property, security, or safety of USH, our customers, our personnel, or others.

F. Professional Advisors

Information may be disclosed where appropriate to attorneys, accountants, auditors, insurers, consultants, compliance professionals, and other professional advisors acting in connection with legitimate business, legal, regulatory, insurance, or compliance matters.

G. Business Transactions

If Uncle Sam's Healthcare LLC is involved in a proposed or completed merger, acquisition, financing, reorganization, restructuring, sale of assets, sale or transfer of a book of business, investment transaction, succession, or similar corporate transaction, information may be disclosed to appropriate parties as part of evaluating, negotiating, conducting, or completing that transaction, subject to applicable law and appropriate protections.

13. WE DO NOT SELL SMS CONSENT FOR THIRD-PARTY MARKETING

For clarity:

Uncle Sam's Healthcare LLC does not sell or rent text-messaging opt-in consent.

Mobile information and SMS consent will not be shared with third parties or affiliates for their own marketing or promotional purposes.

This does not prevent us from using service providers that process information on our behalf to provide telecommunications, CRM, scheduling, customer service, technical, compliance, or messaging services, or from making disclosures permitted or required by law.

14. COOKIES AND SIMILAR TECHNOLOGIES

MedicareAndTFL may use cookies, pixels, logs, analytics technologies, and similar technologies.

Depending upon our Website configuration, these technologies may help us:

• operate Website features;
• maintain sessions;
• remember preferences;
• maintain security;
• prevent fraud;
• understand Website usage;
• diagnose technical problems;
• measure Website performance;
• understand referral sources;
• measure advertising or campaign effectiveness; and
• improve the Website and Services.

Some technologies may be necessary for Website operation, while others may support analytics or advertising.

Your browser or device may provide controls allowing you to restrict or delete certain cookies.

Restricting cookies may affect Website functionality.

15. ANALYTICS AND ADVERTISING

We may use analytics, attribution, or advertising services to understand Website usage, measure marketing effectiveness, and improve our Services.

Depending upon the technologies actually deployed, these services may process information such as:

• IP addresses;
• device or browser information;
• cookie identifiers;
• Website interactions;
• referral sources; and
• similar technical information.

Where applicable law requires consent or an opt-out mechanism for particular tracking or advertising technologies, we seek to provide the required mechanism.

We do not intentionally provide Medicare Beneficiary Identifiers, Social Security numbers, Scope of Appointment contents, detailed health information, or insurance-enrollment information to advertising providers for their independent behavioral advertising purposes.

16. DATA MINIMIZATION

We seek to collect information reasonably related to the purposes for which it is needed.

Users should avoid submitting sensitive information when it is unnecessary.

For example, an individual who simply requests to speak with a licensed insurance professional generally does not need to provide detailed medical information merely to be connected to that person.

Where more sensitive information is legitimately required for an insurance application, enrollment, servicing activity, or regulatory requirement, it may be collected through a separate process appropriate to that purpose.

17. INFORMATION SECURITY

USH maintains administrative, technical, and physical safeguards designed to protect personal information appropriate to the nature and sensitivity of the information and our operations.

Depending upon the systems and information involved, safeguards may include:

• access controls;
• authentication;
• role-based access;
• personnel controls;
• vendor management;
• contractual protections;
• security monitoring;
• data minimization;
• incident-response procedures; and
• other safeguards we determine appropriate.

No method of transmission, storage, telecommunications, or information-security system is completely secure. Although we take measures designed to protect information, we cannot and do not guarantee absolute security or that unauthorized persons will never defeat applicable safeguards.

Users are responsible for taking reasonable measures to protect their own devices, accounts, credentials, email accounts, telephone accounts, and communications.

The FTC recommends collecting only information that is actually needed, maintaining appropriate security, securely disposing of information that is no longer needed, and addressing service-provider security.

18. DATA RETENTION

We may retain personal information for as long as reasonably necessary or appropriate to:

• provide requested services;
• maintain customer relationships;
• service insurance business;
• comply with CMS requirements;
• comply with insurance-carrier requirements;
• comply with insurance licensing or regulatory obligations;
• maintain Scope of Appointment or enrollment records;
• document consent and communication preferences;
• maintain business and accounting records;
• prevent or investigate fraud;
• resolve complaints or disputes;
• maintain security;
• enforce agreements;
• establish, exercise, or defend legal rights; or
• satisfy applicable legal requirements.

Retention periods vary depending upon the nature of the information, the relationship, contractual requirements, regulatory requirements, and applicable law.

When information is no longer reasonably required, we may delete, destroy, de-identify, anonymize, or otherwise dispose of it consistent with applicable requirements and our retention practices.

19. HEALTH AND INSURANCE INFORMATION

Because MedicareAndTFL provides Medicare-related education and insurance services, information you voluntarily provide may concern healthcare, insurance coverage, prescriptions, providers, or other health-related matters.

We recognize that such information may be sensitive and seek to limit its collection, use, and disclosure to appropriate purposes.

However, MedicareAndTFL.com is not itself a healthcare provider, health plan, or healthcare clearinghouse merely because the Website discusses healthcare or insurance matters.

Whether HIPAA or another health-privacy law applies to particular information or activity depends upon the circumstances, entities involved, and applicable law.

Nothing in this Privacy Policy represents or warrants that every interaction with MedicareAndTFL or Uncle Sam's Healthcare LLC is governed by HIPAA.

Regardless of whether a particular health-privacy statute applies, we seek to handle sensitive health and insurance information responsibly and in accordance with applicable requirements.

20. GRAMM-LEACH-BLILEY ACT AND INSURANCE PRIVACY

Insurance activities may be subject to federal and state privacy requirements governing nonpublic personal information.

The Gramm-Leach-Bliley Act ("GLBA") establishes privacy and information-security requirements applicable to financial institutions, including businesses providing insurance products or services.

Where GLBA, applicable state insurance privacy law, or another financial or insurance privacy requirement governs particular information or a particular customer relationship, we seek to handle that information in accordance with applicable requirements.

Additional Insurance Privacy Notices

This Website Privacy Policy describes privacy practices associated with MedicareAndTFL.com and related Services. It is not intended to replace any separate privacy notice that Uncle Sam's Healthcare LLC, an insurance carrier, or another regulated entity may be required to provide under GLBA, applicable state insurance privacy law, or other law.

Any legally required additional insurance privacy notice supplements this Privacy Policy and governs to the extent applicable to the relationship or information addressed by that notice.

Depending on an institution's actual information-sharing practices, GLBA privacy requirements can include disclosure of categories of information collected and disclosed, categories of recipients, safeguards, and in certain circumstances consumer opt-out rights.

21. THIRD-PARTY WEBSITES AND SERVICES

The Website may link to or integrate with third-party websites and services, including:

• Medicare.gov;
• TRICARE or other government resources;
• insurance carriers;
• healthcare providers;
• pharmacies;
• scheduling services;
• enrollment platforms;
• quoting platforms; and
• other resources.

We do not control the independent privacy, security, or information practices of unaffiliated third parties.

When you leave MedicareAndTFL.com or independently interact with another organization, that organization's privacy policy and terms may apply.

We encourage you to review applicable third-party policies before providing personal information.

22. INSURANCE CARRIERS' PRIVACY PRACTICES

If you apply for or enroll in insurance coverage, the applicable insurance carrier may independently collect, use, disclose, secure, and retain information pursuant to its own privacy notices, contracts, and legal obligations.

Uncle Sam's Healthcare LLC does not control all information practices of independent insurance carriers.

You should review applicable carrier privacy notices when completing an insurance transaction.

23. GOVERNMENT WEBSITES AND SERVICES

Links or references to Medicare, CMS, TRICARE, DoD, VA, or other government resources do not mean those agencies receive information collected by MedicareAndTFL unless information is actually submitted or disclosed to them through an authorized process or otherwise permitted or required by law.

Government websites and agencies maintain their own information and privacy practices.

24. STATE PRIVACY RIGHTS

Depending upon your state of residence, the nature of the information, our relationship with you, and applicable law, you may have certain rights concerning personal information.

Where applicable, those rights may include the ability to:

• request access to certain personal information;
• request correction of inaccurate information;
• request deletion of certain information;
• obtain information concerning categories of information collected;
• obtain information concerning certain disclosures;
• opt out of certain uses or disclosures;
• withdraw certain consent;
• request a portable copy of certain information; or
• appeal certain privacy-request decisions.

These rights are subject to applicable exceptions, exemptions, verification requirements, and limitations.

For example, we may be unable or not legally required to delete information that must or may appropriately be retained for Medicare, insurance, regulatory, compliance, fraud-prevention, security, contractual, litigation, or other lawful purposes.

To submit a privacy request, contact us using the information in the Contact Us section below.

We may request information reasonably necessary to verify your identity and authority to make a request.

We will not unlawfully discriminate against an individual for exercising applicable privacy rights.

25. COMMUNICATION PREFERENCES

You may change certain communication preferences.

For SMS communications, follow the opt-out instructions contained in the message.

For applicable marketing email communications, use the unsubscribe mechanism provided.

You may also contact us directly.

An opt-out from one type or channel of communication does not necessarily constitute an opt-out from all communications or channels unless applicable law requires otherwise or your request clearly indicates a broader intent.

Certain transactional, administrative, compliance, security, servicing, or legally required communications may continue where permitted by law.

26. PRIVACY PREFERENCE SIGNALS AND DO NOT TRACK

Some browsers and devices provide "Do Not Track," Global Privacy Control, or other privacy preference mechanisms.

Legal and technical requirements concerning these signals may differ by jurisdiction and may evolve.

Where applicable law requires us to recognize a particular legally valid browser-based opt-out preference signal, we seek to honor that requirement as applicable to the relevant processing.

27. CHILDREN'S PRIVACY

MedicareAndTFL is intended primarily for adults seeking information about Medicare, TRICARE For Life, retirement healthcare coverage, or related insurance matters.

The Website is not directed to children under 13.

We do not knowingly seek to collect personal information online from children under 13.

If we become aware that personal information from a child under 13 was collected in circumstances prohibited by applicable law, we will take appropriate steps to address the information.

28. SECURITY INCIDENTS AND DATA BREACHES

No organization can guarantee that a security incident will never occur.

If we discover a security incident involving information in our possession or control, we may investigate, contain, remediate, document, and otherwise respond to the incident as appropriate under the circumstances.

Where applicable law requires notification to affected individuals, regulators, law enforcement, insurance carriers, business partners, or other parties, we will seek to provide such notification in accordance with applicable requirements.

29. BUSINESS TRANSFERS AND SUCCESSORS

If all or part of Uncle Sam's Healthcare LLC, MedicareAndTFL, an insurance book of business, or relevant assets are sold, merged, reorganized, financed, transferred, or otherwise involved in a business transaction, information may be transferred or disclosed as part of that transaction where permitted by law.

Any successor or recipient may acquire rights to information subject to applicable law, contractual obligations, and applicable privacy notices.

30. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in:

• our Website;
• Services;
• technology;
• vendors;
• business operations;
• information practices;
• insurance relationships;
• legal or regulatory requirements; or
• other relevant circumstances.

When this Privacy Policy is updated, we will revise the Last Updated date above.

Where applicable law requires additional notice or consent for a material change, we will seek to provide such notice or obtain such consent as required.

We encourage users to review this Privacy Policy periodically.

31. NO CONTRACTUAL GUARANTEE OF SECURITY

Nothing in this Privacy Policy constitutes a representation, warranty, or guarantee that any particular security measure will prevent every unauthorized access, cybersecurity event, system failure, loss, disclosure, or other incident.

Our obligations concerning personal information are subject to applicable law and any enforceable contractual obligations that specifically apply to the information or relationship at issue.

This provision does not limit any right or obligation that applicable law prohibits from being limited.

32. RELATIONSHIP TO TERMS OF SERVICE

This Privacy Policy should be read together with the MedicareAndTFL.com Terms of Service.

The Terms of Service govern use of the Website and Services, while this Privacy Policy describes our information practices.

If another privacy notice is provided in connection with a specific insurance product, carrier, enrollment, regulated customer relationship, or other transaction, that notice may supplement this Privacy Policy.

33. CONTACT US

Questions about this Privacy Policy, our information practices, or applicable privacy requests may be directed to:

Uncle Sam's Healthcare LLC

Operator of MedicareAndTFL.com

Daniel Island, South Carolina

United States

Email: support@unclesamshealthcare.com

Telephone: (202) 552-1418

Mailing Address: 1225 Blakeway St Unit 1205 Daniel Island, SC 29492

For privacy requests, please provide enough information for us to reasonably understand and respond to the request.

We may request additional information when reasonably necessary to verify identity, protect against fraud, or confirm authority to act on behalf of another person.

34. OFFICIAL MEDICARE INFORMATION

MedicareAndTFL.com is an independent educational and insurance-services resource and is not affiliated with or endorsed by the federal Medicare program.

For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).