Last Updated: February 26, 2025
This Privacy Policy describes our policies and procedures regarding the collection, use, and disclosure of your information when you use our services. It also outlines your privacy rights and how the law protects you. By using our services, you agree to the collection and use of information in accordance with this Privacy Policy.
- Interpretation and Definitions
Interpretation
Words with capitalized initials have meanings as defined in the following sections. These definitions apply whether they appear in singular or plural form.
Definitions
Company (referred to as “We,” “Us,” or “Our”) refers to Ophiana Insurance Services. Personal Data refers to any information that can identify an individual, including but not limited to name, contact details, and health-related information. Protected Health Information (PHI) refers to health-related data protected under the Health Insurance Portability and Accountability Act (HIPAA). Service refers to the website and any communications or interactions related to Medicare plan assistance. Service Provider refers to third parties processing data on our behalf (e.g., insurance carriers, enrollment platforms).You refers to the individual accessing our service, a company, or another legal entity on behalf of which the individual is accessing our services.
- Compliance with CMS, HIPAA, and Other Regulations
We comply with:
Centers for Medicare & Medicaid Services (CMS) guidelines regarding the collection and retention of Medicare-related information. HIPAA regulations for protecting Protected Health Information (PHI).Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act for communications and marketing practices. State and federal privacy laws, including the California Consumer Privacy Act (CCPA), where applicable.
- Information We Collect
We may collect the following personal information:
Name, phone number, email address, mailing address, Medicare and insurance-related information, Date of birth (for eligibility verification), IP address, geolocation data, and device information, call recordings (if applicable, for compliance purposes).
- How We Use Your Personal Data
We may use your personal data for:
Medicare plan assistance and enrollment, Eligibility verification and communication, Regulatory compliance and record-keeping, Improving our services and customer experience, Marketing and outreach (if permitted by law). We do not sell your personal information to third parties.
- Permission to Contact (PTC) & Communication Consent
By providing your contact information, you consent to:
Receiving calls, text messages (SMS), and emails regarding Medicare plan options. Communication via autodialers or pre-recorded messages (per TCPA guidelines).The ability to opt out at any time by replying “STOP” or contacting us directly.
This Permission to Contact (PTC) is valid for 12 months from the date of consent, as per CMS regulations.
- Data Retention Policy
We retain personal and Medicare-related data for:
10 years – Required by CMS for Medicare-related records.
6 years – Required by HIPAA for PHI.
12 months – For geolocation data (unless legally required to store longer).
After the retention period, data is securely deleted or anonymized.
- Data Sharing & Third Parties
We may share your data with:
Licensed Medicare insurance carriers for eligibility and enrollment.
Regulatory authorities (CMS, HHS) if required by law.
Third-party service providers (e.g., customer support, compliance tools).
We do not sell or rent your data for marketing purposes.
- Tracking, Cookies & Geolocation Data
We use cookies and tracking technologies for:
Website analytics and security
User experience personalization
Advertising and remarketing (if applicable)
Opt-out options:
You can disable cookies in your browser settings. You can block geolocation tracking via your device settings.
- Your Privacy Rights
You have the right to:
Request a copy of your personal data.
Correct or delete your personal information.
Opt out of marketing communications.
Withdraw your Permission to Contact (PTC) at any time.
To exercise these rights, email us at [email protected].
- Security of Your Information
We use industry-standard security measures, but no method of transmission over the Internet is 100% secure. We recommend that you take precautions to protect your personal data.
- Children’s Privacy
Our services are not intended for individuals under 13 years of age. We do not knowingly collect data from children. If you believe a child has provided us with personal data, please contact us for removal.
- Changes to This Privacy Policy
We may update this Privacy Policy periodically. The latest version will always be available on our website.
Last Updated:
February 26, 2025
- Contact Us
For questions about this Privacy Policy, contact us at:
Email: [email protected]