Effective Date: August 28, 2026

LEGACY INSURANCE & RETIREMENT AGENCY

Marcus Offutt, Licensed Life and Medicare Advisor

Legacy Insurance & Retirement Agency

1. Information We Collect

We collect the following types of information:

Personal Information:

• Name, email address, phone number, physical address
• Date of birth or Medicare eligibility date, when you choose to provide it
• Opt-in records and timestamps for all communication channels (SMS, email, and others)

Non-Personal Information:

• IP address, browser type, device information
• Website usage patterns and analytics
• Cookies and similar technologies

Customer Communication:

• Records of inquiries and service requests
• Appointment details and preferences
• Service history and feedback

We do not knowingly collect information from anyone under 18 years of age. We ask that you do not submit Social Security numbers, Medicare Beneficiary Identifier numbers, or detailed medical records through website forms. Please share that information by phone or during a scheduled appointment.

2. How We Use Your Information

We use collected data for:

• Providing and improving our services
• Delivering the Medicare guides, checklists, and educational materials you request
• Communicating with you about your inquiries, appointments, and plan information
• Helping you review, compare, and enroll in coverage you select
• Enhancing website functionality and user experience
• Ensuring security and fraud prevention
• Maintaining records of your communication preferences and consent
• Meeting insurance, carrier, and regulatory recordkeeping requirements

3. SMS Messaging and Compliance

Text Message Program Terms and Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment reminders, customer support, and important updates.

Opt-In and Consent:

• You will only receive messages if you have explicitly opted in
• We maintain timestamped records of all opt-in actions
• We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws
• Consent to receive text messages is not a condition of purchase and is not required to receive service from us

Opt-Out Instructions:

• You can cancel SMS notifications at any time by replying "STOP"
• You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
• All opt-out requests are processed within 24 hours

Message Frequency and Content:

• Message frequency varies based on your interactions with our business
• Messages will be directly related to the services you have requested
• Promotional or marketing messages are only sent when users have provided explicit consent

Help and Support:

• Contact us at [email protected] for assistance, or reply HELP to any message
• Customer support is available during regular business hours

Carrier Information:

• Standard message and data rates may apply
• Carriers are not liable for delayed or undelivered messages

SMS Data Protection Statement

No mobile information will be shared with third parties or affiliates for marketing or 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.

We implement strict data protection measures to safeguard your SMS opt-in information and consent records.

4. Information Sharing and Disclosure

We do not sell, rent, or trade personal information. We may share information with:

Service Providers:

• Third-party vendors who assist in our operations, such as appointment scheduling and customer relationship management
• SMS aggregators and providers solely for the purpose of delivering messages you have consented to receive
• All service providers are contractually obligated to maintain confidentiality and security

Insurance Carriers:

• Carriers and their authorized systems when you apply for or ask about a plan

Legal Compliance:

• If required by law, legal process, or to protect our rights
• In response to valid law enforcement requests or court orders
• With Medicare, the Centers for Medicare and Medicaid Services, or state insurance regulators when required

Business Transfers:

• In case of mergers, acquisitions, or sale of assets
• In such cases, your data remains protected under the terms of this policy
• All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services

5. Data Security

We implement and maintain reasonable security measures to protect your personal information:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication mechanisms
• Regular security assessments and updates
• Training on data protection
• Breach notification protocols in accordance with applicable laws
• Secure backup systems and disaster recovery procedures

Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Analyze site traffic and user behavior
• Remember your preferences
• Improve website functionality and user experience
• Measure the effectiveness of our services

You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

7. Data Retention

We keep your information for as long as needed to serve you and to meet insurance, carrier, and regulatory recordkeeping requirements. Medicare related records are generally retained for at least ten years as required by federal guidelines. When information is no longer needed, we delete or securely destroy it.

8. Your Rights and Choices

You have the right to:

• Access, update, or delete your personal information
• Opt out of marketing emails by clicking "unsubscribe" in our emails
• Opt out of SMS messages by replying "STOP"
• Request information on how we process your data
• Withdraw consent at any time for future communications
• Ask us to stop calling you or place you on our internal do not call list
• Lodge a complaint with a supervisory authority if you believe your rights have been violated

To exercise these rights, please contact us using the information in Section 11.

9. Third-Party Links

Our website may contain links to third-party websites, including Medicare.gov, State Health Insurance Assistance Program resources, and carrier websites. We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by Legacy Insurance & Retirement Agency.

10. Changes to This Privacy Policy

We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.

11. Contact Us

If you have questions about this Privacy Policy or how your information is handled, contact us at:

Legacy Insurance & Retirement Agency

Marcus Offutt, Licensed Life and Medicare Advisor

Georgia Office: 175 Carnegie Pl, Suite 109, Fayetteville, GA

Michigan Office: 2524 Woodmeadow Dr SE Ave, Suite B, Grand Rapids, MI 49506

Phone: (678) 883-7679

Alternate phone: (616) 583-3138

Email: [email protected]

Website: www.legacyirateam.com

By using our website and services, you consent to this Privacy Policy.