Privacy Policy

This Privacy Policy explains how LongTermCareInsurance411 ("we," "us," or "our") collects, uses, and shares information when you visit longtermcareinsurance411.com or submit a form requesting a cost comparison, a planning report, or other information. By using this site or submitting a form, you agree to this Policy.

1. Who we are

LongTermCareInsurance411 is an independent educational and referral service. We are not an insurance company, agency, or licensed advisor, and we do not sell insurance. When you ask us to, we connect you with licensed insurance agents or partners who can help with your request, and we may be compensated when we do.

2. Information we collect

• Information you provide: when you submit a form, we collect details such as your name or first name, email address, phone number, ZIP code, and age.
• Information collected automatically: your IP address, browser and device type, pages viewed, and referring page, collected through cookies and similar technologies.
• Consent-verification data: to document your consent, we use third-party services (TrustedForm by ActiveProspect and Jornaya/LeadiD by Verisk) that record technical information about your form session, including a certificate or token, timestamp, IP address, and interactions with the form.

3. How we use your information

• To connect you with licensed insurance agents or partners who can respond to your request.
• To contact you about long-term care insurance and related products and services.
• To operate, maintain, and improve this site and our services.
• To document consent, prevent fraud and spam, and comply with legal obligations.

4. How we share your information

We may share the information you provide with:

• Licensed insurance agents and partners who contact you about your request. We may be paid a fee for connecting you, and that compensation may influence which partners are shown. Once your information is shared with a partner, their own privacy practices apply to how they use it.
• Service providers that help us operate the site (for example, hosting, email delivery, spam protection, and consent verification).
• Legal and safety: when required by law, to enforce our terms, or to protect rights, property, or safety.

We do not sell your information to unrelated third parties for their own marketing.

5. Your consent to be contacted (TCPA)

When you check the consent box and submit a form, you agree to the following:

By checking this box and submitting this form, I give my express written consent to be contacted by LongTermCareInsurance411 and licensed insurance agents or partners about long-term care insurance at the phone number and email I provided, including by autodialer, automated technology, prerecorded voice, and text message, even if my number is on a Do Not Call list. Consent is not a condition of purchase; message and data rates may apply, and I can opt out at any time.

Providing this consent is not a condition of purchasing any product or service. Message and data rates may apply, and message frequency varies.

6. How to opt out

• Calls and texts: ask a caller to place you on their internal do-not-call list, or reply STOP to any text message to stop further texts.
• Email: use the unsubscribe link in any email we send.
• Everything else: contact us using the details below to request that we stop contacting you or delete your information.

7. Cookies and tracking

We and our providers use cookies and similar technologies to run the site, remember your form session, measure usage, and document consent. You can control cookies through your browser settings; disabling them may affect how the site works.

8. Your privacy rights

Depending on where you live, you may have the right to access, correct, or delete your personal information, or to opt out of certain sharing. Residents of California and some other states have additional rights under laws such as the CCPA/CPRA. To exercise any of these rights, contact us using the details below; we will respond as required by law.

9. Data retention and security

We keep your information for as long as needed to provide our services, document consent, and meet legal requirements, then delete or de-identify it. We use reasonable safeguards to protect your information, but no method of transmission or storage is completely secure.

10. Children's privacy

This site is intended for adults. We do not knowingly collect information from anyone under 18.

11. Third-party links

Our site may link to other websites we do not control. This Policy does not apply to those sites, and we are not responsible for their content or privacy practices.

12. Changes to this Policy

We may update this Policy from time to time. Changes take effect when we post the updated Policy with a new "Last updated" date.

13. Contact us

Questions or requests about this Policy or your information? Email us at privacy@longtermcareinsurance411.com.