Privacy Policy

Effective Date: March 12, 2026

Grace Rose Health Consultants (“we,” “us,” or “our”) is a licensed insurance agency operating as a Third Party Marketing Organization (TPMO). We are committed to protecting the privacy of individuals who visit our website and use our services. This Privacy Policy explains how we collect, use, share, and safeguard your personal information.

1. Information We Collect

We may collect the following categories of information when you visit our website, submit a form, or contact us:

• Personal Information: Name, email address, phone number, zip code, date of birth, branch of military service, and Medicare-related details you provide.
• Browsing Data: IP address, browser type, device information, pages visited, referring URLs, and interactions with our website.
• Communication Records: Records of phone calls, text messages, and emails exchanged with our agents.

2. How We Use Your Information

We use the information we collect to:

• Contact you to discuss Medicare Advantage plan options that may be available in your area.
• Match you with plans from the carriers we represent (currently Humana and UnitedHealthcare) based on your location and eligibility.
• Facilitate enrollment in Medicare Advantage, Medicare Supplement, or Prescription Drug Plans.
• Respond to your inquiries and provide customer support.
• Improve our website, services, and marketing efforts.
• Comply with applicable laws and regulations, including Centers for Medicare & Medicaid Services (CMS) requirements.

3. Consent to Communications (TCPA Disclosure)

By submitting your information through our website form, you provide your express written consent to receive telemarketing and informational calls, text messages, and emails at the telephone number and email address you provide. These communications may be placed using an automatic telephone dialing system (ATDS) or prerecorded or artificial voice messaging.

You also understand you may be contacted via phone or text if a mobile number is provided, even if that number is presently listed or subsequently added to the federal or state Do Not Call registry.

Your consent is not a condition of purchasing any product or service. You may revoke your consent at any time by calling us at 858-774-7327 (TTY: 711) or by replying STOP to any text message.

4. Information Sharing

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• Insurance Carriers: We share your information with Humana and UnitedHealthcare as necessary to facilitate plan enrollment and service your account.
• Service Providers: We may share information with technology vendors who help us operate our website and manage communications (e.g., CRM platforms), subject to confidentiality obligations.
• Legal Requirements: We may disclose information when required by law, regulation, or legal process, or to protect our rights or the safety of others.
• CMS Compliance: We may share information as required by CMS for purposes of oversight, audit, or compliance with Medicare marketing regulations.

5. Medicare Beneficiary Data

We handle all Medicare beneficiary data in accordance with the requirements of 42 CFR § 422.2274 and applicable CMS guidance. Medicare beneficiary information collected through our marketing activities is used solely for the purposes for which it was collected and is not used for any unauthorized purposes. We maintain appropriate safeguards to protect the confidentiality and integrity of all beneficiary data.

6. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to:

• Analyze website traffic and usage patterns.
• Remember your preferences and improve your browsing experience.
• Measure the effectiveness of our advertising campaigns.

You may disable cookies through your browser settings, though some website features may not function properly without them.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Your Rights & Choices

You have the right to:

• Opt out of communications: You may opt out of marketing calls, texts, or emails at any time by calling 858-774-7327 (TTY: 711), replying STOP to any text message, or using the unsubscribe link in any email.
• Request access to your data: You may request a copy of the personal information we hold about you.
• Request deletion: You may request that we delete your personal information, subject to any legal or regulatory retention requirements.
• Correct your information: You may request that we update or correct inaccurate personal information.

To exercise any of these rights, please contact us using the information below.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party websites you visit.

10. Children’s Privacy

Our services are intended for individuals who are eligible for Medicare (generally age 65 and older or those with qualifying disabilities). We do not knowingly collect personal information from children under the age of 13.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any material changes will be reflected by updating the “Effective Date” at the top of this page. We encourage you to review this policy periodically.

12. Contact Us