Privacy Policy
Medicare Advantage, Medicare Supplement and Prescription Drug Plan Advisor
Privacy Policy
Effective Date: December 12, 2025
Introduction
Thank you for your interest in Ian Gerrard Health Insurance Broker and Risk Assure Group LLC (“we,” “us,” or “our”). We are committed to protecting the privacy of those with whom we interact. This Privacy Statement (“Statement”) contains details about how we collect, use, and share personal information about you (defined below) that we obtain from you when you interact with us via our websites (including those listed below), email, mobile application, social media accounts, insurance agent and representative services, communication channels (including online chat and telephone call centers), in other online and offline interactions and services, and from other sources (collectively, the “Service”).
INFORMATION COLLECTED FOR TEXTING PROGRAM
Any information that we collect when you opt into receiving SMS and MMS text messages from us is used solely for the management of such texting communications program. We do not transfer your consent to be contacted via the texting program to any other entity.
The categories of Personal Information that we may collect or obtain through the operation of the Platform. In addition to the sources listed below, we may collect this information from third-party service providers or vendors, including data analytics providers.
Contact Information: Consumers’ and Agents’ name, phone number, and email address, as well as Consumers’ postal address. We may collect this information about Consumers from -Agents, insurance carriers, data brokers, and agencies. We collect this information about Agents from Agents or marketing organizations in the Agents’ product sale hierarchy.
Identification Information*: Agents’ National Producer Number and Social Security number. We collect this information from Agents when they begin working with us. Consumers’ driver’s license, Social Security, and/or similar government-issued identification numbers. We collect this information about Consumers provided in the course of discussions with an Agent or representative, which is relevant to the processing of an application for an insurance or financial product.
Demographic Information*: Consumers’ age, date of birth, marital status, language preference, ethnicity, race, and sex or gender. We collect this information about Consumers when Lead Vendors, insurance carriers, Agents, data brokers, or agencies provide it to us.
Health Information*: Consumers’ health information provided in the course of discussions with an Agent or representative, which is relevant to the processing of an application for an insurance or financial product. For example, notes about a Consumer may state that the Consumer has diabetes, as is relevant for an application for a life insurance product.
Sensory Information: Audio recordings of Consumer conversations with representatives and Agents in connection with inquiries regarding insurance and/or financial products. We may also have access to video snippets of user website activity evidencing consent to be contacted. This information is collected from Lead Vendors, Agents, insurance carriers, and agencies.
Commercial Information: We collect information about the products requested by Consumers, including information entered into insurance and/or financial product applications, as provided by you, a Lead Vendor, Agent, data brokers, insurance carriers, advertising and/or social media networks, or an agency. We also collect information regarding your purchase of insurance and/or financial products, including the type of product purchased and the corresponding carrier.
Internet or Other Similar Network Activity: Automatically collected information on users’ interaction with the Platform. This may include your browsing history (including the site you came from before visiting our website and the site you went to after leaving our website), duration of browsing session, device ID, and IP address. We may also collect this information from advertising networks.
Geolocation Data: We collect geolocation, which may include precise geolocation,* from users. We automatically collect this information from you and may also collect this from advertising networks.
Some or all of the types of Personal Information marked with an asterisk (*) may be considered “sensitive” personal information according to some state laws. We may also partner with financial processors or payment vendors to provide services to Agents on the Platform.
We do not collect biometric information relating to an individual’s physiological, biological, or behavioral characteristics including an individual’s DNA that can be used with other data to establish an individual’s identity.
Your information may be provided to us by your spouse or other family member.
HOW WE USE THE PERSONAL INFORMATION WE COLLECT
We may use or disclose the Personal Information that we collect for one or more of the following purposes:
Operate the Platform;
Communicate with you regarding the Platform;
Contact Consumers through our employed agents regarding insurance and/or financial products in which the Consumer expressed interest;
Address users’ and Consumers’ inquiries;
Process transactions;
Tailor the content and information that we may send or display to you;
Analyze use of our products and services;
Develop new products and services;
Comply with legal obligations;
Protect our rights, property, and safety or the rights, property, and safety of others; and
Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our customers is among the assets transferred. You hereby consent to such transfers and we may assign and transfer all of the rights, benefits, duties, and obligations of this Privacy Policy, under the circumstances described in this paragraph.
From time to time, we may contact users via email and mail, for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email or mail from us, you may opt out of such communications by contacting us through the phone number, or the email address listed below
SMS TERMS & CONDITIONS
1. SMS Consent Policy: The phone numbers obtained for SMS will not be shared or sold to third parties for marketing purposes.
2. Types of Communications: Customers and leads may receive SMS messages including appointment reminders, follow-up messages, billing inquiries, renewal reminders, contact reminders
3. Message Frequency: You may receive up to 5 SMS messages per week regarding your transactions and communications with us.
4. Potential Fees: Standard message and data rates may apply based on the user's carrier plan.
5. Opt-In Method: You may opt in to SMS messages verbally, submitting an online form, filling out a paper form, by email.
6. Opt-Out Method: Reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly at the phone or email below to request removal.
7. Help: Reply with the keyword “HELP" or contact us at the phone or email address below.
8. Standard Disclosures: Message and data rates may apply. You can opt out at any time by texting 'STOP.' For assistance, text 'HELP' or visit our Privacy Policy page.
HOW WE SHARE THE PERSONAL INFORMATION WE COLLECT
We may disclose all categories of Personal Information described above in “Personal Information We Collect” to the third parties listed below for the purpose of facilitating the sale of insurance and/or financial products to individuals who are interested in purchasing such products.
With Our Service Providers. We may share Personal Information about Consumers and Agents with third parties who perform services for us or on our behalf. For example, this may include payment processors and companies that send emails on our behalf or other operating systems or platforms that help us run our services.
With Our Business Partners. This includes our affiliates in the insurance or financial industry, insurance carriers, and any other entities that are involved in the sale of insurance or financial products such as marketing organizations that specialize in the insurance or financial industry.
With Law Enforcement, Government Agencies, or Parties to a Legal Proceeding. We may share Personal Information with such entities to comply with the law or assist in law enforcement.
With Our Independent Agents and Advisors. Agents and advisors have access to the Personal Information about Consumers that is provided by the Consumers when requesting information regarding insurance and/or financial products.
With Data Analytics Providers and Advertising Service Providers. Third-party data analytics providers may collect Personal Information about users over time and across different websites, applications, and devices for the purposes of targeted advertising. These providers may collect Personal Information, specifically internet or other similar network activity information, your input on the website, social media information, and/or commercial information in this manner on our Platform. For more information on these third parties, please see the below “Cookie Policy.”
We may partner with these third parties to tailor and customize our advertising to Users. The practice of targeted advertising may be considered a “sale” of Personal Information under some state laws. For more information about your choices related to this practice, please see “Your Privacy Rights” below.
We may revise this Privacy Policy from time to time. If we make material changes to this Privacy Policy, we will notify you by email or by posting a notice on our Platform prior to or on the effective date of the changes. By continuing to access or use the Platform after those changes become effective, you acknowledge the revised Privacy Policy.
Our Platform uses third-party applications and integrations to enhance its experience. We disclaim any and all liability and responsibility for the use of these applications and integrations, and encourage you to review their individual privacy policies before using our Platform or otherwise engaging with us. We disclaim any and all liability and responsibility for the use of these applications and integrations and encourage you to review any individual privacy policy related to those applications and integrations.
We facilitate the sale of insurance and financial products, and may engage in targeted advertising, which may be considered “selling” or “sharing” personal information as defined under certain state privacy laws, including California. In the last twelve (12) months, we have “sold” or “shared” the categories of personal information identified in “PERSONAL INFORMATION” with insurance carriers and Agents.
No security is foolproof, and the Internet is an insecure medium. We cannot guarantee absolute security, but we work hard to protect our business and you from unauthorized access to or unauthorized alteration, disclosure, or destruction of Personal Information that we collect and store.
We retain Personal Information where we have an ongoing legitimate business or legal need to do so. Our retention periods will vary depending on the type of data involved, but, generally, we refer to these criteria in order to determine retention period:
Whether we have a legal or contractual need to retain the data;
Whether the data is necessary to provide our Platform; and
Whether our Consumers or Agents would reasonably expect that we would retain the data until they remove it or until their accounts are closed or terminated.
When we have no ongoing legitimate business need to process your Personal Information, we will either delete or anonymize it or, if this is not possible (for example, because your Personal Information has been stored in backup archives), then we will securely store your Personal Information and cease any further processing until deletion is possible.
CONTACT INFORMATION
If you have questions regarding this Statement or our privacy practices, please contact us at:
EMAIL: ian@iangerrardhealthinsurance.com
TELEPHONE: 832.400.3250