1. Information We Collect

a. Personal Information You Provide

We collect information you voluntarily provide to us, such as:

• Full name

• Date of birth

• Email address

• Phone number

• Home address

• Social Security number (if required for application)

• Health information (for insurance quotes or eligibility)

• Income and financial data (for certain plan eligibility)

b. Automatically Collected Information

When you visit the Site, we may automatically collect:

• IP address

• Browser type and version

• Device type and OS

• Pages visited, time on page, and referral URL

• Clickstream data

• Cookies and other tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and services

• Evaluate eligibility for Medicare Advantage, Medigap, and final expense plans

• Connect you with licensed agents or plan providers

• Customize your online experience

• Communicate with you via email, phone, or SMS (with consent)

• Comply with CMS, HIPAA, and insurance regulatory guidelines

• Prevent fraud and ensure site security

• Improve our products and services through analytics

3. How We Share Your Information

We may share your information with:

a. Insurance Carriers and Licensed Agents

To help you explore and enroll in insurance plans that suit your needs.

b. Third-Party Service Providers

We may use vendors to support our operations (e.g., CRM systems, marketing platforms, data hosting, analytics).

c. Government or Regulatory Bodies

Such as CMS (Centers for Medicare & Medicaid Services) or state insurance departments when required.

d. Legal Compliance

To comply with court orders, subpoenas, or law enforcement requests.

e. Business Transfers

In the event of a merger, acquisition, or sale of assets.

4. HIPAA Notice (If Applicable)

If you submit or discuss health-related information with a licensed agent or on a HIPAA-regulated form, that data may be protected under the Health Insurance Portability and Accountability Act (HIPAA). In such cases:

• We maintain appropriate administrative, technical, and physical safeguards to protect PHI.

• We will not disclose PHI without your written authorization, except as required or permitted by law.

• You have rights to access, amend, and request restrictions on your PHI, which you can do by contacting our privacy team.

Note: Not all data we collect is subject to HIPAA; only data handled in connection with health plan enrollment or covered transactions is treated as such.

5. CCPA Privacy Rights (for California Residents)

Under the California Consumer Privacy Act (CCPA), California residents have the right to:

• Know what personal information we collect and how it is used

• Request access to your data

• Request deletion of your personal information (subject to exceptions)

• Opt-out of the sale or sharing of personal information (we do not sell data)

• Non-discrimination for exercising privacy rights

To exercise these rights, email us at privacy@everlife.com. We will verify your request before processing it.

6. CMS Compliance Notice (for Medicare Marketing)

As a provider of Medicare-related services, we comply with all CMS (Centers for Medicare & Medicaid Services) guidelines for marketing and communications. This includes:

• Not using misleading language or coercive tactics

• Only contacting you with your express permission (per Scope of Appointment rules)

• Disclosing plan options from all carriers we are contracted with

• Providing plan comparisons in a fair and unbiased way

• Maintaining audit-ready records of any interactions, as required by CMS

7. Your Choices & Rights

You may:

• Opt out of marketing communications at any time by clicking the unsubscribe link

• Manage cookies through your browser settings

• Request access to, correction of, or deletion of your data by contacting us

• Withdraw consent where processing is based on consent (if applicable)

8. Data Security

We use industry-standard security measures to protect your personal information, including:

• SSL encryption

• Firewalls and secure servers

• Role-based access controls

• Routine data backups and monitoring

However, no system is 100% secure. We encourage you to use caution and notify us immediately if you suspect any misuse.

9. Data Retention

We retain your information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (e.g., for regulatory or contractual purposes).

10. Children’s Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect or maintain personal information from children.

11. Third-Party Links

This Site may contain links to third-party websites or tools. We are not responsible for the privacy practices or content of those third parties. Please review their privacy policies separately.

12. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Effective Date.” Your continued use of our Site constitutes acceptance of those changes.

13. Contact Us

If you have questions or want to exercise your rights, please contact:

EverLife Advisors, LLC
1600 Ashton Blvd, Lehi, UT 84043
Email: privacy@everlife.com