California Consumer Privacy Act (CCPA) and US Advertising Regulations

At KnowMedicarePlans, we comply with all applicable US advertising regulations, including the California Consumer Privacy Act (CCPA) and other federal and state laws governing healthcare and insurance advertising.

California Consumer Privacy Act (CCPA)

If you are a California resident, the CCPA provides you with specific rights regarding your personal information:

• Right to Know: You have the right to request information about the personal data we've collected about you, including the categories of data, purposes for collection, third parties with whom we've shared it, and specific pieces of personal information.
• Right to Delete: You can request deletion of personal information we've collected from you, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt-out of the sale of your personal information to third parties.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

US Advertising Regulations for Medicare

As a Medicare-focused service, we comply with these important regulations:

CMS Medicare Marketing Guidelines

The Centers for Medicare & Medicaid Services (CMS) enforces strict marketing regulations for Medicare plans, which we adhere to:

• We clearly disclose that we are not affiliated with or endorsed by the government, Medicare, or Medicaid
• We avoid using the Medicare name or logo in a misleading way
• We ensure all claims about benefits and coverage are accurate and supported
• We maintain appropriate licensing for our insurance agents
• We follow communication rules regarding when and how we can contact potential customers

Federal Trade Commission (FTC) Regulations

We comply with FTC guidelines requiring:

• Truthful and non-deceptive advertising
• Substantiation for all claims
• Clear disclosure of material terms
• Protection of consumer privacy

Telephone Consumer Protection Act (TCPA)

For phone and text communications, we follow TCPA requirements:

• We obtain appropriate consent before calling or texting
• We honor the National Do Not Call Registry
• We provide options to opt-out of future communications
• We limit calling hours to between 8am and 9pm local time

CAN-SPAM Act

For email marketing, we comply with CAN-SPAM requirements:

• We use accurate header information and subject lines
• We identify the message as an advertisement
• We include our physical postal address
• We provide clear unsubscribe options
• We honor opt-out requests promptly

How to Exercise Your Rights

To submit requests related to your personal information or your rights under any of these regulations, please contact us through one of these methods:

• Email: privacy@knowmedicareplans.com
• Phone: 1-800-123-4567
• Mail: KnowMedicarePlans Privacy Office, 750 W 15th St, Panama City, Florida, 32401

We will respond to your request within 45 days of receipt. If we require more time, we will inform you of the reason and extension period.

Verification Process

To protect your privacy, we may need to verify your identity before processing your request. The verification process may differ depending on the type of request and sensitivity of the information involved.

Changes to This Policy

We may update this policy periodically to reflect changes in regulations or our practices. We will notify you of any material changes by posting the new policy on this page.