Politica de privacidad

The Pocket Protector, LLC ("TPP," "we," "us," or "our"), a subsidiary of NaviGap LLC, is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit thepocketprotector.com or any subdomain, application, or service operated by TPP.

1. INFORMATION WE COLLECT

Information You Provide Directly: Name, email address, phone number, date of birth, ZIP code, county, state of residence, Medicare beneficiary information, prescription medications, doctor preferences, income and asset information, employer information, and any other information you voluntarily provide.

Information Collected Automatically: IP address, browser type and version, operating system, referring URL, pages visited, time spent on pages, click patterns, device identifiers, and general geographic location.

Cookies and Tracking Technologies: We use cookies, web beacons, pixels, and similar technologies to improve the Site, analyze usage, and deliver relevant content. You can manage cookie preferences through your browser settings.

2. HOW WE USE YOUR INFORMATION

We use the information we collect to: (a) provide, maintain, and improve the Site; (b) respond to your inquiries and provide Medicare guidance; (c) match you with a licensed Medicare advisor; (d) process enrollments; (e) send administrative communications; (f) analyze usage patterns; (g) comply with legal obligations; and (h) protect against fraud and abuse.

We do NOT sell your personal information. We do not sell, rent, lease, or trade your personal data to third-party data brokers, lead aggregators, or marketing companies. Period.

3. HOW WE SHARE YOUR INFORMATION

(a) Insurance Carriers: When you choose to enroll in a plan through TPP, we share the information necessary to process your enrollment.

(b) Service Providers: Trusted third-party service providers who perform services on our behalf, subject to contractual data protection obligations.

(c) Legal Requirements: When required by law, regulation, legal process, or governmental request.

(d) Business Transfers: In connection with any merger, acquisition, or sale of assets.

We will never share your information with competing insurance agencies or brokers.

4. DATA SECURITY

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption (TLS/SSL), access controls, secure data storage, and employee training.

5. YOUR RIGHTS AND CHOICES

Access and Correction: Contact privacy@thepocketprotector.com to request access to or correction of your personal information.

Deletion: You may request deletion of your personal information, subject to legal compliance exceptions.

Opt-Out of Communications: Click "unsubscribe" in any email or contact us directly.

6. HIPAA AND PROTECTED HEALTH INFORMATION

We treat all health-related information you share with us with the same level of care and confidentiality as protected health information. We do not use health information for unrelated marketing purposes.

7. MEDICARE-SPECIFIC PRIVACY OBLIGATIONS

As a licensed Medicare agency, we comply with all applicable provisions of 42 CFR Parts 422 and 423 relating to the protection of beneficiary information.

8. CHILDREN'S PRIVACY

The Site is not directed to individuals under the age of 18 and we do not knowingly collect personal information from children.

9. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

California residents have additional rights including the right to know, the right to delete, and the right to opt out of the sale of personal information (we do not sell personal information). Contact privacy@thepocketprotector.com.

10. STATE-SPECIFIC PRIVACY RIGHTS

Residents of Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, and other states with comprehensive privacy laws may have additional rights. Contact privacy@thepocketprotector.com.

11. DATA RETENTION

We retain personal information as long as necessary to provide services and comply with legal obligations. Enrollment-related records are retained for a minimum of 10 years as required by CMS. Website usage data is typically retained for 2 years.

12. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. Material changes will be posted with an updated "Last updated" date. Continued use of the Site constitutes acceptance.

13. CONTACT US

Privacy Inquiries: privacy@thepocketprotector.com

General: hello@thepocketprotector.com

The Pocket Protector, LLC · 2045 W Grand Ave, Ste B, Chicago, IL 60612 · NPN: 21126942