Privacy Policy

Overview

Insurance Innovators LLC (“Insurance Innovators,” “we,” “our,” or “us”) is a licensed Medicare insurance agency operating at 3303 Emmert St., Shoreview, MN 55126. This Privacy Policy describes how we collect, use, disclose, and protect information you provide when you visit our website (insuranceinnovatorsllc.com), use our chat assistant (Jenny), or otherwise communicate with us.

By using our website or submitting your information, you acknowledge that you have read and understood this Privacy Policy.

Information We Collect

Information you provide directly:

• Name, phone number, and email address
• ZIP code and state of residence
• Medicare status and current coverage type
• Prescription drug information (if voluntarily provided)
• Appointment preferences and availability
• Chat conversations with our AI assistant Jenny
• Information submitted through our contact or lead forms

Information collected automatically:

• Browser type, device type, and operating system
• IP address and approximate geographic location
• Pages visited, time spent, and navigation patterns
• Referring URLs and search terms

How We Use Your Information

We use the information you provide to:

• Connect you with a licensed Medicare agent for a coverage review
• Schedule and conduct consultations regarding Medicare plan options
• Follow up on inquiries submitted through our website or chat assistant
• Send you information relevant to Medicare enrollment periods and coverage changes
• Conduct annual coverage reviews for existing clients
• Comply with applicable state and federal insurance regulations
• Improve our website, services, and AI assistant performance

We do not use your information to make automated enrollment decisions or to evaluate Medicare plan suitability without a licensed agent review.

Communications Consent

By providing your phone number through our website or chat, you consent to receive calls and text messages from Insurance Innovators LLC and its licensed agents regarding Medicare plan options and coverage reviews. Automated technology may be used. Message frequency varies. Message and data rates may apply. Consent is not required to purchase insurance or receive services.

To opt out of SMS communications, reply STOP to any text message. To opt out of phone calls, request removal directly with our agent or by contacting us at WeListen@InsuranceInnovatorsLLC.com. You may also call us at (530) 395-5309 to request removal.

How We Share Your Information

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

• With insurance carriers: When you request enrollment or a quote, your information may be shared with the relevant carrier(s) as necessary to complete the transaction.
• With service providers: We use third-party platforms for CRM, email delivery, and analytics. These providers access your information only to perform services on our behalf and are bound by confidentiality obligations.
• For legal compliance: We may disclose information when required by law, court order, or regulatory investigation.
• With your consent: We may share information for any other purpose with your explicit consent.

HIPAA Notice

Insurance Innovators LLC is an insurance agent/broker operating in the Medicare market. In this capacity, we may receive health-related information necessary to assist with Medicare plan selection. We treat this information with the same protections required of HIPAA-covered entities and their business associates where applicable, and maintain appropriate administrative, technical, and physical safeguards.

Health information you share with our AI assistant or agents is used solely for the purpose of identifying appropriate Medicare coverage options and is not shared beyond what is necessary for that purpose.

AI Chat Assistant (Jenny)

Our website features Jenny, an AI-powered Medicare advisor assistant. Conversations with Jenny are transmitted to our service infrastructure and used to:

• Respond to your Medicare questions in real time
• Collect preliminary information to prepare for a licensed agent review
• Transfer your contact information to our CRM so a licensed agent can follow up

Jenny is not a licensed insurance agent and does not provide insurance advice, recommend specific plans, or make enrollment decisions. All specific plan recommendations are made by licensed human agents.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. Our systems use industry-standard encryption for data transmission and storage.

No method of internet transmission or electronic storage is 100% secure. While we work to protect your information, we cannot guarantee absolute security.

Your Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to regulatory retention requirements)
• Opt out of marketing communications at any time
• Request that we not sell your personal information (we do not)

To exercise any of these rights, contact us at WeListen@InsuranceInnovatorsLLC.com or (530) 395-5309.

Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve functionality and analyze usage. You can control cookie settings through your browser. Disabling cookies may affect certain website features.

We do not use cookies to serve targeted advertisements or share behavioral data with advertising networks.

Children’s Privacy

Our services are intended for adults 64 years of age and older who are approaching Medicare eligibility, as well as their family members and caregivers. We do not knowingly collect personal information from individuals under 18. If we become aware that a minor has submitted information, we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top. Continued use of our website after changes constitute acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our data practices, contact us: