Contents
Plain English summary: We collect your name, contact details, and Medicare-related questions when you request a consultation. We use that information to contact you about your Medicare options. We do not sell your personal information to third parties for their own marketing purposes.
1. Who We Are
LiveWise Insurance Services ("Company," "we," "us," or "our") is a licensed insurance agency operating in California and select other states. Our principal agent is Dennis Gibbs (CA License #4255966; CA Corp License #6015092).
This Privacy Policy explains how we collect, use, share, and protect personal information when you visit our website, submit a contact form, book a consultation, or otherwise interact with us. By using our website or submitting your information, you agree to the practices described in this policy.
We are not affiliated with or endorsed by the United States government or the federal Medicare program.
2. Information We Collect
Information you provide directly
When you fill out a form, book a call, or contact us, we may collect:
- Full name
- Email address
- Phone number
- Date of birth or age range (to confirm Medicare eligibility)
- State of residence
- Questions or notes you include in your submission
Information collected automatically
When you visit our website, we and our third-party service providers may automatically collect:
- IP address and approximate location
- Browser type and device information
- Pages visited, time spent, and links clicked
- Referring website or advertisement that brought you to our site
Information from third parties
If you interact with one of our advertisements on a platform such as Meta (Facebook/Instagram), that platform may share with us the information you provided when submitting a lead form, consistent with that platform's own privacy policy and your settings.
3. How We Use Your Information
We use the information we collect to:
- Contact you by phone, email, or text message to schedule or conduct your free Medicare consultation
- Explain and compare Medicare plan options available in your area
- Send appointment reminders and follow-up communications related to your inquiry
- Comply with applicable federal and state insurance regulations
- Improve our website and marketing effectiveness (in aggregate, anonymized form)
- Respond to your questions or requests
We do not use your information to make automated decisions about your eligibility for insurance products. All consultations involve direct communication with a licensed agent.
4. How We Share Your Information
We do not sell your personal information. We may share your information in the following limited circumstances:
Insurance carriers and partners
If you decide to enroll in a plan, we will share the information necessary to complete your enrollment with the relevant insurance carrier. This is required to process your application.
Service providers
We work with trusted third-party companies that help us operate our business, including CRM and scheduling platforms (such as GoHighLevel), email and SMS communication tools, and website hosting providers. These companies access your information only as needed to perform services on our behalf and are contractually obligated not to use it for other purposes.
Legal requirements
We may disclose your information if required by law, regulation, court order, or government authority, or to protect the rights, property, or safety of LiveWise Insurance Services, our clients, or others.
Business transfers
If LiveWise Insurance Services is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any new privacy choices that may arise.
5. Contact Consent
By submitting your information through our website or a Meta lead form, you expressly consent to be contacted by LiveWise Insurance Services and/or Dennis Gibbs, a licensed insurance agent, regarding Medicare Advantage, Medicare Supplement (Medigap), and/or Medicare Part D prescription drug plans.
This contact may occur by:
- Telephone calls, including calls made using an automatic telephone dialing system or an artificial or prerecorded voice
- SMS/text messages, including automated text messages
Standard message and data rates may apply to text messages. Message frequency varies. You may opt out of text messages at any time by replying STOP. You may opt out of emails by clicking the unsubscribe link in any email we send.
Medicare-specific disclosure: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
6. Data Security
We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These include secure data transmission (SSL/TLS), access controls, and trusted service providers with their own security practices.
No method of electronic transmission or storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately at the address below.
7. Your Rights & Choices
Access and correction
You may request a copy of the personal information we hold about you, and ask us to correct inaccurate or incomplete information.
Deletion
You may request that we delete your personal information, subject to any legal or regulatory retention obligations we must fulfill.
Opt-out of communications
- Email: Click "Unsubscribe" in any email
- SMS/text: Reply STOP to any text message
- Phone: Request to be placed on our internal do-not-call list by contacting us directly
California residents (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act, including the right to know what personal information we collect and how we use it, the right to delete your personal information, and the right to opt out of the sale of your personal information. We do not sell personal information. To exercise these rights, contact us using the information in Section 11.
To submit a request, contact us at the information provided in Section 11 below.
8. Cookies & Tracking
Our website may use cookies and similar tracking technologies to analyze site traffic, remember your preferences, and measure the effectiveness of our advertising campaigns (including Meta Pixel). You can control cookie behavior through your browser settings. Note that disabling certain cookies may affect the functionality of our website.
We may use the Meta Pixel to measure conversions from our Facebook and Instagram advertisements. This technology allows Meta to match visits to our site with Meta users. Meta's use of this data is governed by Meta's Privacy Policy.
9. Children's Privacy
Our website and services are intended for adults who are approaching or have reached age 65. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected information from a minor, we will take prompt steps to delete it.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have questions, concerns, or requests related to this Privacy Policy or our data practices, please contact us:
- Business: LiveWise Insurance Services
- Agent: Dennis Gibbs, Licensed Insurance Agent
- CA License: #4255966 · CA Corp License: #6015092
- Email: info@livewiseinsurance.com
- Phone: (213) 720-2323
- Mailing address: 631 W. Sycamore Ave, El Segundo, CA 90245
We will respond to all requests within a reasonable timeframe and no later than 30 days.