Privacy Policy

1. Introduction

Great Oak Insurance Solutions, LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website greatoakis.com or use our services.

2. Information We Collect

Information You Provide to Us

We may collect personal information that you voluntarily provide when you:

• Contact us by phone, text, or email
• Request a quote or consultation
• Apply for insurance coverage
• Ask us to follow up with you about coverage

This information may include:

• Name and contact information (email, phone number, address)
• Date of birth and age
• Health information (for insurance applications)
• Current insurance coverage information
• Any other information you choose to provide

Recorded Phone Calls

Medicare rules require licensed agents to record marketing and sales calls. Calls to and from our office about Medicare plans are recorded in their entirety, including the audio portion of any call held over video or web conferencing. You will hear a notice at the start of the call.

A recording may contain:

• Everything you and the agent say during the call
• Personal details you give us, including health and medication information
• Your current coverage, your doctors, and your pharmacy
• The date, time, and length of the call

If you would rather not be recorded, you are welcome to reach us by email or text instead, or to ask general questions without discussing a specific plan. We cannot complete a Medicare enrollment over the phone without recording the call.

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on pages
• Referring website addresses
• Date and time of visits

3. Cookies, Local Storage, and Tracking Technologies

Cookies

We use minimal, essential cookies that are necessary for the website to function properly. These are first-party cookies and do not track you across other websites. We do not use Google Analytics, Facebook Pixel, or any third-party tracking cookies.

Local Storage

We use your browser's local storage to save your cookie consent preferences. This data is stored only on your device and is never transmitted to our servers or any third parties.

Your Choices

When you first visit our website, you will see a cookie consent banner that allows you to accept or decline cookies. Your preference will be saved so you won't be asked again.

Most web browsers allow you to control cookies through their settings. You can choose to block or delete cookies, though this may affect your ability to use certain features of our website. You can also clear your local storage data through your browser's settings.

4. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and recommendations
• Process insurance applications and enrollments
• Communicate with you about your insurance needs and our services
• Send you important updates about your coverage or policy changes
• Comply with legal and regulatory requirements
• Improve our website and services
• Prevent fraud and enhance security

5. How We Share Your Information

We may share your personal information with:

• Insurance Carriers: To obtain quotes and process applications for insurance products
• Service Providers: Third-party companies that help us operate our business (e.g., email providers, hosting services)
• Legal Authorities: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for their marketing purposes.

6. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites and Medicare.gov. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

7. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

8. Your Health Information

To shop Medicare plans for you we often need health information — your medications, your doctors, conditions that affect which plan suits you. This section explains how we handle it and where your rights over it come from.

What we collect

Health information you give us may include:

• Medical history and current conditions
• Prescription medications you take
• Your current Medicare or insurance coverage
• The doctors and pharmacies you use

You give it to us when you ask for a quote, complete an application, talk to us by phone or text, or ask us to review the coverage you already have.

Where HIPAA fits

HIPAA regulates health plans, clearinghouses and health care providers. An independent insurance agency is not one of those. Where we handle health information on a carrier's behalf, we do so under that carrier's business associate agreement and are bound by its terms. We are also bound by California insurance privacy law and by the federal Gramm-Leach-Bliley Act, which govern how financial and insurance firms handle your information.

The practical consequence: your HIPAA rights over your medical records — seeing them, correcting them, getting an accounting of disclosures — run against your plan or your provider, not against us. Their contact details are on your member ID card, and you can reach Medicare directly at 1-800-MEDICARE. If you would rather not chase it alone, call us and we will help you make the request.

How we handle it

• We ask for the minimum. We only ask for what a carrier needs to quote or process your application.
• Only Christy and Frank see it. We are a two-person agency. Nobody else has access.
• Encrypted in transit.This site uses HTTPS, and we submit applications through the carriers' own secure portals.
• Not by unsecured email. Please do not email us medical details. Call or text instead — see the recorded-calls note in section 2.
• We do not sell it. Not to anyone, for any purpose.

Who we share it with

• Insurance carriers, to get you quotes and submit applications you have asked us to submit
• Nobody else, without your written permission, unless federal or state law requires it

If you want to know exactly what we hold about you, or want us to delete it, call or email and we will tell you plainly.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Insurance records may be retained for extended periods to comply with regulatory requirements.

Recorded calls. Medicare rules set how long we keep call recordings, and we follow them: recordings of marketing and sales calls are kept in full for at least six years. For the first three years they are kept as audio. For years four through six they may be kept either as audio or as a complete written transcript. Enrollment records are kept for ten years.

10. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-Out: Opt out of marketing communications at any time

To exercise these rights, please contact us using the information provided below.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, disclose, and sell, and the right to request deletion of your information.

12. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page indicates when the policy was last revised. We encourage you to review this policy periodically to stay informed about how we protect your information.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

• Email: info@greatoakis.com
• Phone: (951) 319-3545
• Address: Menifee, CA

15. Additional Information

For more information about our business practices, please review our Terms of Service.