Privacy Policy

Legacy, Wealth, and Estate Planning LLC, doing business as American Senior Benefits ("we," "us," or "our"), respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, contact our Cedar Park, Texas office, or request information about Medicare, insurance, or retirement planning services.

Please read this policy carefully. By using our website or submitting information to us, you consent to the practices described below.

1. Information We Collect

We collect information you provide directly to us and information collected automatically when you use our website.

Information you provide to us

• Contact and identity information — such as your name, mailing address, email address, and telephone number when you complete a quote request, contact form, or schedule a consultation.
• Eligibility and coverage information — such as date of birth, ZIP code, Medicare status, and general information about your insurance needs that you choose to share so we can assist you.
• Communications — records of correspondence and notes from phone calls, emails, or meetings.

Information collected automatically

• Usage and device data — such as your IP address, browser type, pages viewed, referring website, and the dates and times of your visits.
• Cookies and similar technologies — small data files placed on your device that help the website function and allow us to understand how visitors use the site. You can disable cookies through your browser settings, though some features may not function properly as a result.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide the products, services, and quotes you request;
• Communicate with you about insurance and retirement planning options that may be relevant to you;
• Maintain accurate records as required for insurance and regulatory purposes;
• Operate, maintain, secure, and improve our website;
• Comply with applicable laws, regulations, and lawful requests from government authorities.

3. How We Share Your Information

We do not sell your personal information. We may share your information only as described below:

• Insurance carriers and underwriters — to obtain quotes, submit applications, and service the coverage you request.
• Service providers — third parties that perform services on our behalf, such as website hosting, customer relationship management, and communications tools, who are obligated to protect your information.
• Legal and regulatory authorities — when required by law, subpoena, or to protect our rights, your safety, or the safety of others.

4. Protected Health Information

Certain information you share with us in connection with Medicare or health-related insurance may constitute protected health information. We limit the collection of such information to what is reasonably necessary to assist you and maintain it in accordance with applicable privacy and security standards.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, to provide ongoing service to you, and to comply with our legal, regulatory, and recordkeeping obligations. When information is no longer required, we take reasonable steps to securely delete or de-identify it.

6. Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, loss, misuse, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Third-Party Links

Our website may contain links to third-party websites, including insurance carriers and the federal Medicare website. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any website you visit.

8. Children's Privacy

Our website and services are intended for adults. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has provided us with personal information, please contact us so we can remove it.

9. Your Choices and Rights

You may opt out of marketing communications at any time, request access to or correction of your information, or ask that we delete information we hold about you, subject to legal and recordkeeping requirements. To learn how to opt out of telephone solicitations, see our Do Not Call Policy. To learn more about your state privacy rights, see our Consumer Privacy Notice and Do Not Sell My Information page.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above. Material changes will be reflected on this page, and your continued use of our website after any change constitutes acceptance of the updated policy.