This Precursor Media Privacy Policy discloses the information privacy practices for the website that you are currently visiting. Throughout this Privacy Policy, we refer to combinations of data that can identify you as a specific individual, such as your name combined with your email address, as “personally-identifiable information.”

1. We may collect personally-identifiable information from you if you make one of the following requests on this website:

• Requesting an agent’s assistance in finding a Medicare-related insurance product;
• Requesting assistance with enrolling in a particular Medicare product; and
• Signing-Up to receive informational material and periodic updates from our website.

2. We do not disclose your personally-identifiable information to third parties, unless one of the following limited exceptions applies.

• Product Requests: If you request to be contacted about Medicare-related products or request assistance with enrolling in a particular Medicare product, then we may disclose your personally-identifiable information to an insurance agency or an insurance company who may contact you about Medicare-related products or may assist you in enrolling in a particular Medicare-product. Any information that you subsequently choose to provide to such insurance agency or insurance company will be governed by that entity’s privacy policy.
• Referral Partner: If you were referred to this website by one of our partners, then we may be required to disclose your contact information to the partner who referred you to this website.
• Service Providers: We may disclose personally-identifiable information to other companies that perform services on our behalf if such disclosure is necessary to perform the service that we request from such company. For example, we may disclose personally-identifiable information to a company who helps us correspond with you. Please be assured that the companies we hire to correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
• Legal Obligations: We may disclose or report your personally-identifiable information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes

3. We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.

o    Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the total number of visitors to our website from a particular state.

• We use anonymous information primarily for marketing purposes and to improve the services we offer you.
• We may use “Cookies,” “Clear Gifs,” “Internet Protocol” addresses and other monitoring technologies to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below.

4. We protect the confidentiality and security of your personally-identifiable information.

• We maintain physical, electronic and procedural safeguards to protect your personally-identifiable information. We employ techniques for assuring data security including firewalls, anti-virus software, and network perimeter testing.

5. We continue to evaluate our efforts to protect your personally-identifiable information and make every effort to keep your personally-identifiable information accurate and up to date.

• If you want to correct or update your contact information, you may contact us by email at privacy at Precursor Media.com or by mail at Privacy, Precursor Media, Inc. PO BOX 547, Belmont, CA 94002.

6. California Consumer Privacy Act:

This section of the Privacy Policy supplements the information contained elsewhere in our Privacy Policy and applies to visitors, users, and others who reside in the state of California (“Consumers”). The provisions contained within this section are intended to provide notices in compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined by the CCPA have the same meaning when used in this section.

Personal Information Collected

MedicareConsumer.com  (“we,” “us,” or “our”) collects Personal Information provided by Consumers through the Site. In the past 12 months, we have collected the following information from Consumers:

Category of Information Internet or other electronic network activity information

Directly from Consumers or their agents, such as through Consumers’ responses to forms on this Site. The categories of Personal Information described above are collected from the following categories of sources:

• Directly and indirectly from activity on the Site, such as through Consumers’ interaction with this Site.
• From third-parties that work with us to provide services to Consumers, such as the third-parties that we connect Consumers with to fulfill their requests.

Uses of Personal Information

The information we collect is used to:

• Fulfill the purpose for which the information was provided by the Consumer
• Perform the activities described to you when collecting your personal information or as set forth in the CCPA
• Provide the Consumer with information, products, or services that have been requested
• Perform internal and external marketing
• Carry out obligations and enforce contractual rights
• Improve the services provided through the Site, such as through testing, research, analysis, and development
• Respond to requests from law enforcement and government organizations as required by law, court order, or government regulation
• Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets whether on an ongoing basis or as part of a discrete transaction in which collected personal information is among the assets transferred

Additional categories of Personal Information will not be collected or used for materially different purposes without first providing the Consumer with notice.

Sharing and Sale of Personal Information

We may sell or disclose Personal Information provided to us by Consumers for a business purpose. In the past 12 months, the following categories of Personal Information have been sold or disclosed for a business purpose:

• Identifiers
• Characteristics of protected classifications under California or federal law
• Commercial information
• Internet or other electronic network activity
• Geolocation data
• Professional or employment-related information
• Education information
• Inference data

Consumers’ Personal Information is sold or disclosed for business purposes to the following categories of third-parties:

• Privacy and compliance service providers
• Insurance companies
• Insurance carriers
• Mortgage companies
• Marketing companies
• Brokers/Agents
• Call centers
• Lead buyers
• Lead generators
• Advertising agencies

Personal Information for minors under 16 years of age is neither collected, disclosed, nor sold.

Consumer’s Rights

Consumers have several rights under the CCPA. These include:

• The right to know what categories and specific pieces of Personal Information are collected, disclosed for a business purpose, or sold by requesting this information from us
• The right to request deletion of Personal Information collected or maintained by us
• The right to opt-out of the sale of Personal Information
• The right not to receive discriminatory treatment by us for choosing to exercise privacy rights under the CCPA
• The right to designate an authorized agent for making requests under the CCPA on the Consumer’s behalf

Even after fulfilling a request for deletion, we are required to maintain records for statutory compliance.

To submit a request to know or delete Personal Information, please send an email to cparequest@precursormedia.com. Once we have received a request, we work with Consumers to verify the request. As part of the verification process, we may ask a Consumer to provide their first and last name, phone number, email, and/or address.

To opt-out of the sale of Personal Information, please email cparequest@precursormedia.com to opt out.

To designate an authorized agent to submit requests under the CCPA on the Consumer’s behalf, please send an email to cparequest@precursormedia.com

7.   We will provide notice of changes in our information privacy practices.

• If we are going to use your personally-identifiable information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personally-identifiable information in this different manner. In addition, if we make any material changes to our information privacy practices that do not affect the personally-identifiable information already stored in our database, we will post a prominent notice in the privacy portion of our website notifying users of the change.

8. OPT-OUT: You may opt-out of receiving satisfaction surveys, newsletters, periodic updates, and/or information on additional products and services from us. If you want to opt out of these surveys and/or notices, you may contact us at optout@medicareconsumer.com or by mail at OPT-OUT, Precursor Media, Inc. PO BOX 432, Palo Alto, 94302.
9. This Privacy Policy applies to this website, and may not apply to other websites that are owned and/or operated by Precursor Media LLC.

Additional Information About Privacy and Security at Precursor Media

Please click on a topic below to get more information about privacy and security at Precursor Media.

Cookies and Clear Gifs

“Cookies” are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a website. Our website may use cookies to make your online experience more convenient. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate our website. We do not collect any personally-identifiable information from cookies. Further, no other information we collect from cookies can be linked back to your personally-identifiable information. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without a cookie, you can still use most of the features on our website.

“Clear gifs” are tiny graphics with a unique identifier, similar in function to cookies, that are used to track the online movements of website users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies. We do not collect any personally-identifiable information from clear gifs. Further, no information we collect from clear gifs can be linked back to your personally-identifiable information.

We use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors to help us administer our website, improve our website’s performance and to report website traffic. These web analytics services use cookies, clear gifs and other web monitoring technologies to help track visitor behavior on our behalf. These services do not use these technologies to collect any personally-identifiable information from website visitors.

Browsers and Internet Security

You can tell if you are visiting a secure area within a website by looking at the symbol on the bottom of your browser screen. If you are using Internet Explorer or Netscape Navigator, you will see either a lock or a key. When the padlock is in the locked position, your session connection is taking place via a secure server.

If you need a strong encryption browser, you can go to the Microsoft website or the Netscape website to download the latest Internet Explorer or Navigator browser. We do not recommend the use of beta browser versions or browsers that have not been updated with the manufacturer’s latest security updates.

Security Risk of Using Non-Approved Automated Software Applications

For security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as Microsoft’s Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. Under no circumstance should you use any software, program, application or any other device to access the Precursor Media website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.

Links to Other Websites

Our website contains links to other websites. Please note that when you click on one of these links you are “clicking” to another website. Precursor Media is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.