Privacy Policy

When you submit a form on this site, we collect the details you give us: your first and last name, email address, phone number, the services you are interested in, and anything you write in the message field.

We also collect limited technical information automatically when you visit, such as browser and device type, the pages you view, and your approximate location derived from your IP address.

If you speak with a licensed agent, we may add notes about your inquiry and the information needed to review plan options with you.

We use your information to respond to your request, review the options available to you, help you enroll in a plan you choose, and answer your questions.

We also use it to send the communications you ask for, to keep records required of licensed insurance agents, and to improve how this site works.

By providing your phone number or email address, you agree that Clear Harbor Advisors or a licensed agent may contact you by phone call, text message, or email at the contact information you provide, including through the use of automated technology. Your consent is not a condition of purchasing any product or service.

You can opt out at any time: reply STOP to a text message, use the unsubscribe link in an email, or tell the agent who contacts you. Message and data rates may apply.

We share information with insurance carriers, plan sponsors, and enrollment partners when that is needed to review options and complete an application you ask for.

We also use service providers that help us operate this site and our business, such as hosting, email, and customer relationship tools, and we share information when the law requires it.

We do not sell your personal information.

This site may use cookies and similar technologies to remember your preferences and understand how visitors use the site. You can control or delete cookies through your browser settings; some parts of the site may not work as intended if you do.

We keep your information for as long as needed to serve you and to meet our business, licensing, and legal recordkeeping obligations, then we delete or de-identify it.

We use reasonable administrative and technical safeguards to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

You may ask us to access, correct, or delete the information we hold about you, and you may ask us to stop sending marketing communications. Depending on where you live, you may have additional rights under state privacy laws.

To make a request, email us at ellicekoci@clrhrbr.com. We may need to verify your identity before we act on a request.

This site is intended for adults. We do not knowingly collect information from anyone under 18. If you believe a child has provided information to us, contact us and we will delete it.

We may update this policy from time to time. When we make a material change, we will post the revised policy here with a new effective date.

Not affiliated with the U.S. government or CMS. A licensed agent may contact you regarding this insurance-related information. 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 your options.