1. Introduction

Confidra Insurance LLC (“Confidra,” “we,” “us,” or “our”) is a licensed insurance agency based in Florida. This Privacy Policy explains how we collect, use, and share information when you visit our website, communicate with us by phone, text, or email, or work with our licensed agents for insurance services. By using our website, submitting a form, or communicating with us, you agree to this Privacy Policy.

2. Information We Collect

• Contact information: name, address, phone number, email
• Demographic information: date of birth, ZIP code, state of residence
• Insurance information: Medicare/insurance preferences, plan selections, eligibility details, responses to needs assessments
• Health information: only when necessary to determine eligibility or benefits (e.g., Medicare Advantage or Part D)
• Technical information: IP address, browser type, and site interaction data
• Consent & preferences: opt-ins for SMS, phone, and email communication

3. How We Use Your Information

• Help you compare and enroll in Medicare Advantage, Prescription Drug, or Medicare Supplement plans
• Send requested quotes, follow-up information, and enrollment forms (e.g., Scope of Appointment)
• Respond to your questions and provide secure access to personalized quotes via email or SMS
• Meet regulatory obligations from the Centers for Medicare & Medicaid Services (CMS) and appointed carriers
• Maintain communication records for compliance and customer care

We do not sell, rent, or trade your personal information.

4. How We Share Your Information

We share information only as necessary for quoting, enrollment, communications, or legal requirements:

• With licensed insurance carriers and field marketing organizations (FMOs)
• With technology vendors supporting our services (e.g., Sunfire Matrix, Connecture, LeadStar, AgencyBloc, RingCentral)
• With government or regulatory agencies when required by law or CMS guidelines

All vendors are bound by confidentiality and data protection obligations.

5. SMS/Text Messaging Policy

If you opt in to receive SMS communications, we may send messages related to your insurance inquiry, such as:

• Access codes or secure links to quotes you requested
• Reminders to complete enrollment documents (e.g., Scope of Appointment)
• Follow-up messages or appointment confirmations

SMS consent is not shared with third parties. Consent is not a condition of purchase. You may opt out at any time by replying STOP. Message and data rates may apply.

6. Email Communications

By providing your email, you consent to receive relevant plan information, quotes, and documentation electronically. You may unsubscribe from non-essential emails at any time by using the unsubscribe link included in each message.

7. Data Security

We use industry-standard encryption, secure servers, and access controls. Only authorized personnel and licensed agents can access your information.

8. Retention of Information

We retain records as required by CMS and applicable state insurance departments to verify compliance and support legitimate business operations.

9. Your Rights

You may request access to or correction of your information, withdraw consent for non-essential communications, or file a complaint with CMS or your state Department of Insurance if you believe your data was misused. To exercise your rights, contact us using the information below.

10. Updates to This Policy

We may update this Privacy Policy periodically. Changes will be posted here with an updated effective date.

11. Contact Us