Privacy Policy & SMS Terms

01. Overview & Who We Are

This Privacy Policy describes how Agent Amber Cares ("we," "us," or "our")—the licensed health insurance practice of Amber Commins—collects, uses, and protects information when you visit our website, contact us by phone, email, or text message, or otherwise interact with us in connection with Medicare insurance products.

Amber Commins is a licensed health insurance agent specializing in Medicare Advantage, Medicare Supplement, and Prescription Drug Plans, operating from Conroe, Texas. We are an independent agent appointed with multiple insurance carriers; we do not represent the federal Medicare program or any government agency.

By using our website or services, you agree to the practices described in this Policy. If you do not agree, please do not use our website or submit information to us.

02. Information We Collect

We collect information you provide directly to us and, to a limited extent, information that is automatically collected when you visit our website.

Information you provide

• Contact information: Name, email address, phone number, and mailing address (when you submit a form, request information, or schedule an appointment).
• Health and insurance information: Information about your current coverage, doctors, prescriptions, health conditions, and Medicare eligibility, which you share voluntarily during a needs analysis.
• Communication preferences: Your preferred method of contact and consent choices.
• Enrollment information: If you choose to enroll in a Medicare plan with our assistance, additional information required by the insurance carrier (such as Medicare number, date of birth, and Scope of Appointment) may be collected.

Information collected automatically

• Device and usage data: IP address, browser type, operating system, pages viewed, and date/time of access.
• Cookies and similar technologies: See Section 06 below.

03. How We Use Information

We use the information we collect to:

• Respond to your inquiries, requests for information, and questions.
• Conduct a personal needs analysis and present Medicare plan options that fit your situation.
• Submit enrollment applications to insurance carriers on your behalf, with your consent.
• Send appointment reminders, plan review notifications, and important Medicare-related updates (including during the Annual Enrollment Period).
• Comply with applicable laws, including Centers for Medicare & Medicaid Services (CMS) marketing and recordkeeping rules.
• Improve our website and services.

04. Information Sharing

We treat your information as confidential. We share it only as follows:

• With insurance carriers and partners when necessary to research, quote, or submit an application for a plan you have chosen.
• With service providers who help us operate our business (e.g., customer relationship management software, scheduling tools, email and SMS platforms). These providers are contractually required to protect your information and use it only for the services they perform for us.
• When required by law, including in response to lawful requests by public authorities or to comply with CMS, state insurance department, or other regulatory requirements.

05. SMS / Text Message Terms

By providing your mobile phone number and checking the SMS consent box on any of our forms—or by texting us directly—you agree to the following SMS Terms of Service.

Program description

Agent Amber Cares uses SMS text messages to communicate with prospective and current clients about Medicare insurance products. Messages may include:

• Responses to your inquiries and questions.
• Appointment scheduling, confirmations, and reminders.
• Annual plan review notifications and enrollment-period reminders.
• Follow-ups related to a quote, application, or active policy.
• Invitations to educational events (such as Turning 65 workshops).

Message frequency

Message frequency varies based on your interactions with us. Most clients receive fewer than 6 messages per month. You may receive more frequent messages around your enrollment period or while an application is in progress.

Message and data rates

Message and data rates may apply. Standard message and data rates from your mobile carrier may apply to any SMS messages you send to or receive from us. Agent Amber Cares is not responsible for any charges from your mobile carrier.

How to opt out

You can cancel the SMS service at any time. Simply text one of the following keywords to the number from which you received messages:

After you send one of these keywords, you will receive a confirmation message that you have been unsubscribed. After that, you will no longer receive SMS messages from us. If you wish to re-enroll, text START or contact us directly.

How to get help

If at any time you need assistance or have questions about our SMS service, text HELP to the number from which you received messages, or contact us at:

• Phone: (936) 697-6052
• Email: [email protected]

Supported carriers

Our SMS service is available on most major U.S. wireless carriers, including AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, U.S. Cellular, MetroPCS, Cricket, Virgin Mobile, and others. Carriers are not liable for delayed or undelivered messages.

Privacy of SMS information

Information you share with us via SMS—including your phone number and the content of your messages—is treated in accordance with this Privacy Policy. We do not share, sell, or otherwise disclose your mobile phone number or SMS opt-in information to third parties or affiliates for marketing purposes.

06. Cookies & Tracking

Our website uses cookies and similar technologies to function properly and to understand how visitors use the site. Cookies are small text files stored on your device that allow us to recognize your browser and remember certain information.

We use:

• Essential cookies required for the website to function.
• Analytics cookies that help us understand how visitors interact with the site (e.g., which pages are most visited).

You can disable cookies through your browser settings, but some parts of the site may not function as intended if you do.

07. Data Security

We use reasonable administrative, technical, and physical safeguards to protect the personal information we collect, including encrypted transmission of sensitive data and access controls on systems that store client information.

However, no method of transmitting or storing data over the internet is 100% secure. While we work hard to protect your information, we cannot guarantee absolute security.

08. Your Rights & Choices

You have the right to:

• Access the personal information we have about you.
• Correct inaccurate information.
• Request deletion of your information (subject to legal and regulatory recordkeeping requirements that apply to insurance transactions).
• Withdraw consent for SMS, email, or phone communications at any time.
• Opt out of marketing communications by following the unsubscribe instructions in any message or by contacting us directly.

To exercise any of these rights, contact us using the information in Section 11.

09. Children's Privacy

Our website and services are directed to adults seeking Medicare insurance information and are not intended for children under 18. We do not knowingly collect personal information from children. If we become aware that we have collected such information, we will delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Effective" date at the top of this page and, where appropriate, provide additional notice on our website or via direct communication.

We encourage you to review this Policy periodically.

11. Contact Us

For questions about this Privacy Policy, our SMS Terms, or how we handle your information, please reach out: