Privacy Policy

1. Information We Collect

When you submit a request through our website, we collect the following categories of personal information:

• Contact information: your name, email address, and phone number.
• Demographic information: your age, zip code, and state of residence.
• Health-related preferences: the type of coverage or service you are looking for (for example, Medicare supplement, final expense insurance, home care).
• Request context: additional details you choose to provide about your situation or preferences.
• Device and usage data: IP address, browser type, pages visited, time spent on site, and referral source.
• Cookie data: see Section 5 for details.

We do not knowingly collect information from individuals under the age of 18.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To match you with licensed professionals who can help with your specific needs.
• To contact you by phone or email in connection with your request.
• To improve and personalize your experience on our website.
• To analyze usage trends and optimize our service.
• To comply with applicable legal obligations.
• To prevent fraud and protect the security of our platform.

3. Who We Share Your Information With

SmarterSenior is a matching service. The purpose of our platform is to connect you with licensed professionals who can address your needs. Accordingly, we share your information with:

• Matching partners: licensed insurance agents, brokers, home care agencies, and other service providers who are qualified in your state and whose services match your stated needs. These partners may contact you by phone or email.
• Service providers: third-party vendors who help us operate our website and deliver our service (for example, analytics platforms, email service providers, CRM software). These providers are contractually bound to use your data only to perform services on our behalf.
• Legal authorities: when required by law, subpoena, or court order, or when we believe disclosure is necessary to protect our rights or comply with a legal obligation.
• Business transfers: in connection with a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the successor entity.

4. Sale of Personal Information

Under the California Consumer Privacy Act (CCPA) and similar state laws, sharing personal information with our matching partners in exchange for compensation may qualify as a “sale” of personal information.

California residents and residents of other states with applicable privacy laws have the right to opt out of the sale of their personal information. To exercise this right, visit our Do Not Sell My Personal Information page or contact us at contact@smarter-senior.com.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to operate our website and improve your experience. These include:

• Essential cookies: required for the website to function properly. They cannot be disabled.
• Analytics cookies: used to understand how visitors interact with our website (for example, Google Analytics). This data is aggregated and anonymous.
• Advertising cookies: used to track the effectiveness of our marketing campaigns and to show relevant ads on third-party platforms.

You can manage your cookie preferences through your browser settings or by using the cookie consent banner displayed on our site. Note that disabling certain cookies may affect the functionality of the website.

6. Your Privacy Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Right to know: you may request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to delete: you may request that we delete the personal information we hold about you, subject to certain exceptions.
• Right to opt out: you may opt out of the sale of your personal information.
• Right to non-discrimination: we will not discriminate against you for exercising any of your privacy rights.
• Right to correct: you may request that we correct inaccurate personal information we hold about you.

To submit a request, contact us at contact@smarter-senior.com. We will respond to verifiable consumer requests within 45 days.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required by law. In general, contact information associated with a submitted request is retained for up to 24 months. You may request deletion of your data at any time by contacting us.

8. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to take steps to protect your own information online.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised “Last updated” date. We encourage you to review this page periodically.