Privacy Policy

Guidance Before 65 ("we," "us," or "our") is a registered DBA (Doing Business As) of Hail Financial Group, LLC, a Limited Liability Company and licensed insurance agency. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you visit our website, contact us, request a consultation, or otherwise interact with our services.

By using our website or providing your information to us, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We collect information you provide directly to us, including when you complete a form, book a consultation, or contact us. This may include:

• Contact information — such as your first and last name, email address, phone number, ZIP code, and mailing address.
• Insurance-related information — such as your age, coverage interests, and information relevant to comparing plan options, which you choose to share.
• Communication records — such as your consent selections, the date and time of your submission, and records of our correspondence with you.

We also automatically collect certain technical information when you visit our website, such as your IP address, browser type, device information, and pages viewed, through cookies and similar tracking technologies (see Section 7).

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide the guidance and services you request;
• Schedule and conduct consultations with a licensed insurance agent;
• Compare and present health insurance and Medicare-related plan options available to you;
• Send appointment confirmations, reminders, and service-related communications;
• Send marketing and promotional communications where you have consented;
• Comply with legal, regulatory, and insurance-licensing obligations; and
• Operate, maintain, and improve our website and services.

3. SMS / Text Messaging Communications

If you provide your mobile phone number and opt in, you consent to receive text messages from Guidance Before 65 (a DBA of Hail Financial Group, LLC). The types of messages may include:

• Appointment confirmations, reminders, and scheduling messages;
• Responses to your questions and customer service follow-ups;
• Plan option information, quote follow-ups, and enrollment period notifications; and
• Promotional and marketing messages, where you have separately consented.

Consent is not a condition of purchase or of any service. Message frequency varies. Message and data rates may apply. You can opt out of text messages at any time by replying STOP to any message. For help, reply HELP. Opting out of SMS will not affect your ability to otherwise communicate with us.

By opting in, you confirm that you are at least 18 years old and that you are the subscriber or customary user of the phone number provided.

4. How We Share Your Information

We do not sell your personal information. We may share information in the following limited circumstances:

• Service providers — with vendors who perform services on our behalf (such as CRM, scheduling, messaging, hosting, and compliance providers), solely to deliver our services to you.
• Insurance carriers and licensed agents — with carriers and appointed licensed agents as necessary to provide quotes, enroll you in coverage you request, or service your policy.
• Legal and regulatory — when required by law, regulation, subpoena, or to protect our rights, safety, or the rights and safety of others.

As stated above, mobile information and SMS consent records are never shared with third parties or affiliates for their own marketing or promotional purposes.

5. Your Choices and Rights

• Marketing communications — you may opt out of marketing emails by using the unsubscribe link, or opt out of marketing texts by replying STOP.
• Access and correction — you may request access to, correction of, or deletion of your personal information by contacting us using the details below, subject to applicable law and our recordkeeping obligations.
• Do Not Call — you may ask to be added to our internal do-not-call list at any time.

6. Data Retention and Security

We retain your information for as long as necessary to provide our services, comply with our legal and regulatory obligations (including recordkeeping of consent for insurance and messaging compliance), resolve disputes, and enforce our agreements. We use reasonable administrative, technical, and physical safeguards designed to protect your information; however, no method of transmission or storage is completely secure.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to operate the site, remember your preferences, analyze traffic, and measure the effectiveness of our communications. You can control cookies through your browser settings. Disabling cookies may affect certain features of the website. We may use analytics and advertising technologies (such as web analytics and pixel-based tracking) to understand site usage and improve our services.

8. Children's Privacy

Our website and services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children under 18. If you believe a child has provided us information, please contact us so we can delete it.

9. Third-Party Links

Our website may contain links to third-party websites, including Medicare.gov and carrier sites. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or your information, contact us at: