This Privacy Policy explains how we collect, use, disclose, and protect your information when you interact with our content, websites, guides, forms, and advertisements, including through TikTok and related platforms.
By visiting our website, downloading our educational materials, or submitting your information through a form, you consent to the practices described in this Privacy Policy.
1. Who We Are
We are an independent insurance agency and licensed Medicare insurance agency. We provide educational information related to Medicare, health insurance, life insurance, annuities, and retirement planning concepts.
We are not a registered investment advisor, broker-dealer, or securities firm, and we do not provide investment advice or manage investment accounts.
2. Information We Collect
We may collect the following types of information:
Personal Information (Voluntarily Provided)
Name
Email address
Phone number (mobile or landline)
ZIP code, county, or state
Age or Medicare eligibility timing (e.g., turning 65)
Automatically Collected Information
IP address
Browser type
Device type
Pages visited and time spent
Referral source (e.g., TikTok, Youtube, Instagram, etc.)
This information is collected through forms, cookies, pixels, analytics tools, and similar technologies.
3. How We Use Your Information
We use your information to:
Deliver educational Medicare and retirement-related guides
Respond to requests for information
Contact you regarding Medicare and insurance-related topics
Schedule appointments or consultations (if requested)
Provide ongoing educational communication
Improve our content, services, and user experience
Comply with legal and regulatory obligations
We do not sell your personal information.
4. Follow-Up Communications & Consent
By submitting your information, you expressly consent to receive follow-up communications from us, which may include:
Phone calls (including manual dialing)
Text messages (SMS/MMS)
Emails
Voicemails
These communications may relate to:
Medicare education
Insurance plan options
Enrollment timelines
Appointment reminders
Updates to laws, benefits, or educational materials
Message and data rates may apply.
You may opt out of communications at any time:
Text: Reply STOP
Email: Use the unsubscribe link
Phone: Request removal during a call
Opting out does not affect your ability to access previously provided educational materials.
5. Medicare & CMS Compliance Notice
We do not offer every plan available in your area.
Any information provided is for educational purposes only.
No plan enrollment is required to receive information.
Contacting us does not obligate you to enroll in any insurance plan.
All Medicare-related content complies with applicable Centers for Medicare & Medicaid Services (CMS) marketing and communication guidelines.
6. No Investment or Securities Advice
Information provided through our content, guides, videos, emails, or consultations:
Is general educational information only
Is not investment, legal, or tax advice
Does not constitute recommendations regarding securities
We do not provide advice on stocks, bonds, mutual funds, or other securities. Any discussion of annuities or insurance products is limited to insurance-based solutions offered through licensed insurance carriers.
You should consult a qualified financial advisor, tax professional, or attorney regarding your specific financial situation.
7. Third-Party Services
We may use trusted third-party services for:
Website hosting
CRM and marketing automation
Email and text delivery
Analytics and tracking
Scheduling and form processing
These providers only have access to information necessary to perform their services and are required to protect your information.
TikTok, Meta, Google, and other platforms may collect data independently under their own privacy policies.
8. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no system can be guaranteed 100% secure.
By using our services, you acknowledge that you provide information at your own risk.
9. Your Privacy Rights
Depending on your state of residence, you may have rights to:
Access your personal information
Request correction or deletion
Limit certain uses of your information
To make a request, contact us using the information below.
10. Children’s Information
Our content and services are intended for individuals 18 years of age or older. We do not knowingly collect information from children under 18.
11. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.
Continued use of our services constitutes acceptance of the updated policy.
12. Contact Information
If you have questions about this Privacy Policy or your data, contact:
Caleb Smith, insurance advisor
Phone: (417) 299-0118
Email: [email protected]
Website: RetirementWithCaleb.com
Educational Disclosure:
Nothing on this site, in our videos, or in our guides should be interpreted as a guarantee of benefits, coverage, or costs. Insurance coverage is subject to carrier underwriting rules and Medicare regulations.