Privacy Policy

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Introduction

The American Medicare Council (“we,” “us,” or “our”) operates the website americanmedicarecouncil.org (the “Site”). We are committed to protecting the privacy and security of our visitors and users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site and use our interactive Medicare tools and resources.

By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Site.

Information We Collect

We collect information from you in several ways when you visit our Site and interact with our services.

Personal Information You Provide

Email Address and Contact Information. When you submit your email address through our contact forms or tool access forms, we collect your email address and any additional information you voluntarily provide, such as your name, phone number, zip code, age, and Medicare eligibility status. This information is primarily collected through WPForms, our form management system, and is used to provide you with access to our Medicare tools and resources, send you educational materials, and connect you with licensed insurance agents who can assist with your Medicare needs.

Tool Interaction Data. When you use our interactive Medicare tools—including the Medicare Penalty Calculator, Medigap Plan Finder, Medicare Cost Calculator, State Resource Directory, Open Enrollment Action Plan, Medicare Enrollment Checklist, Medigap Comparison Chart, and Prescription Drug Worksheet—we may collect the information you enter into these tools. This information helps us provide personalized results and recommendations. The data you enter into these tools is processed locally in your browser and is not automatically transmitted to our servers unless you explicitly submit a form requesting assistance or additional information.

Inquiry and Communication Information. If you contact us directly via email, phone, or through our contact forms, we collect the information you provide in your communications, including your name, email address, phone number, and the content of your message or inquiry.

Automatically Collected Information

Usage and Analytics Data. We automatically collect certain information about your device and how you interact with our Site. This includes your IP address, browser type and version, operating system, referring URLs, pages viewed, time spent on pages, and other diagnostic data. We use this information to analyze trends, administer the Site, track user navigation patterns, and gather demographic information about our user base.

Cookies and Similar Technologies. We use cookies, web beacons, and similar tracking technologies to enhance your experience on our Site. Cookies are small data files stored on your device that help us remember your preferences and understand how you use our Site. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted or expired).

Local Storage. Our interactive tools use browser local storage to remember your access permissions after you submit your email address. Specifically, we store an access token (stored as “amc_tool_access”) and the date you gained access (stored as “amc_access_date”) in your browser’s local storage. This allows you to access all eight of our Medicare tools without re-submitting your email address on subsequent visits. This data is stored only in your browser and is not transmitted to our servers. You can clear this data at any time by clearing your browser’s local storage or cache.

Third-Party Information

Information from Insurance Partners. If you request to be connected with a licensed insurance agent through our Site, we may receive confirmation from our insurance partners regarding whether they were able to contact you and assist with your Medicare needs. This helps us improve our services and ensure you receive the assistance you requested.

How We Use Your Information

We use the information we collect for various purposes related to operating our Site and providing Medicare education and assistance services.

Providing Access to Tools and Resources. We use your email address to grant you access to our suite of eight interactive Medicare tools. Once you submit your email address through any of our tool pages, you gain permanent access to all tools across your browsing sessions through the use of local storage technology.

Educational Communications. We use your email address and contact information to send you educational materials about Medicare, including information about enrollment periods, coverage options, plan changes, and important deadlines. These communications help you make informed decisions about your Medicare coverage.

Connecting You with Licensed Agents. When you request assistance or express interest in Medicare plans, we share your contact information with licensed insurance agents and brokers who can provide personalized guidance and help you enroll in Medicare plans. These agents are independent contractors or employees of insurance agencies with whom we have partnerships.

Improving Our Services. We analyze usage data and user interactions with our tools to understand how visitors use our Site, identify areas for improvement, and develop new resources and tools that better serve the Medicare community.

Responding to Inquiries. We use your contact information to respond to your questions, comments, and requests for information or assistance.

Legal Compliance and Protection. We may use your information to comply with applicable laws, regulations, and legal processes, to enforce our Terms of Service, to protect our rights and property, and to protect the safety and security of our users and the public.

Marketing and Advertising. With your consent where required by law, we may use your information to send you promotional materials, newsletters, and other marketing communications about our services and those of our partners. You can opt out of these communications at any time by following the unsubscribe instructions included in each email or by contacting us directly.

How We Share Your Information

We share your information with third parties only in the ways described in this Privacy Policy.

Insurance Agents and Brokers. When you submit your information through our Site requesting assistance with Medicare plans or expressing interest in specific coverage options, we share your contact information (including name, email address, phone number, zip code, and any other information you provide) with licensed insurance agents and brokers. These professionals use your information to contact you, assess your Medicare needs, and help you enroll in appropriate Medicare plans. We carefully select our insurance partners, but we are not responsible for their use of your information once it has been shared. We encourage you to review the privacy policies of any insurance agents or brokers who contact you.

Service Providers. We engage third-party companies and individuals to perform services on our behalf, including website hosting, data analysis, email delivery, customer service, and marketing assistance. These service providers have access to your personal information only to perform these tasks on our behalf and are obligated to protect your information and use it only for the purposes for which it was disclosed. Our current service providers include WPForms for form management and data collection.

Analytics Partners. We use analytics services to help us understand how users interact with our Site. These services may collect information about your use of our Site and other websites over time. The analytics data we collect includes page views, unique visitors, session duration, and user navigation patterns. This information is typically anonymized or aggregated and does not identify you personally.

Legal Requirements and Protection. We may disclose your information if required to do so by law or in response to valid requests by public authorities, such as a court order or subpoena. We may also disclose your information when we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

Business Transfers. If we are involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on our Site of any change in ownership or use of your personal information, as well as any choices you may have regarding your information.

Aggregated or De-Identified Information. We may share aggregated or de-identified information that cannot reasonably be used to identify you. For example, we may share statistics about Medicare tool usage or demographic trends with partners or the public without revealing any personally identifiable information.

Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized services.

Types of Cookies We Use. We use several types of cookies on our Site. Essential cookies are necessary for the Site to function properly and cannot be disabled in our systems. These cookies enable core functionality such as security, network management, and accessibility. Analytics cookies help us understand how visitors interact with our Site by collecting and reporting information anonymously. Functional cookies enable enhanced functionality and personalization, such as remembering your preferences and settings. Advertising cookies may be used to deliver relevant advertisements to you based on your interests.

Managing Cookie Preferences. Most web browsers are set to accept cookies by default. You can choose to set your browser to remove or reject cookies, but this may affect the availability and functionality of our Site. If you choose to disable cookies, some features of our tools and resources may not function properly. You can typically find cookie management options in your browser’s settings or preferences menu.

Local Storage Technology. In addition to cookies, our interactive tools use HTML5 local storage to maintain your access permissions. When you submit your email address to access our Medicare tools, we store an access token in your browser’s local storage. This allows you to access all eight tools without re-entering your email on future visits. This data is stored only on your device and is not transmitted to our servers. You can clear local storage data through your browser settings, typically in the same location where you manage cookies and cached data.

Do Not Track Signals. Some web browsers have a “Do Not Track” feature that lets you tell websites that you do not want to have your online activities tracked. Our Site does not currently respond to Do Not Track signals or similar mechanisms.

Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, use, alteration, and disclosure.

Security Measures. Our security measures include encryption of data in transit using SSL/TLS protocols, secure server infrastructure, regular security assessments, access controls limiting who can access personal information, and employee training on data protection and privacy practices. We use industry-standard security practices to protect the information we collect and store.

Limitations of Security. While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security of your information. Any transmission of personal information is at your own risk, and we are not responsible for circumvention of any privacy settings or security measures contained on the Site.

Third-Party Security. When we share your information with insurance agents, brokers, or other third-party service providers, we require them to maintain appropriate security measures. However, we cannot control or guarantee the security practices of these third parties, and we encourage you to review their privacy and security policies.

Data Breach Notification. In the event of a data breach that affects your personal information, we will notify you in accordance with applicable law. Notification may be provided via email, through a notice on our Site, or by other appropriate means depending on the circumstances and legal requirements.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Email and Contact Information. We retain your email address and contact information for as long as you continue to use our services or until you request deletion. If you have not interacted with our Site or communications for an extended period (typically three years), we may delete or anonymize your information unless we have a legal obligation to retain it.

Tool Usage Data. Information you enter into our interactive tools is processed locally in your browser and is not stored on our servers unless you submit a form requesting assistance. Analytics data about tool usage is typically retained in aggregated form indefinitely for statistical and improvement purposes.

Communications and Inquiry Records. Records of your communications with us, including emails and form submissions, are retained for as long as necessary to provide you with requested services and to comply with legal and regulatory requirements. This is typically three to seven years depending on the nature of the communication and applicable legal requirements.

Deletion Requests. If you request deletion of your personal information, we will delete or anonymize your data within a reasonable timeframe, typically within 30 days, unless we are required to retain certain information for legal, regulatory, or legitimate business purposes.

Your Privacy Rights

Depending on your location and applicable law, you may have certain rights regarding your personal information.

Access and Portability. You have the right to request access to the personal information we hold about you. You may also request a copy of your personal information in a structured, commonly used, and machine-readable format, and you have the right to transmit that information to another controller where technically feasible.

Correction and Update. You have the right to request that we correct any inaccurate personal information we hold about you and to complete any incomplete personal information. You can update your contact preferences and information by contacting us directly.

Deletion and Erasure. You have the right to request that we delete your personal information under certain circumstances, such as when the information is no longer necessary for the purposes for which it was collected, when you withdraw consent, or when you object to processing and there are no overriding legitimate grounds for continued processing. Please note that we may retain certain information as required by law or for legitimate business purposes.

Objection and Restriction. You have the right to object to our processing of your personal information under certain circumstances, particularly when we process your information for direct marketing purposes. You also have the right to request that we restrict the processing of your personal information under certain conditions.

Opt-Out of Marketing Communications. You can opt out of receiving promotional emails from us at any time by clicking the “unsubscribe” link at the bottom of our emails or by contacting us directly. Please note that even if you opt out of marketing communications, we may still send you non-promotional messages related to your use of our services or our ongoing business relationship.

Exercising Your Rights. To exercise any of these rights, please contact us using the contact information provided at the end of this Privacy Policy. We will respond to your request within a reasonable timeframe and in accordance with applicable law, typically within 30 days. We may need to verify your identity before processing your request to protect your personal information from unauthorized access.

Children’s Privacy

Our Site and services are not directed to children under the age of 18, and we do not knowingly collect personal information from children. Medicare is a program for individuals aged 65 and older or those with certain disabilities, and our content and tools are designed for this adult audience.

If we learn that we have collected personal information from a child under 18 without verification of parental consent, we will delete that information as quickly as possible. If you believe we might have information from or about a child under 18, please contact us immediately using the contact information provided below.

Third-Party Websites and Services

Our Site may contain links to third-party websites, services, and applications that are not owned or controlled by us. This Privacy Policy applies only to our Site and services.

Third-Party Links. When you click on a link to a third-party website, you will be directed to that third party’s site. We are not responsible for the privacy practices, content, or security of these external sites. We strongly advise you to review the privacy policy of every site you visit.

Insurance Partner Websites. When we connect you with licensed insurance agents or brokers, they may direct you to their own websites or enrollment platforms. These third-party sites have their own privacy policies and terms of service. We encourage you to review these policies before providing any personal information to these third parties.

Embedded Content. Our Site may include embedded content from other websites, such as videos, maps, or social media feeds. These embedded services may collect data about you, use cookies, and monitor your interaction with the embedded content. Your interactions with embedded content are governed by the privacy policy of the company providing the content.

California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and other California privacy laws.

Right to Know. You have the right to request that we disclose what personal information we collect, use, disclose, and sell about you. You can request this information up to twice in a 12-month period.

Right to Delete. You have the right to request that we delete the personal information we have collected from you, subject to certain exceptions.

Right to Opt-Out of Sale. While we do not “sell” personal information in the traditional sense, we do share contact information with insurance agents and brokers who may compensate us. You have the right to opt out of this sharing. To exercise this right, please contact us using the information provided below.

Right to Non-Discrimination. You have the right not to receive discriminatory treatment for exercising your CCPA privacy rights. We will not deny you services, charge you different prices, or provide you with a different level of service solely because you exercised your privacy rights.

Authorized Agent. You may designate an authorized agent to make requests on your behalf. We may require verification that you provided the authorized agent permission to submit the request and may require you to verify your identity directly with us.

California Shine the Light Law. California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided below.

International Users and Data Transfers

Our Site is operated in the United States, and our services are designed primarily for users located in the United States. If you are accessing our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated.

The United States may have data protection laws that are different from the laws of your country. By using our Site and providing your information, you consent to the transfer of your information to the United States and acknowledge that your information will be subject to U.S. law.

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, please note that we do not specifically target our services to individuals in these regions. If you choose to use our services from these locations, you do so at your own initiative and are responsible for compliance with local laws if and to the extent local laws are applicable.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy.

Notification of Changes. If we make material changes to this Privacy Policy that significantly affect your rights or how we use your personal information, we will notify you by posting a prominent notice on our Site or by sending you an email to the address you have provided. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Continued Use. Your continued use of our Site after any changes to this Privacy Policy constitutes your acceptance of the revised policy. If you do not agree with the changes, you should discontinue use of our Site and contact us to request deletion of your information.

Additional Information

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This Privacy Policy was last updated on November 4, 2025. By using our Site, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.