Last Updated: 12-07-2025
Insurance, Technology & Services (“InsuranceTS,” “We,” “Us,” “Our”) is committed to protecting your privacy. This Privacy Notice explains how we collect, use, share, and safeguard information when you visit our website, submit forms, or interact with our representatives. By using our website or submitting your information, you agree to this Privacy Notice.
1. Information We Collect
We collect personal information you provide directly, as well as information automatically collected through your interactions with our website. This may include your name, address, phone number, email address, date of birth (when voluntarily provided for insurance purposes), Medicare or insurance inquiry details, and responses submitted through lead forms such as Facebook, Google, or landing pages. We may also collect technical information such as IP address, browser type, device details, general location, and pages visited.
We may receive information from social media accounts you authorize, referral partners, public record or compliance sources, and insurance carriers or enrollment platforms used to service your request.
2. How We Use Your Information
We use collected information to provide quotes, insurance guidance, and customer support; submit applications or inquiries; communicate with you regarding your inquiry; improve website performance and advertising relevance; comply with recordkeeping and industry regulations; and personalize services and recommendations.
3. Legal Basis for Use
Although we are not a HIPAA-covered entity, we treat your information confidentially. We process personal data based on your consent, contractual necessity (servicing your request), legal obligations under CMS, carrier, or state regulations, and legitimate business interests including analytics, fraud prevention, and recordkeeping.
4. Marketing & Communication Preferences
By submitting forms or contacting us, you may receive communications by email, phone, or text message for insurance-related purposes. You may opt out at any time by replying STOP to SMS messages or emailing Fitzpatrick@InsuranceTS.com.
5. Cookies & Tracking Technology
We use cookies, analytics tools, and remarketing systems including Google, Facebook, LinkedIn, and CRM platforms. These technologies may track usage patterns to improve service and relevance. You may disable cookies through your browser settings.
6. Sharing of Personal Information
We may share your information with licensed agents, service providers such as CRM or quoting platforms, insurance carriers for quoting or enrollment, compliance or regulatory agencies, and affiliated entities operating within the InsuranceTS brand. InsuranceTS does not sell personal information and does not disclose personal data for targeted or cross-context advertising.
7. Data Retention
We retain information only as long as required for CMS or carrier audits, legal recordkeeping, or servicing your account. You may request deletion except where retention is legally required.
8. Your Privacy Rights
Depending on your state, you may have the right to access your information, request corrections, request deletion, withdraw consent, or opt out of marketing communications. Requests may be submitted to Fitzpatrick@InsuranceTS.com.
9. Security Practices
We use commercially reasonable administrative, technical, and physical measures to protect your information. However, no online system is completely secure, and risks are inherent to electronic transmission.
10. Children’s Privacy
We do not knowingly collect information from children under age 13.
11. Links to Other Sites
Our website may contain links to third-party websites we do not control. We recommend reviewing their privacy policies before submitting personal information.
12. Changes to This Notice
We may update this Privacy Notice periodically. Revised versions will be posted with a new effective date. Continued site use constitutes acceptance of any updates.
13. Contact Information
For privacy questions, data requests, or compliance concerns, contact:
InsuranceTS — Privacy Contact
Email: Fitzpatrick@InsuranceTS.com
Phone: 605-740-0401
Website: https://InsuranceTS.com/contact-us
Last Updated: 12-07-2025
General Information Disclaimer
The information provided by Insurance, Technology & Services, doing business as InsuranceTS (“we,” “us,” or “our”), on https://InsuranceTS.com and related digital platforms (collectively, the “Site”) is for general informational and educational purposes only.
Although we make reasonable efforts to keep information current and accurate, we make no representation or warranty of any kind regarding accuracy, completeness, timeliness, reliability, suitability, or availability.
Your use of the Site and reliance on any information is strictly at your own risk. InsuranceTS shall not be held liable for damages or losses arising from the use of, or reliance on, any Site content.
No Insurance Contract or Coverage Guarantee
Nothing on this Site constitutes:an offer to sell insurance
Insurance coverage is not guaranteed until the carrier approves an application and all regulatory or underwriting requirements are met. InsuranceTS cannot guarantee coverage outcomes or benefit availability.
Plan Information & Quote Accuracy
Plan comparisons, benefits, rate illustrations, or savings examples on the Site or provided by our advisors are for informational purposes only and are not guarantees.
Final pricing, eligibility, underwriting, and benefits are determined solely by the insurance carrier, Medicare (CMS), or state insurance regulators. Benefits and rates change annually and may vary by ZIP code, age, underwriting rules, or carrier policy revisions.
InsuranceTS is not responsible for discrepancies between displayed information and carrier decisions or published plan data.
Medicare / CMS Compliance Notice
InsuranceTS is not affiliated with, endorsed by, or acting on behalf of Medicare, the U.S. Government, or the Centers for Medicare & Medicaid Services (CMS).
InsuranceTS is not connected with or endorsed by the U.S. Government or Medicare.
Plan availability, eligibility, and benefits vary by carrier and location. Consumers should verify current benefits directly with the issuing carrier.
No Legal, Financial, or Medical Advice
The Site does not provide legal advice, tax advice, medical guidance, or financial planning. All decisions relating to insurance or healthcare should be made with a licensed professional.
Testimonials / Results Disclaimer
Testimonials reflect individual client experiences. Results vary. InsuranceTS does not guarantee similar outcomes for all clients. Testimonials may be shortened for clarity or edited for grammar. If compensation is provided for an endorsement, it will be disclosed as required by FTC guidelines.
No Warranty on Outcomes
InsuranceTS does not guarantee Medicare or insurance eligibility, underwriting approval, premium savings, benefit payouts, claims decisions, or enrollment approval. Marketing phrasing such as “protect your future,” “maximize savings,” or similar terms are general promotional language, not guaranteed results.
Carrier Responsibility Notice
InsuranceTS may assist with applications or inquiries; however, carrier responsibilities—including benefit payment, policy issuance, billing, eligibility rules, formulary coverage, appeals, grievances, and customer service—are the sole responsibility of the carrier or governing regulatory entities, not InsuranceTS.
Communication Consent / TCPA Disclosure
By submitting contact information through our Site, email, forms, advertisements, or phone, you consent to being contacted by InsuranceTS via phone, SMS text message, voicemail, or email for insurance-related purposes. You may opt out by replying STOP or emailing Fitzpatrick@InsuranceTS.com. Standard messaging rates may apply.
External Links Notice
Our Site may include links to other websites. InsuranceTS does not control or guarantee their accuracy, security, or content. Users should review third-party policies before interacting with external sites.
Affiliate Disclosure
InsuranceTS may receive compensation from insurance carriers, referral partners, or affiliate relationships. This does not influence our advice or your responsibility to evaluate your options independently.
Limitation of Liability
To the fullest extent permitted by law, InsuranceTS, its agents, officers, affiliates, or partners shall not be liable for reliance on Site content, carrier eligibility changes, benefit variations, enrollment delays, or indirect, incidental, consequential, or punitive damages. If liability cannot be waived, damages are limited to the greater of $100 or the amount paid for services related to the claim.
Changes to This Disclaimer
InsuranceTS may update this Disclaimer at any time. Revised versions will be posted with an updated date. Continued use of the Site constitutes acceptance of changes.
Contact Information
InsuranceTS — Legal & Compliance
Email: Fitzpatrick@InsuranceTS.com
Phone: 605-740-0401
Website: https://InsuranceTS.com/contact-us
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