Privacy Policy

Introduction

Lighthouse Management and Consulting LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or contact us for Medicare guidance services.

Information We Collect

We may collect the following types of information:

• Personal Information: Name, phone number, email address, and other contact details you voluntarily provide.
• Usage Data: Pages visited, time spent, and referring URLs.
• Device Information: Browser type, operating system, and IP address collected automatically.
• SMS/Text Opt-in Data: If you provide your phone number and consent to SMS communications, we collect that consent record including the date, time, and method of opt-in.

How We Use Your Information

• Respond to your Medicare inquiries and provide guidance services
• Schedule and conduct appointments (in-person, phone, or virtual)
• Send SMS/text messages and calls related to your Medicare inquiries — only if you have opted in
• Improve our website and services
• Comply with applicable laws and regulations

SMS Opt-In — No Sharing Policy

We do not sell, share, or rent your SMS opt-in information or phone number to any third party for marketing purposes. Your consent to receive SMS messages from Lighthouse Management and Consulting LLC will never be shared with or sold to any other company or individual. SMS opt-in data is used solely to communicate with you directly about your Medicare inquiries.

SMS / Text Messaging

By providing your phone number and checking the SMS consent box, you agree to receive text messages from Lighthouse Management and Consulting LLC. Message frequency varies. Message and data rates may apply.

• Reply STOP at any time to unsubscribe from SMS messages.
• Reply HELP for assistance or call us at 618-920-2000.
• Consent to receive SMS messages is not a condition of purchase or receiving our services.

Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze site traffic. You can instruct your browser to refuse all cookies or notify you when a cookie is being sent. Some features of the site may not function properly without cookies. We do not use tracking technologies to collect sensitive personal information.

How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information with insurance carriers when you request enrollment assistance, and only with your explicit consent. We may also disclose information as required by law or to protect our legal rights.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Your Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction or deletion of your personal information
• Opt out of SMS communications at any time by replying STOP
• Request that we stop using your information for marketing purposes

To exercise any of these rights, contact us using the information below.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Continued use of our website after changes are posted constitutes your acceptance of the revised policy.

Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: