Privacy Policy

1. Information We Collect

We may collect the following types of information:

• Contact information — name, email, phone number, mailing address, and ZIP code.
• Eligibility information — date of birth, Medicare eligibility status, household size, state of residence, and employment status.
• Health-related information — general health questions required by insurance carriers to determine eligibility or rate quotes. We only collect what is necessary to match you with appropriate coverage.
• Communication preferences — the channels (phone, text, email) you consent to and the times you'd like to be reached.
• Technical information — IP address, browser type, device information, referring URL, and pages visited, collected automatically through cookies and analytics tools.

2. How We Use Your Information

We use the information you provide to:

• Respond to your request for insurance quotes, plan reviews, or coverage information.
• Match you with Medicare Advantage, Medicare Supplement, life insurance, annuity, dental, vision, long-term care, or ACA health plans.
• Submit applications to insurance carriers on your behalf with your authorization.
• Send communications about your coverage, annual enrollment periods, policy changes, and relevant insurance updates.
• Improve our website, services, and customer experience.
• Comply with legal and regulatory obligations.

3. SMS and Text Messaging

By submitting our contact form and checking the SMS consent box, you agree to receive SMS text messages from Canyon Creek Benefits at the mobile number you provided. These messages may include appointment reminders, plan information, quote follow-up, policy updates, and responses to your inquiries. Message frequency varies. Message and data rates may apply.

You can opt out at any time by replying STOP to any message we send you. Reply HELP for assistance, or contact us directly using the information below. Your consent to receive text messages is not a condition of purchasing any product or service.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All of the categories of information sharing described in Section 4 below exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Canyon Creek Benefits does not send SMS messages containing content related to gambling, firearms, cannabis, or any SHAFT-restricted categories.

4. Sharing Your Information

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

• With insurance carriers — to submit applications, obtain quotes, verify eligibility, and service your policy once you've authorized us to do so.
• With service providers — trusted vendors who help us operate our CRM, website, email platform, and analytics, under confidentiality obligations.
• For legal compliance — when required by law, subpoena, court order, or regulatory request, or to protect our legal rights.
• In a business transfer — as part of a merger, acquisition, or sale of assets, subject to the same privacy protections.

5. Cookies and Tracking

We use cookies and similar technologies to understand how visitors use our website, remember your preferences, and measure the performance of our marketing. You can disable cookies through your browser settings, though some features of the site may not work as intended.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including encrypted data transmission and access controls on our CRM. However, no system is 100% secure, and we cannot guarantee absolute security. If you have concerns about the security of your information, please contact us.

7. Your Rights and Choices

Depending on where you live, you may 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 marketing communications at any time.
• Withdraw consent for calls, texts, or emails.

To exercise any of these rights, contact us using the information below. We'll respond within 30 days.

8. Children's Privacy

Our services are intended for individuals 18 years or older. We do not knowingly collect personal information from children under 13. If you believe we've collected information from a child, please contact us and we'll delete it promptly.

9. Third-Party Links

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

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Effective Date" at the top will indicate when the policy was last revised. Continued use of our services after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us