Privacy Policy & Terms of Service

01 Introduction

Matt Klinger is an independent, licensed insurance agent providing guidance on Medicare, Affordable Care Act (ACA) health plans, life insurance, and final expense coverage. This combined Privacy Policy and Terms of Service applies to your interactions with us through our website, by phone, by text message, by email, and through any related online or offline channels.

By using our website, completing a form, calling, texting, or otherwise providing information to us, you agree to the practices described in this document. If you do not agree, please discontinue use of our services and communications.

02 Information We Collect

We collect information that you voluntarily provide and certain information automatically through our website and communications:

Information You Provide

• Contact information: name, mailing address, email address, and phone number.
• Demographic information: date of birth, gender, marital status, and household composition (when relevant to a quote).
• Health-related information: general health status, current medications, preferred doctors and pharmacies, and existing coverage (collected only as needed to recommend appropriate plans).
• Financial information: income, employment status, or Medicare/Medicaid eligibility details (when relevant to subsidy or plan eligibility).
• Identifying numbers: Medicare Beneficiary Identifier (MBI), Social Security Number, or similar identifiers, only when required to complete an application with a carrier.

Information Collected Automatically

• IP address, browser type, device information, referring URL, and pages viewed.
• General location data derived from your IP address.
• Cookies and similar technologies (see Section 8).

03 How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide insurance quotes, plan comparisons, and enrollment assistance.
• Communicate with you about your coverage, applications, claims, and renewals.
• Send appointment reminders, follow-ups, and policy-related notifications by phone, SMS, or email.
• Comply with applicable insurance, Medicare, CMS, state, and federal regulations.
• Improve our website and the services we provide.

We do not sell your personal information to third parties for their independent marketing purposes.

04 SMS & Messaging Consent

By providing your phone number on any form on this website, during a phone call, or in any written communication, you expressly consent to receive text messages (SMS) and phone calls from Matt Klinger at the number you provided, including messages sent using an automatic telephone dialing system.

Frequency, Cost, and Carriers

• Message frequency varies based on your interaction with us.
• Message and data rates may apply, depending on your mobile carrier and plan.
• We are not liable for delayed or undelivered messages.

Opting Out (STOP) and Help (HELP)

You can opt out of text messages at any time by replying STOP to any message you receive from us. After you reply STOP, you will receive a final confirmation message and will not receive additional text messages from us unless you re-opt in. You may also reply HELP for assistance, or contact us using the information in Section 12.

Consent to receive text messages or marketing communications is not a condition of purchasing any insurance product or service.

05 How We Share Information

We share your information only as needed to provide services or as required by law:

• Insurance carriers and underwriters to whom you are applying for coverage.
• Quoting, CRM, and enrollment platforms used to manage applications, appointments, and communications on our behalf.
• Government agencies and regulators (such as CMS or state departments of insurance) where required for compliance.
• Professional advisors such as compliance counsel or auditors, under confidentiality obligations.
• As required by law, including in response to subpoenas, court orders, or legal process.

Service providers acting on our behalf are contractually limited to using your information only for the purposes for which it was disclosed.

06 Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, and destruction. No method of transmission over the Internet or electronic storage is 100% secure, however, and we cannot guarantee absolute security.

You are responsible for keeping your own login credentials and account information secure, and for promptly notifying us of any suspected unauthorized use.

07 Your Rights and Choices

Subject to applicable law, you may have the right to:

• Access and request a copy of the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to applicable record-keeping obligations under insurance and Medicare regulations.
• Opt out of marketing emails by clicking the "unsubscribe" link in any marketing email.
• Opt out of text messages by replying STOP to any message.
• Opt out of phone calls by asking us, during any call, to be placed on our internal Do Not Call list.

To exercise any of these rights, contact us using the information in Section 12. We may need to verify your identity before fulfilling certain requests.

08 Cookies and Tracking

Our website uses cookies and similar technologies for essential site functionality, analytics, and (where applicable) advertising attribution. You can disable cookies through your browser settings, but parts of the site may not function correctly without them.

We may use analytics or conversion-tracking tools (for example, Google Analytics or Meta Pixel/CAPI) to understand how visitors use our site and to measure the effectiveness of our outreach. These tools may collect information such as IP address, pages viewed, and interactions with our site.

09 Terms of Service

Eligibility

Our services are intended for individuals who are at least 18 years old and legal residents of the United States. By using this website or our services, you represent that you meet these requirements.

Use of the Website

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use of the website. You may not attempt to gain unauthorized access to any part of the site, interfere with its operation, or use it to transmit harmful code.

Intellectual Property

All content on this website — including text, graphics, logos, and software — is owned by or licensed to Matt Klinger and is protected by copyright and other intellectual-property laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written permission, except for ordinary, non-commercial personal use of the information presented.

Accuracy of Information

We make reasonable efforts to keep information on this website accurate and up to date. However, insurance products, plan benefits, premiums, networks, and formularies change frequently and vary by zip code. Information on this site is provided for general guidance only and is not a contract of insurance. Final terms are governed exclusively by the policy documents issued by the underlying insurance carrier.

No Guarantee of Coverage

Submitting a request, completing a form, or speaking with us does not guarantee approval for any insurance policy. All applications are subject to underwriting and eligibility requirements of the issuing carrier.

Limitation of Liability

To the maximum extent permitted by law, Matt Klinger is not liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, this website or any communication from us. Our maximum liability for any direct damages is limited to the commissions actually received by us in connection with the specific policy at issue.

Governing Law

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising under these terms shall be resolved in the state or federal courts located in Texas, and you consent to the jurisdiction of those courts.

10 Important Disclaimers

Not affiliated with the U.S. government. This website and our services are not connected with or endorsed by the U.S. Government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, the Health Insurance Marketplace, or any state Marketplace.

Licensed insurance agent. Matt Klinger is a licensed insurance agent (NPN 21680419). Insurance products are offered through contracted insurance carriers. Product availability and rates vary by state and zip code.

No legal, tax, or medical advice. Information provided on this website or in any communication is for general informational purposes only and does not constitute legal, tax, or medical advice. Consult a qualified professional for advice specific to your situation.

11 Changes to This Policy

We may update this Privacy Policy and Terms of Service from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Material changes will be reflected on this page and, where appropriate, communicated to you directly. Your continued use of our website and services after changes are posted constitutes your acceptance of the updated terms.

12 Contact

If you have questions about this Privacy Policy and Terms of Service, want to exercise any of your rights, or need to opt out of any form of communication, please contact us: