Privacy Policy

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected through:

• Our public website and any private or account-based sections
• Other websites, landing pages, and online forms operated by Real Dignity LTC
• Long-term care planning inquiries and consultation requests
• Email, telephone, SMS, video, and other electronic communications
• Applications or client portals connected to our services
• Advertisements, forms, or integrations offered through third-party platforms
• Meetings and consultations with our team or affiliated professionals

This Privacy Policy does not necessarily apply to:

• Information collected by independent third-party websites or services
• Websites linked from our website but not owned or controlled by us
• Insurance carriers, financial institutions, healthcare providers, or other independent organizations that maintain their own privacy policies

When you leave our website or use a third-party service, you should review that provider’s privacy policy.

2. Acceptance of This Policy

By accessing or using our website or submitting information through our services, you acknowledge that you have reviewed this Privacy Policy.

When consent is legally required for a particular use of your information, we will request that consent separately.

If you do not agree with this Privacy Policy, please discontinue use of the website and do not submit personal information through our services.

3. Information We May Collect

The information we collect depends on how you interact with Real Dignity LTC.

A. Personal and Contact Information

We may collect:

• First and last name
• Email address
• Telephone number
• Mailing or residential address
• State of residence
• Date of birth or age range
• Preferred contact method
• Appointment and scheduling information
• Information included in messages or inquiries

B. Long-Term Care and Insurance Information

When relevant to a consultation, application, or requested service, we may collect:

• Long-term care planning goals
• Current or anticipated care needs
• Existing insurance coverage
• Insurance application information
• Financial objectives and general financial information
• Income, assets, or retirement-planning information
• Health, medical, medication, or family-history information
• Lifestyle and care preferences
• Beneficiary and household information

Some of this information may be considered sensitive personal information under applicable law.

Please do not submit Social Security numbers, detailed medical records, bank-account details, or other highly sensitive information through a general website contact form unless the form specifically requests that information and is intended for secure collection.

C. Identification and Application Information

If you apply for an insurance product or related service, we or an authorized provider may collect:

• Government-issued identification information
• Social Security number or taxpayer identification number
• Insurance application details
• Employment and occupation information
• Financial and underwriting information
• Medical or health information
• Electronic signatures and authorization records

This information may be transmitted to insurance carriers, underwriting providers, exam vendors, or other authorized parties involved in processing the application.

D. Communications Information

We may collect information from:

• Emails
• Telephone calls
• SMS or text messages
• Contact forms
• Video meetings
• Appointment notes
• Customer-service communications
• Feedback and survey responses

Where permitted by law, calls or video meetings may be recorded for training, documentation, quality assurance, or compliance purposes. When recording requires consent, notice or consent will be obtained before recording.

E. Technical and Usage Information

When you access the website, we may automatically collect:

• Internet Protocol address
• Browser type
• Device type
• Operating system
• Referring website
• Pages viewed
• Links clicked
• Date and time of access
• Approximate geographic location
• Session duration
• Website interaction information
• Cookie and advertising identifiers

F. Information From Third Parties

We may receive information from:

• Insurance carriers
• Licensed insurance professionals
• Business partners
• Lead-generation platforms
• Scheduling and customer-management systems
• Marketing and advertising providers
• Analytics providers
• Identity-verification or underwriting providers
• Publicly available sources
• Individuals who refer you to us

4. How We Collect Information

We may collect information directly from you when you:

• Complete a contact form
• Request information
• Schedule a consultation
• Register for an account
• Submit an insurance application
• Download a guide or resource
• Subscribe to communications
• Communicate with our team
• Attend a meeting
• Participate in a survey

We may also collect information automatically through:

• Cookies
• Web beacons
• Pixels
• Analytics tools
• Log files
• Session technologies
• Advertising identifiers
• Similar tracking technologies

We may also receive information from authorized third parties, including service providers, affiliated professionals, insurance carriers, referral partners, and technology platforms.

5. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

• Operate and secure the website
• Remember user preferences
• Understand website traffic
• Analyze visitor behavior
• Improve website functionality
• Measure marketing performance
• Personalize content
• Prevent fraud or misuse
• Maintain user sessions

Cookies may include:

• Essential cookies necessary for website operation
• Preference cookies that remember user settings
• Analytics cookies that help us understand website usage
• Advertising cookies that support relevant advertising and campaign measurement

You may adjust your browser settings to block or delete cookies. Some website features may not function properly when cookies are disabled.

Where required, we may provide a cookie-consent tool allowing you to manage nonessential cookies.

6. Third-Party Analytics and Advertising

We may use third-party analytics, advertising, scheduling, communication, customer-relationship management, and website-hosting providers.

These providers may use:

• Cookies
• Pixels
• Device identifiers
• Similar tracking technologies

These tools may collect information about website activity.

Depending on the service, third parties may process information according to their own privacy policies. We do not control independently operated third-party tracking technologies.

7. How We Use Personal Information

We may use personal information to:

• Operate and maintain the website
• Respond to questions and inquiries
• Provide educational information about long-term care
• Schedule and conduct consultations
• Evaluate your stated planning needs
• Explain available insurance or planning options
• Assist with insurance applications
• Communicate with insurance carriers and service providers
• Process requested transactions
• Maintain customer and prospect records
• Provide appointment reminders
• Send administrative notices
• Provide requested guides, resources, or educational content
• Personalize communications
• Improve our website and services
• Analyze website performance and usage
• Maintain security and prevent fraud
• Verify identity
• Satisfy legal, regulatory, licensing, and recordkeeping obligations
• Protect our rights, property, and users
• Resolve complaints and disputes
• Conduct internal quality assurance and training
• Send marketing communications where permitted by law

We may also use information for another purpose disclosed when the information is collected or with your consent.

8. Long-Term Care and Insurance Applications

When you request assistance with an insurance product, we may use and disclose application information to:

• Determine which products may be appropriate for consideration
• Obtain quotes or preliminary illustrations
• Submit applications to insurance carriers
• Support underwriting
• Arrange medical examinations or interviews
• Verify application information
• Facilitate policy issuance and delivery
• Provide policy-related customer service

Insurance carriers and underwriting providers are independent organizations and may maintain separate privacy notices governing their handling of your information.

An inquiry or consultation does not guarantee eligibility, coverage, approval, pricing, or policy issuance.

9. Email, Telephone, and SMS Communications

When you provide contact information, we may use it to:

• Respond to your inquiry
• Deliver requested information
• Provide appointment reminders
• Communicate about relevant services

Where legally permitted and where required consent has been obtained, communications may include:

• Telephone calls
• Emails
• SMS or text messages
• Appointment confirmations
• Reminders
• Educational messages
• Marketing communications

Message frequency may vary, and message and data rates may apply.

You may opt out of marketing text messages by replying STOP.

You may reply HELP for assistance.

You may unsubscribe from marketing emails by using the unsubscribe link in the email or contacting us directly.

Opting out of marketing communications will not prevent us from sending necessary:

• Transactional notices
• Appointment notices
• Application updates
• Policy communications
• Security notices
• Legal notices

10. How We May Disclose Information

We may disclose personal information to the following categories of recipients.

A. Insurance Carriers and Underwriting Providers

Information may be shared with:

• Insurance companies
• Underwriters
• Medical-examination vendors
• Prescription-history providers
• Consumer-reporting or verification services
• Policy-administration providers

This disclosure may be necessary to provide quotes, process applications, conduct underwriting, or administer coverage.

B. Service Providers and Contractors

We may share information with vendors that provide:

• Website hosting
• Cloud storage
• Customer-relationship management
• Appointment scheduling
• Email and SMS delivery
• Analytics
• Marketing
• Payment processing
• Information security
• Document management
• Electronic signatures
• Video conferencing
• Customer support
• Professional consulting

These providers may access information only as necessary to perform services for us, subject to applicable contractual and legal obligations.

C. Affiliates and Related Businesses

We may share information with our legal owner, affiliates, subsidiaries, or commonly controlled businesses for legitimate:

• Business purposes
• Operational purposes
• Compliance purposes
• Service-related purposes

D. Professional Advisors

We may disclose information to:

• Attorneys
• Accountants
• Auditors
• Compliance consultants
• Insurers
• Other professional advisors

E. Business Transfers

Information may be transferred as part of:

• A merger
• Acquisition
• Reorganization
• Financing
• Sale of assets
• Change of control
• Bankruptcy or similar proceeding

F. Legal and Safety Purposes

We may disclose information when reasonably necessary to:

• Comply with a law, regulation, court order, or subpoena
• Respond to government or regulatory requests
• Enforce our agreements
• Protect the rights or property of Real Dignity LTC
• Protect users or members of the public
• Investigate fraud, security incidents, or unlawful activity

G. With Your Direction or Consent

We may disclose information to another party when you request, authorize, or consent to the disclosure.

11. Sale and Sharing of Personal Information

Real Dignity LTC does not sell personal information for monetary compensation unless this is clearly disclosed and legally permitted.

Certain privacy laws may define “sale” or “sharing” more broadly to include some advertising or analytics activities, even when no money is exchanged.

Where required by applicable law, eligible consumers may have the right to opt out of:

• The sale of personal information
• The sharing of personal information for cross-context behavioral advertising
• Certain targeted advertising activities

Contact us using the information below to ask whether these rights apply to your information.

12. Sensitive Personal Information

Depending on the services requested, we may process sensitive information such as:

• Social Security number
• Government identification information
• Financial-account information
• Health or medical information
• Insurance application information
• Precise location information, if voluntarily provided
• Login credentials

We use sensitive information only for purposes reasonably necessary to:

• Provide requested services
• Process insurance applications
• Comply with law
• Protect security
• Carry out another disclosed purpose

Access to sensitive information is limited to authorized individuals and service providers with a legitimate need to use it.

13. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information.

Safeguards may include:

• Access controls
• Authentication requirements
• Encryption where appropriate
• Secure servers
• Firewalls
• Employee or contractor access limitations
• Vendor security requirements
• Monitoring and backup procedures
• Secure document-management tools

However, no website, email system, communication method, or storage platform is completely secure. We cannot guarantee absolute security.

You are responsible for protecting passwords, devices, and account credentials associated with your use of the services.

14. Data Retention

We retain personal information only for as long as reasonably necessary to:

• Provide requested services
• Maintain your account
• Process and administer applications
• Comply with insurance, licensing, tax, legal, and regulatory requirements
• Maintain business and transaction records
• Prevent fraud
• Protect security
• Resolve disputes
• Enforce agreements

Retention periods vary depending on:

• The type of information
• The reason for collection
• The relationship with the user
• Applicable legal obligations

Information may be retained after a relationship ends when required or permitted by law.

Aggregated or deidentified information may be retained for longer periods when it cannot reasonably be linked to an identifiable person.

15. Deidentified and Aggregated Information

We may convert information into aggregated or deidentified data that does not reasonably identify an individual.

We may use this information for:

• Analytics
• Research
• Service improvement
• Business planning
• Security
• Reporting

Where required by applicable law, we will take reasonable measures to prevent deidentified data from being associated with an identifiable individual.

16. Your Privacy Choices

Depending on your location and applicable law, you may be able to request that we:

• Confirm whether we process your personal information
• Provide access to certain personal information
• Correct inaccurate information
• Delete eligible personal information
• Provide a portable copy of certain information
• Restrict or limit certain uses
• Opt you out of certain targeted advertising
• Opt you out of certain sales or sharing
• Withdraw consent where processing is based on consent
• Stop sending marketing communications

Privacy rights are not absolute.

We may deny or limit a request when permitted or required by law, including when information must be retained for:

• Legal purposes
• Compliance purposes
• Fraud prevention
• Contractual requirements
• Security purposes

We may need to verify your identity before processing a request.

To submit a request, contact:

Email: [Insert Privacy Email]
Subject Line: Privacy Request

17. California Privacy Rights

If the California Consumer Privacy Act, as amended, applies to Real Dignity LTC and to your information, California residents may have rights to:

• Know the categories of personal information collected
• Know the sources from which information was collected
• Know the business or commercial purposes for collection
• Know the categories of third parties receiving information
• Access specific pieces of eligible personal information
• Request correction of inaccurate information
• Request deletion, subject to exceptions
• Opt out of the sale or sharing of personal information
• Limit certain uses of sensitive personal information
• Receive equal service and pricing when exercising privacy rights

The CCPA applies only to businesses meeting the law’s applicable requirements. Including this section does not state that every provision applies to Real Dignity LTC.

California residents may submit requests through:

Email: [Insert Privacy Email]
Telephone: [Insert Toll-Free Number, if applicable]
Online Form: [Insert Privacy Request Form URL, if applicable]

An authorized agent may submit a request where permitted by law. We may require verification of the agent’s authority and the consumer’s identity.

18. Florida Privacy Rights

Florida privacy laws may provide eligible consumers with rights concerning:

• Access to personal information
• Correction of inaccurate information
• Deletion of personal information
• Data portability
• Targeted advertising
• Sale of personal information
• Certain profiling activities

These rights apply only where the applicable Florida law covers Real Dignity LTC and the individual request.

To submit a Florida privacy request, contact us using the information provided in the Contact Us section.

19. Global Privacy Control

Some browsers and browser extensions support Global Privacy Control signals.

Where legally required and technically recognized, we may process qualifying Global Privacy Control signals as requests to opt out of applicable sales or sharing for the browser or device sending the signal.

20. Children Under 13

Our website and services are intended for adults and are not directed to children under 13.

We do not knowingly collect personal information online from children under 13 without legally required parental consent.

If we discover that we have collected such information, we will take reasonable steps to delete it, subject to applicable legal requirements.

A parent or guardian who believes a child has submitted personal information may contact us using the information below.

21. Third-Party Links and Services

Our website may contain links to or integrations with third-party:

• Insurance carriers
• Scheduling platforms
• Video-conferencing tools
• Social-media platforms
• Payment providers
• Educational resources
• Government websites
• Professional-service providers

We are not responsible for the privacy, security, content, or practices of independently operated third-party services.

Review the applicable third-party privacy policy before submitting personal information.

22. Account Access and Security

If an account or portal is provided, you are responsible for:

• Maintaining the confidentiality of your login credentials
• Using a secure password
• Protecting devices used to access the account
• Promptly notifying us of suspected unauthorized access

We may suspend or restrict an account when we reasonably suspect unauthorized use, fraud, or a security risk.

23. International Visitors

Our website and services are primarily directed to individuals in the United States.

If you access the website from outside the United States, your information may be processed and stored in the United States, where privacy laws may differ from those in your jurisdiction.

Do not submit personal information if its transfer or processing would violate the laws applicable to you.

24. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in:

• Our services
• Technology
• Data practices
• Legal requirements
• Regulatory guidance
• Business operations

When changes are made, we will revise the Last Updated date and post the updated policy on this page.

Material changes may also be communicated through the website, email, or another appropriate method when required.

Continued use of the website after an updated Privacy Policy becomes effective constitutes acknowledgment of the revised policy, but it does not replace legally required consent for practices that require separate consent.

25. Contact Us

Questions, concerns, or privacy requests may be directed to:

Real Dignity LTC
Legal Entity: [Insert Legal Entity Name]
Privacy Email: [Insert Privacy Email]
General Email: [Insert Business Email]
Telephone: [Insert Business Phone Number]
Mailing Address: [Insert Business Mailing Address]
Website: [Insert Real Dignity LTC Website]