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Privacy Policy

Effective Date: September 15, 2026

PharmSurance ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or interact with our services. Please read this policy carefully.

1. Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, phone number, email address, and state of residence
• Communication Preferences: Preferred time of contact
• Inquiry Information: Questions or messages you submit through our forms
• Consent Records (Technical Information): When you interact with a form on this site, we record your IP address and a timestamp alongside the exact consent language you agreed to — captured separately for general contact consent and, if you opt in, for text-message consent. We use a third-party service (ipify) to determine your IP address. This record exists so we can demonstrate that you gave us permission to contact you, and is retained as required by CMS and applicable state and federal law.

We do not collect Social Security numbers, financial account information, or detailed medical or health records through this website. Please do not include health information, diagnoses, or a list of your medications in a website form — your advisor will collect anything clinically relevant directly and securely.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To connect you with a licensed PharmSurance insurance advisor in your area
• To respond to your inquiries and provide requested information
• To send you text messages about your inquiry, including connecting you with your assigned advisor, if you have separately opted in to receive them
• To send you the PharmSurance newsletter if you have opted in to receive it
• To improve our website and services
• To comply with applicable laws and regulations, including CMS Medicare marketing guidelines

3. CMS Medicare Marketing Compliance

PharmSurance advisors are fully licensed and may offer Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug plans. In accordance with the Centers for Medicare & Medicaid Services (CMS) Medicare Communications and Marketing Guidelines, we adhere to the following standards:

• We will not contact you by phone, text, or electronic direct message unless you have given us permission to do so — for example, by submitting a form on this site, returning a business reply card, or asking us to reach out
• We will not engage in high-pressure sales tactics or misleading communications
• A Scope of Appointment will be documented and agreed to before any personal marketing appointment about Medicare Advantage, Prescription Drug, or Cost plans
• We do not offer gifts, payments, or other inducements to influence your Medicare plan selection
• We do not market non-health products — such as life insurance or annuities — during a Medicare appointment. Those conversations happen in a separate, dedicated appointment
• Sales and marketing calls with beneficiaries are recorded in their entirety, as CMS requires of independent agents and brokers
• We display the CMS-required disclaimer stating that we do not offer every plan available in your area, that any information we provide is limited to the plans we do offer, and directing you to Medicare.gov or 1-800-MEDICARE to get information on all of your options
• Text messages are sent only if you separately and affirmatively opt in — this consent is never required to use our services, and you may opt out at any time by replying STOP

PharmSurance is not affiliated with, endorsed by, or connected to the United States government, the federal Medicare program, or the Centers for Medicare & Medicaid Services.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

• How we connect you with an advisor: When your inquiry relates to Medicare options, PharmSurance may contact you first to identify a single licensed advisor in our network, suited to your needs and licensed in your state — and will get your agreement before sharing your full information with that specific advisor. We do not distribute your information to multiple advisors, and we do not resell or re-market it to other agencies or lead buyers.
• Service providers: We use third-party providers to operate this website and process form submissions (currently Formspree for form delivery and ipify for IP lookup). They process your information on our behalf, subject to their terms and our instructions.
• Legal compliance: We may disclose information as required by law or in response to valid legal process

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Opt-Out: You may opt out of receiving our newsletter at any time by contacting us or using the unsubscribe link in any email communication
• Text Opt-Out: If you opted in to text messages, you may opt out at any time by replying STOP, without affecting any other part of your relationship with us
• Do Not Contact: You may request that we not contact you regarding Medicare insurance products at any time, by any method, and we will honor it
• Access and Correction: You may request access to or correction of the personal information we hold about you, including your consent record, by contacting us directly

7. Cookies and Website Analytics

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze website traffic. You may adjust your browser settings to refuse cookies; however, some features of the website may not function properly as a result.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

9. Children's Privacy

Our website and services are intended for Medicare-eligible individuals and those approaching Medicare eligibility. Medicare eligibility is not limited to people 65 and older — individuals under 65 may qualify through disability, End-Stage Renal Disease, or ALS, and we serve them as well. Our services are not directed toward children under the age of 13, and we do not knowingly collect personal information from children.

10. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with a revised effective date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

• Contact Form: pharmsurance.com/contact — submit a message and our team will respond promptly

Disclaimer: PharmSurance is not affiliated with or endorsed by the United States Government, the federal Medicare program, or the Centers for Medicare & Medicaid Services. Insurance products and plan availability vary by state. Currently licensed in Arkansas, Tennessee, and Kentucky.

Terms of Use

Effective Date: September 15, 2026

Welcome to PharmSurance ("we," "us," or "our"). By accessing or using our website at pharmsurance.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site.

1. Use of the Site

This Site is intended for informational purposes related to Medicare insurance options and general insurance guidance. You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not use the Site to transmit any material that is unlawful, harmful, harassing, fraudulent, or otherwise objectionable.

2. Not a Government Website

PharmSurance is a private, independently owned company. This Site is not affiliated with, endorsed by, or operated by the United States government, the Centers for Medicare & Medicaid Services (CMS), or any federal or state agency. The information provided on this Site is for general informational purposes only and does not constitute official government guidance.

3. No Insurance or Legal Advice

The content on this Site is for general informational purposes only and does not constitute professional insurance, legal, financial, or medical advice. Any insurance-related discussions or plan comparisons conducted by PharmSurance advisors are intended solely to help you understand your options. Coverage decisions should be made in consultation with a licensed insurance advisor and, where appropriate, your healthcare provider.

4. Accuracy of Information

We strive to provide accurate, current, and complete information on this Site. However, we make no warranties or representations, express or implied, about the completeness, accuracy, reliability, or suitability of any information on the Site. Insurance plan details, premiums, benefits, and availability are subject to change and vary by state and carrier. Always verify current plan details with a licensed PharmSurance advisor or the applicable insurance carrier.

5. Submission of Information

By submitting your personal information through any form on this Site, you authorize PharmSurance and its licensed advisors to contact you regarding insurance products and services. You represent that the information you provide is accurate and that you are authorized to submit it. You may withdraw your consent to be contacted at any time by submitting a request through our contact form.

6. Intellectual Property

All content on this Site — including text, graphics, logos, and design — is the property of PharmSurance and is protected by applicable copyright and trademark laws. "PharmSurance™," "Your Rx for Insurance™," and "Don't Lose the Pharm™" are trademarks of PharmSurance. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.

7. Third-Party Links

This Site may contain links to third-party websites for your convenience. PharmSurance does not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party sites. Accessing third-party links is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, PharmSurance and its affiliates, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this Site or its content. This includes but is not limited to damages for errors, omissions, interruptions, or delays in information provided.

9. Indemnification

You agree to indemnify and hold harmless PharmSurance and its affiliates, agents, and employees from any claims, losses, damages, liabilities, and expenses (including reasonable attorney's fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Arkansas, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in Arkansas.

11. Changes to These Terms

We reserve the right to update or modify these Terms of Use at any time without prior notice. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Contact

If you have questions about these Terms of Use, please contact us through the form on this page.