Privacy Policy

Last Updated: October 9, 2024

1. Introduction and Scope

Clear Path Creative, LLC (“we,” “us,” “our,” or “Company”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy is designed to help you understand how we collect, use, disclose, and safeguard your personal information when you interact with our services.

This Privacy Policy applies to all personal information collected through:

• Our website (advantageplusbenefits.com)
• Phone calls, emails, or other communications with our representatives
• Your use of our online tools and resources
• Your interactions with our advertising and applications on third-party websites and services

By accessing or using our services, you agree to this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

Our services are intended for users located in the United States. This Privacy Policy describes our practices in connection with information collected through services offered in the United States.

Throughout this Privacy Policy, we provide information about your rights and choices regarding your personal information. For more detailed information on specific topics, please refer to the relevant sections within this policy.

2. Information We Collect

Clear Path Creative, LLC collects various types of information from and about users of our services. This information is categorized into the following types:

Personal Information You Provide

We collect personal information directly from you when you interact with our services. This may include:

• Identifiers, such as: Full name, Email address, Phone number, Zip code
• Medicare-related information, such as: Medicare eligibility status, Current Medicare coverage details (Parts A, B, C, or D), Preferred coverage options
• Additional Eligibility Information, such as: Whether you are currently enrolled in Medicare, If not enrolled, whether you are over the age of 64

We collect this information based on your explicit consent, our legitimate interest in providing and improving our services, or as necessary to fulfill our contractual obligations.

Information We Collect Automatically

When you visit our website or use our online services, we may automatically collect certain information about your device, Browse actions, and usage patterns. This includes:

• Internet or other network activity information, such as: IP address, Browser type and version, Operating system, Device type, Unique device identifiers, Pages visited on our website, Time and date of your visit, Referring and exit website addresses
• Geolocation data, such as: General location derived from your IP address

We collect this information to improve website functionality, enhance user experience, and ensure the security of our services. This data is collected through cookies, web beacons, and similar tracking technologies. For more information, please refer to our Cookies and Tracking Technologies section.

Information from Third-Party Sources

We may also receive information about you from third-party sources, including:

• Business partners
• Insurance carriers
• Marketing partners
• Data analytics providers

This information may include demographic data, public record information, and details regarding your interactions with other websites or services. We only receive third-party information where the provider has a lawful basis for sharing it with us, such as your explicit consent or their legitimate interest.

If you have concerns about data shared by third parties, we recommend reviewing the privacy policies of those third parties directly.

3. How We Collect Information

Clear Path Creative, LLC gathers information from users through multiple channels to ensure accurate service provision, marketing efforts, and compliance with applicable legal obligations. We collect information via the following methods:

Direct Collection

We collect personal information directly from you when you:

• Complete forms on our website (e.g., requesting Medicare quotes or coverage information)
• Create an account or submit inquiries through our platform
• Communicate with us via phone, email, chat, or other available channels
• Participate in surveys, promotions, or marketing initiatives
• Submit feedback, questions, or interact with our customer service team
• During phone conversations with licensed insurance agents, where additional Medicare-related information may be voluntarily provided to match you with suitable plans or options.

Automatic Collection Technologies

We employ automated tools to gather information when you interact with our website and online services. These technologies include:

• Cookies: Small data files stored on your device that collect data on user preferences, Browse behavior, and interactions to enhance your experience and provide tailored content and advertisements. Users can manage or opt out of cookies through their browser settings.
• Web Beacons/Pixel Tags: Embedded code that tracks how you engage with our website and emails, providing insights into user behavior and the effectiveness of our marketing campaigns.
• Log Files: Automatically recorded information regarding your visit, including IP addresses, browser types, Internet service provider details, referring/exit pages, and timestamps to analyze user engagement and maintain security.

Third-Party Sources

We may obtain personal information from trusted third parties, such as:

• Business Partners and Service Providers: To verify user-provided data or gain additional insights into our users’ needs and behaviors.
• Insurance Carriers: In conjunction with our insurance partners to facilitate plan recommendations and quotes.
• Marketing and Advertising Partners: To enhance outreach efforts and target relevant audiences for our Medicare-related services.
• Data Analytics Providers: To analyze user trends and preferences, enabling us to optimize our service offerings.
• Publicly Available Data: We may also access government databases, public records, and social media profiles where such data is lawfully available for business purposes.

We are committed to collecting personal information through lawful, transparent, and fair means, ensuring that data is obtained with your knowledge and, where appropriate, consent. Please refer to the “Your Rights and Choices” section for further information on managing your data preferences.

4. How We Use Your Information

Clear Path Creative, LLC uses the information collected in Section 2 for the following purposes, in compliance with applicable laws and with user consent where required:

Provide and Manage Our Services

We use your information to:

• Process your requests for Medicare plan information.
• Connect you with suitable insurance providers and licensed agents.
• Facilitate communication between you and licensed insurance agents.
• Manage your account and services.
• Respond to your inquiries, comments, or concerns regarding our services.

Personalize Your Experience

We may use the information we collect to:

• Tailor content and recommendations based on your stated preferences and needs, where applicable.
• Customize our website and service features to enhance your experience.
• Provide relevant Medicare plan options based on the information you voluntarily provide.

Note: Any personalization is done based on the data provided and is subject to the limits of our platform’s capabilities. We do not guarantee full customization for every user interaction.

Improve Our Services

To ensure continuous improvement of our services, we use your information to:

• Analyze user behavior and feedback to refine and enhance our website and offerings.
• Identify and resolve technical issues related to our services.
• Develop new features and functionalities that align with user needs.
• Conduct internal research to better understand market trends and consumer preferences.

Marketing and Communication

With your consent, we may use your information to:

• Send you relevant updates about Medicare plans, enrollment periods, and related services.
• Provide you with promotional materials and offers from Clear Path Creative and our partners.
• Deliver targeted advertisements based on your Browse behavior, preferences, or interactions with our site.
• Measure and analyze the effectiveness of our marketing and promotional campaigns.

You have the right to opt out of receiving marketing communications or targeted advertising at any time by following the opt-out instructions provided in the communication or in the Your Rights and Choices section of this Privacy Policy.

Legal Compliance and Protection

We process personal information to:

• Comply with applicable laws, regulations, and industry standards.
• Detect, investigate, and prevent fraud or other illegal activities.
• Enforce our terms of service, privacy policies, and other applicable agreements.
• Protect the rights, property, or safety of Clear Path Creative, our users, and third parties.

Business Operations

We may use your information for purposes related to our ongoing business operations, including:

• Conducting internal data analysis and market research to improve service offerings.
• Maintaining accurate records and improving the accuracy of our data.
• Facilitating corporate transactions such as mergers, acquisitions, or sales of assets.

5. Disclosure of Your Information

Clear Path Creative, LLC is committed to maintaining your trust and ensuring that you understand when and with whom we may share your information. We may disclose personal information under the following circumstances:

Insurance Providers, Agencies, and Agents

When you submit a form or call a number on our website, we may sell or share your information with licensed insurance providers, agents, or other relevant third parties to facilitate your request for information about Medicare plans or coverage options. This may include your contact details, Medicare eligibility information, and other relevant data you have provided. These third parties may contact you directly regarding the services you have inquired about, including follow-up communications via phone, text, or email, even if they initially do not reach you.

Your information is shared for the purpose of facilitating your requested communications. These third parties may also use your information for related marketing purposes, including follow-up communications through CRM systems, to offer additional services based on your expressed interest in Medicare plans. We encourage you to review their privacy policies to understand their data practices and opt-out options.

Service Providers

We may share your information with third-party service providers who perform functions necessary for the operation and provision of our services. These functions include, but are not limited to:

• Customer relationship management (CRM) systems
• Data analytics and processing
• Email and communication platforms
• Website hosting, security, and maintenance
• Advertising and marketing services

These service providers include companies like Google Ads and Google Analytics, whose data practices are governed by their own privacy policies. While we strive to work with reputable partners, we do not control their data handling practices. Any information you provide to these third-party providers through our services is subject to their independent privacy policies.

Business Partners

We may share your information with business partners who offer co-branded services, products, or jointly sponsor events or promotions. These partners will process your data in accordance with their own privacy policies. We encourage you to review their privacy practices before engaging with their services.

Legal Requirements and Protection

We may disclose your information when required by law, regulation, or legal process, such as in response to a subpoena or governmental request. We may also share your information to protect our legal rights, investigate potential violations of our policies, or defend against legal claims. This includes the investigation of fraud or suspected illegal activities.

Corporate Transactions

In the event of a merger, acquisition, reorganization, dissolution, or similar corporate transaction, your information may be transferred as part of the transaction. Any new entity acquiring your personal information will assume the rights and obligations described in this Privacy Policy. You will be notified of any such changes, where legally required.

Consent

We may disclose your personal information to third parties when we have obtained your explicit consent to do so. This consent will be obtained for specific purposes, such as sharing your information with insurance agent partners.

Aggregated or De-identified Data

We may share aggregated or de-identified information with third parties for various purposes, including data analysis, research, and improving our services. This information does not personally identify you and cannot reasonably be used to trace your identity.

Affiliates and Subsidiaries

We may share your information with our parent company, subsidiaries, and affiliated entities for purposes consistent with this Privacy Policy and in accordance with applicable laws. Any such sharing will be subject to the same data protection standards as outlined in this policy.

Marketing Partners

We may share your information with third-party marketing partners for purposes related to our services, including the promotion of insurance products or other relevant offers. These third parties may contact you about products and services that may interest you. Such disclosures will only occur with your consent or where permitted by applicable law.

Important Notice on Third-Party Use

Clear Path Creative, LLC shares personal information with third parties as part of our lead generation services. Once your information is shared, these third parties may use it for their own purposes, including marketing, in accordance with their own privacy policies and applicable laws. We strive to work with reputable partners and limit the information we share to what is necessary for them to provide their services. However, we do not control their use of your information after it is transferred. We recommend reviewing the privacy policies of any third party that may contact you.

6. Your Rights and Choices

At Clear Path Creative, LLC, we respect your right to control your personal information. You have the following rights regarding the personal information we collect:

• Access Your Information: You can request access to the personal information we hold about you.
• Correct Your Information: If any information we have is incorrect or incomplete, you may request that we correct it.
• Delete Your Information: You can request that we delete your personal information from our records, except where we are required to retain it by law or for legitimate business purposes.
• Object to Processing: You may object to our processing of your personal information in certain circumstances.

To exercise any of these rights, please contact us using the information provided in the “Contact Information” section of this policy. We will respond to your request within a reasonable timeframe.

Communication Preferences

You have control over how we communicate with you:

• Email Communications: You can opt out of receiving marketing emails by following the unsubscribe instructions included in each email. Even if you opt out, we may still send you non-marketing emails, such as those about your account or ongoing business relations.
• Text Messages: If you’ve opted to receive SMS messages from us, you can reply with “STOP” to cease receiving them.
• Phone Calls: You can request to be placed on our “do not call” list if you no longer wish to receive phone calls from us.

Online Tracking and Advertising

• Cookies: Most web browsers are set to accept cookies by default. You can set your browser to remove or reject cookies. Please note that this could affect the availability and functionality of our website.
• Do Not Track: Some browsers have a “Do Not Track” feature that lets you tell websites you do not want to be tracked. As there is no industry consensus on how to respond to DNT signals, we do not currently respond to them.
• Interest-Based Advertising: You can opt out of receiving interest-based advertisements by visiting the Digital Advertising Alliance’s opt-out portal at www.aboutads.info/choices or the Network Advertising Initiative at www.networkadvertising.org/choices.

Limitations

Please note that there may be instances where we cannot fulfill your request, such as when it conflicts with regulatory obligations, involves legal matters, we cannot verify your identity, or if it requires disproportionate cost or effort. However, we will respond to your request within a reasonable timeframe and provide an explanation.

No Discrimination

We will not discriminate against you for exercising your rights over your personal information. Unless permitted by law, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services.
• Provide a different level or quality of goods or services.
• Suggest that you may receive different pricing or service levels.

We are committed to maintaining the privacy and security of your personal information, and we will make every reasonable effort to comply with your requests.

7. Data Security

At Clear Path Creative, LLC, we prioritize the security of your personal information and have implemented reasonable administrative, technical, and physical safeguards to protect it from unauthorized access, disclosure, use, and modification.

Our security measures include:

• Encryption: We use industry-standard encryption technologies to protect personal information during transmission and storage.
• Access Controls: Access to personal information is restricted to authorized individuals who require it to perform essential business functions.
• Secure Storage: Personal information is stored on secure servers, protected by firewalls and other security technologies designed to prevent unauthorized access.

As we grow, we remain committed to continuously improving our security practices. We periodically review and update our security measures, including encryption and access controls, to ensure they align with industry standards.

While we take these precautions, please note that no method of transmitting or storing data over the Internet is 100% secure. As such, while we use commercially reasonable means to protect your personal information, we cannot guarantee its absolute security.

We encourage you to take proactive steps to safeguard your personal information:

• Use strong, unique passwords for your accounts.
• Do not share your account credentials with others.
• Be mindful of the information you share online.
• Keep your devices and software up to date to protect against security vulnerabilities.

If you suspect that your interaction with us is no longer secure (e.g., if you believe your account has been compromised), please notify us immediately using the contact information provided in this Privacy Policy.

8. Data Retention and Information Management

Clear Path Creative, LLC is committed to the responsible and lawful management of personal information. We retain personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, or to meet our legal and reporting obligations.

Retention Periods and Purposes

We retain different categories of personal information for varying periods, depending on the following considerations:

• Immediate Data Forwarding: When you submit personal information through our forms (such as name, email, or phone number), it is immediately forwarded to our third-party partners. We delete this submission data from our servers within 1 week.
• Legal and Regulatory Compliance: We may be required to retain certain personal information to comply with applicable laws, regulations, and industry standards. This may include: maintaining records of transactions, complying with tax laws and reporting obligations, and meeting data protection and retention regulations.
• Legitimate Business Purposes: We may retain personal information to: provide and improve our services, analyze user behavior to enhance our offerings, respond to inquiries and support requests, and conduct market research and analytics.
• Legal Claims: Information may be retained to exercise, establish, or defend against legal claims.
• Fraud Prevention: We may retain personal information to protect against fraudulent or abusive activity on our platform.

Third-Party Data Retention

While we delete submission data within 1 week, our third-party partners, such as Clicky Web Analytics, Google Analytics (GA4), and Google Ads, may retain non-personally identifiable information for longer periods to track website performance and usage. We recommend reviewing the privacy policies of these third-party services for their specific data retention periods.

User Requests and Limitations

You have the right to request the deletion of your personal information. However, in certain situations, we may be unable to honor your request due to:

• Ongoing legal or regulatory requirements
• Pending or potential legal claims
• Fraud prevention and security measures
• Technical limitations of our systems

In such cases, we will explain the reason for retaining your information and provide an estimated timeframe for deletion, if possible.

Data Disposal and Security

When personal information is no longer needed or the legal authority to retain it has expired, we will securely delete, destroy, or de-identify it in accordance with applicable laws and internal procedures. Our data disposal methods are designed to ensure that personal information cannot be reconstructed or accessed after deletion.

Retention Period Reviews. We regularly review our data retention practices to minimize the duration for which personal information is stored, while ensuring compliance with our legal and regulatory obligations.

Business Transitions. In the event of a merger, acquisition, or the sale of some or all of our assets, personal information may be transferred to the relevant third party. We will maintain the confidentiality of any personal information and notify affected users before their data becomes subject to a different privacy policy.

If you have any questions about our data retention practices or wish to request the deletion of your personal information, please contact us using the information provided in the “Contact Information” section of this Privacy Policy.

9. Cookies and Similar Technologies

Clear Path Creative, LLC uses cookies, web beacons, and similar tracking technologies to enhance your experience on our website (advantageplusbenefits.com), analyze usage patterns, and deliver targeted advertising. This section explains how we use these technologies and how you can manage or opt out of them.

What Are Cookies?

Cookies are small data files placed on your device when you visit a website. They enable essential website functionality, help us understand how visitors use our site, and allow for personalized features and targeted advertising.

What Are Web Beacons and Pixels?

We use web beacons (also known as pixel tags) and pixels—small graphic images or code snippets embedded in our web pages or emails. These technologies track user behavior, such as whether an email is opened or whether specific pages on our website are visited. This information helps us improve the delivery of relevant content or advertisements.

How We Use Cookies and Similar Technologies

We use the following types of cookies and tracking technologies to improve your experience:

• Essential Cookies: These cookies are necessary for the website to function. They enable basic functions like page navigation, user authentication, and access to secure areas of the website.
• Analytical/Performance Cookies: These cookies help us understand how visitors interact with our website by collecting anonymous data. This allows us to improve website performance, including insights into which pages are most frequently visited.
• Functionality Cookies: These cookies remember choices you make, such as language preferences or your region, providing a more personalized experience.
• Targeting/Advertising Cookies: These cookies are used to deliver ads tailored to your interests, limit the number of times you see an ad, and measure the effectiveness of ad campaigns. These cookies track your online activities across different websites to build a profile of your interests.
• Web Beacons and Pixels: We use web beacons and pixel tags in combination with cookies to track user behavior on our website and in our emails. These technologies help us deliver personalized ads and monitor the effectiveness of our email marketing.

Third-Party Cookies and Tracking

Some cookies and tracking technologies are set by third-party service providers when you visit our website. These third parties include advertising networks, analytics providers, and social media platforms that track your online activities over time and across different websites. We do not control these third-party cookies, and their use is governed by their own privacy policies.

Some of the third-party tracking tools we use include:

• Google Analytics: Helps us analyze user behavior to improve the website. For more information, you can visit Google Analytics.
• Facebook Ads and Pixels: We use Facebook’s advertising services to deliver targeted ads based on your activity on our website. More information on Facebook tracking can be found here.
• Clicky Web Analytics: Provides real-time tracking and insights into user behavior, helping us optimize website performance and user experience. You can learn more about their data practices here.
• Google Ads: Enables us to serve targeted ads to users based on their Browse behavior and interactions with our site. For more information on how Google Ads tracks data, please visit Google Ads Privacy & Terms.

Managing Cookies and Tracking Technologies

You can control how cookies and other tracking technologies are used on your device through your browser settings. Most browsers allow you to block or delete cookies or alert you when a cookie is set. However, blocking or deleting cookies may impact the functionality of certain website features.

You can also manage cookies and tracking technologies by visiting:

• Google Analytics Opt-Out
• Network Advertising Initiative (NAI) Opt-Out
• Digital Advertising Alliance (DAA) Opt-Out

Do Not Track (DNT)

Some browsers offer a “Do Not Track” (DNT) feature that lets you signal to websites that you do not want to be tracked. However, as there is currently no industry standard for interpreting these signals, Clear Path Creative does not respond to DNT signals at this time. For more information on DNT, visit All About DNT.

10. Interest-Based Advertising

Clear Path Creative, LLC participates in interest-based advertising, also known as online behavioral advertising. This means we, or our advertising partners, may use information about your online activities to deliver ads that are tailored to your individual interests.

How Interest-Based Advertising Works

When you visit our website or interact with our ads, we or our advertising partners may collect information about your activities over time and across different websites or online services. We may use technologies such as cookies, web beacons, and pixels to track your interactions. These tools help us infer your preferences and interests to serve more relevant ads.

Types of Information Used for Interest-Based Advertising

The information used for interest-based advertising may include:

• Information about your interactions with our website (e.g., pages visited, links clicked)
• Information about your device (e.g., IP address, browser type, operating system)
• Demographic information (e.g., age, gender, location)
• Information about your interactions with our ads or other services
• The website or URL you visited before coming to our site

Third-Party Advertising Partners

We work with third-party advertising networks, including Google Ads, Facebook Ads, and others, to display interest-based ads. These third-party companies may collect information about your online activities across different websites using cookies, web beacons, pixels, and other tracking technologies. For more information about how these companies use your data, please refer to their privacy policies:

• Google Privacy Policy
• Facebook Privacy Policy

Benefits of Interest-Based Advertising. Interest-based advertising allows us to show you ads that are more relevant to your interests. It also helps support the free content, products, and services you find online.

Your Choices Regarding Interest-Based Advertising

You have several options to manage your preferences and limit the use of your information for interest-based advertising:

• Network Advertising Initiative (NAI): Opt out of interest-based advertising from companies participating in the NAI by visiting NAI Opt-Out.
• Digital Advertising Alliance (DAA): Opt out of interest-based advertising from companies participating in the DAA by visiting DAA Opt-Out.
• Google Ads Settings: Manage your ad preferences on Google by visiting Google Ads Settings.
• Facebook Ad Preferences: Manage your ad preferences on Facebook by visiting Facebook Ad Preferences.
• Mobile Device Settings: Adjust the privacy and advertising settings on your mobile device to limit tracking for advertising purposes.
• Browser Settings: Use your browser settings to block cookies or receive warnings before accepting them. Please note that blocking cookies may cause some website features to function improperly.

Please be aware that even if you opt out of interest-based advertising, you may still see ads from us. However, these ads will not be personalized based on your online activities.

11. Third-Party Links and Services

The Clear Path Creative, LLC website may contain links to third-party websites, products, or services. We may also use or offer services from third parties, such as insurance providers or data analytics tools. This section explains our relationship with these third parties and how your information may be shared with them.

Links to Other Websites

Our website may include links to other websites whose privacy practices may differ from ours. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

Third-Party Services

We may use third-party services to support our operations, such as:

• Insurance providers, agents, or agencies
• Customer relationship management systems
• Data analytics providers
• Marketing and advertising partners

When you interact with these services through our website, they may collect information from you directly. In these cases, you will be subject to the third partyʼs privacy policy as well as ours.

Social Media Widgets

Our website may include social media features, such as the Facebook “Like” button or Twitter widgets. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Your interactions with these features are governed by the privacy policy of the company providing them.

Our Responsibility

While we select our third-party partners carefully, we are not responsible for the privacy practices of websites or services operated by third parties. When you leave our website, we encourage you to review the privacy statements of every website you visit.

Data Transfers to Third Parties. When we transfer personal data to third parties, we take steps to ensure that the information is processed lawfully and securely.

Your Choices. You have choices about the third-party services used on our website:

• You can usually choose not to provide personal information to third-party services, though this may impact your ability to use certain features.
• You may be able to limit data collection or use by third-party services through your device or browser settings.

Remember, when you provide information to a third party, you are subject to their terms and conditions and privacy policies. We encourage you to reviewthese before submitting any personal information.

12. Children’s Privacy

Clear Path Creative, LLC is committed to protecting the privacy of children who may use our website or services. This section explains our practices regarding the collection and handling of children’s personal information.

Age Restrictions

Our website and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18. Given the nature of our Medicare-related services, we do not expect children to use our website or interact with our services.

Unintentional Collection of Children’s Information

If we discover that we have inadvertently collected personal information from a child under the age of 18 without verified parental consent, we will take immediate steps to delete that information from our records. If you believe we might have any information from or about a child under 18, please contact us promptly using the information provided in the Contact Information section of this policy.

Parental Rights. Parents or legal guardians have the right to review, delete, manage, or prevent further collection or use of their childʼs personal information. If you wish to exercise these rights, please contact us using the information provided in the Contact Information section of this policy.

Compliance with Laws. Clear Path Creative, LLC complies with the Childrenʼs Online Privacy Protection Act (COPPA) and other applicable laws regarding childrenʼs privacy. We do not knowingly market to or solicit information from individuals under the age of 18.

If you have any questions or concerns about our policies regarding childrenʼs privacy, please contact us using the information provided in the Contact Information section of this policy.

13. Changes to This Privacy Policy

Clear Path Creative, LLC is committed to maintaining the accuracy and relevance of this Privacy Policy. We may update this policy from time to time to reflect changes in our practices, technologies, legal requirements, and other factors.

How We Make Changes

When we make changes to this Privacy Policy, we will:

• Update the “Last Updated” date at the top of this Privacy Policy.
• Provide notice of any material changes as required by applicable law.

Notification of Changes

We may notify you of material changes to this policy by:

• Posting a notice on our website
• Sending an email to the address associated with your account (if applicable)
• Displaying a prominent announcement on our services

Review of Changes

We encourage you to periodically review this Privacy Policy to stay informed about how we collect, use, and protect your personal information.

Your Continued Use

Your continued use of our services after we make changes to the Privacy Policy means that you accept the revised policy. If you do not agree to the changes, you should discontinue your use of our services and contact us to close your account, if applicable.

Questions About Changes

If you have any questions or concerns about changes to this Privacy Policy, please contact us using the information provided in the “Contact Information” section. We will be happy to provide additional information and address any concerns you may have.

14. Data Transfers within the United States

Clear Path Creative, LLC operates exclusively within the United States, and our website and services are intended for users located within the U.S. We may transfer, store, and process the information we collect about you, including personal information, in various locations across the United States, which may be outside of your specific state or jurisdiction.

The data protection laws in the locations where your personal information is processed may differ from the laws in your jurisdiction. However, we will handle your personal information in accordance with this Privacy Policy, regardless of where it is processed or stored within the U.S.

By using our website or providing us with your personal information, you consent to the transfer, storage, and processing of your information within the United States as outlined in this Privacy Policy.

15. Communication Preferences and TCPA Compliance

Clear Path Creative, LLC respects your communication preferences and complies with the Telephone Consumer Protection Act (TCPA) and other relevant laws governing communications with consumers.

Types of Communications

We may contact you through the following methods:

• Email
• Phone calls
• Text messages (SMS/MMS)
• Postal mail

Consent to Communications

By providing your contact information and using our services, you expressly consent to receive communications from us and our partners, including:

• Information about Medicare plans and related services
• Updates regarding your inquiries or applications
• Marketing and promotional messages
• Surveys and feedback requests

Automated Communication Systems

We and our partners may use automated dialing systems, AI-generated or prerecorded voice messages, and text messages to contact you. By providing your phone number and other contact information, you provide your E-SIGN signature and express written consent to receive these types of communications.

TCPA Compliance

In compliance with the TCPA:

• We maintain an internal Do Not Call list.
• We provide opt-out mechanisms in all marketing communications.
• We adhere to legally permissible calling hours.

Your Communication Choices

You have control over your communication preferences. To manage these, you can:

• Opt-out of marketing communications: Unsubscribe from marketing emails by clicking the “unsubscribe” link in any email or by contacting us directly.
• Limit phone calls: Request to be added to our internal Do Not Call list to stop receiving phone calls.
• Stop text messages: Opt-out of text messages by replying “STOP” to any SMS/MMS communication from us.

Opting Out

Opting out of one form of communication (e.g., marketing emails) does not automatically opt you out of other forms (e.g., phone calls or text messages). If you wish to stop all communications, please contact us directly.

Essential Communications

Even if you opt-out of marketing communications, we may still contact you for non-marketing purposes, including:

• Responding to inquiries
• Providing information about your application or coverage
• Sending legally required notices

Third-Party Communications

Opting out of communications from Clear Path Creative does not affect communications from third parties, including insurance providers or brokers connected to you through our services. To stop communications from these parties, you must contact them directly or refer to their privacy policies for opt-out instructions.

16. Severability

If any provision of this Privacy Policy is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this policy and shall not affect the validity and enforceability of any remaining provisions. Any unenforceable provision will be replaced with a valid provision that comes closest to the intent of the original provision.

17. Contact Information

We welcome your questions, comments, and concerns about privacy. You can contact Clear Path Creative, LLC about any privacy-related issues in the following ways:

• Email: For privacy-related inquiries, please email us at: info@advantageplusbenefits.com with a subject line of “Privacy Policy”.

We take your privacy seriously and will make every effort to address your concerns in a timely and effective manner. Thank you for trusting Clear Path Creative, LLC with your personal information.