Gold Harbor Group ("Company," "we," "us," or "our") is an independent insurance agency located at 5900 Balcones Drive #19515, Austin, TX 78731. We offer Life Insurance, Health Insurance (on- and off-Marketplace), Medicare Advantage, Medicare Supplements, Part D, and ancillary coverage products.

This Privacy Policy describes how we collect, use, disclose, and protect personal information when you visit www.goldharborgroup.com, contact us by phone or email, submit a web form, or receive communications from us — including SMS/text messages.

By using our Site or providing your personal information to us, you agree to the practices described in this Privacy Policy.

Information You Provide Directly

• Full name, date of birth, and gender
• Mailing address, city, state, and ZIP code
• Phone number (including mobile/cell number)
• Email address
• Health status, coverage needs, and insurance preferences
• Medicare or insurance ID numbers when required
• Appointment scheduling details

Information Collected Automatically

• IP address, browser type, and device identifiers
• Pages visited, time on site, and referring URLs
• Cookie and pixel data (see Section 6)

Information from Third Parties

• Lead generation partners who have obtained appropriate consent
• Insurance carrier partners for enrollment verification
• Publicly available records as permitted by law

We use the personal information we collect for the following purposes:

• To provide insurance quotes, enrollment assistance, and advisory services
• To schedule and confirm appointments with our licensed agents
• To send you transactional communications (appointment reminders, policy confirmations)
• To send you informational and promotional messages about insurance plans, with your consent
• To respond to your inquiries and provide customer support
• To comply with applicable federal and state insurance laws and regulations
• To detect and prevent fraud, unauthorized access, or other illegal activities
• To improve our website, services, and communications

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

How We Obtain Consent

We will only send you marketing or informational SMS/MMS messages if you have expressly opted in by:

• Checking an opt-in box on our website contact or quote forms;
• Texting a designated keyword to our short code or long code number; or
• Verbally consenting with an agent who records your consent in our CRM.

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

Types of Messages

• Transactional: Appointment confirmations, enrollment status updates, policy renewal notices, and urgent account information.
• Informational/Marketing: Insurance plan information, open enrollment reminders, Medicare Annual Enrollment Period alerts, and company updates.

Message Frequency

Message frequency varies. You may receive up to 8 marketing messages per month. Transactional messages may be sent as needed.

Message & Data Rates

Standard message and data rates may apply. Gold Harbor Group does not charge for SMS messages, but your carrier may.

How to Opt Out

Reply STOP to any message to opt out. You will receive one final confirmation and no further marketing texts will be sent. Reply START to re-subscribe at any time.

Help

Reply HELP for assistance, or contact us at (888) 576-3382 or [email protected].

Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Privacy of SMS Data

Mobile opt-in data will not be shared with or sold to third parties for their own marketing purposes.

We may share your personal information in the following limited circumstances:

• Insurance Carriers & Partners: To obtain quotes, facilitate enrollment, or manage your policy with carriers such as Humana, Cigna, Aetna, UnitedHealthcare, Mutual of Omaha, and others.
• Service Providers: Third-party vendors assisting with CRM, scheduling, email delivery, and hosting — bound by confidentiality agreements.
• Regulatory Authorities: As required by state insurance departments, CMS, or other government agencies.
• Business Transfers: In the event of a merger, acquisition, or sale of assets.
• With Your Consent: For other purposes with your explicit permission.

We do not sell, rent, or trade your personal information to unaffiliated third parties for direct marketing use.

Our website uses cookies and similar tracking technologies. Types include:

• Essential cookies: Required for the website to function properly.
• Analytics cookies: Help us understand how visitors use our site.
• Marketing cookies: Used to deliver relevant advertisements.

You can control cookies through your browser settings. Disabling certain cookies may affect site functionality.

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy. Insurance-related records may be retained for a minimum of 5–7 years in accordance with state insurance regulations.

SMS opt-in and opt-out records are retained for a minimum of 4 years as required by CTIA and carrier guidelines.

Depending on your state of residence, you may have the following rights:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention obligations.
• Opt-Out of Marketing: Unsubscribe from email or SMS marketing at any time.
• Do Not Sell: We do not sell personal information.

To exercise any of these rights, contact us using the information in Section 12. We will respond within 30 days.

California Residents: You may have additional rights under the CCPA/CPRA. Please contact us for a California-specific privacy notice.

Texas Residents: You may have rights under the Texas Data Privacy and Security Act (TDPSA), including access, correction, deletion, and portability rights.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will delete that information promptly.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including encrypted data transmission (SSL/TLS), access controls, and secure data storage practices.

No method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this policy and notify you where appropriate.

Your continued use of our Site after any changes constitutes your acceptance of the updated policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us using the details below.