Welcome to Merit Protection Group. Your privacy and data security are our highest priorities. This Privacy Policy explains how we collect, use, protect, and handle your personal information when you visit our website or use our services.
1. Digital-Only Operations
Merit Protection Group operates as a fully digital insurance agency. All communications, plan information, and support are delivered exclusively through secure email at support@meritprotectiongroup.io. We do not conduct telemarketing calls, phone solicitations, or in-person sales.
2. Information We Collect
When you request information or submit forms on our website, we may collect your name, email address, zip code, and geographic region. We also collect anonymous usage data through standard web analytics tools, including pages visited, time spent on site, and referring URLs.
3. How We Use Your Information
We use your information solely to respond to your inquiries, provide insurance plan options, and fulfill your service requests. We do not sell, rent, trade, or share your personal information with third-party lead aggregators, data brokers, or unauthorized entities. Your data is used exclusively by our licensed team to assist you.
4. HIPAA & Data Security Compliance
Because your information may relate to healthcare coverage decisions, we implement industry-standard security practices including SSL/HTTPS encryption on all pages and secure form transmission. All data transmitted between your browser and our site is protected using Secure Socket Layer (SSL) encryption. We do not store sensitive health information on unsecured servers.
5. TCPA & OIC Compliance
In strict compliance with the Telephone Consumer Protection Act (TCPA) and the Office of the Insurance Commissioner (OIC) guidelines, we require your explicit, affirmative written consent before sending marketing communications. You may revoke consent at any time by emailing support@meritprotectiongroup.io with the subject line REMOVE. Data will be restricted from marketing queues within 10 business days.
6. CMS Medicare Compliance
Merit Protection Group complies with all Centers for Medicare & Medicaid Services (CMS) marketing guidelines. We do not offer every Medicare plan available in your area. The required CMS disclosure statement is displayed prominently in our website footer. For complete information on all available plans, contact Medicare.gov or call 1-800-MEDICARE.
7. Cookies & Tracking Technologies
We use cookies and similar technologies to analyze web traffic and improve site performance. These tools may collect anonymous behavioral data such as page views and session duration. You may disable cookies in your browser settings at any time. Disabling cookies does not affect your ability to access our products or submit forms.
8. Third-Party Links
Our website contains links to third-party platforms including Travel Insurance Center, JotForm, BondExchange, and Quote & Apply. These sites operate under their own privacy policies and terms. Merit Protection Group is not responsible for the privacy practices of external sites. We encourage you to review the privacy policy of any site you visit through our links.
9. Data Retention
We retain your personal information only as long as necessary to fulfill the purpose for which it was collected, comply with legal obligations, and resolve disputes. Upon your written request to delete your data, we will process the request within 30 days and confirm deletion in writing.
10. Your Rights
You have the right to access, correct, or request deletion of your personal information held by Merit Protection Group. You may also request that we restrict or cease processing your data. To exercise any of these rights, email us at support@meritprotectiongroup.io. We will respond to all requests within 30 business days.
11. Children's Privacy
Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted personal data to our site, please contact us immediately at support@meritprotectiongroup.io so we can remove it.
12. Contact Information
For privacy questions, data deletion requests, or compliance inquiries, please contact our designated compliance team: Email: support@meritprotectiongroup.io. Merit Protection Group — Licensed in Wisconsin (WI), Arizona (AZ), and Colorado (CO). National Producer # 20055600.
13. Mobile Phone & SMS Data Policy
No mobile phone numbers or SMS opt-in data collected through any form on this website will be shared with third parties or affiliates for marketing or promotional purposes. Mobile information submitted through our contact, Medicare consent, or any other inquiry form is used exclusively to fulfill your specific service request. This policy applies to all mobile data collected, including phone numbers provided on an optional basis. Consent to be contacted via phone or text is not a condition of purchasing any insurance product or service.