Privacy Policy

Effective Date: April 21, 2026
Last Updated: April 21, 2026

Lourdes Simons Insurance ("we," "us," or "our") is committed to protecting the privacy of individuals who visit our website at lourdesimonsinsurance.com and interact with our services. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and your rights regarding that information.

1. Information We Collect

Information you provide directly

When you fill out a form on our website, schedule a consultation, or contact us, we may collect:

• Name (first and last)
• Email address
• Phone number
• Information about your Medicare needs (such as your situation, preferred contact method, and topics of interest)

Information collected automatically

When you visit our website, certain information may be collected automatically through cookies and similar technologies, including:

• Browser type and version
• Device type and operating system
• IP address
• Pages visited, time spent on pages, and navigation paths
• Referring website or search terms

2. How We Use Your Information

We use the information we collect to:

• Contact you about Medicare plan options you have requested information about
• Schedule and conduct consultations
• Provide requested guides, resources, and educational materials
• Respond to your questions and provide ongoing client support
• Improve our website and services
• Comply with CMS (Centers for Medicare & Medicaid Services) recordkeeping requirements

3. Information Sharing at Enrollment

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

4. Third-Party Services

We use the following third-party services to operate our website and communicate with you:

• Formspree — Processes form submissions from our website. When you submit a form, your information is transmitted through Formspree's servers. Formspree Privacy Policy
• Calendly — Handles online appointment scheduling. When you book a consultation, Calendly processes your scheduling information. Calendly Privacy Policy
• ElevenLabs — Powers our conversational chat assistant. Interactions with the chat widget may be processed by ElevenLabs. ElevenLabs Privacy Policy
• Google Analytics — Collects anonymized website usage data to help us understand how visitors use our site and improve the experience. Google Privacy Policy

5. Data Retention

We retain your information for the following periods:

• Lead form submissions and consent records: Retained for a minimum of 10 years in accordance with CMS marketing and recordkeeping requirements.
• Call recordings: Calls made for enrollment purposes may be recorded and retained in accordance with CMS regulations under 42 CFR §422.2274(g). These recordings are kept for the period required by applicable CMS guidelines.
• Website analytics data: Retained according to the policies of the respective analytics provider (typically 14 to 26 months for Google Analytics).

6. Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

Right to know

You have the right to request that we disclose what personal information we have collected about you, the categories of sources from which it was collected, the purpose for collecting it, and the categories of third parties with whom we have shared it.

Right to delete

You have the right to request that we delete personal information we have collected from you, subject to certain exceptions (for example, information we are required to retain by law or by CMS regulations).

Right to opt out of sale or sharing

You have the right to opt out of the sale or sharing of your personal information. We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising purposes.

Right to non-discrimination

You have the right not to be discriminated against for exercising any of your CCPA/CPRA rights. We will not deny you services, charge you different prices, or provide a different level of service because you exercised your privacy rights.

Do Not Sell or Share My Personal Information

How to submit a request

To exercise any of your rights under the CCPA/CPRA, you may contact us by:

• Email: lourdes@lourdesimonsinsurance.com
• Phone: 323-673-7613

We will verify your identity before processing your request and respond within 45 days as required by law.

7. Cookie Disclosure

Our website uses cookies and similar technologies for the following purposes:

• Essential cookies: Required for the website to function properly (for example, remembering your accessibility preferences).
• Analytics cookies: Help us understand how visitors use our website so we can improve the experience. These are provided by Google Analytics and collect anonymized data.
• Functional cookies: Remember your preferences, such as accessibility settings and language selection.

How to manage cookies

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. Please note that disabling cookies may affect the functionality of our website. You can also opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

8. Children's Privacy

Our website and services are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly. If you believe a child under 13 has provided us with personal information, please contact us at lourdes@lourdesimonsinsurance.com.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. If we make material changes, we will provide notice on our website.

10. Contact Information