Privacy Policy

1. Introduction

This Privacy Policy explains how Senior Insurance Scout ("we", "us", or "our") collects, uses, and shares your personal information when you use this website (the "Site").

This Site is part of the Compare Media Group network.

We comply with applicable privacy laws, including:

- U.S. federal and state privacy laws, including CCPA/CPRA

- The Privacy Act 1988 (Cth) (Australia)

2. Nature of Our Service

We operate as a marketing and referral platform.

When you submit your information, we:

- Collect your details

- Match you with relevant third-party providers, including licensed insurance professionals and/or financial service providers ("Partners")

- Share your information so they can contact you

We do not:

- Provide financial, insurance, or legal advice

- Assess suitability

- Recommend specific providers or products

Partners are solely responsible for their servicess

3. Information We Collect

3.1 Information You Provide

- Name

- Phone number

- Email address

- Location (e.g. postcode)

- Age or date of birth

- Information about your insurance or financial needs

3.2 Inquiry Information

Depending on your request, you may provide:

- Insurance preferences or requirements

- General financial or lifestyle information

By submitting your information, you:

- Consent to its collection and use

- Acknowledge it will be shared with Partners

We do not intentionally collect:

- Government ID numbers (e.g. SSN, TFN)

- Detailed medical records

3.3 Automatically Collected Data

We may collect:

- IP address

- Device and browser type

- Website usage data

- Cookies and tracking data

4. How We Use Your Information

We use your information to:

- Connect you with relevant Partners

- Enable Partners to contact you

- Operate and improve our services

- Detect fraud or invalid submissions

- Maintain compliance records

5. Consent to Contact

By submitting your information, you expressly consent to be contacted by us and/or our Partners via:

- Phone (including automated dialing systems)

- SMS or MMS

- Email

- Artificial or prerecorded voice

This may occur even if your number is on a Do Not Call registry.

- Consent is not a condition of purchase

- You may opt out at any time

6. How We Share Your Information

6.1 With Partners (Core Service)

We share your information with one or more Partners so they can respond to your request.

Partners may include:

- Insurance brokers or agents

- Financial service providers

- Lenders

- Call centres or distribution partners

Under U.S. privacy laws, this may be considered a "sale" or "sharing" of personal information.

6.2 With Service Providers

We may share information with trusted third parties that help us operate the Site, including:

- Hosting providers

- Analytics tools

- CRM and lead routing systems

These providers are contractually restricted in how they use your data.

6.3 Legal Requirements

We may disclose information where required to:

- Comply with legal obligations

- Protect rights, safety, or security

7. Consent Verification

We use industry-standard tools to document consent, including:

- TrustedForm (ActiveProspect)

- Jornaya LeadID (where applicable)

These tools help:

- Record your interaction

- Capture consent language

- Maintain compliance with marketing regulations

8. U.S. Privacy Rights

Depending on your state, you may have rights to:

- Access your personal information

- Request deletion

- Request correction

- Opt-out of sale or sharing

To exercise your rights:

- Use the "Do Not Sell or Share My Personal Information" link (if available)

9. Australian Privacy Rights

Under Australian law, you may:

- Request access to your data

- Request corrections

- Lodge a complaint

If unresolved, you may contact the Office of the Australian Information Commissioner.

10. Data Security & Retention

We take reasonable steps to protect your information.

We retain data only:

- As necessary for our services

- To meet legal and compliance obligations

11. International Data Transfers

Your data may be processed or stored in:

- United States

- Australia

- Other jurisdictions used by our service providers

By using this Site, you consent to this.

12. Cookies & Tracking

We use cookies and similar technologies to:

- Improve user experience

- Analyse performance

- Support marketing

You can manage cookies via your browser settings.

13. Children’s Privacy

This Site is not intended for individuals under 18.

We do not knowingly collect data from minors.

14. Updates to This Policy

We may update this Privacy Policy from time to time. Continued use of the Site means you accept any updates.

15. Contact

For privacy-related inquiries:

Senior Insurance Scout™ is not an insurance provider, insurance agency, or licensed insurance broker. We operate as a free online referral service and lead generator that connects users with independent, licensed insurance professionals and third-party partners ("Partners"). We do not sell insurance products directly, underwrite policies, or make any determinations regarding your eligibility for coverage.

Services & Referrals

By submitting your information through this website, you acknowledge and agree that Senior Insurance Scout will share your details with our Partners, who may contact you directly to provide quotes or information. Enquiries are referred to third-party licensed advisors or providers who are solely responsible for the products and services they offer. Our Partners do not necessarily represent all insurance providers or products available in the marketplace.

Compensation Disclosure

Senior Insurance Scout receives advertising compensation from its Partners for providing referral services. This compensation may impact how and where partners appear on this site, including the order in which they are listed. Our listings do not constitute an endorsement or a recommendation of any specific provider or policy.

No Advice & Personal Responsibility

We do not provide financial, legal, taxation, or professional advice. The information, tools, and content on this Site are provided for general informational purposes only and are supplied on an "as is" basis. We make no representation that any insurance product is suitable for your specific needs. We strongly recommend that you consult with a licensed professional to review your personal objectives and financial situation before making any insurance or financial decisions.

TCPA Consent & Communication

By clicking "SUBMIT" (or the relevant call-to-action button), you provide your express written consent to be contacted by Senior Insurance Scout and/or our Partners at the phone number and email address provided. You agree that such contact may include the use of automated dialing systems, artificial or prerecorded voices, and SMS/text messages, even if your number is listed on a federal or state Do-Not-Call registry. Consent is not a condition of purchase. You may opt-out at any time by following the instructions provided in our communications or by contacting us to be added to our Internal Do Not Call List.

Equal Credit Opportunity & Non-Discrimination

Senior Insurance Scout does not discriminate on the basis of race, color, religion, national origin, gender, marital status, age, or the receipt of public assistance. We are committed to providing an inclusive platform for all users seeking insurance referrals.

Licensing & Regulatory Status

Senior Insurance Scout operates solely as a marketing lead generator and referral provider. We rely on applicable state "finder" and "referral" exemptions under various State Insurance Codes, which allow for the introduction of consumers to licensed professionals without an insurance producer license. Because Senior Insurance Scout does not sell, solicit, or negotiate insurance products, and does not provide comparisons or recommendations regarding specific policies, we are not required to hold individual state insurance agency or producer licenses.

California Privacy Rights

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have the right to opt-out of the sale or sharing of their personal information. If you are a California resident, please visit our Do Not Sell or Share My Personal Information page to exercise your rights.

Limitation of Liability

You use this Site and its content at your own risk. To the maximum extent permitted by law, Senior Insurance Scout, its affiliates, and its directors accept no liability for any loss or damage arising from your reliance on information provided on this Site or from the services provided by any Third-Party Partner.

Privacy & Terms

By using this Site, you acknowledge that you have read and agree to our Privacy Policy and Terms of Use.

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