Privacy Policy

Last Updated: July 25, 2026

Sharpe Insurance Solutions ("Company," "we," "our," or "us") is an independent insurance agency that helps individuals understand and compare Medicare coverage options. We respect your privacy and are committed to protecting the personal information you share with us.

This Privacy Policy explains what information we collect through our website, phone calls, appointments, and marketing materials, how we use it, and the choices available to you.

1. Information We Collect

Depending on how you interact with us, we may collect:

• Contact information — name, mailing address, email address, and phone number
• Appointment and inquiry details — the questions you ask, the coverage you are interested in, and notes from your consultation
• Medicare eligibility information — date of birth, Medicare Part A and Part B effective dates, and current coverage status
• Plan comparison information you choose to share — doctors, hospitals, preferred pharmacies, prescriptions, travel needs, and budget considerations
• Enrollment information — Medicare Beneficiary Identifier (MBI) and other details required by a carrier to process an application, collected only when you decide to enroll
• Technical data — IP address, browser type, device information, and pages visited
• Cookies and tracking technologies — see Section 8

You are never required to provide health or prescription information. Sharing it simply allows us to give you a more accurate comparison of the plans available to you.

2. How We Use Your Information

We use your information to:

• Respond to your request for a Medicare consultation and schedule your appointment
• Review your current coverage and identify the plan options available in your area
• Compare plan benefits, premiums, provider networks, and prescription drug coverage for you
• Submit an enrollment application to an insurance carrier at your direction
• Provide ongoing service, including annual coverage reviews and claims or billing questions
• Communicate with you by phone, SMS, email, and mail
• Send plan updates, enrollment period reminders, and service announcements
• Improve our website and the quality of our service
• Meet recordkeeping, licensing, and regulatory obligations, including Medicare marketing requirements

3. Telephone and SMS Communications

By providing your phone number, you consent to be contacted by Sharpe Insurance Solutions and a licensed insurance agent by phone and text message regarding Medicare insurance options, including:

• Appointment confirmations, reminders, and scheduling changes
• Follow-up on questions raised during your consultation
• Enrollment period reminders and plan review notifications
• Customer service and support communications

Message frequency may vary. Message and data rates may apply.

You can opt out at any time by replying:

• STOP to unsubscribe
• HELP for assistance

Opting out of text messages does not remove you from any insurance plan and does not affect your coverage.

4. No Sharing or Sale of SMS Opt-In Data

We do not sell, rent, or share SMS opt-in data or phone numbers with any third parties for marketing purposes. Your SMS consent and phone number are used solely for communications directly from Sharpe Insurance Solutions. This information is never shared with affiliates, lead buyers, partners, or any outside organization for their own marketing use.

5. When We Share Information

We share your information only as needed to serve you or as required by law, including with:

• Insurance carriers — when you ask us to submit an application, request a quote, or resolve a service issue on your behalf
• The Centers for Medicare & Medicaid Services (CMS) or its contractors, where required for enrollment processing or oversight
• Field marketing organizations or upline agencies that support our appointments and contracting with carriers
• Service providers that operate our phone, text, email, scheduling, and CRM systems under contractual confidentiality obligations
• Legal and regulatory authorities, when we are required to respond to a subpoena, audit, investigation, or other legal obligation

We do not sell your personal information.

6. Health and Prescription Information

Any health, prescription, or provider information you share is used only to help identify and compare coverage options that fit your needs, and to submit an application when you choose to enroll. We treat this information as confidential and handle it in accordance with applicable federal and state privacy laws and Medicare marketing requirements.

7. Call Recording

Some calls with our office may be recorded and retained. Medicare marketing rules require certain sales calls to be recorded in their entirety and stored for a period set by CMS. Recordings are used for compliance, quality assurance, and training, and are stored securely with restricted access.

8. Cookies & Tracking Technologies

We use cookies and similar tracking technologies on our website to:

• Improve website functionality and performance
• Analyze visitor behavior and traffic patterns
• Personalize your browsing experience
• Support marketing and retargeting efforts

Types of cookies we may use:

• Essential cookies — required for the website to function properly
• Analytics cookies — help us understand how visitors interact with our site (for example, Google Analytics)
• Marketing cookies — used to deliver relevant advertising and measure campaign performance

You can control or disable cookies at any time through your browser settings. Disabling certain cookies may affect how parts of our website function.

9. How We Protect Your Information

We use appropriate industry-standard safeguards to protect your personal information from unauthorized access, disclosure, alteration, or misuse, including restricted access to client files and secure storage of applications and recordings. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

10. Data Retention

We retain your personal information for as long as necessary to serve you and to meet our legal, carrier, and regulatory obligations. Certain Medicare-related records, including recorded sales calls and enrollment documentation, must be retained for a minimum period required by CMS and applicable state insurance regulations.

11. Your Rights and Choices

You have the right to:

• Request access to, correction of, or deletion of your personal information
• Opt out of marketing communications at any time
• Withdraw consent for SMS or email communications at any time
• Decline to provide health or prescription information
• Ask to be placed on our internal Do Not Call list
• File a complaint with a relevant data protection or insurance regulatory authority

Some information must be retained to satisfy legal and regulatory recordkeeping requirements even after a deletion request. To exercise any of these rights, contact us using the information in Section 15.

12. Third-Party Websites

Our website may link to carrier websites, Medicare.gov, or other third-party resources. We are not responsible for the privacy practices of those sites and encourage you to review their individual policies.

13. Age Restriction

Our services are intended for individuals 18 years of age or older who are eligible for or enrolled in Medicare, or who are assisting someone who is. We do not knowingly collect personal information from minors. If you believe a minor has submitted information to us, please contact us immediately.

14. Legal and Regulatory Disclaimer

15. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Last Updated" date. Continued use of our website or services after an update indicates your acceptance of the revised policy.

16. Contact Information

If you have questions about this Privacy Policy or how your information is handled, contact us:

Sharpe Insurance Solutions
Josh Sharpe, Licensed Insurance Agent
12500 Heathfield Lane
Oklahoma City, OK 73173
Phone: (405) 761-8006
Email: [email protected]