Effective Date: January 1, 2026

Golden Years Design Benefits respects your privacy and protects the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, and your rights as a consumer.

Information We Collect
We collect personal information you voluntarily provide when you interact with us online, by phone, or through forms. This includes:

• Full name
• Phone number
• Email address
• Mailing address
• Date of birth
• Insurance related information needed to provide quotes or services
• Communication preferences

We also collect limited technical data such as IP address, device type, browser type, and website activity for security and analytics purposes.

How We Use Your Information
We use your information to:

• Provide insurance quotes and services
• Schedule appointments and consultations
• Communicate plan updates, reminders, and service related messages
• Respond to inquiries and support requests
• Improve our services and customer experience
• Meet legal, regulatory, and compliance obligations

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors who support our services, such as customer support providers. Text messaging originator opt-in data and consent will never be shared with any third parties.

SMS and Communication Opt In
When you provide your phone number, you consent to receive calls and text messages from Comprehensive Insurance Advisors. Messages may include appointment reminders, service updates, and account related notifications.

• Message frequency varies
• Message and data rates apply
• Reply STOP to opt out at any time
• Reply HELP for assistance

Consent is not a condition of purchase.

Cookies and Tracking Practices
Our website uses cookies and similar tracking tools to:

• Improve website functionality
• Analyze traffic and usage patterns
• Support marketing and performance measurement

You can control cookie settings through your browser preferences.

Data Security and Handling
We use administrative, technical, and physical safeguards to protect your personal information. Access is limited to authorized staff and trusted service providers who need the data to perform their duties.

Mobile Information & SMS Privacy

When you provide your mobile number and opt in to receive text messages from Golden Years Design Benefits LLC, you consent to receive SMS communications related to our services.

We do not sell, trade, or share your mobile number or SMS opt-in data with third parties for marketing purposes.

Mobile information and opt-in data will only be used to deliver the requested services and communications. Information may be shared only with trusted service providers strictly for message delivery, and not for promotional use.

You may opt out at any time by replying STOP.

User Rights
You have the right to:

• Request access to your personal data
• Request corrections to inaccurate information
• Withdraw consent for communications
• Request deletion of your data, subject to legal retention requirements

Requests can be made using the contact information below.

Data Retention
We retain personal information only for as long as necessary to provide services, meet legal obligations, and resolve disputes.

Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

Contact Information
If you have questions about this Privacy Policy or your data, contact us at:

Golden Years Design Benefits
Email: [email protected]
Phone: (732) 526-7659
Website: http://goldenyearsdesignbenefits.net