Privacy Policy, Terms of Service & Legal Disclosures

Concise Insurance Services
January 2026

1. Introduction

Concise Insurance Services (“we,” “us,” or “our”) operates the website located at https://conciseinsuranceservices.com (the “Site”). This Privacy Policy and Terms of Use explain how we collect, use, disclose, and safeguard information obtained through the Site and establish the legal terms governing your access to and use of the Site and our services. By accessing or using this Site or submitting your information through our forms, you acknowledge and agree to this Policy and these Terms.

2. Information We Collect

2.1 Information You Provide Voluntarily

We may collect personal information that you voluntarily submit through forms, chats, emails, or other communications, including but not limited to your full name, email address, phone number, ZIP code or general location, insurance-related inquiry details, preferred contact method, and any information you choose to provide in message fields. We do not require or request Social Security numbers, full medical records, Medicare ID numbers, or financial account numbers through this Site.

2.2 Automatically Collected Information

When you visit the Site, we may automatically collect technical and usage information such as your IP address, browser type and version, device type, operating system, pages visited, time and date of visits, and referring website addresses. This information is used to understand how visitors use the Site and to improve functionality and performance.

2.3 Cookies & Tracking Technologies

We use cookies, pixels, web beacons, and similar technologies to operate and secure the Site, remember user preferences, analyze visitor behavior, measure marketing effectiveness, improve Site performance, and support advertising and retargeting. Cookies may be essential cookies required for Site functionality, analytics cookies that measure traffic and usage, marketing cookies that support advertising and remarketing, and preference cookies that remember user settings. Some cookies are placed by third-party providers such as analytics services, advertising platforms, embedded media services, and security tools. These third parties may collect information about your activity across different websites over time.

3. Cookie Consent & Control

When you first visit the Site, you may be presented with a cookie consent notice allowing you to accept or reject certain cookies. You can control cookies through your browser settings, cookie consent tools, and device settings. Disabling cookies may impact Site features and performance.

4. How We Use Information

We use collected information to respond to inquiries, provide insurance-related information, communicate with you, improve our Site and services, maintain security and prevent fraud, and comply with legal and regulatory requirements. We do not sell personal information.

5. Sharing of Information

We may share information with website and technology service providers, insurance carriers or related business partners when necessary to fulfill your request, regulatory or legal authorities when required by law, and successor entities in the event of a business transaction. We do not share phone numbers or SMS consent with third parties for their independent marketing purposes.

6. Communications & Consent

By submitting your information through this Site, you consent to be contacted by Concise Insurance Services via phone, text message, and email regarding your inquiry and related insurance services. Message frequency may vary and message and data rates may apply. You may opt out of SMS messages at any time by replying STOP and may request assistance by replying HELP. Email communications include unsubscribe options. Consent is not required as a condition of purchase and may be revoked at any time.

7. Medicare, Marketplace & Life Insurance Disclaimer

Concise Insurance Services provides assistance with Medicare, Marketplace (Affordable Care Act), and life insurance products. We are not affiliated with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services (CMS), Medicare, or Healthcare.gov. For Medicare, we may represent multiple Medicare Advantage, Medicare Supplement, and Prescription Drug Plan carriers; however, we do not represent every plan available in all areas and availability depends on your location and eligibility. For Marketplace (ACA) plans, we assist with enrollment in qualified health plans offered through the federal or state Marketplace. Subsidies and eligibility are determined by government guidelines and we do not guarantee qualification for premium tax credits or cost-sharing reductions. For life insurance, policies are subject to underwriting and carrier approval. All insurance products are subject to carrier rules, eligibility requirements, and policy terms and conditions.

8. Website & Professional Disclaimer

Content on this Site is provided for informational purposes only and does not constitute legal, medical, financial, or insurance advice. You should rely on official plan documents and licensed professionals when making decisions. We do not guarantee the accuracy, completeness, or timeliness of Site content.

9. Limitation of Liability

To the fullest extent permitted by law, Concise Insurance Services shall not be liable for any damages arising from your use of or inability to use this Site or reliance on its content, including direct, indirect, incidental, consequential, or punitive damages.

10. Third-Party Links & Tools

This Site may contain links to third-party websites or embedded tools. We do not control or endorse third-party content or privacy practices and are not responsible for their actions. Use of third-party services is at your own risk.

11. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access or misuse. However, no electronic transmission or storage system can be guaranteed to be completely secure.

12. Data Retention

We retain personal information only as long as necessary to provide services, fulfill legal obligations, resolve disputes, and enforce agreements.

13. Children’s Privacy

This Site is not intended for children under age 13 and we do not knowingly collect personal information from children under 13. If such information is discovered, it will be deleted promptly.

14. Your Rights

You may request access, correction, or deletion of your personal information by contacting us. Residents of certain states, including California, Colorado, Virginia, and Connecticut, may have additional rights under applicable privacy laws, including the right to access personal data, request deletion, limit certain data processing, and opt out of certain data uses.

15. Intellectual Property

All content, graphics, logos, and trademarks on this Site are the property of Concise Insurance Services and may not be copied, reproduced, or reused without written permission.

16. Governing Law

This Policy and your use of the Site shall be governed by the laws of the state in which Concise Insurance Services is headquartered, without regard to conflict-of-law principles.

17. Changes to This Policy

We may update this Policy at any time. Updates will be posted on this page with a revised effective date.