Privacy Policy

We collect information you provide directly to us, including:

• Contact information — name, address, phone number, email.
• Demographic information — date of birth, gender, marital status.
• Health-related information — current coverage, medications, providers, and health history when you choose to share it for the purpose of plan recommendations.
• Financial information — necessary for premium quotes and enrollment.
• Communication records — notes, emails, recorded calls (when applicable and disclosed), and consultation summaries.

We also automatically collect limited technical information when you visit our website, such as device type, browser, IP address, and pages viewed.

• Provide Medicare education, quotes, plan comparisons, and enrollment assistance.
• Communicate with you about your coverage, applications, and annual reviews.
• Comply with state and federal regulations applicable to insurance professionals.
• Maintain accurate client records for the duration of our advisory relationship.
• Improve our services and the content of our website.

We do not sell your personal information.

Our website uses minimal cookies and similar technologies to remember preferences, measure site performance, and improve user experience. You may disable cookies in your browser settings — some site features may not function properly without them.

We may share your information with:

• Insurance carriers — to obtain quotes and process applications you authorize.
• Service providers — such as scheduling tools, email systems, and secure document storage, under written confidentiality obligations.
• Government agencies — when required by law, regulation, or valid legal process.

We do not authorize third parties to use your information for their own marketing purposes.

We use industry-accepted administrative, physical, and technical safeguards to protect your information. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

We retain client records for the period required by applicable insurance regulations, generally for the duration of your coverage plus a regulatory retention window. You may request deletion of information that is not required by law to be retained.

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of certain information.
• Opt out of certain communications.
• Receive a copy of this notice in an accessible format.

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). To exercise these rights, contact us using the information below.

Our services are intended for adults. We do not knowingly collect personal information from individuals under the age of 18.

We may update this policy from time to time. Material changes will be posted on this page along with an updated "last updated" date.

For privacy questions or to exercise your privacy rights, contact us:

Garbo Insurance
Email: Garbomedicare@gmail.com
Phone: (818) 749-2131
Los Angeles, CA