Privacy Policy

Privacy Policy

Last Updated: July 9, 2026

Medicare po Polsku (“Medicare po Polsku,” “we,” “us,” or “our”) is the Medicare brand of Assets Income Securities Co., an independent, licensed insurance agency. We respect your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you:

• Visit medicarepopolsku.com or another website that links to this Privacy Policy;
• Complete a website form;
• Schedule a consultation;
• Call, text, email, or otherwise communicate with us;
• Request information about insurance products;
• Apply for or enroll in an insurance plan through us; or
• Receive assistance from us after enrollment.

This Privacy Policy applies to information collected online and through our insurance-agency operations.

We are not connected with or endorsed by the United States government, the federal Medicare program, or the Centers for Medicare & Medicaid Services (“CMS”).

Our commitment, in plain language. Medicare po Polsku works your inquiry directly. We do not sell your personal information. We do not share it with other insurance agencies, marketing organizations, or lead buyers. We do not provide your information to third parties for their own marketing. We share information only as needed to deliver the services you ask for, for example with the insurance carrier you choose if and when you decide to apply, and as described below.

1. Personal Information We Collect

The information we collect depends on how you interact with us and which services you request.

Information you provide to us

We may collect information such as:

• Your name;
• Mailing address;
• Email address;
• Telephone number;
• State, county, and ZIP code;
• Date of birth or age;
• Preferred language and communication method;
• Information about your current or requested insurance coverage;
• Medicare eligibility and enrollment information;
• Information about healthcare providers, pharmacies, prescription medications, or coverage needs that you voluntarily provide;
• Information required to obtain a quote, compare plans, complete an application, or service an existing policy;
• Communication preferences and consent records;
• Information contained in messages, forms, emails, text messages, call recordings, or other communications with us; and
• Any other information you choose to provide.

Please do not submit a Social Security number, Medicare Beneficiary Identifier, payment-card number, medical record, or other highly sensitive information through a general website contact form unless the form specifically requests it and is intended for that purpose.

Information collected automatically

When you use our website, we and the companies that support our website may automatically collect certain technical and usage information, including:

• Internet Protocol address;
• Approximate location derived from your IP address;
• Browser and device type;
• Operating system;
• Referring and exit pages;
• Pages viewed and links selected;
• Dates and times of visits;
• General interaction and website-performance information; and
• Cookie, advertising, and analytics identifiers.

We may collect this information through cookies, pixels, tags, local storage, server logs, and similar technologies.

Information received from other sources

We may receive personal information from:

• Insurance carriers, in connection with a quote, application, or policy you have with them through us;
• Vendors that help us schedule appointments or communicate with clients;
• Publicly available sources; and
• Other parties when you direct or authorize them to provide information to us.

2. How We Use Personal Information

We may use personal information to:

• Respond to questions and requests;
• Schedule and conduct consultations;
• Determine which insurance products may be available in your area;
• Compare insurance options based on the information you provide;
• Provide quotes and insurance-related information;
• Complete and submit applications at your direction;
• Assist with enrollment and policy servicing;
• Communicate about appointments, applications, coverage, renewals, deadlines, and policy changes;
• Provide educational information and customer support;
• Maintain records of permissions, appointments, communications, and transactions;
• Comply with CMS requirements, carrier requirements, insurance laws, and other legal obligations;
• Verify identity, prevent fraud, and protect our systems;
• Maintain, troubleshoot, and improve our website and services;
• Measure the effectiveness of our advertising and communications;
• Enforce our agreements and protect our legal rights; and
• Carry out another purpose disclosed to you when the information is collected or with your consent.

We do not use information about your health, medications, or healthcare providers for unrelated advertising purposes.

3. Calls, Text Messages, and Emails

Calls and text messages

When you provide your telephone number and give the applicable consent, Medicare po Polsku may contact you by telephone or text message about your inquiry, consultation, insurance options, application, enrollment, policy servicing, appointment reminders, or other matters you authorized.

Depending on the consent presented when your information is collected, communications may be made using automated technology or an artificial or prerecorded voice.

Consent to receive marketing calls or text messages is not a condition of purchasing insurance. Message and data rates may apply. Message frequency may vary.

You can opt out of text messages at any time by replying STOP to any message; reply HELP for help. You may also withdraw consent to other marketing communications by telling a representative you do not wish to receive marketing calls, asking to be placed on our internal Do-Not-Call list, or contacting us using the information in the “Contact Us” section below.

After you opt out of marketing, we may continue to contact you when reasonably necessary to respond to your request, administer an application or policy, provide requested customer service, or send legally required communications.

Mobile opt-in information and consent to receive text messages will not be sold or shared with any third parties or affiliates for their own marketing or promotional purposes. Our text-messaging program operates under the carrier-required A2P 10DLC framework registered through The Campaign Registry, and messages are delivered through our messaging provider, Twilio.

Email

You may unsubscribe from promotional emails by using the unsubscribe link included in the message or by contacting us. Even after unsubscribing from promotional email, you may continue to receive non-promotional messages concerning an appointment, application, insurance policy, customer-service request, legal notice, or other ongoing business relationship.

4. Call Recording

Telephone calls may be monitored or recorded for quality assurance, training, recordkeeping, fraud prevention, and compliance purposes.

When applicable, we provide notice that a call is being recorded. Certain Medicare-related calls and records may be recorded and retained for the period required by CMS, insurance carriers, or applicable law.

By continuing a call after receiving a recording notice, you consent to the recording to the extent permitted by law. When legally required, we will obtain additional consent.

5. How We Disclose Personal Information

We do not sell your personal information, and we do not share it with other insurance agencies, field marketing organizations, or lead buyers for their own use or marketing. We disclose personal information only in the circumstances described below.

Insurance carriers

At your direction, we may provide information to an insurance carrier to:

• Obtain plan information or a quote;
• Determine product availability;
• Complete or submit an application;
• Process enrollment;
• Service an existing policy; or
• Resolve a customer-service matter.

The carrier’s processing of information is governed by its own privacy practices and applicable law.

Service providers

We use companies that perform services on our behalf, including services involving:

• Website hosting and security;
• Customer and lead management;
• Appointment scheduling;
• Telephone, email, and text-message communications;
• Data storage and backup;
• Analytics and website-performance measurement;
• Advertising measurement;
• Recordkeeping;
• Professional, legal, accounting, or compliance support; and
• Fraud prevention and information security.

These service providers may receive personal information only as reasonably necessary to perform services for us and are required to protect it and use it only for those services. They are not permitted to use your information for their own marketing.

Advertising and analytics companies

We may use analytics and advertising technologies to understand website traffic, improve our content, measure advertising results, and reach audiences who may be interested in our services. These technologies may collect device, browser, cookie, and website-interaction information. Depending on applicable state law, some advertising-related disclosures may be considered “sharing” or “targeted advertising,” even when no money is exchanged.

We do not knowingly provide information about your medications, healthcare providers, medical conditions, Medicare identifier, or insurance application to advertising platforms for targeted advertising.

CMS Medicare protection

Personal beneficiary information collected for Medicare marketing or enrollment will not be provided to a separate Third-Party Marketing Organization for that organization’s own marketing or enrollment activities unless you have provided any consent required by CMS and applicable law.

Legal and safety purposes

We may disclose information when we reasonably believe disclosure is necessary or appropriate to:

• Comply with a law, regulation, subpoena, court order, government inquiry, or legal process;
• Respond to CMS, an insurance regulator, an insurance carrier, or another authorized oversight body;
• Investigate or prevent fraud, misuse, security threats, or unlawful conduct;
• Protect the rights, safety, and property of our clients, our business, or others; or
• Establish, exercise, or defend legal claims.

Business transactions

Information may be transferred as part of a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable law.

With your direction or consent

We may disclose information to another person or organization when you direct us to do so, request the disclosure, or provide consent.

6. Sale of Personal Information

We do not sell personal information for money.

Some state privacy laws define “sale,” “sharing,” or “targeted advertising” broadly and may apply those terms to certain advertising or analytics technologies. Where required, you may request to opt out as described in the “Your Privacy Rights” section.

7. Cookies and Tracking Choices

Most browsers allow you to block, limit, or delete cookies through browser settings. Blocking cookies may affect certain website features.

Where available, our website may also provide a cookie or privacy-preferences control that allows you to manage nonessential technologies.

We will process legally recognized browser-based opt-out preference signals, such as Global Privacy Control, when required by applicable law and when our systems can reasonably associate the signal with your browser or device.

At this time, there is no universally accepted standard requiring websites to respond to ordinary “Do Not Track” browser settings. We therefore do not represent that the Site responds to every Do Not Track signal.

Opting out on one browser or device may not automatically apply to another browser or device.

8. Sensitive Personal Information

Some information you provide may be considered sensitive under state privacy laws, including information concerning health, prescriptions, insurance coverage, government identifiers, or precise account credentials.

We use sensitive information only as reasonably necessary to:

• Provide insurance services you request;
• Compare available plans;
• Complete an application or enrollment;
• Service an existing policy;
• Prevent fraud or protect security; or
• Meet legal, carrier, and regulatory obligations.

We do not use sensitive personal information to infer characteristics about you for unrelated advertising.

Medicare po Polsku is an insurance agency and does not represent that all information it handles is governed by the Health Insurance Portability and Accountability Act (“HIPAA”). When HIPAA or another health-information privacy law applies to particular information or activities, we handle the information in accordance with the applicable requirements.

9. Data Retention

We retain personal information for only as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services and meet legal, regulatory, carrier, contractual, accounting, and compliance requirements.

Retention periods depend on the type of information and the reason it was collected. For example:

• Certain Medicare-related recordings, consent records, and marketing or enrollment records may be retained for ten years or another period required by CMS;
• Application, enrollment, policy, and servicing records may be retained while a policy remains active and for the period required afterward by law, regulators, carriers, or contractual obligations;
• Records relating to inquiries that do not result in an application may be retained for a reasonable period to respond to the inquiry, document consent, resolve disputes, and meet legal obligations;
• Technical, security, and website records may be retained for fraud prevention, troubleshooting, analytics, and security purposes; and
• Information may be retained longer when reasonably necessary for litigation, an investigation, an audit, a legal hold, or enforcement of an agreement.

When information is no longer reasonably needed, we may delete, de-identify, or securely dispose of it.

10. Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. Depending on the circumstances, these safeguards may include access restrictions, encryption during transmission, authentication controls, logging, staff training, vendor oversight, backups, and incident-response procedures.

No website, transmission method, or storage system can be guaranteed to be completely secure. You should use care when sending sensitive information electronically and should contact us before transmitting highly sensitive information through an ordinary email or website form.

If a security incident affects personal information, we will investigate and provide notices when required by applicable law.

11. Your Privacy Rights

Depending on where you live and subject to applicable exceptions, you may have the right to:

• Confirm whether we process your personal information;
• Request access to personal information we maintain about you;
• Request correction of inaccurate information;
• Request deletion of certain information;
• Request a portable copy of certain information;
• Opt out of certain sales, sharing, or targeted advertising;
• Limit certain uses or disclosures of sensitive personal information;
• Withdraw consent where processing is based on consent;
• Appeal a decision concerning a privacy request; and
• Receive equal service and pricing without unlawful discrimination for exercising a privacy right.

These rights are not absolute. We may deny or limit a request when an exception applies, including when information must be retained to comply with CMS requirements, insurance laws, carrier requirements, legal obligations, fraud-prevention needs, or an existing insurance relationship.

To submit a privacy request, contact us using the information below. Please describe your request and identify the state in which you reside.

We may need to verify your identity before completing the request. We will use information provided during verification only to confirm identity and process the request.

An authorized agent may submit a request on your behalf when permitted by law. We may require proof of the agent’s authority and may ask you to verify your identity directly.

We will respond within the period required by applicable law.

12. Children’s Privacy

Our website and insurance services are intended for adults and are not directed to children under 13.

We do not knowingly collect personal information online from children under 13. If you believe a child under 13 has provided personal information through our website, contact us so that we can review and, when appropriate, delete it.

13. Third-Party Websites

Our website may link to Medicare.gov, insurance-carrier websites, social-media platforms, scheduling services, and other third-party websites or services.

We do not control the privacy or security practices of third parties. Information you provide directly to another website or platform is governed by that party’s policies.

14. Social Media

When you communicate with us through Facebook, Instagram, YouTube, LinkedIn, Yelp, or another social-media platform, both Medicare po Polsku and the platform may receive information about the interaction.

Do not post Medicare identifiers, Social Security numbers, detailed medical information, or other sensitive information in a public comment or post.

15. United States Operations

Medicare po Polsku is based in the United States, and our services are intended for people located in the United States.

Information may be stored and processed in the United States. If you access the website from another country, you understand that its privacy laws may differ from those in your location.

16. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our services, legal requirements, technology, or business practices.

When we update the policy, we will revise the “Last Updated” date. When required by law, we will provide additional notice or request consent before applying a material change to information previously collected.

17. Contact Us

For questions about this Privacy Policy, to exercise a privacy right, or to change your communication preferences, contact:

Medicare po Polsku
6020 W. Higgins Ave, Suite H
Chicago, IL 60630

Email: info@medicarepopolsku.com
Telephone: 844-654-5185

You may also contact us to:

• Request access, correction, or deletion;
• Opt out of marketing communications;
• Request placement on our internal Do-Not-Call list;
• Ask about our cookie and advertising practices; or
• Submit a privacy-related complaint.