Effective Date: July 31, 2025

SilverPoint Insurance Services, a DBA of EverLife Advisors, LLC (“SilverPoint,” “we,” “our,” or “us”), respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website at https://www.silverpointinsurance.com (the “Site”), communicate with us, or use our services related to Medicare Advantage, Medigap, and other health and life insurance products.

1. Information We Collect

a. Personal Information You Provide

We collect information you voluntarily provide to us, including:

• Full name

• Date of birth

• Email address

• Phone number

• Home address

• Social Security number (if required for application)

• Health information (for insurance quotes or eligibility)

• Income and financial data (for certain plan eligibility)

b. Automatically Collected Information

When you visit the Site, we may automatically collect:

• IP address

• Browser type and version

• Device type and operating system

• Pages visited, time on page, and referral URL

• Clickstream data

• Cookies and tracking technologies

  
  

2. How We Use Your Information

We use your information to:

• Provide insurance quotes and related services

• Determine eligibility for Medicare Advantage, Medigap, and supplemental plans

• Connect you with licensed agents or insurance carriers

• Customize your online and service experience

• Communicate with you via email, phone, or SMS (with your consent)

• Comply with CMS, HIPAA, and state insurance regulations

• Prevent fraud and ensure data security

• Improve our services through analytics

  
  

3. How We Share Your Information

We may share information with:

a. Insurance Carriers and Licensed Agents
To help you compare, select, or enroll in a plan that fits your needs.

b. Third-Party Service Providers
For CRM systems, data hosting, analytics, and marketing operations support.

c. Government or Regulatory Agencies
Including CMS (Centers for Medicare & Medicaid Services) or state departments of insurance, as required.

d. Legal or Compliance Purposes
To comply with lawful requests, subpoenas, or court orders.

e. Business Transfers
In the event of a merger, acquisition, or sale of assets.

4. HIPAA Notice (If Applicable)

If you share health-related information for insurance purposes, that information may be protected under HIPAA.

We:

• Maintain administrative, technical, and physical safeguards for PHI.

• Do not disclose PHI without your written authorization unless required by law.

• Provide rights to access, amend, or restrict your PHI by contacting our compliance team.

Not all personal information is considered PHI; only data connected to healthcare enrollment or coverage is treated as such.

5. CCPA Rights (for California Residents)

California residents have the right to:

• Know what data we collect and how it’s used

• Request access to or deletion of personal data

• Opt-out of the sale or sharing of personal data (we do not sell data)

• Be free from discrimination when exercising privacy rights

To exercise these rights, email compliance@silverpointinsurance.com.

6. CMS Compliance Notice (for Medicare Marketing)

As a provider of Medicare-related services, we follow all CMS marketing and communication guidelines, including:

• Avoiding misleading or coercive statements

• Contacting consumers only with prior consent (Scope of Appointment)

• Disclosing plan options from all contracted carriers

• Presenting information in a fair and unbiased manner

• Maintaining required call recordings and documentation for 10 years

  
  

7. Your Choices & Rights

You may:

• Opt out of marketing emails at any time

• Manage cookies via browser settings

• Request access to, correction of, or deletion of your data

• Withdraw consent where applicable

  
  

8. Data Security

We employ industry-standard safeguards such as:

• SSL encryption

• Firewalls and secure servers

• Role-based access control

• Routine monitoring and data backups

No system is completely secure. Please contact us immediately if you suspect unauthorized access.

9. Data Retention

We retain your data as long as necessary to fulfill the purposes outlined here or as required by CMS and state insurance regulations.

10. Children’s Privacy

Our services are not intended for individuals under the age of 13, and we do not knowingly collect data from children.

11. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Please review their privacy policies separately.

12. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a new Effective Date.

13. Contact Us

If you have questions or would like to exercise your rights, please contact:

SilverPoint Insurance Services
A DBA of EverLife Advisors, LLC
3049 W. Executive Parkway, Suite 300
Lehi, UT 84048
Phone: 385-518-1919
Email: compliance@silverpointinsurance.com