Privacy Policy

Effective Date: October 3, 2025

Medcalf Advisors (“Medcalf Advisors,” “we,” “us,” or “our”) operates the https://www.indyhealthagent.com/ website and related services (the “Service”). This Privacy Policy explains what we collect, how we use information, your choices, and your rights. This policy applies to interactions with Larry Medcalf, a licensed HealthMarkets® agent affiliated with Medcalf Advisors.

Contact Information

If you have any questions or concerns about this privacy policy or your data, please contact us at lmedcalf@healthmarkets.com or call +1 (317) 514-8696.

• Email: lmedcalf@healthmarkets.com
• Phone (voice): +1 (317) 514-8696
• SMS Program Number: +1 (317) 482-7063
• Mailing Address: Medcalf Advisors, [Insert Mailing Address]

Information We Collect

• Contact details: name, email address, phone number, mailing address.
• Application & inquiry data: demographics you provide, household info, insurance preferences, and documents you share for quoting or enrollment assistance.
• Communications: messages you send us (email, SMS, web forms), call notes, appointment details, and support requests.
• Technical data: device/browser data, IP address, pages viewed, and interactions with our website (via cookies or similar technologies).

How We Use Your Data

• Provide quotes, recommendations, and enrollment support for health, life, and related insurance products.
• Send service-related messages (appointment reminders, enrollment updates, renewal notices, and answers to your questions).
• Operate, secure, analyze, and improve our website and communications.

No Sharing or Data Transfer

We do not share, sell, or transfer consumer data to any third parties under any circumstances. Consumer data will never be provided to external organizations for marketing, compliance, service delivery, or any other reason.

Safeguards Against Unauthorized Sharing

We maintain strict safeguards to prevent unauthorized data access or sharing, including:

• Access controls limiting who may view or handle customer information.
• Staff training on privacy, security, and compliance.
• Regular audits to confirm that data protection measures are effective.

Data Retention

We retain personal data only as long as necessary to fulfill the purposes described above and comply with legal and regulatory requirements. Certain compliance records (e.g., voice-only recordings of enrollment-related sessions) may be stored for up to 10 years.

Mobile Terms (SMS/MMS) & Disclosures

Program: “Larry Medcalf — HealthMarkets Agent” (Medcalf Advisors). We send standard notifications about your purchases or relationship with our business, enrollment support, appointment reminders, renewal notices, and replies to your questions.

• Optional Consent: Opting in to SMS is optional and not a condition of purchase or enrollment.
• Frequency: Recurring messages; frequency varies by interaction.
• Rates: Message & data rates may apply.
• Commands: Text STOP to end; HELP for help.
• Support: Call +1 (317) 514-8696 or email lmedcalf@healthmarkets.com. SMS sending number: +1 (317) 482-7063.
• Carriers: Carriers are not liable for delayed or undelivered messages.

SMS Privacy (Required Disclosure): Your mobile opt-in data (including your phone number, consent status, and messaging preferences) will never be shared, sold, or transferred to third parties under any circumstances. It is used solely to provide texts related to your relationship with Medcalf Advisors / Larry Medcalf (HealthMarkets agent) and to operate our messaging program.

Children’s Privacy

Our Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective Date” above reflects the latest version. Material changes will be posted on this page.

Summary of SMS Privacy Commitments

For clarity and emphasis, the following commitments are restated:

• No Data Transfer: We do not transfer consumer data to any external organizations under any circumstances.
• No Sharing: We do not share, sell, or disclose your mobile opt-in data to any third parties.
• Safeguards: We use access controls, staff training, and regular audits to prevent unauthorized sharing of your data.
• Contact: If you have any questions or concerns about this privacy policy or your data, please contact us at lmedcalf@healthmarkets.com or call +1 (317) 514-8696.

HealthMarkets® is a registered trademark of HealthMarkets Insurance Agency, Inc. Medcalf Advisors is independently operated; references to HealthMarkets are for agent affiliation only.