Privacy Policy

Please read this Privacy Policy carefully and in its entirety before using medicareshopstl.com (hereinafter referred to as the “site”). 

This Privacy Policy describes the personal information collected, what it’s used for, and the measures taken to protect it.

The Site and its content are owned by Riverfront Senior Health Insurance LLC (hereinafter referred to as Riverfront Senior Health Insurance”). We are committed to protecting your Personal Information and will only collect or use your Personal Information in accordance with the Privacy Policy herein. By using the website and/or viewing, downloading, or otherwise signing up to receive Riverfront Senior Health Insurance services, email list, social media posts, you voluntarily agree to be bound by this Privacy Policy. 

If you have any questions about this Privacy Policy, please contact us at matt@medicareshopstl.com. If you do not agree with the terms of this Privacy Policy, you shall not use or browse the Site. 

“Company”, “We”, “I”, “Our”, or “Us” means Riverfront Senior Health Insurance LLC (herein after referred to as "Riverfront Senior Health"), Matthew Croner, and medicareshopstl.com.

“Content” means any and all written, visual, video, or audio information contained on the Site, including, but not limited to, any and all emails received from Matthew Croner, Riverfront Senior Health Insurance or medicareshopstl.com and any and all written or downloadable material purchased, viewed, or otherwise offered on medicareshopstl.com such as graphics, designs, documents, information, templates and materials.

“Personal Information” means information that can be used on its own or in conjunction with other information to identify, contact, or locate a person, or to identify an individual in context. For example, personal information includes, among other things, your name, address, email address, telephone number, credit card information, site behavior, etc.

“Site, Services” means medicareshopstl.com Content, design services, email list, social media posts, forms, and/or website materials available on the Site.“Site” means medicareshopstl.com and any and all of the Company’s associated pages, tabs, landing pages, forms, or sub-pages.

“You” or “Your” means the user, customer, or viewer of the Site.

PERSONAL INFORMATION WE MAY COLLECT:

Personal Information you provide: When using the Site, and in filling out forms, providing comments, or contacting us, you may be asked to enter your name, phone number, and email address. We use this information to communicate appointment times, answer questions, deliver information requested, to improve the performance and applicability of the Site, and to provide you with educational content, newsletters, promotions, and special offers.

Personal Information automatically collected: Through use of the Site, the Company may use data collection technology, such as Google Analytics (hereinafter referred to as the “Data Collection Companies”) to collect information related to your use of the Site. Generally speaking, this includes information about your geographic location and Site behavior. The Data Collection Companies also provide us with information about what type of device or software you use, your IP address (with location information), and whether you view the Site on mobile, tablet, or desktop. This information is collected for statistical purposes only and to improve the viewer experience.

HOW TO UPDATE YOUR PERSONAL INFORMATION:

If the Personal Information collected about you is incorrect or incomplete in any way, or you would like to update what we have, please contact us at matthew.croner@yahoo.com. We will make the appropriate corrections when notified, as long as the corrections requested to be made are not incorrect or fraudulent in any way.

WHEN WE COLLECT PERSONAL INFORMATION:
Personal Information is collected from you when you sign up on and for the Site and Services, fill out a form, browse the Site, view Content, and/or enter any Personal Information on the Site. If you're just viewing the Site, you won't be required to provide personal information to browse.

HOW WE USE YOUR PERSONAL INFORMATION
When using the Site, Services, and/or Products, Personal Information collected from you when you send a message, browse the Site, or use certain other Site features in the following ways:

• To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
• To improve our Site in order to better serve you.
• To allow us to better serve you in response to your customer service requests.
• To administer a contest, promotion, survey, or other Site feature..
• To send periodic emails regarding the Site, Services, and/or Products.
• To tailor social media (i.e., Facebook, Instagram, etc.) advertisements to you.

WHEN & HOW WE SHARE PERSONAL INFORMATION WITH THIRD PARTIES:
In general, we do not sell, trade, or otherwise transfer to outside (third) parties your Personal Information unless we provide users with advance notice or need to do so in order to comply with the law or an investigation. 

We may disclose your Personal Information to our subsidiaries, contractors, subcontractors, assigns, affiliates or successors in interest when necessary to carry out our business functions. This may include website hosting partners and other parties who assist us in operating our website, email service, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release Personal Information when its release is appropriate or necessary to comply with the law, enforce our Site policies, this Privacy Policy, our Terms & Conditions, or to protect our rights or others' rights, property, or safety. 

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. If you make your personal information available to third parties through our Site and/or Services, Riverfront Senior Health Insurance is not responsible for any unauthorized use by that third party. It's also important to note that we do allow third-party behavioral tracking.

HOW WE PROTECT YOUR PERSONAL INFORMATION:

We aim to make your visit to our Site as safe as possible. The Site uses commercially acceptable methods of security protection to protect your information.

Your Personal Information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the Personal Information confidential. By viewing and using the Site and Services, you acknowledge that Riverfront Health and its staff may access your Personal Information.

HOW WE USE 'COOKIES' & SOCIAL MEDIA PIXELS:

Cookies. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site or service provider's systems to recognize your browser and capture and remember certain information. They are also used to help us understand your preferences based on previous or current Site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about Site traffic and Site interaction so that we can offer better site experiences and tools in the future. 

We use cookies to:

• Compile aggregate data about site traffic and site interactions in order to offer better Site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies. While you may disable the use of cookies through your browser’s settings or options page, you may lose some of the features and functionality of the Site, Services, and/or Products, as cookies are necessary to help track and enhance your experience on the Site.

Pixels. The Company uses social media pixels (Facebook pixels) to track visitors to the Site so we can tailor advertisements towards those visitors on various social media platforms, including Facebook and Instagram. The Company reserves the right to use pixels in accordance with the terms of the social media platform.

THIRD-PARTY LINKS

Occasionally, at our discretion, we may include or offer third-party products, services, or links to articles/blogs/sites on our Site. These third-party sites may or may not have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites and/or their privacy policy (or lack thereof). Nonetheless, we seek to protect the integrity of our Site and welcome any feedback about any issues you experience with linked-to sites by emailing us at matt@medicareshopstl.com. 

GOOGLE

Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for you. We are not currently using Google Ads on the Site, although this may change in the future. We have implemented the following through Google Analytics: Demographics and Interests Reporting. We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website. To opt-out of Google Ads: You can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt-out by visiting the Network Advertising Initiative Opt-Out page or by using the Google Analytics Opt-Out Browser add-on.

CALIFORNIA ONLINE PRIVACY PROTECTION ACT (“CALOPPA”):

CalOPPA stretches well beyond California to require any person or company that operates websites collecting Personal Information from California viewers/consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. Read more about CalOPPA here.

Pursuant to CalOPPA, we agree to the following:

• Users can visit the site anonymously. 
• There is a link to this Privacy Policy on the Site footer.
• Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above. It is titled "Privacy Policy" very clearly.

You will be notified of any Privacy Policy changes on our Privacy Policy Page (see “Updated On” date).

CHILDREN’S ONLINE PRIVACY PROTECTION ACT (“COPPA”):

We do not specifically market to children under the age of 13. Please STOP and do not use, view, or browse the Site or Services if you are under 13 years old. If you’re younger than 13, you are not permitted to enter any Personal Information on this Site. If you are a parent and you believe your child under the age of 13 has provided us with Personal Information, please contact us immediately to have it removed by emailing us at matt@medicareshopstl.com. 

FAIR INFORMATION PRACTICES

In order to comply with Fair Information Practices we will take responsive action should a data breach occur, and will notify you via email within 3 business days of any known breach. 

CAN-SPAM ACT OF 2003

The CAN-SPAM Act is a U.S. law which establishes rules for commercial email messages, gives you the right to stop certain commercial emails from being sent to you, and outlines certain penalties for commercial entities or persons who violate the law.

We collect your email address and name so we can:

• Send information, respond to inquiries, and/or other requests or questions.
• Market to our mailing list or continue to send emails to you after the original inquiry has occurred.
• Email you a newsletter with free information and advertising certain Services and/or Products we offer.

In accordance with the CAN-SPAM Act, we agree to the following:

• We will not use false or misleading subjects or email addresses.
• We will identify the email message as an advertisement in some reasonable way.
• We will include our business mailing address and/or physical address in our emails.
• We will monitor third-party email marketing services for compliance. 
• We will honor opt-out/unsubscribe requests quickly.
• We will allow users to unsubscribe.

TO UNSUBSCRIBE

If at any time you would like to unsubscribe from receiving future emails, you can email us at matt@medicareshopstl.com and we will promptly remove you from future correspondence(s). 

YOUR GENERAL DATA PROTECTION REGULATION ("GDPR") RIGHTS

If you are located within the European Union ("EU"), you are entitled to certain rights under the GDPR. You have the right to:

• Know how long we'll keep your information. We'll keep your personal information until the earlier of: (1) you either ask us to delete your information or (2) the Company decides it no longer needs the data and the cost of retaining it outweighs the value to keeping it.
• Access, rectify or erase your personal information.
• Withdraw your consent to the Company's processing of your data, which shall have no effect on the lawfulness of the processing of your personal information prior to your withdrawal.
• Lodge a complaint with a supervisory authority that has jurisdiction over GDPR issues.
• Provide only your personal information which is reasonably required to enter into a contract with us. The Company will not ask for your consent to provide unnecessary personal information on the condition of entering into a contractual relationship with the Company. 

OUR CONTACT INFORMATION

If there are any questions regarding this Privacy Policy, you may contact us using the following information:

Riverfront Senior Health Insurance, LLC

Matthew Croner: Owner, agent

Website: medicareshopstl.com

Email: matt@medicareshopstl.com

Mailing Address:

2248 St. Andrew Dr.

Saint Charles, MO 63301

United States