Privacy Policy — Knight Health & Wealth

Effective date: October 4, 2025

We care about your privacy. This Privacy Policy explains how Knight Health & Wealth (“we,” “us,” “our”)—operated by Jan Knight—collects, uses, discloses, and protects information when you visit our website, contact us, or use our services related to Medicare, insurance, and financial guidance.

1) Information We Collect

• Contact data: name, email, phone, mailing address.
• Financial profile (for advisory/insurance quoting): age, household info, income ranges, assets/retirement goals, risk tolerance, plan preferences. (Some items may be “nonpublic personal information” under GLBA.)
• Health-related info for Medicare plan comparisons: preferred providers/pharmacies, prescription lists, and similar plan-fit details you choose to share. We are not a medical provider and do not maintain medical records.
• Website & device data: pages viewed, referring URLs, approximate location, IP address, browser/device data, cookies, and similar technologies (for basic analytics and site functionality).
• Communications: emails, call notes/voicemails, meeting notes, and submitted forms. If you opt-in to SMS, we collect your mobile number and message content.

2) How We Use Information

• Provide quotes, consultations, and plan comparisons for Medicare and insurance products.
• Deliver financial education and advisory guidance you request.
• Respond to inquiries; schedule and manage appointments.
• Maintain internal records, compliance, and fraud prevention.
• Improve our website and services (analytics, troubleshooting).
• Send service-related messages; with your consent, send newsletters or marketing communications (you may opt out anytime).

3) Our Role With Health & Financial Information

Health information: We may handle limited health-related details (e.g., prescriptions, preferred doctors/pharmacies) solely to help you compare Medicare options. We are not a healthcare provider. If a carrier requires additional information for enrollment, we will collect and transmit it as you direct.

Financial information: Some of the personal information you share for financial guidance may be considered “nonpublic personal information” (NPI) under the Gramm–Leach–Bliley Act (GLBA). We share NPI only as permitted by law, for example, with insurers, custodians, or service providers needed to deliver requested services, and as required for compliance.

4) Legal Bases / Why We May Process

• Consent: when you submit forms, request quotes, or opt-in to communications.
• Contract: to provide services you request.
• Legal obligations: recordkeeping, regulatory, and audit requirements.
• Legitimate interests: site security, service improvement, preventing fraud/abuse.

5) When We Share Information

• Carriers & product providers: to obtain quotes, process applications, or service your policies (only what’s necessary).
• Vendors/Service providers: secure hosting, email/SMS tools, CRM, analytics, and similar operations under contracts that limit their use of your data.
• Legal/compliance: to protect rights, comply with laws, respond to valid requests, or in connection with a business transaction.
• No sale of personal information: We do not sell your personal information.

6) Cookies & Analytics

We use necessary cookies for site functionality and may use analytics to understand site usage. You can adjust browser settings to limit cookies; some features may not function without them.

7) Marketing, Calls & SMS

• Email marketing: You may unsubscribe at any time using the link in our emails or by contacting us.
• Phone calls/recordings: If calls are recorded (for quality/compliance), we will notify you where required. You can ask us not to record.
• SMS: By opting in, you consent to receive texts; message/data rates may apply; reply STOP to opt out.

8) Data Security

We use reasonable administrative, technical, and physical safeguards to protect personal information. No method is 100% secure; please use caution when transmitting sensitive information online.

9) Data Retention

We retain information as needed to provide services, meet legal/regulatory obligations, resolve disputes, and enforce agreements. When no longer required, we take reasonable steps to securely delete or de-identify data.

10) Your Privacy Choices & Rights

You may request to access, correct, or delete personal information we maintain about you, or to limit certain uses. To make a request, contact us using the details below. We will verify your identity before acting on requests.

California & U.S. State Privacy Rights

If you are a resident of certain U.S. states (e.g., CA, CO, CT, VA), you may have additional rights such as access, deletion, correction, portability, or limiting certain uses of sensitive data. We honor applicable state rights. We do not use sensitive data for purposes that require opt-in under those laws. We do not sell personal information or share it for cross-context behavioral advertising.

11) Children’s Privacy

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

12) Third-Party Links

Our website may link to third-party sites. Their privacy practices are governed by their own policies; please review them separately.

13) International Visitors

We primarily serve U.S. residents. If you are visiting from outside the U.S., your information will be processed in the United States where privacy laws may differ.

14) Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective date” above reflects the latest version.

Contact Us

This template is provided for general informational purposes and does not constitute legal advice. Please consult your legal counsel to adapt this policy to your specific operations, products, and jurisdictions.