Privacy Policy

Capstone Insurance Consultants, LLC d/b/a Capstone Health  |  Effective Date: January 1, 2026  |  Last Updated: May 10, 2026

Capstone Insurance Consultants, LLC, doing business as Capstone Health (“Capstone Health,” “we,” “us,” or “our”), is a licensed, independent Medicare insurance agency located at 7206 Massachusetts Ave, New Port Richey, FL 34653. We are committed to protecting the privacy and personal information of everyone who interacts with us — whether online, by phone, by text, or in person.

This Privacy Policy describes how we collect, use, share, and protect your personal information, and explains your rights and choices. It applies to our website at www.capstoneinsurance.health, our GoHighLevel-powered forms and landing pages, our SMS and email communications, and any other interaction you have with Capstone Health.

Please read this policy carefully. By using our website or submitting your information to us in any form, you agree to the practices described below.

1. Information We Collect

We collect personal information that you provide to us directly and information collected automatically when you visit our website.

Information You Provide

• Full name
• Email address
• Phone number (including mobile phone number)
• Mailing address and zip code
• Date of birth (when required to assess Medicare eligibility)
• Medicare start month or coverage status
• Current insurance coverage or employer coverage status
• Prescription drug information (when voluntarily shared for plan comparison purposes)
• Preferred physician or provider information (when voluntarily shared)
• Any other information you voluntarily provide through forms, emails, phone calls, or text messages

Information Collected Automatically

When you visit our website, we and our third-party service providers may automatically collect:

• IP address and general geographic location
• Browser type, version, and device type
• Pages visited, time spent on pages, and links clicked
• Referring website or URL
• Cookies and similar tracking technologies (see Section 7 below)

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide Medicare insurance guidance and plan comparisons
• To schedule and confirm consultations and appointments
• To send educational materials, guides, videos, and webinar invitations related to Medicare
• To send appointment reminders, follow-up communications, and enrollment-period notifications
• To send SMS text messages (see Section 4 for full SMS disclosure)
• To send email communications including newsletters and nurture sequences
• To comply with CMS marketing guidelines, TCPA requirements, and other applicable federal and state regulations
• To improve our website, marketing communications, and service quality
• To run advertising campaigns on platforms such as Meta (Facebook/Instagram), Google, and TikTok

3. Consent to Contact — Phone and Email

By submitting your information through any form on our website, a Facebook or Instagram lead form, a landing page, or any other Capstone Health intake form, you expressly consent to being contacted by a licensed Capstone Health insurance agent regarding Medicare insurance options. This consent covers contact by telephone (including mobile phone), email, and SMS text message.

Consistent with the Telephone Consumer Protection Act (TCPA) and CMS marketing guidelines effective January 27, 2025, your consent is specific to Capstone Health only. We do not transfer your consent to third-party sellers or lead generation companies. You are not required to provide consent as a condition of purchasing any insurance product or receiving any service.

You may revoke your consent to be contacted at any time by:

• Contacting us at info@capstoneinsurance.health
• Calling us at (727) 339-0456
• Replying STOP to any SMS message (see Section 4)
• Unsubscribing from any email using the unsubscribe link included in every email

4. SMS Text Message Communications

Capstone Health operates SMS messaging through GoHighLevel, Twilio and RingCentral for the purpose of appointment reminders, follow-up communications, educational content delivery, and Medicare enrollment guidance. All SMS messaging is conducted in compliance with A2P 10DLC carrier registration requirements and the Telephone Consumer Protection Act (TCPA). Mobile information and SMS opt-in consent will not be shared with third parties or affiliates for marketing or promotional purposes. Service providers may receive this information only as necessary to operate Capstone Health’s messaging program. Consent to receive SMS messages is optional and is collected only when an individual checks the SMS consent checkbox or completes another documented opt-in. Submitting a website form without checking the SMS consent box does not enroll the individual in recurring text messages.

What Messages We Send

By opting in to receive SMS communications from Capstone Health, you may receive the following types of messages:

• Appointment confirmations and reminders
• Follow-up messages after form submissions or consultations
• Educational content about Medicare options, enrollment periods, and plan types
• Notifications about upcoming webinars or local events
• Enrollment deadline reminders during Annual Enrollment Period (AEP) and other enrollment windows
• Responses to inbound text message inquiries

How You Opt In

You opt in to receive SMS messages from Capstone Health by submitting your mobile phone number through one of our website forms, landing pages, or lead forms and checking the applicable SMS consent checkbox. You may also opt in by texting us directly, which constitutes your consent to receive a response via SMS.

Message Frequency

Message frequency varies based on your stage in the Medicare planning process and your interaction with our content. You may receive up to several messages per month depending on your enrollment timeline and engagement with our communications.

Message and Data Rates

Message and data rates may apply. Standard carrier messaging rates apply to all SMS messages sent and received. Capstone Health does not charge any additional fees for SMS communications.

How to Opt Out

You may opt out of SMS communications at any time by replying STOP to any text message from us. Upon receipt of your STOP request, we will send you a final confirmation message and remove you from all active SMS sequences immediately. You will not receive further SMS messages unless you opt back in.

Help

If you need assistance with our SMS program, reply HELP to any message or contact us at info@capstoneinsurance.health or (727) 339-0456.

SMS Data Sharing

Your mobile phone number and SMS opt-in consent data are not shared with third parties for their independent marketing or SMS purposes. Mobile opt-in data is not sold, rented, or transferred to any external party for marketing use.

5. Email Communications

By providing your email address and submitting a form on our website or through a lead form, you consent to receiving email communications from Capstone Health. These may include educational emails, Medicare guides, webinar invitations, appointment confirmations, enrollment reminders, and other Medicare-related content.

Every marketing email we send includes an unsubscribe link. You may opt out of email communications at any time by clicking the unsubscribe link at the bottom of any email or by contacting us directly. Transactional emails (such as appointment confirmations) may continue regardless of marketing email opt-out status.

Our email communications are managed through GoHighLevel. We comply with the CAN-SPAM Act in all email communications, including clear sender identification, honest subject lines, and a working opt-out mechanism honored within 10 business days.

6. Sharing of Your Information

We do not sell or rent your personal information. We may share your information only in the following limited circumstances:

• Within Capstone Health: Your information is shared among licensed agents affiliated with Capstone Health for the purpose of providing you with Medicare guidance and plan enrollment assistance.
• Insurance carriers: If you choose to enroll in a plan, your information will be shared with the relevant insurance carrier as required to complete your enrollment. This sharing is for enrollment purposes only and is governed by the carrier’s own privacy practices.
• Service providers: We use third-party platforms and tools to operate our business, including GoHighLevel (CRM and automation), RingCentral (phone and SMS), Google Analytics (website analytics), Meta Business Suite (advertising), TikTok for Business (advertising), Zapier (workflow automation), and Spark (Medicare plan comparison and enrollment). These providers are authorized to use your information only as necessary to provide services to us and are prohibited from using it for their own independent marketing purposes.
• Legal compliance: We may disclose your information to comply with applicable law, regulation, court order, or government request, or to protect the rights, property, or safety of Capstone Health, our clients, or others.
• Business transfers: In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction. We will notify you of any such change via a prominent notice on our website or direct communication.

We do not transfer your personal information to other Third-Party Marketing Organizations (TPMOs) without your prior express written consent, consistent with CMS guidelines effective October 1, 2024.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your experience, analyze website traffic, and support our advertising campaigns.

Types of Tracking We Use

• Essential cookies: Required for the website to function properly. These cannot be disabled.
• Analytics cookies: We use Google Analytics (including Google Tag Manager) to understand how visitors interact with our website. This data is aggregated and anonymized.
• Advertising pixels: We use the Meta Pixel (Facebook and Instagram), Google Ads conversion tracking, and the TikTok Pixel to measure the effectiveness of our advertising campaigns and to show relevant ads to people who have visited our website. These technologies may collect your IP address, browser type, and pages visited.

Your Cookie Choices

You may control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of some features on our website. You may also opt out of interest-based advertising through:

• Meta Ad Preferences: facebook.com/ads/preferences
• Google Ad Settings: adssettings.google.com
• TikTok Ad Settings: Available within the TikTok app under Privacy settings
• Network Advertising Initiative opt-out: optout.networkadvertising.org

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our CRM platform (GoHighLevel) and other third-party service providers maintain their own security practices and are contractually required to protect the data we share with them.

No method of transmission over the internet or electronic storage is 100% secure. While we take the protection of your data seriously, we cannot guarantee absolute security.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to maintain our business records, and to comply with applicable legal and regulatory obligations. Insurance-related records may be retained for a minimum of seven (7) years in accordance with Florida state insurance regulations. You may request deletion of your information at any time subject to legal retention requirements (see Section 10).

10. Your Rights and Choices

You have the following rights with respect to your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete information.
• Deletion: You may request deletion of your personal information, subject to legal retention obligations.
• Opt out of communications: You may opt out of SMS, email, or phone contact at any time as described in Sections 3, 4, and 5.
• Opt out of advertising tracking: You may opt out of advertising pixels and interest-based advertising as described in Section 7.

To exercise any of these rights, contact us using the information in Section 13. We will respond to all requests within 30 days.

11. Children’s Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If we become aware that we have inadvertently collected personal information from a minor, we will delete it promptly.

12. Third-Party Websites and Links

Our website may contain links to third-party websites, including Medicare.gov, insurance carrier websites, and other resources. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit. We are not responsible for the privacy practices or content of external websites.

13. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or want to report a privacy concern, please contact us:

14. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make changes, we will update the “Last Updated” date at the top of this page. For material changes, we will provide additional notice such as a prominent notice on our website. Your continued use of our website or services after any update constitutes your acceptance of the revised policy.

We encourage you to review this policy periodically to stay informed about how we protect your information.

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© 2026 Capstone Insurance Consultants, LLC d/b/a Capstone Health. All rights reserved.
Licensed Medicare Insurance Agency  |  New Port Richey, FL  |  Serving Pasco, Pinellas, Hernando & Hillsborough Counties and statewide Florida.