Privacy Policy

Harbor Crest Advisors values your privacy. This Privacy Policy outlines how we collect, use, and protect your personal information when you visit our website and use our services.

Information We Collect

We may collect the following types of information:

Personal Information: Name, address, phone number, email address, date of birth, and other identifiers.
Health Information: Medicare beneficiary details, plan preferences, and other health-related data (collected only with your consent).
Usage Data: IP address, browser type, device information, and browsing behavior on our website.
Form Submissions: Information you provide when filling out contact forms, requesting a quote, or registering for events or consultations.
SMS Information: Your mobile phone number, SMS opt-in status, messaging preferences, and information you provide in connection with text messaging services.

How We Use Your Information

We may use your information to:

Help you understand and enroll in Medicare plans
Respond to inquiries and provide customer support
Send communications, including informational or promotional communications, when you have provided the applicable consent
Improve our website and user experience
Comply with legal and regulatory requirements

SMS/Text Messaging

Harbor Crest Advisors may send text messages to individuals who have expressly opted in to receive SMS communications. Depending on the consent you provide, messages may include consultation-related communications, appointment confirmations, appointment reminders, scheduling changes, responses to inquiries, educational information, service updates, and promotional communications.

Message frequency may vary. Message and data rates may apply. You may opt out of text messages at any time by replying STOP. For assistance, reply HELP.

Consent to receive text messages is not required to submit a consultation request or receive services from Harbor Crest Advisors.

Sharing of Information

We do not sell your personal information. We may share your data with:

Licensed insurance agents or partners assisting with your Medicare needs
Third-party service providers who help us operate the website or manage communications
Government entities or insurance carriers as required for plan enrollment
Regulatory or legal authorities when required by law

All third parties are required to safeguard your information and use it only for the intended purposes.

SMS Privacy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors that provide support services, such as customer service or service delivery. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

HIPAA Compliance

If we collect or use your Protected Health Information (PHI), we comply with the Health Insurance Portability and Accountability Act (HIPAA). PHI will only be used or disclosed with your authorization or as permitted by law.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the Internet is 100% secure.

Your Choices

You may:

Request access to or correction of your information
Withdraw consent to communications at any time
Ask us to delete your data, subject to legal or contractual limitations

To exercise these rights or ask questions about this Privacy Policy, please contact Harbor Crest Advisors at 984-254-0428 or by email at lcarroll@harborcrestadvisors.com.

Cookies and Tracking

Our site may use cookies and similar tracking tools to enhance your experience. You may disable cookies in your browser settings, but some features may not function properly.

Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices of those sites.

Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a new effective date.

Effective as of August 19, 2026