Privacy Policy

Effective date: October 25, 2023
Last updated: October 21, 2026

Rock Meadow Insurance Services (“Rock Meadow,” “we,” “us,” or “our”) is an independent insurance agency, NPN #20649362, CA License #4281027. This Privacy Policy explains what personal information we collect through our website, phone calls, text messages, email, and meetings, how we use it, who we share it with, and the choices you have.

Information we collect

• Contact details, such as your name, email address, phone number, mailing address, and ZIP code.
• Details you give us for a quote or enrollment, such as date of birth, household size and income, current coverage, Medicare or policy numbers, and, when it relates to the coverage you ask about, health information such as your doctors, prescriptions, and conditions.
• Business details for commercial coverage, such as business name, industry, payroll, and property information.
• Communications, including calls, texts, emails, and meeting notes, and recordings and transcripts of calls where permitted by law.
• Device and usage data, such as IP address, browser type, pages viewed, and how you reached our site, collected through cookies, pixels, and similar technologies.
• Information from others, such as referral and lead sources, insurance carriers, and public records, when needed to handle your request.

How we use your information

• To respond to you, prepare quotes, compare coverage options, help you apply or enroll, and service your policies.
• To schedule appointments and send confirmations and reminders.
• To send emails or text messages you have agreed to receive, such as coverage updates and educational content.
• To meet legal and regulatory requirements, including Centers for Medicare & Medicaid Services (CMS) rules on call recording and record retention.
• To operate, secure, and improve our website and services, and to measure our advertising.
• To detect and prevent fraud and misuse.

AI-assisted and automated tools

We use technology, including artificial intelligence (AI) tools, to help run our business. These tools may be used to draft and summarize notes, transcribe and review recorded calls, organize and compare quote and plan information, respond to common questions through chat, text, or phone assistants, and create website and marketing content.

When these tools process personal information, the companies that provide them act as our service providers under terms that require them to protect it and to use it only to provide services to us. A licensed agent reviews the coverage options we present to you, and decisions about your coverage are always yours. If you interact with an automated assistant, we will let you know it is automated, and you can ask to speak with a licensed agent at any time.

Call recording

Calls with us may be recorded and transcribed for quality, training, compliance, and record-keeping. Medicare-related calls are recorded as required by CMS. We will tell you at the start of a call when it is being recorded.

How we share your information

We do not sell your personal information. We share it only in these situations:

• Insurance carriers and their representatives, to quote, apply for, or enroll you in coverage you request.
• Service providers that help us operate, including our customer relationship management system (Freshworks), scheduling (Calendly), email (Kit), call-tracking and phone services, text messaging providers, website hosting, analytics, and AI-assisted tools.
• Advertising and analytics partners, such as Google and Meta, through cookies and pixels on our website, to measure and show our ads. These partners may receive information such as the pages you visit and device identifiers.
• Legal and safety reasons, when required by law, regulators, or court order, or to protect the rights and safety of our clients, our agency, or others.
• Business transfers, if our agency or book of business is sold or merged, subject to this policy.
• With your consent or at your direction.

Text messages

If you opt in, we may text you about appointments, quote requests, and coverage updates. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Consent to receive texts is not a condition of any purchase.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties, other than the service providers that deliver our messages.

Cookies and your choices

• You can block or delete cookies in your browser settings. Some site features may not work without them.
• You can adjust ad personalization in your Google and Meta account settings.
• You can unsubscribe from our emails with the link in any email, and stop texts by replying STOP.
• You can ask us to stop using your information for marketing by contacting us at support@rockmeadowinsurance.com.

Your privacy rights

Depending on where you live, including California, you may have the right to:

• Know what personal information we have collected about you and how we use and share it.
• Get a copy of your personal information.
• Correct inaccurate personal information.
• Delete your personal information, subject to legal exceptions.
• Opt out of the sharing of your personal information for targeted advertising.
• Limit the use of sensitive personal information, such as health information.

To make a request, email support@rockmeadowinsurance.com or call (760) 654-6760. We will verify your identity before acting on a request, and you may use an authorized agent. We will not discriminate against you for exercising your rights. Some records, such as Medicare call recordings and enrollment records, must be kept for a period set by law even after a deletion request.

How we protect and keep your information

We use administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is completely secure. We keep information for as long as needed to serve you and to meet legal, regulatory, and carrier requirements.

Children

Our website is not directed to children under 13, and we do not knowingly collect their personal information online. Information about a child is collected only from a parent or guardian when it is needed for family coverage.

Other websites

Our site links to other websites, such as insurance carriers and Medicare.gov. Their privacy practices are their own, and we encourage you to review their policies.

Changes to this policy

We may update this policy from time to time. The “Last updated” date at the top shows when it last changed.

Contact us

Questions about this policy or your information? Email support@rockmeadowinsurance.com or call (760) 654-6760.