Medicare University Powered By Local Medicare Agents

Medicare University Enroll With Confidence

Privacy Policy

Effective Date: July 8th, 2026

Last Updated: July 8th, 2026

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

LMA Insurance (“we,” “us,” or “our”) DOES NOT share customer opt-in information, including phone numbers and consent records, with any affiliates or third parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.

This Privacy Policy explains how Local Medicare Agents, LLC, doing business as LMA Insurance and Medicare University (“LMA Insurance,” “Local Medicare Agents,” “Medicare University,” “we,” “us,” or “our”), collects, uses, shares, and protects information when you visit medicareu.com, request Medicare information, schedule a call, submit a form, communicate with us, or work with one of our licensed insurance agents.

We are an independent insurance agency. We are not connected with or endorsed by the United States government or the federal Medicare program.

By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

  1. Information We Collect

We may collect information directly from you, automatically through our website, or from service providers and other third parties that help us operate our business.

A. Information You Provide to Us

When you submit a form, request a Medicare guide, schedule an appointment, contact us, or work with one of our licensed agents, we may collect:

  • Name
  • Phone number
  • Email address
  • Mailing address
  • Date of birth, if needed for Medicare-related assistance
  • State of residence
  • Appointment information
  • Preferred contact method
  • Information you submit through website forms
  • Information about your Medicare questions, eligibility, plan interests, or coverage needs
  • Information about doctors, prescriptions, pharmacies, current coverage, or health-plan preferences, if you choose to provide it
  • Communication preferences and consent records

Please do not submit Medicare numbers, Social Security numbers, detailed medical records, or other highly sensitive information through a general website form unless specifically requested by one of our licensed agents through an appropriate process.

B. Information Collected Automatically

When you visit our website, we may automatically collect certain information, including:

  • IP address, Browser type, Device type, Operating system
  • Referring website, Pages viewed, Date and time of visit
  • General location information based on IP address
  • Website interactions, such as clicks, forms, buttons, and links
  • Cookie identifiers and similar online identifiers

This information may be collected through cookies, pixels, tags, scripts, analytics tools, advertising tools, or similar technologies.

C. Information From Website-Connected Tools 

When you interact with our website, we may receive related information from the tools we use to operate the site and respond to your request.

For example, if you submit a form, schedule a call, click one of our ads, or request Medicare information, our website tools, scheduling tools, advertising platforms, customer relationship management system, phone system, email platform, or text messaging platform may provide us with related information such as the form submitted, appointment details, lead source, page URL, date and time, communication records, or consent records.

  1. How We Use Information

We may use the information we collect to:

  • Respond to your request for Medicare information
  • Send requested Medicare education materials
  • Schedule, confirm, or follow up on appointments
  • Connect you with a licensed insurance agent
  • Help review Medicare Advantage, Medicare Supplement, Prescription Drug Plan, dental, vision, hospital indemnity, or other insurance options
  • Communicate with you by phone, text message, email, mail, or other methods, subject to applicable consent requirements
  • Provide customer service and ongoing policy support
  • Maintain records of inquiries, appointments, consent, communications, and service requests
  • Comply with Medicare, insurance, carrier, licensing, marketing, call-recording, and record-retention requirements
  • Improve our website, advertising, services, and client experience
  • Measure website traffic and marketing performance
  • Show follow-up advertising or retargeting ads, where permitted and subject to your cookie and privacy choices
  • Send postcards, mailers, reminders, or other follow-up communications
  • Prevent fraud, improve security, and protect our business
  • Comply with legal obligations, audits, carrier requests, or regulatory requirements
  1. Medicare and Insurance-Related Information

Because we provide Medicare insurance education and licensed insurance assistance, some information you provide may relate to your Medicare eligibility, insurance interests, doctors, medications, pharmacies, coverage needs, or plan preferences.

We use this information to respond to your request, help review available insurance options, provide service, maintain compliance records, and support the services you ask us to provide.

We do not provide medical care, medical advice, or healthcare treatment. We do not use website form information to make medical decisions.

  1. Calls, Text Messages, and Emails

If you provide your phone number or email address, we may contact you about your inquiry, requested materials, appointment, Medicare questions, insurance options, or related services.

Where required by law, we will obtain your consent before sending marketing text messages or using automated dialing, prerecorded messages, artificial voice, or similar technology.

  1. SMS Messaging & Compliance

Text Message Program Terms & Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment reminders, customer support, and important updates.

Opt-In & Consent:

  • You will only receive messages if you have explicitly opted in
  • We maintain timestamped records of all opt-in actions
  • We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Opt-Out Instructions:

  • You can cancel SMS notifications at any time by replying “STOP”
  • You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
  • All opt-out requests are processed immediately

Message Frequency & Content:

  • Message frequency varies based on your interactions with our business
  • Messages will be directly related to the services you have requested
  • We do not send promotional content without specific consent

Help & Support:

  • Reply “HELP” for assistance or contact us at [email protected].
  • Customer support is available during regular business hours

Carrier Information:

  • Standard message and data rates may apply
  • Carriers are not liable for delayed or undelivered messages
  • Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers

Some calls may be recorded or monitored for quality, training, compliance, or recordkeeping purposes, where permitted or required by law.

  1. Important Notice Regarding SMS Consent Data

We do not sell, rent, or share your SMS opt-in information, phone number, or text message consent records with unrelated third parties for their own marketing or promotional purposes.

We may share SMS-related information with service providers that help us send, manage, or document text messages, such as messaging platforms, phone systems, CRM providers, compliance vendors, or text message delivery providers. These providers are permitted to use the information only to provide services to us.

  1. Cookies, Pixels, Analytics, and Advertising Technologies

Our website may use cookies, pixels, tags, scripts, and similar technologies to operate the website, remember preferences, measure traffic, improve user experience, understand marketing performance, and support advertising.

These technologies may include tools such as:

  • Usercentrics or another consent management platform
  • Google Tag Manager
  • Google Analytics
  • Google Ads
  • Meta/Facebook advertising tools
  • CRM and form tools
  • Email and text message platforms
  • Scheduling tools
  • Security, spam-prevention, or CAPTCHA tools
  • Other analytics, advertising, or website service providers

Some of these tools may collect online identifiers, IP address, device information, website activity, pages visited, form interactions, or similar information.

We may use advertising tools, including Meta/Facebook or Google tools, to show follow-up advertising to visitors who have interacted with our website or requested information.

Where required, non-essential analytics and advertising technologies will be managed through our cookie consent banner or Cookie Preferences tool.

You can manage your cookie choices by using the Cookie Preferences link in our website footer or through the cookie banner when it appears.

  1. How We Share Information

We do not sell leads to unrelated companies or data brokers.

We may share information in the following ways:

A. Licensed Agents and Team Members

We may share information with our licensed insurance agents, employees, contractors, and authorized team members so they can respond to your request, schedule appointments, provide Medicare insurance assistance, or service your account.

B. Service Providers

We may share information with vendors and service providers that help us operate our business, including:

  • Website hosting providers
  • CRM systems
  • Form providers
  • Phone and call-recording systems
  • Email and text message platforms
  • Scheduling tools
  • Printing and mailing vendors
  • Advertising and analytics providers
  • Consent management providers
  • Compliance vendors
  • Data security providers
  • Administrative and operational service providers

These providers may use information only as needed to perform services for us, unless otherwise disclosed or permitted by law.

C. Insurance Carriers and Insurance-Related Parties

If you ask us to help review, quote, apply for, enroll in, or service insurance coverage, we may share information with insurance carriers, plan sponsors, enrollment platforms, field marketing organizations, compliance vendors, or other insurance-related parties involved in quoting, comparing, submitting, processing, or servicing insurance applications or enrollments.

D. Advertising and Analytics Partners

We may use advertising and analytics tools to measure website performance, understand marketing effectiveness, and show relevant follow-up advertising.

Some privacy laws may consider certain advertising or retargeting activity to be a “share” of personal information for targeted advertising or cross-context behavioral advertising, even if no money is exchanged.

You can manage these choices through Cookie Preferences, Privacy Choices, or by contacting us.

E. Legal, Compliance, and Safety Purposes

We may share information when we believe it is necessary to comply with law, regulation, subpoena, legal process, Medicare or insurance compliance obligations, licensing requirements, carrier requests, audits, fraud prevention, security, or to protect our rights, clients, business, or others.

F. Business Transfers

If our business is involved in a merger, acquisition, sale, reorganization, transfer of assets, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law.

  1. We Do Not Sell Leads

We do not sell your personal information or lead information to unrelated companies, data brokers, or outside agencies.

When you submit information to us, it may be made available to our licensed agents, authorized team members, service providers, insurance carriers, or insurance-related partners as needed to respond to your request, provide insurance assistance, operate our business, or comply with legal and regulatory requirements.

We may use your information to follow up with you, send requested materials, send mail such as postcards, provide customer service, or show follow-up advertising, subject to applicable law and your privacy choices.

  1. Privacy Choices

Depending on your state of residence and applicable law, you may have the right to:

  • Request access to personal information we maintain about you
  • Request correction of inaccurate information
  • Request deletion of certain personal information
  • Opt out of marketing emails
  • Opt out of text messages
  • Opt out of targeted advertising or retargeting
  • Opt out of the sale or sharing of personal information, where applicable
  • Limit certain uses of sensitive personal information, where applicable
  • Withdraw consent for certain future communications

To submit a privacy request, complete the form below or contact us using the information listed in the Contact Us section.

(Include an opt-out form right here. You can use something similar to what the Brock’s used on their privacy section, attached here )

We may need to verify your identity before completing certain requests.

  1. Cookie Preferences and Targeted Advertising Choices

You can manage cookies and similar technologies by using the Cookie Preferences link in our website footer.

If you reject advertising or marketing cookies, we will use reasonable efforts to prevent non-essential advertising tags from being used for that browser or device, subject to the limits of available technology.

You can also adjust settings through your browser, device, or third-party advertising platforms such as Google, Facebook/Meta, or other advertising networks.

If you use different browsers or devices, or if you clear your cookies, you may need to update your preferences again.

  1. Do Not Sell or Share My Personal Information / Privacy Choices

We do not sell personal information in the traditional sense of exchanging it for money.

However, some privacy laws define “sale” or “sharing” broadly. Certain advertising, analytics, or retargeting activities may be considered a “share” of personal information for targeted advertising or cross-context behavioral advertising.

You may request that we do not sell or share your personal information by using the Privacy Choices or Do Not Sell or Share link in our website footer, adjusting Cookie Preferences, or contacting us directly.

If we are not legally required to provide a specific privacy right because a particular law does not apply to our business, we may still make reasonable efforts to honor your request where practical.

  1. Global Privacy Control

Where required by applicable law and supported by our consent-management technology, we will honor recognized browser-based opt-out preference signals, such as Global Privacy Control, as a request to opt out of sale or sharing for the browser or device sending the signal.

Because these signals are browser- and device-specific, they may not apply across all browsers, devices, or offline records unless you also contact us directly and provide enough information for us to process your request.

  1. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including:

  • Responding to inquiries
  • Providing services
  • Maintaining business records
  • Maintaining communication and consent records
  • Servicing insurance policies
  • Complying with Medicare, insurance, carrier, licensing, tax, legal, and compliance obligations
  • Resolving disputes
  • Enforcing agreements
  • Preventing fraud and maintaining security

Retention periods may vary depending on the type of information and the reason it was collected.

Medicare, insurance, call-recording, marketing, consent, application, enrollment, and service-related records may be retained for the period required by applicable law, carrier rules, CMS rules, or our internal compliance policies.

  1. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information.

No website, email system, CRM, phone system, or electronic storage method is completely secure. We cannot guarantee absolute security.

  1. Children’s Privacy

Our website and services are intended for adults, especially individuals seeking Medicare information for themselves, a spouse, a parent, or another family member.

We do not knowingly collect personal information from children under 13. If we learn that we have collected information from a child under 13, we will take reasonable steps to delete it.

  1. Third-Party Links

Our website may link to third-party websites, including Medicare.gov, insurance carriers, scheduling platforms, social media platforms, or other resources.

We are not responsible for the privacy practices, content, or security of third-party websites. You should review the privacy policies of those websites before providing information.

  1. State Privacy Rights

Residents of certain states may have additional privacy rights under state privacy laws.

Depending on where you live and whether a particular law applies to our business, you may have rights to access, correct, delete, opt out of targeted advertising, opt out of sale or sharing, limit certain uses of sensitive information, or appeal certain privacy decisions.

To exercise privacy rights, contact us using the information below.

  1. California Notice

California residents may have certain rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, if that law applies to our business.

The categories of personal information we may collect are described in Section 1. The purposes for collection and use are described in Section 2. The categories of service providers, third parties, or other parties to whom information may be disclosed are described in Section 7.

We do not sell personal information to data brokers. We may use advertising or retargeting tools that could be considered “sharing” under California privacy law. California residents may opt out of sale or sharing, where applicable, through Cookie Preferences, Privacy Choices, or by contacting us.

We do not knowingly sell or share personal information of consumers under 16 years of age.

19. Nevada

Nevada residents may submit a verified request directing us not to make certain sales of covered personal information by contacting us at the email below. As stated above, we do not currently sell personal information.

20. Consumer Health Data Notice

Some states have privacy laws that apply to consumer health data or health-related information.

Because our website and services relate to Medicare insurance education and insurance assistance, information you provide may reveal or suggest an interest in Medicare, insurance coverage, doctors, medications, pharmacies, or health-plan needs.

We use this information to respond to your request, provide insurance-related assistance, maintain records, and comply with legal, carrier, and regulatory obligations.

We do not sell consumer health data. We do not use consumer health data to provide medical care, medical diagnosis, or medical treatment.

Where required by applicable law, we will obtain consent before collecting, using, or sharing consumer health data for purposes that require consent.

21. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new “Last Updated” date.

Your continued use of the website after an update means you acknowledge the updated policy.

22. Contact Us

If you have questions about this Privacy Policy or want to submit a privacy request, contact us at:

Local Medicare Agents, LLC / LMA Insurance
Website: medicareu.com
Email: [email protected]
Phone: 559-366-4734
Mailing Address: 5412 N Palm Ave Ste 109, Fresno, CA 93704

Please include your name, contact information, state of residence, and the nature of your request so we can respond appropriately.

Skip to content