Privacy Policy

1. Overview

River Rock Insurance Services Inc. is a licensed independent insurance agency (CA License #0D08265) serving clients in California and Hawaii. We help individuals navigate Medicare and health insurance options at no cost to them.

We collect personal information solely to provide insurance guidance, respond to inquiries, and connect you with appropriate plan options. We do not sell your personal information to third parties for marketing purposes.

2. Information We Collect

We collect information you provide directly and information collected automatically when you visit our website.

Information You Provide

• First and last name
• Phone number and email address
• ZIP code and state of residence
• Type of insurance coverage you are seeking (e.g., Medicare Advantage, Supplement, Part D)
• Optional message or notes you include in a form submission
• Appointment scheduling information (via our booking calendar)

Information Collected Automatically

• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages visited, time on site, and referring URL
• Interaction data collected via Google Analytics and the Otto (SearchAtlas) optimization pixel

3. JotForm & Form Data

Our website uses JotForm (jotform.com) to power our contact and quote request forms. When you submit a form, your data is transmitted to and stored on JotForm's servers in addition to being delivered to River Rock Insurance.

JotForm is compliant with GDPR, CCPA, HIPAA (for applicable forms), and the EU-U.S. Data Privacy Framework. JotForm uses 256-bit SSL encryption to protect data in transit and stores data on secure, SOC 2-certified infrastructure.

JotForm may collect the following technical data when you interact with an embedded form:

• IP address at time of form submission
• Browser and device metadata
• Form interaction data (fields completed, time to submit)
• Cookies set by JotForm's embed script for session management

For full details on how JotForm handles your data, please review JotForm's Privacy Policy.

4. How We Use Your Information

We use the information we collect to:

• Respond to your quote request or inquiry
• Schedule and conduct insurance consultations
• Research and present Medicare plan options relevant to your situation
• Follow up on open inquiries or enrollment assistance
• Send appointment reminders or follow-up communications you have requested
• Improve our website content and user experience using aggregated analytics data
• Comply with applicable insurance regulations and legal obligations

We do not use your information for automated decision-making or profiling, and we do not send unsolicited marketing emails or texts without your prior consent.

5. Sharing Your Information

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

• Insurance carriers: When you request a quote or enroll in a plan, we share the necessary information with the relevant insurance carrier(s) to generate accurate quotes or process your application.
• Service providers: We use third-party tools (JotForm, Google Analytics, SearchAtlas/Otto, our booking calendar provider) that process data on our behalf under confidentiality agreements.
• Legal compliance: We may disclose information if required by law, court order, or regulatory authority, including the California Department of Insurance.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

6. Cookies & Tracking Technologies

Our website uses the following tracking technologies:

You can control cookies through your browser settings. Disabling cookies may affect the functionality of embedded forms on this site.

7. California Privacy Rights (CCPA / CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) grant you the following rights:

• Right to Know: You may request a copy of the personal information we have collected about you in the past 12 months.
• Right to Delete: You may request that we delete your personal information, subject to certain exceptions (e.g., legal obligations).
• Right to Correct: You may request that we correct inaccurate personal information we hold about you.
• Right to Opt Out of Sale: We do not sell personal information. No opt-out is required.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights.

To exercise any of these rights, contact us at help@plansforhealth.com or call (916) 865-8352. We will respond within 45 days as required by law.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or destruction. Our website is served over HTTPS with TLS encryption. Form submissions are transmitted via JotForm's 256-bit SSL-encrypted infrastructure. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including providing ongoing insurance services, and to comply with applicable legal and regulatory requirements. California insurance regulations may require us to retain certain records for a minimum of five years. You may request deletion of your data at any time, subject to these legal retention obligations.

10. Children's Privacy

Our website and services are intended for adults aged 18 and older. We do not knowingly collect personal information from children under the age of 13. If you believe a child has submitted personal information through our site, please contact us immediately and we will delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the "Effective Date" at the top of this page. We encourage you to review this policy periodically. Continued use of our website after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

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