Privacy Policy
Effective Date: August 27, 2026
Last Updated: August 27, 2026
Medicare Messengers, a division of American Family Financial Services, LLC (AFFS), respects your privacy and is committed to protecting the personal information you provide when visiting our website, requesting information, subscribing to our communications, or contacting us regarding Medicare-related insurance services.
This Privacy Policy explains what information we may collect, how we may use and protect that information, and the choices available to you regarding your personal information.
1. Information We May Collect
We may collect personal information that you voluntarily provide when you interact with Medicare Messengers. Depending on how you use our website or services, this information may include:
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Name
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Email address
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Telephone number
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City, state, or ZIP code
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Preferred method of contact
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Information submitted when requesting a Medicare consultation
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Information submitted through website contact forms
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Newsletter subscription information
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Information you voluntarily provide during communications with our insurance professionals
We may also automatically collect limited technical information when you visit our website, such as your browser type, device type, general geographic location, referring website, pages visited, and information collected through cookies or similar technologies.
2. How We Use Your Information
Information collected through Medicare Messengers may be used to:
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Respond to your questions or requests
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Schedule or coordinate a Medicare consultation
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Connect you with an appropriately licensed insurance professional
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Provide information about Medicare-related insurance options and services
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Send newsletters, educational resources, and other communications you have requested
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Communicate with you regarding an inquiry you submitted
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Improve our website, services, educational materials, and customer experience
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Maintain appropriate business and compliance records
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Meet applicable legal, regulatory, insurance carrier, and Medicare requirements
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Protect against unauthorized activity, fraud, or misuse of our website
We will use personal information only for legitimate business, service, compliance, and communication purposes consistent with the reason the information was collected and applicable law.
3. Medicare and Sensitive Information
Please do not submit highly sensitive personal information through a general website form, including your Social Security number, Medicare Beneficiary Identifier (MBI), financial account information, detailed medical records, passwords, or other sensitive information unless you are specifically instructed to provide that information through an authorized and appropriately secured process.
If additional information is necessary to assist with an insurance application or enrollment, an authorized insurance professional may provide instructions regarding the appropriate method for providing that information.
4. Medicare Consultation Requests
When you voluntarily request a Medicare consultation or submit an inquiry, the information you provide may be used by Medicare Messengers and American Family Financial Services to respond to your request and provide information related to the insurance services about which you have inquired.
Requesting information or scheduling a consultation does not obligate you to enroll in a Medicare plan or purchase an insurance product.
Any additional permissions or authorizations required for Medicare marketing, enrollment, or information-sharing activities will be obtained when required by applicable law or Medicare requirements.
5. Newsletter and Marketing Communications
If you subscribe to the Medicare Messiah newsletter or request other educational communications, we may use your contact information to send Medicare-related updates, educational information, wellness resources, company information, and other relevant communications.
You may unsubscribe from marketing emails at any time by using the unsubscribe option provided in the applicable email.
Unsubscribing from marketing communications does not necessarily prevent us from contacting you regarding a consultation, service request, transaction, or other communication that you specifically requested.
6. Text Messages and Telephone Communications
If you voluntarily provide your telephone number and expressly consent to telephone or text communications, Medicare Messengers and/or American Family Financial Services may contact you regarding the specific request or services described at the time your consent is obtained.
Providing consent to receive marketing calls or text messages is not a condition of purchasing an insurance product or enrolling in a Medicare plan.
Where applicable, you may withdraw consent for text communications according to the instructions provided in those communications.
7. How We May Share Information
Medicare Messengers does not sell your personal information to unrelated third parties for their independent marketing purposes.
We may disclose information when reasonably necessary to:
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American Family Financial Services
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Authorized and appropriately licensed insurance professionals
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Insurance carriers or organizations when necessary to provide requested insurance services and when permitted by applicable requirements
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Service providers that support our website, communications, scheduling, email distribution, technology, security, or business operations
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Government agencies, regulators, courts, or law enforcement when disclosure is required by law
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Protect Medicare Messengers, AFFS, consumers, or others against fraud, security threats, or unlawful activity
Third-party service providers receiving information on our behalf should receive only information reasonably necessary to perform the applicable service and are expected to handle that information appropriately.
Medicare-related beneficiary information will not be shared for marketing purposes when applicable Medicare rules require additional consent unless the required consent has first been obtained.
8. Cookies and Website Technologies
Our website may use cookies and similar technologies to help the website function properly, understand how visitors interact with the website, remember preferences, improve performance, and measure marketing effectiveness.
Certain third-party services incorporated into the website may also use cookies or similar technologies according to their own privacy practices.
Your browser may allow you to block or delete certain cookies. Disabling cookies may affect some website functionality.
9. Third-Party Websites and Services
Our website may contain links to third-party websites, including government resources, insurance carriers, scheduling services, social media platforms, or other external services.
Medicare Messengers and American Family Financial Services, LLC are not responsible for the privacy practices, security, accuracy, or content of websites operated by third parties.
We encourage you to review the privacy policy of any external website before providing personal information.
10. How We Protect Information
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, loss, or misuse.
However, no website, electronic transmission, email system, or electronic storage method can be guaranteed to be completely secure. For this reason, consumers should avoid transmitting highly sensitive information through ordinary website forms or unsecured email.
11. Data Retention
We may retain personal information for as long as reasonably necessary to provide requested services, maintain business records, comply with applicable insurance and Medicare requirements, resolve disputes, enforce agreements, and satisfy legal or regulatory obligations.
Information that is no longer reasonably required may be deleted, anonymized, or otherwise handled according to applicable record-retention requirements.
12. Your Privacy Choices
Depending on applicable law and the nature of your relationship with us, you may have the ability to request information regarding personal information maintained about you, request corrections to inaccurate information, withdraw certain communication permissions, or request deletion of certain information when retention is not otherwise required.
Certain information may need to be retained to comply with insurance, Medicare, legal, regulatory, recordkeeping, or other legitimate business requirements.
13. Children's Privacy
Medicare Messengers provides services primarily to adults seeking Medicare-related information and insurance services.
Our website is not directed toward children under the age of 13, and we do not knowingly seek to collect personal information from children under 13 through this website.
14. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our business practices, technology, services, legal requirements, or Medicare-related requirements.
When material changes are made, the revised policy will be posted on this website, and the Last Updated date will be changed accordingly.
15. Contact Us
If you have questions regarding this Privacy Policy, how your information is handled, or your privacy choices, please contact Medicare Messengers / American Family Financial Services using the contact information provided on our website.
Medicare Messengers
A Division of American Family Financial Services
Important Medicare Notice: Medicare Messengers and American Family Financial Services, LLC are not affiliated with, connected to, or endorsed by the U.S. government or the federal Medicare program. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).