Privacy Policy

Summit Benefits Group is an independent insurance agency serving individuals and families across Kentucky. We provide guidance on Medicare, Kynect (Kentucky’s health benefit exchange), and ancillary coverage options including dental, vision, hospital indemnity, critical illness, and accidental death & dismemberment insurance.

This policy applies to everyone who visits the Site, submits information through our contact or inquiry forms, reads our educational resources, or otherwise interacts with the Site.

Information You Provide Directly

When you submit a contact or inquiry form on the Site, you may provide personal information such as:

• First and last name
• Email address
• Phone number
• ZIP code
• Coverage interest or type of insurance inquiry, including insurance or coverage information you voluntarily provide
• Any additional notes or questions you choose to include
• SMS consent / opt-in status, and the date and time consent was given, when you check the SMS consent box on a form
• Communication history related to your inquiries

You may also provide information when you contact us by phone, email, or other means.

Information Collected Automatically

When you visit the Site, certain technical information may be collected automatically, such as:

• Browser type and version
• Device type and operating system
• Pages visited, referring URLs, and general browsing activity on the Site
• IP address and approximate geographic location
• Date and time of access

This information is collected through standard web server logs and may also be gathered through cookies or similar technologies as described in Section 6.

Form Security Data

Our contact forms include anti-spam measures that may record metadata such as submission timing and interaction patterns. This data is used solely to distinguish legitimate inquiries from automated abuse and is not used for marketing or profiling.

We use the information we collect for purposes that include:

• Responding to your questions, inquiries, and requests for insurance guidance
• Providing the coverage review or help you requested
• Following up regarding coverage options or services you have expressed interest in
• Customer care and appointment reminders
• Service and account notifications related to your active request
• Sending SMS/text communications where you have affirmatively opted in (see Section 5)
• Notifying our team internally so we can respond to your submission promptly
• Maintaining inquiry records for business operations and customer service
• Improving the Site, its content, and the user experience
• Maintaining the security and integrity of the Site, including spam prevention
• Complying with applicable legal obligations

We do not sell your personal information. We may share it in the following limited circumstances:

SMS consent is not shared with third parties or affiliates. We do not sell or share SMS opt-in data or phone numbers for the purpose of SMS with third parties or affiliates.

• Service providers: We use third-party service providers to help operate the Site, deliver email notifications, store data, and support our business operations. These providers receive only the information necessary to perform their services on our behalf.
• Legal requirements: We may disclose information if required to do so by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will make reasonable efforts to notify affected individuals of any such change.

If you affirmatively opt in to SMS — by checking the SMS consent box on one of our website forms or otherwise giving express consent — you may receive text messages from Summit Benefits Group relating to:

• Coverage review follow-up
• Appointment reminders
• Customer care
• Account and service notifications
• Insurance-related information you have requested

Message frequency may vary. Message and data rates may apply. You can opt out at any time by replying STOP. For assistance, reply HELP or contact us using the details in Section 14.

SMS consent is not shared with third parties or affiliates. We do not sell or share SMS opt-in data or phone numbers for the purpose of SMS with third parties or affiliates.

Entering a phone number on a form does not by itself constitute SMS consent. We treat SMS consent as granted only when you check the SMS consent box, and we record that consent separately along with the date and time it was given. Full messaging terms are available in our SMS Terms & Conditions at summitgroupky.com/sms-terms.

The Site may use cookies or similar technologies to support functionality, understand how the Site is used, and improve the experience. These technologies may be provided by us or by third-party hosting and analytics services.

Data collected through these technologies may include pages visited, time on site, referring sources, and general usage patterns.

Most web browsers allow you to manage or disable cookies through your settings. Disabling cookies may affect certain Site features.

If you have questions about the specific technologies used on this Site, please contact us using the information in Section 14.

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this policy, including business, legal, compliance, and recordkeeping needs. When information is no longer required, we take reasonable steps to delete or de-identify it.

We use reasonable administrative, technical, and organizational measures to protect personal information. However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

If you believe your information has been compromised, please contact us immediately using the details in Section 14.

You have the following choices regarding your personal information:

• Access and correction: You may contact us to request access to or correction of the personal information we hold about you.
• Questions about your data: You may contact us at any time with questions about what information we have collected in connection with your inquiries.
• Cookie controls: You can manage or disable cookies through your browser settings. See Section 6 for more information.
• Communication preferences: If you receive follow-up communications from us and wish to opt out, you may let us know by contacting us directly.
• SMS opt-out: You can stop SMS messages at any time by replying STOP to any message from us. Reply HELP for assistance.

Residents of certain states may have additional rights regarding their personal information. If you would like to make a privacy-related request under your state’s laws, please contact us using the details in Section 14. We will review and respond to your request in accordance with applicable law.

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn that such information has been collected, we will take reasonable steps to delete it promptly. If you believe a child has submitted information through the Site, please contact us.

The Site may link to third-party websites or services not operated by Summit Benefits Group. We are not responsible for the privacy practices or content of those sites and encourage you to review their policies independently.

We may update this policy from time to time. When we do, we will revise the “Effective Date” at the top of this page. We encourage you to review this policy periodically.

If you have questions or requests regarding this policy, please contact us: