Privacy Policy

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Effective Date: August 28, 2026

Sunset Insurance Group LLC (“Sunset Insurance Group,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit www.mysunsetinsurance.com, submit an inquiry or lead form, communicate with our agents, request an insurance quote, apply for coverage, or otherwise use our services.

Depending on your interaction with us, we may collect:

• Name
• Mailing address
• Email address
• Telephone number
• Date of birth
• Preferred language
• Household and dependent information

• Current insurance coverage
• Coverage preferences
• Policy and application information
• Employment and estimated household-income information
• Premium-payment information
• Information needed to determine eligibility for insurance products, subsidies, or financial assistance

We generally do not directly store complete payment-card or banking credentials when payments are processed through an insurance carrier, Marketplace, or third-party payment provider.

When reasonably necessary to provide insurance services, we may collect health-related information, prescription information, tobacco-use information, disability information, Medicare eligibility information, and other information used to evaluate coverage options or complete an insurance application.

When required for enrollment, identity verification, eligibility determination, or regulatory compliance, we may collect:

• Social Security numbers
• Medicare identification information
• Immigration or citizenship information
• Government-issued identification
• Tax-filing and household-status information

Please do not send sensitive information through unsecured email, text message, social media, or another communication method unless one of our agents has confirmed that the method is appropriate.

When you visit our website, we or our service providers may automatically collect information such as:

• Internet Protocol address
• Browser and device type
• Operating system
• Referring website
• Pages viewed and links selected
• Date, time, and duration of visits
• Cookie identifiers and similar technical information

We may collect information:

• Directly from you
• From a spouse, household member, authorized representative, or caregiver
• Through website forms, telephone calls, email, text messages, and in-person meetings
• From insurance carriers, general agencies, government Marketplaces, Medicare systems, and enrollment platforms
• From identity-verification, quoting, customer-management, and technology service providers
• From other sources when you authorize the collection or when permitted by law

If you provide information about another person, you represent that you are authorized to provide it and permit us to use it for the purposes described in this policy.

We may use personal information to:

• Respond to inquiries and requests
• Provide insurance quotes and coverage comparisons
• Help determine potential eligibility for insurance products or financial assistance
• Complete, submit, manage, and service insurance applications and policies
• Communicate with you about applications, enrollment deadlines, renewals, premiums, policy changes, and coverage
• Assist with customer-service and policy-related questions
• Confirm and document consumer authorization or consent
• Maintain required business, enrollment, and compliance records
• Detect or prevent fraud, unauthorized enrollment, identity theft, and security incidents
• Improve our website, communications, and customer experience
• Train and supervise authorized agents and staff
• Comply with legal, regulatory, carrier, Marketplace, licensing, and contractual obligations
• Protect our rights and the safety and security of our customers, personnel, and systems

We will use sensitive personal and health-related information only for legitimate insurance, enrollment, servicing, compliance, or security purposes, or as otherwise authorized by you or permitted by law.

We may disclose information when reasonably necessary to provide or administer insurance services, including to:

• Insurance carriers and health plans
• General agencies and authorized insurance partners
• The federal or applicable state Health Insurance Marketplace
• The Centers for Medicare & Medicaid Services and other government agencies
• Enrollment, quoting, customer-management, document-storage, communication, and identity-verification providers
• Licensed agents, authorized staff, contractors, and professional advisers
• Regulators, courts, law-enforcement agencies, or other parties when required or permitted by law
• A successor organization in connection with a merger, acquisition, restructuring, or sale of business assets, subject to applicable privacy obligations

These recipients may use information only as allowed by their agreements with us, their own privacy notices, and applicable law.

Sunset Insurance Group does not sell personal information for monetary compensation. We do not disclose sensitive personal or health information to unrelated third parties for their independent marketing purposes.

Our website and communications may contain links to insurance carriers, government Marketplaces, social media services, or other third-party websites and platforms.

Information submitted directly to a third party is governed by that organization’s privacy policy and security practices. Sunset Insurance Group is not responsible for the privacy practices, content, or security of independently operated third-party services.

Our website may use cookies and similar technologies to support website functionality, remember preferences, measure traffic, understand how visitors use the website, improve performance, and evaluate advertising.

You may adjust your browser settings to block or delete cookies. Disabling cookies may affect certain website functions.

Where required by applicable law, we will obtain consent before using nonessential cookies or similar tracking technologies.

If you provide your email address or telephone number, we may contact you regarding your inquiry, requested quote, application, policy, renewal, enrollment deadline, appointment, or another insurance-related matter.

Where you provide appropriate consent, we may also send educational or promotional communications. Consent to receive marketing text messages is not a condition of purchasing insurance.

Message and data rates may apply. Message frequency may vary. You may:

• Reply STOP to an automated marketing text to unsubscribe
• Use an unsubscribe link in a marketing email
• Contact us directly to update your communication preferences

Even after you opt out of marketing, we may continue sending nonmarketing communications that are reasonably necessary to service your request, application, or policy or to comply with legal obligations.

Email and ordinary text messaging may not be secure. Please use caution when transmitting Social Security numbers, medical information, identification documents, or other sensitive information.

We will not knowingly submit or modify a Health Insurance Marketplace enrollment without the consumer’s authorization or other lawful authority.

When required, we may document:

• Your authorization for us to assist with Marketplace enrollment
• The scope and duration of that authorization
• Your review and confirmation of application information
• Changes requested or approved by you
• Other information required by the Marketplace or applicable law

We may retain authorization and enrollment records for the period required by federal or state law, insurance carriers, or applicable Marketplace agreements.

The Health Insurance Portability and Accountability Act (“HIPAA”) applies to covered entities and their business associates in circumstances defined by law. Sunset Insurance Group may not be a HIPAA-covered entity in every interaction.

When we receive protected health information while acting for a covered entity or health plan, we will handle that information in accordance with applicable agreements and legal requirements. Other health-related information may be protected by different federal or state privacy and insurance laws.

Nothing in this Privacy Policy expands or limits rights that apply under HIPAA or another applicable law.

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

These safeguards may include access controls, password protection, secure systems, staff training, vendor oversight, and appropriate record-disposal procedures.

No internet transmission, email system, storage system, or security measure can be guaranteed to be completely secure. You should use caution when sending sensitive information electronically.

We retain information for as long as reasonably necessary to:

• Provide and service insurance products
• Maintain customer and transaction records
• Document consumer authorization
• Meet carrier, Marketplace, tax, licensing, contractual, and regulatory requirements
• Resolve disputes
• Prevent fraud
• Enforce agreements and protect legal rights

Retention periods vary according to the type of information and applicable requirements. When information is no longer reasonably required, we may securely delete, destroy, or de-identify it.

Subject to applicable law and identity verification, you may ask us to:

• Confirm whether we maintain personal information about you
• Provide access to certain personal information
• Correct inaccurate or incomplete information
• Update your contact or communication preferences
• Withdraw a previously provided authorization, when withdrawal is legally permitted
• Delete certain information that we are not legally or contractually required to retain

Some rights may be limited when retaining or using the information is necessary to service an insurance policy, comply with Marketplace or carrier requirements, maintain required records, prevent fraud, or meet another legal obligation.

We will not unlawfully discriminate or retaliate against you for making a privacy request.

Before fulfilling a request involving personal or sensitive information, we may take reasonable steps to verify your identity and authority.

If an authorized representative submits a request for you, we may require written authorization or other evidence demonstrating the representative’s authority to act on your behalf.

Our website and services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through the website.

Information about a minor may be collected from a parent, legal guardian, or authorized adult when reasonably necessary to obtain or service insurance coverage.

If you believe a child under 13 submitted personal information directly to us without appropriate authorization, please contact us so we can review and address the matter.

Some browsers offer a “Do Not Track” setting. Because there is not currently a universally accepted standard for responding to these signals, our website may not respond to every Do Not Track request.

You may use browser controls, cookie settings, and available opt-out tools to manage certain tracking preferences.

We may update this Privacy Policy when our services, technology, business practices, or legal obligations change.

The updated policy will be posted on our website with a revised effective date. Material changes may also be communicated through another reasonable method when required by law.

For questions, privacy requests, complaints, or concerns about this policy or our handling of personal information, contact:

Sunset Insurance Group LLC
Attention: Privacy Coordinator
Lakewood Ranch, Florida
Telephone: 941-780-5245
Website: www.mysunsetinsurance.com

Please do not include Social Security numbers, medical records, financial account information, or copies of identification in an initial privacy inquiry.

We will review privacy complaints in good faith and will not retaliate against anyone for raising a privacy concern or exercising a right provided by applicable law.

This structure reflects FTC guidance for insurance businesses handling sensitive information and CMS requirements for Marketplace agents to provide privacy notice and protect consumer information. HIPAA language is deliberately qualified because HIPAA applies only when the agency is acting as a covered entity or business associate in a legally covered situation. FTC privacy and security guidance, CMS Marketplace requirements, HHS covered-entity guidance.