Privacy Policy

The privacy policy outlined below discloses the specific ways in which ExpertLTC functions, how you should use it or can use it, how we collect user information and how that information is handled and protected. Your privacy is important to ExpertLTC, and we're committed to making sure it is protected. This privacy policy only applies to ExpertLTC. We use your information only in the ways described below.

Agreement to This Policy

By using this website, you consent to this privacy policy, including your consent to our use and disclosure of information about you in the manner described in this privacy policy.

Information Collection and Use

The information we collect about you we get directly from you through applications, contracts, documents and forms that you completed or signed. Information from our telephone conversations with you is also compiled.

With your authorization, we may obtain additional information about you or others who may have an interest in your insurance policy, annuity contract or primary residence, from additional sources, including your insurance company, insurance producer, health care providers, creditors, credit reporting agencies and your representatives or advisors. With your authorization, we may also obtain information about you from public records and other persons.

We may also obtain the following types of non-public, personal information about you:

• Personal information, such as your name, address, social security number, driver's license number, occupation and employer
• Financial information, such as assets, income, credit history, banking information and account numbers
• Legal information, such as judgments, liens, bankruptcies, divorces, probate, and other civil and criminal court proceedings
• Other identifying information, such as birth date, telephone and fax numbers, and email, street, and mailing addresses
• Insurance or annuity policy information, including the policy terms, conditions and limits, the named beneficiaries, and your premiums and payment history
• Medical information, such as your current health status and prior health care treatments

Disclosure About Sharing Your Information

Only with your consent will ExpertLTC rent or sell your non-public personal information to anyone. If required by law, we will disclose your information. Only with your permission will we disclose your non-public personal health information to our affiliates and non-affiliated companies that provide services for us related to a transaction you request.

Also with your authorization, we will disclose your nonpublic personal health information to entities that provide us with financing or financial support for a transaction that you request. As permitted by law and with your authorization, we may disclose your health information to allow our authorized representative to contact you for purposes of determining your current health status.

Affiliate Links

Some of our posts may contain affiliate links. If you click on an affiliate link, we may receive compensation as a result. The product or service doesn't cost you more — it's priced the same as if you went directly to the site.

Affiliate links do not influence our coverage of products and services. Our editorial integrity is the most valuable asset we possess.

Sharing Regarding Products and Services

If you submit a request for information or services concerning annuities, structured settlements, insurance and cash advances, you will be asked to provide your personal information (such as your full name, email address and phone number). We share your information with nonaffiliated businesses within our network of partners that provide a product or service that you desire.

As permitted by law or with your authorization, we will share your non-public personal financial information (1) with our affiliates and non-affiliated companies that provide services for us related to a transaction you request and (2) under the following additional circumstances:

• To establish or exercise our legal rights or defend against legal claims
• In connection with a proposed or actual sale, merger, transfer, exchange or consolidation of any portion of our business
• To secure services and advice from our attorneys, accountants and auditors
• As required or permitted by law, we may also disclose your nonpublic personal financial information for other purposes or to other persons with your authorization

Your Computer Cookies

For better and faster service when you return to our website, cookies may be placed on your browser. A cookie is coded data that is stored on your hard drive, which enables us to understand your use of our website. With these tools, we can determine the number of unique users accessing the various pages on the site and improve flow and content for your future visits. A cookie cannot obtain information from your hard drive, destroy files, or transmit viruses.

We do track users who come to our site. We use cookies to evaluate what browser you are using, what pages you land on and read and how long you are on these pages. If you go away from ExpertLTC and then return again, we can track you over time as a repeat visitor unless you have cleaned out the cookies from your computer.

Our cookie and tracker tools may include Meta Pixel, Google Analytics, Microsoft Clarity, and Cloudflare Insights for analytics, performance measurement, and site improvement. These trackers load only after consent where applicable.

Choices about Cookies

You can normally configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the Help menu of your browser to learn how to change your cookie preferences.) If you reject all cookies, you will still be able to use ExpertLTC services.

Our Former Customers

Information about our former customers is used in the same manner as we use information about our current customers.

Transfer of Ownership and Sales of Assets

In the event that ExpertLTC goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred to the extent that you voluntarily provided it. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Spam, Spyware

We do not tolerate spam or spyware coming to our website or going to our users through our website. If you suspect you received spam or spyware because you used ExpertLTC, please make us aware of the issue by alerting us with an email to [email protected]. You are not permitted to use our website to spam or send spyware to a third party.

Confidentiality and Security

Non-public personal information we receive about you has restricted access. Only the employees of ExpertLTC who need to know your information to provide products or services have access to your information. We maintain physical, electronic and procedural safeguards, in accordance with applicable state and federal standards, to protect your personal financial information against risks such as loss, destruction or misuse.

Testimonials

If you submit a testimonial to us, we will ask for your permission to post your testimonial prior to any public use. We will post your name as given to us in your testimonial. If we use a photograph of you, we will only use one that you provide to us. We do not use stock photos with testimonials.

Contacting Us

If you have any questions, concerns or suggestions about our Privacy Policy or anything else about ExpertLTC, you may contact us in several ways:

Any information sent to us through email is not encrypted by us.

Data Storage/User Information

All ExpertLTC account information (including names, phone numbers, and mailing addresses) and content of email messages are stored on multiple redundant disk storage systems. No removable offline copies or backups are made. If you request deletion of your email address or any other identifiable information, your information will be deactivated and removed from our user registration database within 30 days.

Content on ExpertLTC

We work hard to ensure the articles on ExpertLTC are quality ones. We research all of our articles and quality-control them to make sure we have accurate facts. If you find errors on the site, feel free to contact us and let us know what you found.

Linked Websites

We cannot control the content of sites linking to or from ExpertLTC. As a result, we are not responsible for that content, nor can we make representations to the content of those websites or their individual privacy policies.

Notice to California Residents

Residents of the State of California may request a list of all third parties to which this website has disclosed certain information during the preceding year for those third parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at [email protected].

For all requests, you must put the statement "California Shine the Light Privacy Request" in the body of your request, as well as your name, street address, city, state, and zip code.

Notice to Users Outside of the United States

This privacy policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated.

Updates to our Privacy Policy

ExpertLTC updates or modifies this privacy policy from time to time. If we make material changes to this privacy policy or to how ExpertLTC will use your personal information, we will post those changes here. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure that you are aware of any changes in our privacy practices.

CCPA - California Consumer Privacy Act

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in our current Privacy Statement and applies solely to visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 ("CCPA") and other California privacy laws.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you
• The categories of sources for the personal information we collected about you
• Our business or commercial purpose for collecting or selling that personal information
• The categories of third parties with whom we share that personal information
• The specific pieces of personal information we collected about you (also called a data portability request)

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

Exercising Your Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by calling: (866) 993-5933

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.