Privacy Policy

Cardinal Senior Benefits LLC
Effective Date: January 1, 2026

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

Cardinal Senior Benefits LLC (“we,” “us,” or “our”) does not share customer opt-in information, including mobile phone numbers, SMS consent records, or text messaging originator opt-in data, with affiliates or third parties for marketing, promotional, or unrelated purposes. All text messaging opt-in data and consent records are kept strictly confidential.

  1. Information We Collect

We may collect the following types of information:

Personal Information:
• Name
• Email address
• Phone number
• Mailing address or physical address
• Information submitted through forms, quote requests, chat tools, or other inquiry methods
• Payment information, where applicable, if you make a purchase or payment through our services
• Opt-in records, consent selections, timestamps, and communication preferences for SMS, email, phone, or other communication channels

Non-Personal Information:
• IP address
• Browser type
• Device information
• Website usage patterns and analytics
• Cookies and similar tracking technologies

Customer Communication Information:
• Records of inquiries and service requests
• Appointment details and preferences
• Quote requests and follow-up details
• Service history and customer support communications
• Feedback or other information you choose to provide

  1. How We Use Your Information

We use collected information for the following purposes:

• To provide, operate, and improve our services
• To respond to inquiries, quote requests, and customer support requests
• To schedule appointments and follow up on service-related requests
• To communicate with you about your inquiries, appointments, quotes, account updates, and service-related matters
• To send promotional messages only when you have specifically consented to receive promotional communications
• To process transactions or payments, where applicable
• To improve website functionality and user experience
• To maintain records of your communication preferences and consent
• To protect the security of our website, customers, and business operations
• To comply with applicable legal, regulatory, and compliance requirements

  1. SMS Messaging & Compliance

Text Message Program Terms

By opting in to receive text messages from Cardinal Senior Benefits LLC, you agree to receive informational/customer-care and/or promotional text messages depending on the consent option you selected.

Informational and customer-care messages may include responses to inquiries, appointment coordination, quote follow-up, customer support, service-related updates, and other communications related to your request.

Promotional messages may include special offers, discounts, event promotions, service announcements, and other marketing communications related to Cardinal Senior Benefits LLC’s services.

Opt-In & Consent:
• You will only receive SMS messages if you have explicitly opted in.
• We maintain records of opt-in actions, including consent selections and timestamps where available.
• Promotional SMS messages are only sent when you have specifically consented to receive promotional text messages.
• Consent to receive promotional SMS messages is not required as a condition of purchase or service.
• We comply with applicable SMS, TCPA, and carrier messaging requirements.

Opt-Out Instructions:
• You may cancel SMS communications at any time by replying STOP.
• After replying STOP, you may receive a final confirmation message confirming that you have been unsubscribed.
• After opting out, no further SMS messages will be sent unless you re-opt in.
• Opt-out requests are processed promptly.

Message Frequency & Content:
• Message frequency varies based on your interactions with Cardinal Senior Benefits LLC and the type of messages you consented to receive.
• Informational/customer-care messages are related to your inquiries, appointments, quotes, customer support, or service-related requests.
• Promotional messages are only sent if you specifically opted in to receive promotional SMS communications.

Help & Support:
• Reply HELP for assistance.
• You may also contact us at agency@cardinalsb.com or 855-933-0835.
• Customer support is available during regular business hours.

Carrier Information:
• Message and data rates may apply.
• Carriers are not liable for delayed or undelivered messages.
• Message delivery may depend on your mobile carrier, service availability, and network conditions.

SMS Data Protection Statement:
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service or message delivery, is permitted only as needed to provide services on our behalf. All categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties for their own marketing or promotional purposes.

We implement reasonable data protection measures to safeguard SMS opt-in information, mobile phone numbers, and consent records.

  1. Information Sharing & Disclosure

We do not sell, rent, or trade personal information.

We may share limited information only as necessary for the following purposes:

Service Providers:
• With vendors who help us operate our business, such as website hosting, customer support, appointment scheduling, payment processing, analytics, and communication services.
• With SMS service providers, aggregators, and carriers solely for the purpose of delivering text messages that you have consented to receive.
• Service providers are only permitted to use information as needed to provide services on our behalf and are expected to maintain appropriate confidentiality and security protections.

Legal Compliance:
• If required by law, regulation, legal process, or court order.
• To respond to valid law enforcement or regulatory requests.
• To protect our rights, property, customers, business operations, or the safety of others.

Business Transfers:
• In connection with a merger, acquisition, restructuring, financing, or sale of business assets.
• In such cases, personal information remains subject to the protections described in this Privacy Policy unless otherwise disclosed.

Text messaging originator opt-in data and consent are excluded from sharing for marketing or promotional purposes. Mobile information, SMS opt-in data, and consent records will not be shared with third parties or affiliates for their own marketing or promotional purposes.

  1. Data Security

We implement and maintain reasonable security measures designed to protect personal information, including:

• Secure access controls and authentication safeguards
• Protection of sensitive data during transmission where appropriate
• Internal limits on access to personal information
• Employee or contractor confidentiality expectations
• Security monitoring and maintenance where applicable
• Backup and recovery procedures where appropriate

Although we use reasonable safeguards, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee absolute security, but we take reasonable steps to protect the information we collect.

  1. Cookies & Tracking Technologies

We may use cookies and similar technologies to:

• Analyze website traffic and user behavior
• Remember user preferences
• Improve website functionality and user experience
• Measure the effectiveness of our website and services
• Support security and fraud prevention

You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of the website.

  1. Your Rights & Choices

Depending on applicable law, you may have the right to:

• Access, update, or request deletion of your personal information
• Correct inaccurate personal information
• Opt out of marketing emails by using the unsubscribe link in the email
• Opt out of SMS messages by replying STOP
• Request information about how we process your data
• Withdraw consent for future communications

To exercise these rights, please contact us using the information listed in Section 10.

  1. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.

This Privacy Policy applies only to information collected by Cardinal Senior Benefits LLC through our website, services, and direct communications.

  1. Changes to This Privacy Policy

We may update this Privacy Policy periodically. The latest version will be posted on our website with the effective date listed above. If we make material changes, we may provide notice through our website, email, or other appropriate communication method.

  1. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact us at:

Cardinal Senior Benefits LLC
Phone: 855-933-0835
Email: agency@cardinalsb.com
Website: https://cardinalsb.com

By using our website and services, you acknowledge this Privacy Policy.