Agent Website Privacy Policy

This Privacy Policy explains how Full Financial Services, Inc., doing business as John Gerard Riker (“we,” “us,” or “our”), collects, uses, and protects information obtained through this website.

This Policy applies only to information collected through this general website. A separate notice or authorization may apply if you later use a secure insurance application, enrollment, Scope of Appointment, annual-review, Medicare-data, or other specialized service.

1. Information We Collect

Information You Provide

When you submit a contact or appointment request, we may collect:

• Your name;
• Email address;
• Telephone number;
• ZIP code or general service area;
• Preferred method or time of contact;
• The type of insurance assistance you are seeking;
• Appointment preferences;
• A question or message you submit; and
• Any communication preferences you select.

Providing this information is voluntary. We may be unable to respond if you do not provide a way to contact you.

Information Collected Automatically

When you visit the website, certain technical information may be collected, including:

• Internet Protocol address;
• Browser and device type;
• Operating system;
• Pages viewed and referring page;
• Date and time of access;
• General geographic area derived from an Internet Protocol address;
• Website errors, security events, and spam-prevention information; and
• Necessary cookie, session, and website-performance information.

2. Do Not Submit Sensitive Information

The general contact form is intended only to help you contact the agent identified on this website. Please do not submit:

• A Social Security number;
• A Medicare Beneficiary Identifier or photograph of a Medicare card;
• A driver’s-license or passport number;
• Medical records, diagnoses, medications, doctors, or treatment information;
• Bank-account, credit-card, or other financial information;
• Tax, income, citizenship, or immigration information; or
• Insurance application or enrollment credentials.

Submitting the general contact form is not an insurance application, enrollment request, Scope of Appointment, authorization to access Medicare data, or authorization to obtain medical information. If additional information is needed, the agent will direct you to an appropriate secure process.

3. How We Use Information

We may use information collected through this website to:

• Respond to your question or request;
• Contact you using the method you selected;
• Schedule or administer an appointment;
• Provide the insurance information or assistance you requested;
• Operate, maintain, and secure the website;
• Prevent spam, fraud, misuse, or unauthorized activity;
• Troubleshoot delivery or technical problems;
• Measure and improve general website performance;
• Maintain appropriate business, communication, and compliance records;
• Respond to privacy requests, complaints, legal process, or governmental inquiries; and
• Protect our rights and the rights and safety of others.

We do not use a website inquiry to market unrelated products or services unless you separately request or authorize those communications.

4. Health-Coverage Interest Information

The page you visit or the topic you select may indicate that you are interested in Medicare, Medicare Supplement, Medicare Advantage, prescription-drug coverage, Marketplace or ACA coverage, or another health-insurance subject.

We use this information only to:

• Understand the assistance you are requesting;
• Respond to your request;
• Operate and secure the website;
• Maintain appropriate records of the request; and
• Comply with applicable requirements.

We do not sell this information, use it for cross-site behavioral advertising, or use it to create an unrelated health profile about you.

5. How Information May Be Disclosed

Service Providers

We use service providers that support website hosting and maintenance, secure data storage, contact-request management, email and telephone delivery, security and spam prevention, technical support, and website performance measurement. These providers may process information only as reasonably necessary to perform their services, subject to applicable contractual restrictions.

At Your Direction

We may disclose information when you ask or authorize us to do so, such as when you request assistance involving an insurance carrier, Marketplace, government program, agency, or another specifically identified party. Additional notices or authorizations may apply before that disclosure occurs.

Legal and Safety Purposes

We may disclose information when reasonably necessary to:

• Comply with applicable law, legal process, or a court or governmental order;
• Investigate suspected fraud, misuse, or security incidents;
• Protect the rights, property, safety, and security of consumers or others; or
• Establish, exercise, or defend a legal claim.

Business Changes

Information may be transferred as part of a merger, sale, reorganization, financing, or transfer of all or part of the insurance business, subject to applicable privacy obligations.

6. No Sale or Lead Distribution

We do not:

• Sell or rent personal information submitted through this website;
• Sell or distribute your request as a lead;
• Send your request to unrelated insurance agents;
• Place your contact information in a third-party advertising audience; or
• Share personal information for cross-context behavioral advertising.

Your request is directed to the agent identified on this website.

7. Communications

Submitting a contact form asks us to respond to your request using the contact information you provide. You may ask us to stop communications at any time by telling the agent during a call, replying STOP to a text message where that option is available, using an unsubscribe link in an email, or contacting us below.

Consent to receive marketing communications is not a condition of purchasing or enrolling in an insurance product. Where legally required, consent for automated calls, prerecorded or artificial-voice calls, recurring marketing texts, or other regulated communications will be requested separately.

8. Cookies, Analytics, and Tracking

We may use cookies and similar technologies reasonably necessary to:

• Operate website forms and features;
• Maintain website security;
• Prevent spam and abuse;
• Remember limited preferences; and
• Understand general website traffic and performance.

We do not use information collected through this website for cross-site behavioral advertising. We do not respond differently to browser “Do Not Track” signals because the website is not used to track visitors over time across unrelated websites for behavioral advertising. We will recognize legally required universal opt-out signals where applicable.

Third-party features, such as an embedded map, video, calendar, or scheduling service, may collect information when you use them. Those services are governed by their own privacy policies.

9. Retention

We retain information for as long as reasonably necessary to:

• Respond to and administer your request;
• Maintain appropriate business and compliance records;
• Document communication preferences or consent where necessary;
• Prevent fraud and maintain security;
• Resolve complaints or disputes;
• Comply with applicable legal, regulatory, carrier, agency, or contractual requirements; and
• Establish, exercise, or defend legal claims.

Information that is no longer reasonably needed is deleted, deidentified, or securely disposed of, subject to backup, legal-hold, and recordkeeping requirements.

10. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No website, storage system, or method of Internet transmission can be guaranteed completely secure. Please do not submit sensitive medical, financial, identification, or application information through the general contact form.

11. Your Privacy Choices

Depending on where you live and the law that applies, you may have the right to ask us to:

• Confirm whether we maintain personal information about you;
• Provide access to information we maintain;
• Correct inaccurate information;
• Delete information;
• Explain the categories of parties to whom information was disclosed;
• Stop certain communications;
• Withdraw consent for future processing where consent is the basis for processing; or
• Appeal a decision concerning a privacy request.

We may need to verify your identity before completing a request. We will not discriminate against you for exercising a privacy right. If we deny a request and applicable law gives you a right to appeal, you may appeal by replying to our decision and stating that you are requesting an appeal.

12. Children

This website is intended for adults seeking insurance information for themselves or someone they are legally authorized to assist. It is not directed to children under thirteen, and we do not knowingly solicit personal information directly from children under thirteen through the general contact form.

13. Third-Party Websites

This website may contain links to insurance carriers, Medicare, HealthCare.gov, a state Marketplace, government agencies, maps, scheduling services, or other third-party websites. We do not control those websites. Information you provide directly to a third party is governed by that party’s privacy policy and terms.

14. Website Technology Provider

Full Financial Services, Inc. uses Ardor Service, LLC d/b/a Informed + Choice to provide website hosting, contact-request processing, security, and related technology. The technology provider is not the insurance agent or agency identified on this website, does not provide insurance advice through this website, does not sell website inquiries, and does not use them for its own insurance marketing.

15. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in the website, our practices, or applicable requirements. The Effective Date at the top identifies the current version. Material changes will be communicated as required by applicable law.

16. Contact Us

Questions about this Policy or information submitted through this website may be directed to:

Questions specifically concerning website technology may be directed to Ardor Service, LLC d/b/a Informed + Choice at support@informedpluschoice.com.

Read the Website Terms of Use