Privacy Policy

Last updated: September 18, 2026

This Privacy Policy explains how Curbelo Healthcare LLC, doing business as Curbello Health Consultant ("we," "us," or "our"), collects, uses, and protects your information when you visit curbellohealthconsultant.com, chat with us, or communicate with us by phone, text message, or email.

Information we collect

We collect information you choose to give us, such as your name, phone number, email address, date of birth, ZIP code, the Medicare plan you have, and the questions you ask us. We may also collect basic technical information automatically, such as your browser type and the pages you visit.

How we use your information

To respond to your questions and schedule consultations you request
To contact you by phone, text message, or email about the insurance topics you asked about
To send appointment reminders and follow-ups
To meet our legal, licensing, and recordkeeping obligations, including Medicare marketing rules

Text messaging (SMS)

If you give us your phone number and agree to receive text messages, we will use your number to text you about your inquiry, appointments, and insurance information. Message frequency varies. Message and data rates may apply. Reply STOP at any time to opt out, or HELP for help. Consent to receive texts is not a condition of any purchase. See our SMS Terms for details.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are excluded from all information sharing described in this policy and will not be shared with or sold to any third party.

How we share information

We do not sell your personal information. We share it only when needed to serve you or when required by law. For example:

With an insurance carrier, but only when you ask us to help you apply for or enroll in one of its plans
With service providers that help us run our business (such as our phone, texting, scheduling, and email tools), who may use it only to provide those services to us
When required by law, regulation, subpoena, or a government or regulatory agency such as CMS

The text messaging exclusion above applies to all of these situations.

Call recording

As required by Medicare marketing rules, sales and enrollment calls may be recorded and kept on file. We will tell you at the start of a call if it is being recorded.

How we protect and keep your information

We use reasonable administrative, technical, and physical safeguards to protect your information. We keep records for as long as needed to serve you and to meet legal and regulatory recordkeeping requirements.

Your choices

Reply STOP to any text to stop text messages.
Ask us to stop calling or emailing you at any time.
Ask to see, correct, or delete the information we hold about you, subject to legal recordkeeping requirements.

Children

Our website and services are not directed to children under 13, and we do not knowingly collect their information.

Changes to this policy

We may update this policy from time to time. The "Last updated" date above shows when it was last changed.

Contact us

Curbelo Healthcare LLC (Curbello Health Consultant)
Phone: 561-332-2043
Email: joshuag@curbellohealthconsultant.com