Privacy Policy and SMS Messaging TermsPrivacy Policy and SMS Messaging Terms

Effective Date: August 25, 2026

Cahaba Brokers, LLC, doing business as Medicare Advisors of Alabama (“Medicare Advisors of Alabama,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you provide to us.

Information We Collect

We may collect information that you voluntarily provide when you:

• Contact us by telephone, email, text message, website form, or in person;
• Request information about insurance coverage;
• Schedule an appointment;
• Ask us to compare insurance plans;
• Apply for or enroll in an insurance plan; or
• Ask us to assist with an existing insurance policy.

This information may include your name, mailing address, telephone number, email address, date of birth, Medicare information, insurance information, health information, prescription drug information, and other information reasonably necessary to evaluate, apply for, enroll in, or service insurance coverage.

Our website may also collect limited technical information, such as your browser type, device type, IP address, pages visited, and information collected through cookies or similar technologies.

How We Use Your Information

We use personal information only for legitimate business and client-service purposes, including:

• Responding to your questions and requests;
• Scheduling and confirming appointments;
• Providing requested insurance information;
• Comparing insurance plans and benefits;
• Preparing and submitting insurance applications;
• Assisting with enrollment, renewals, and policy servicing;
• Communicating information related to your insurance request or coverage;
• Maintaining required business and compliance records;
• Improving our website and client services; and
• Complying with applicable laws, regulations, and insurance-carrier requirements.

We will not use your personal information to solicit you for unrelated products or services. We may contact you about an insurance request you made, an appointment, an application, a policy we are helping you service, a requested plan comparison, or a change that may affect your existing coverage.

We Do Not Sell or Share Personal Information for Marketing

Cahaba Brokers, LLC and Medicare Advisors of Alabama do not sell, rent, trade, or share personal information with third parties or affiliates for their own marketing, advertising, lead generation, or promotional purposes.

This commitment specifically applies to mobile information and SMS messaging data:

We do not sell or share mobile telephone numbers, SMS opt-in information, text-message consent records, or text-message originator data with third parties or affiliates for marketing, advertising, lead generation, or promotional purposes.

Mobile information and SMS consent will be used only by Medicare Advisors of Alabama and service providers acting on our behalf to deliver and support the text-message communications to which the individual has consented. Those service providers are not authorized by us to use this information for their own marketing or promotional purposes.

Limited Disclosures Necessary to Provide Services

We may disclose personal information when reasonably necessary to provide a service you request or to operate our business. Recipients may include:

• Insurance companies, health plans, and their authorized representatives;
• Government agencies involved in Medicare or insurance enrollment;
• Licensed agents and authorized employees assisting with your request;
• Communications, technology, data-storage, compliance, security, and administrative service providers acting on our behalf; and
• Government authorities or other parties when disclosure is required or permitted by law.

These disclosures are limited to legitimate insurance, enrollment, administrative, technical, legal, or client-service purposes. They do not authorize the recipient to use your personal information, mobile number, or SMS consent for its own marketing, lead generation, or solicitation.

SMS Messaging Program

Medicare Advisors of Alabama may send text messages only to individuals who have provided appropriate consent or who initiate a text-message conversation with us.

Text messages may include:

• Responses to questions or requests;
• Appointment scheduling, confirmations, and reminders;
• Requested insurance-plan information;
• Follow-up information requested during a telephone call or meeting;
• Insurance application or enrollment status updates;
• Requests for information needed to complete or service an application;
• Policy-service communications; and
• Other communications directly related to the individual’s relationship with Medicare Advisors of Alabama.

We do not use our SMS program to send unsolicited third-party advertising or to promote unrelated products or services.

SMS Consent

You may consent to receive text messages by:

• Selecting an unchecked SMS consent box on one of our website forms;
• Providing written consent on a paper or electronic form;
• Providing verbal consent during a recorded or documented telephone or in-person conversation;
• Sending an inbound text message to one of our published business telephone numbers; or
• Responding affirmatively to an SMS opt-in request.

By opting in, you authorize Cahaba Brokers, LLC, doing business as Medicare Advisors of Alabama, to send you text messages at the mobile number you provided for the purposes described above.

Consent to receive text messages is not a condition of purchasing insurance or receiving services from us.

Message Frequency and Charges

Message frequency varies depending on your requests, appointments, application status, and insurance-service needs.

Message and data rates may apply according to your mobile carrier and service plan. Medicare Advisors of Alabama does not charge a separate fee for sending or receiving text messages.

Delivery of text messages is subject to the availability and reliability of wireless-carrier networks. We are not responsible for delayed or undelivered messages caused by a mobile carrier or other circumstances outside our control.

SMS Opt-Out Instructions

You may withdraw your consent and stop receiving text messages at any time by replying STOP to a message from us.

You may also use other commonly recognized opt-out words, including CANCEL, END, QUIT, UNSUBSCRIBE, or REVOKE.

After an opt-out request is received, we may send one final confirmation message. We will then stop sending text messages to that mobile number unless you later provide new consent.

An SMS opt-out applies to text-message communications. It does not prevent us from communicating with you by another permitted method when necessary to respond to your request, provide insurance services, or comply with legal or regulatory obligations.