Privacy Policy

Effective Date: February 2026

Century Benefits ("Century Benefits," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website, contact us by phone or text message, or otherwise interact with our services.

1. Information We Collect

We collect information that you provide to us directly and information that is generated automatically when you use our website or services. This may include:

• Contact information such as your name, mailing address, email address, and telephone number.
• Eligibility and plan information such as date of birth, Medicare eligibility status, ZIP code, and plan preferences provided so we can identify and present suitable Medicare, Medicare Advantage, Medicare Supplement, or Part D options.
• Communication records including the content of inquiries you submit through our website, recordings or transcripts of phone calls (where permitted by law and disclosed at the time of the call), and SMS messages exchanged with us.
• Mobile phone numbers and SMS consent records including the date, time, and method by which you provided consent to receive calls or text messages.
• Website usage information such as IP address, browser type, pages viewed, and referring URLs, collected through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect for purposes including:

• Responding to your inquiries and providing information about Medicare and related insurance products.
• Helping you compare, select, and enroll in Medicare Advantage, Medicare Supplement, Part D, and other insurance plans.
• Contacting you by phone or text message about plan information, appointment scheduling, enrollment follow-up, and customer service — only after you have provided consent.
• Maintaining records required by law, by carriers we are appointed with, and by the Centers for Medicare & Medicaid Services (CMS).
• Improving our website, services, and customer experience.
• Detecting, preventing, and responding to fraud, abuse, or security incidents.

3. How We Share Information

We share personal information only as needed to provide our services and as required by law. The categories of recipients are limited to:

• Insurance carriers with whom we are licensed and appointed, when you ask us to submit an application or enroll you in a plan.
• Service providers that perform functions on our behalf under written contracts requiring them to safeguard your information and use it only for the services they provide to us (for example, customer relationship management, telephony, messaging delivery, hosting, and analytics).
• Government agencies and regulators when required by law, subpoena, court order, or other legal process, including CMS and state departments of insurance.

As stated above, we do not sell or share your mobile phone number, SMS opt-in data, or SMS consent with third parties or affiliates for their marketing or promotional purposes.

4. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to recognize your browser, remember your preferences, and understand how visitors use the site. You can set your browser to refuse cookies or to alert you when cookies are being sent; however, some portions of the site may not function properly without them.

5. Data Retention

We retain personal information for as long as needed to provide you with our services, to comply with our legal, regulatory, and contractual obligations (including recordkeeping requirements imposed by CMS and insurance carriers), and to resolve disputes. Records of SMS consent and opt-out requests are retained for the period required by applicable law and by carrier compliance guidelines.

6. Your Rights and Choices

Depending on your state of residence, you may have rights with respect to your personal information, including:

• The right to request access to the personal information we hold about you.
• The right to request correction of inaccurate personal information.
• The right to request deletion of personal information, subject to legal and contractual recordkeeping requirements.
• The right to opt out of marketing communications at any time. You may opt out of SMS messages by replying STOP to any message you receive from us, and you may opt out of phone calls by telling the agent during a call or by contacting us using the information below.

To exercise any of these rights, contact us using the information in the "Contact Us" section below. We may need to verify your identity before fulfilling certain requests.

7. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against loss, misuse, unauthorized access, disclosure, alteration, and destruction. No method of transmission over the Internet or method of electronic storage is fully secure, however, so we cannot guarantee absolute security.

8. Children's Privacy

Our services are directed to adults eligible for Medicare and other insurance products. We do not knowingly collect personal information from children under the age of 13. If you believe a child has provided us with personal information, please contact us and we will take appropriate steps to delete it.

9. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies before providing any personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. Material changes will be communicated through our website or other appropriate means.

11. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us at:

Century Benefits
2110 SW Jefferson St
Portland, OR 97201
Phone: (866) 530-7743
Email: contact@centurybenefits.com