Privacy Policy

1. Introduction

Magic Media Group LLC ("Senior Health Times," "we," "us," or "our") operates the website located at https://seniorhealthtimes.com (the "Site"). This Privacy Policy describes how we collect, use, disclose, and safeguard information obtained from visitors to the Site ("Users," "you," or "your"). Please read this Policy carefully. By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.

For additional privacy rights, CCPA opt-out requests, and data subject requests applicable to other Magic Media Group LLC properties, please visit our parent privacy portal at InsuranceHelpGuru.com/privacy.

2. Information We Collect

2.1 Information You Provide

When you interact with forms, surveys, or lead-generation widgets embedded on the Site (including, without limitation, any form provided by Vector by OPG or similar third-party technology partners), you may voluntarily submit personally identifiable information ("PII") including but not limited to: your name, postal address, email address, telephone number, date of birth, and health insurance preferences.

You are not required to submit any PII to access editorial content on the Site. Submission of information through embedded forms is entirely voluntary and subject to the terms disclosed at the time of submission.

2.2 Automatically Collected Information

We and our third-party service providers automatically collect certain technical and usage data when you visit the Site, including:

• Internet Protocol (IP) address and approximate geographic location
• Browser type, version, and operating system
• Pages viewed, time on page, referring URL, and navigation path
• Device identifiers, screen resolution, and language settings
• Cookie identifiers and similar tracking technologies (see Section 6)

3. How We Use Your Information

We use collected information for the following purposes:

• To operate, maintain, and improve the Site and its editorial content
• To analyze aggregate usage and traffic patterns
• To detect, prevent, and address technical issues, fraud, and security incidents
• To comply with applicable legal obligations
• To communicate with you in response to inquiries you initiate

Information submitted through third-party embedded forms on the Site is processed in accordance with the privacy practices of those third parties (see Section 4). We do not directly process or store form-submission data collected by third-party widgets unless separately disclosed.

4. Third-Party Partners and Data Monetization

Senior Health Times does not sell your personal information as that term is defined under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), or analogous state privacy laws.

However, the Site integrates third-party technologies — including but not limited to lead-generation platforms, advertising networks, analytics providers, and content delivery partners — that independently operate under their own privacy policies. These third parties may collect, retain, and monetize data derived from your interactions with their widgets or scripts embedded on the Site, in accordance with any consent or authorization you provide at the point of submission. Senior Health Times does not control, and is not responsible for, the data practices of such third parties.

Third-party partners currently operating on the Site may include, without limitation:

• Lead generation and insurance comparison platforms — may receive submitted PII for the purpose of connecting you with licensed insurance agents or carriers
• Analytics providers — may collect pseudonymous usage data for Site performance measurement
• Content delivery networks (CDN) — may log access metadata for performance optimization
• Image hosting providers (e.g., Pexels) — may receive referrer and IP data when serving licensed imagery

We encourage you to review the privacy policies of any third-party services with which you interact. By submitting information through a third-party form on the Site, you acknowledge that the third party's privacy policy governs the use of that information.

5. Disclosure of Information

We may disclose information about you in the following circumstances:

• Service Providers: To vendors and contractors who assist in Site operations, subject to confidentiality obligations
• Legal Compliance: When required by law, court order, or governmental authority
• Business Transfers: In connection with a merger, acquisition, or sale of substantially all assets
• Protection of Rights: To protect the rights, property, or safety of Magic Media Group LLC, our users, or others
• Consent: With your explicit prior consent

We do not rent, sell, or trade your email address or personal information collected directly by Senior Health Times to unaffiliated third parties for their independent marketing purposes without your consent.

6. Cookies and Tracking Technologies

The Site may use cookies, web beacons, pixel tags, and similar tracking technologies to enhance functionality and analyze Site usage. You may configure your browser to refuse all or some cookies; however, certain features of the Site may not function properly without cookies. Third-party scripts embedded on the Site may independently set cookies governed by their respective privacy policies.

7. Data Retention

We retain automatically collected technical and usage data for no longer than necessary to fulfill the purposes described in this Policy, typically not exceeding twenty-four (24) months. Information submitted through third-party forms is retained according to the data retention policies of the applicable third party.

8. Children's Privacy

The Site is not directed to individuals under the age of eighteen (18). We do not knowingly collect PII from minors. If we become aware that a minor has submitted PII to the Site, we will take steps to delete such information promptly.

9. California Privacy Rights (CCPA/CPRA)

California residents may have rights under the CCPA/CPRA, including the right to know, the right to delete, the right to correct, the right to opt out of the sale or sharing of personal information, and the right to non-discrimination for exercising these rights. As stated above, Senior Health Times does not sell personal information. To submit a verifiable consumer request regarding your rights, or to opt out of data practices by Magic Media Group LLC across its portfolio of properties, please visit:

https://insurancehelpguru.com/privacy/

Alternatively, you may contact us directly at support@insurancehelpguru.com.

10. Nevada, Virginia, Colorado, and Other State Privacy Rights

Residents of Nevada, Virginia, Colorado, Connecticut, Utah, and other states with applicable comprehensive consumer privacy laws may have rights similar to those described in Section 9 above. To exercise applicable rights, please contact us using the information provided in Section 14 or visit InsuranceHelpGuru.com/privacy.

11. International Users

The Site is operated in the United States. If you access the Site from outside the United States, your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your jurisdiction. By using the Site, you consent to such transfer.

12. Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect information in our possession from unauthorized access, disclosure, alteration, or destruction. No method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

13. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time. Changes will be effective immediately upon posting to the Site with a revised effective date. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.

14. Contact Us

If you have questions or concerns regarding this Privacy Policy, please contact us at: