Privacy Policy

Privacy Policy

Effective Date: January 1, 2025  |  Last Updated: October 19, 2026

1. Who We Are

Total Lifetime Care Insurance Group, Ltd. ("Total Lifetime Care," "we," "us," or "our") is an independent insurance agency licensed to provide Medicare-related insurance guidance and enrollment services. Our principal contact is Richard A. Schlue, Founder & CEO. You may reach us at info@totallifetime.care or 1-800-658-0657.

2. Information We Collect

We may collect the following categories of information when you interact with our website, contact us directly, or enroll in a plan through our services:

• Contact Information: Name, phone number, email address, mailing address
• Health and Coverage Information: Medicare ID, date of birth, current insurance coverage, prescription medications, healthcare providers
• Financial Information: Income information relevant to plan eligibility (if applicable)
• Technical Information: IP address, browser type, device information, and website usage data collected via cookies and analytics tools
• Communication Records: Records of phone consultations, emails, and form submissions

3. How We Use Your Information

We use the information we collect to:

• Provide Medicare insurance guidance and enrollment assistance
• Communicate with you about your coverage options and annual review opportunities
• Comply with CMS and state insurance regulatory requirements
• Maintain compliance records as required by law
• Improve our website and service quality

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

4. Information Sharing

We may share your information in the following limited circumstances:

• Insurance Carriers: Information necessary to obtain quotes or complete enrollment in a plan you have chosen
• Service Providers: Third-party technology providers (such as CRM and scheduling platforms) that process information on our behalf to help us deliver our services
• Legal Requirements: When required by law, court order, or regulatory authority
• Business Transfers: In the event of a sale or transfer of business assets, subject to confidentiality protections

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to analyze website traffic and improve user experience. You may adjust your browser settings to refuse cookies, though some site features may be affected. We use Google Analytics or similar tools to understand aggregate usage patterns — this data does not identify individual visitors.

6. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no internet transmission or data storage system is completely secure. We encourage you to contact us promptly if you have reason to believe your information may have been compromised.

7. Data Retention

We retain client records for a minimum of 10 years as required by CMS Medicare compliance standards and applicable state insurance regulations. Other information is retained as long as necessary to provide services or comply with legal obligations.

Data Collection Statement

This website may collect personally identifiable information when voluntarily submitted by a visitor through forms or scheduling tools. Information collected is used solely for the purpose of responding to inquiries or assisting with Medicare plan selection.

Calendar Connections and Scheduling

Licensed insurance professionals who work with Total Lifetime can connect a Google or Microsoft calendar to our scheduling system so clients can book appointments with them. Other calendar types are not currently supported. These connections run through our scheduling provider, Nylas.

What we access: the professional chooses to connect and approves a permission screen from Google or Microsoft. Those providers offer calendar access only as a single read-and-write permission, so the screen will say we can view and edit calendars. We request calendar access only: no email, contacts, or documents. We use that permission only to (a) see the list of calendars and when the professional is busy or free, and (b) create, change, cancel, and look up the appointment events our scheduling system created. We do not read or store the titles or details of other events on the calendar, and we do not change or delete events we did not create.

What we put on the calendar: appointment events carry a generic title (for example, "Client appointment" and the type of appointment), a short fixed description with a booking reference number, and a location label (such as phone, video, or an office address; for a visit at a client's home, only a note to open the details in our portal). We do not put client names, health, plan, medication or Medicare details, or client home addresses in calendar events.

What we store: for each connection, the calendar account's email address, the provider, the permission granted, the connection date and status. For each appointment, its booking and calendar-event IDs, start and end times, appointment type, location type, and status. Contact details a client enters when booking are handled as described in Sections 2 and 3. Booking records are kept only as long as needed to run and audit scheduling and to meet the retention rules in Section 7. Nylas holds the connection credentials needed to relay our requests.

How we share it: we do not sell calendar data. Nylas, our scheduling technology provider, handles it on our behalf to run the calendar connection. We use Google user data only to provide the scheduling features described here. We do not use it for advertising, and we do not allow people to read it except as needed for security, to comply with law, or with the user's consent.

Disconnecting and deleting: a professional can end the connection at any time in their own account: for Google, in the Google Account's settings for third-party apps and services with account access; for Microsoft, in the Microsoft account's page for apps and services that have been given access (for a work or school account, through the organization's account page or administrator). Events already created stay on the calendar. You can also ask us to disconnect the calendar and delete the connection record by emailing info@totallifetime.care; we will remove the connection from our scheduling provider, and for Microsoft calendars we recommend also removing access in your Microsoft account so the permission is fully withdrawn. Deletion of booking records is subject to the legal retention rules in Section 7.

Google API Services User Data Policy: Total Lifetime's use and transfer of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

8. Your Rights

Depending on your state of residence, you may have rights to access, correct, or request deletion of your personal information. To exercise these rights, contact us at info@totallifetime.care.

9. Children's Privacy

Our services are intended for adults — Medicare-eligible individuals, which includes people under 65 who qualify due to disability or certain medical conditions, as well as independent insurance agents and agencies. We do not knowingly collect personal information from individuals under 18 years of age.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our services after such changes constitutes acceptance of the revised policy.

11. Contact Us

For privacy questions or to exercise your rights: info@totallifetime.care  |  1-800-658-0657