Privacy Notice

This Privacy Policy describes how Long Term Care Solutions, Inc., and Long Term Care Insurance Services (collectively “LTC Solutions” or “we” or “our” or “us”) treats certain information collected or provided in connection with an end user’s (“you” or “your” or “user”) use of LTC Solutions’ websites, www.ltc-solutions.com, www.caresourcesolutions.com, www.myltcguide.com, and any other website, social media pages, apps, or other digital medium owned or operated by LTC Solutions (collectively, the “Site”). This Privacy Policy also applies to any Personal Information (defined below) collected, stored, or used by us, such as information you provide us through the above media, by email, mail, or telephonic communications in connection with our Site and any and all products or services provided to you by LTC Solutions (“Services”).

The information provided in this Privacy Policy is designed to inform you of what information we collect, why we collect such information, how we use the information we collect, and the choices we offer, including how to access and update information. By accessing or using our Site, you acknowledge and consent to the Terms and Conditions and this Privacy Policy, including our collection, use, and disclosure of your Personal Information, as described below. This Privacy Policy is not a contract and does not create any legal rights.

Please read this Privacy Policy carefully.

Our Collection and Use of Personal Information

“Personal Information” is typically understood to mean any information that can be used to identify you, but may be more narrowly defined by applicable law or statute. This Privacy Policy does not cover data we, or our authorized third-party vendors or partners, collect lawfully, information that does not or cannot be used to identify a particular individual, or to deidentified, aggregate, or pseudonymous data.

We get most Personal Information directly from you, through the Site, or from transactions with you in connection with our Services. We might also obtain Personal Information about you from other Site users or other entities with whom we have contact. For example, we may obtain information through public records, or transactions you have with our authorized third-party vendors or partners, some of which may be deemed Personal Information. If you are sharing information with us about any other individual, you must obtain their consent.

The categories of Personal Information we may collect from you, and/or your spouse, and/or your family member(s) include:

  • Name, phone number (work and personal), email address (work and personal), mailing address (work and personal), social security number, birthplace, gender, date of birth, marital status, spouse’s gender, employer, employee ID number, date of hire, job title, height, weight, health questions including medical history, previous diagnoses and medical treatments, primary care physician’s contact information, medication usage and history, tobacco usage, beneficiary contact information, coverage applied for including additional riders and premium amount.
  • Information you provide when interacting with the Site, including transaction data and communications (including email, direct messages, and phone conversations).
  • Website analytics information, including when, how often, and for how long you use the Site; information related to your geographic location; the content you submit and view; the name of the domain and host from which you access the Internet; the browser and operating system used; URLs requested or referred; response status codes; and the IP address of the computer or device you are using.

We collect Personal Information to help identify you; to perform contractual obligations, including our Services and/or processing and fulfillment of orders; to communicate with you; to properly administer our Site and to maintain records; to research and analyze the use of our Site and Services so we can improve our Services; to detect and prevent fraud; to exercise and defend legal claims; to comply with legal obligations; and for other purposes as described in this Privacy Policy. Protected classification characteristics such as age and gender may be revealed in identity data or other information we collect and subsequently stored in our systems.

We may collect and maintain Personal Information about you to create a personal profile containing preferences and other information that you voluntarily provide to us. This information is used for improved functionality of and your interaction with our Services and not for third-party commercial advertising purposes. Examples of the types of information we may collect for this purpose include your first and last name, a valid email address, and geographic location or address. Additionally, we may use your email address to send confirmation of your interaction with our Services and, if necessary, to contact you to help process Services requested. We may also use your email address to notify you about special offers, promotions, upcoming events, or matters that may be of interest to you.

You can choose not to provide certain information to us but it may delay or prevent us from providing our Services to you, including your ability to fully access our Site, participate in our Services, receive our newsletters, or similar features.

We may also automatically receive and store certain types of Personal Information whenever you visit the Site, such as information from Google Analytics (see https://policies.google.com/privacy) on when, how often, and for how long you use the Site, information related to your geographic location, and the content you submit and view. This information may include the name of the domain and host from which you access the Internet and the IP address of the computer or device you are using. We may log and use your IP address to administer the Site, to help diagnose problems with our server, to analyze trends, to track users’ webpage movements, to help identify you and/or verify your use, and to gather broad demographic information for aggregate use. We may use standard tools, such as scripts or web beacons, to monitor the Site and Internet usage and to improve or customize the content on the Site or provided via our Services. You should be able to control the use of these tools with respect to your own devices by changing your own browser settings.

Our web servers may collect log data, which provides aggregate and/or non-aggregate information about the number of visits to different pages on the Site. We may use such log data to improve access to the Site based on visitors’ web browsers and operating system types to make the Site available to as many users as possible. We do not link the log data collected to Personal Information except as necessary to provide and/or manage our Services. Third party providers may also collect log data independently from us.

Our Usage of Cookies

What are cookies?

Cookies are small data files stored on your browser or device, which can be in the form of session cookies (which expire once you close your web browser) or persistent cookies (which stay on your browser for a set period of time or until you delete them). They generally contain information such as website preferences, user settings, and browsing history. This information helps us recognize you as you interact with or revisit our Services.

Cookies may be served by the entity that operates the website you are visiting (“first-party cookies”) or by other companies (“third-party cookies”). Other technologies function similarly to cookies, including web beacons (also called pixels), which are small images on a web page or in an email. Web beacons collect information about your browser or device and can set cookies. In addition, some sites use local storage, which allows data to be stored locally on your browser or device.

How do we use cookies?

At this time, we do not use cookies or pixels on our Site.

Categories of Personal Information Disclosed or Sold

We do not sell Personal Information to any third parties. We do not knowingly collect or sell Personal Information of consumers under the age of thirteen (13). In the preceding twelve (12) months, we did not sell any categories of Personal Information.

In order to conduct our business and better serve you, we may disclose Personal Information and other information about you or your activities on our Site or while using our Services with:

  • Our affiliates.
  • Our service providers and vendors, such as compliance providers, website hosts, analytics providers, legal counsel, and various customer, technology, and operational support.
  • Third parties approved by you, such as insurance carriers and your employer.
  • Financial and legal institutions.
  • Law enforcement agencies, regulatory bodies, courts, or other public authorities, to comply with our legal and regulatory obligations, to respond to requests from governmental authorities, to protect our rights, to defend against legal claims, or as otherwise required by law.
  • Actual or potential buyers (and their agents and advisors) of all or part of our organization in connection with any actual or proposed purchase, merger, acquisition, financing, reorganization, bankruptcy, receivership, sale of company assets, or transition of service to another provider. In such situations, we may share or sell your Personal Information, but will inform the buyer or transferee that it must use such Personal Information only for the purposes disclosed in this Privacy Policy.

The type of Personal Information we may share with others may include (a) your name and contact information, including your phone number, email address, and mailing address; (b) information you provide when interacting with the Site; (c) website analytics information, including when, how often, and for how long you use the Site; information related to your geographic location; the content you submit and view; the name of the domain and host from which you access the Internet; and the IP address of the computer or device you are using.

Some third-party providers may independently collect Personal Information when you visit our Site. Our authorized third-party vendors and partners have their own privacy policies which govern the use, handling, and disclosure of your Personal Information.

We also may use third-party web analytics services on our Site, such as those of Google Analytics (see https://policies.google.com/privacy). The information collected may be used by LTC Solutions and/or others in aggregated / anonymized formats to, among other things, evaluate use of the Site and relevant Services, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity. For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices.

Payment processing via our Services is provided directly by us or by one or more third party payment processors as we may designate from time to time (“Payment Processor”). Your payment transaction data is stored only as long as is necessary to complete your transaction. All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express, and Discover. PCI-DSS requirements help ensure the secure handling of credit card information by our store and its service providers. For additional information, you can find out more about our Payment Processors’ privacy practices by visiting the websites of the applicable Payment Processor during a transaction. We are not responsible for our Payment Processors’ services, Privacy Policy, Cookie Policy, or Data Processing Agreement and you assume all related risks when interacting with such.

Retention, Confidentiality, and Security of Personal Information

We retain Personal Information for as long as is reasonably necessary for our business operations and to fulfill the purpose of collection or further processing as described in this Privacy Policy; as we determine is necessary for business records; and to comply with applicable law.

We restrict access to Personal Information to those who need to know in order to provide services to you and to conduct our internal operations. We maintain reasonable physical, electronic, and procedural safeguards to guard your information. However, the Internet and digital information is not absolutely secure and, thus, we cannot promise guaranteed security. In the unlikely event that we believe that the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you. As applicable, we will comply with notification requirements for a security breach and may also notify you using the email address you have provided to us.

In the event of a merger, acquisition, corporate change, or bankruptcy, we may share, sell, or transfer your Personal Information as part of a transfer of our assets to the acquiring entity.

Children Under 13

We do not knowingly collect information directly from minors and the Site is intended for adults over the age of eighteen (18). If you are a parent or guardian and believe that your child under the age of thirteen (13) has provided Personal Information directly to us without your consent, please notify us at ltcibenefits@ltc-solutions.com. If we become aware that information is or has been submitted by or collected directly from a minor under the age of thirteen (13), we will work to promptly delete this information.

Your Rights

Under state or international law, you may have certain rights. Please read below for information or options that may apply to residents of certain jurisdictions.

Residents of California

As we do not sell your Personal Information, there is no need to submit a request to opt-out.

We will not disclose your Personal Information to third parties for them to use for their direct marketing purposes unless you agree to us making that disclosure.

“Do not track”: Section 22575 of the California Business & Professions Code requires website and online service operators to disclose whether they honor web browser “Do Not Track” settings. Some browsers incorporate a “Do Not Track” (DNT) feature that, when turned on, signals to websites and online services that you do not wish to be tracked. Because there is not yet an accepted standard for how to respond to browser DNT signals, we do not currently respond to them. We reserve the right to update our practices and Privacy Policy as such standards evolve. For more information about Do Not Track, please visit www.allaboutdnt.org.

“Shine the Light” law: Effective January 1, 2005, under California Civil Code Section 1798.83, if an individual who is a California resident has provided Personal Information to a business in connection with a business relationship that is primarily for personal, family, or household purposes, and if that business has within the immediately preceding calendar year disclosed such an individual’s Personal Information to a third party and knows or should have known that such third party used the information for its own direct marketing purposes, then that business is obligated to disclose in writing to such individual upon request, what Personal Information was shared and with whom it was shared.

Additionally, certain visitors to our Site may have the following rights:

  • The right to correct inaccuracies in your Personal Information in our possession.
  • The right to request we delete Personal Information we have collected about you.
  • The right to request that we disclose the specific pieces of Personal Information we have collected about you.
  • The right to request the categories of Personal Information we have collected about you; the categories of Personal Information we sold or shared about you; the categories of third parties to whom the Personal Information was sold or shared, by category of Personal Information; the categories of Personal Information we disclosed about you for a business purpose; and the categories of third parties to whom we disclosed Personal Information for a business purpose.

If you or your authorized agent would like to submit a verifiable consumer request to correct inaccuracies, to delete, or for information, please contact us at ltcibenefits@ltc-solutions.com or LTC Solutions, 14715 NE 95th St., Suite 200, Redmond, WA 98052; phone: (877) 286- 2850. You or your agent must provide sufficient confirmable identifying information in order for us to verify your request.

You have the right to not be discriminated against for exercising any of these rights. Any request for a disclosure required under this California law should be sent to us as indicated below in the Contact Us section. Please note that under this law, we are not required to respond to your request more than once in a calendar year, nor are we required to respond to any request that is not sent to the email or mailing address as noted herein.

Other US States

If you are a resident of a US state that has applicable privacy laws, including but not limited to, Colorado, Delaware, Oregon, or Virginia, you may have the right to obtain confirmation that we maintain certain Personal Information relating to you, to verify its content, origin, and accuracy, as well as the right to access your Personal Information, request updates or corrections to your Personal Information, request deletion or portability of your Personal Information. You may also have the right to obtain the identities of the third parties to whom we disclose your Personal Information. You may also request restriction of the processing, including for targeted advertising. Additionally, in certain states you may have the right to opt-out of the “sale” of your Personal Information, as the term is defined under applicable law.

In some states, you can designate an authorized agent to make a request on your behalf. Please note that we may need to retain certain information for recordkeeping purposes, to complete any transactions that you began prior to your request, or for other purposes as required or permitted by applicable law. In any event, should you choose to exercise any of your rights as detailed above, we will not discriminate against you by offering you different pricing or products, or by providing you with a different level or quality of products, based solely upon this request.

You can exercise your rights for any of the jurisdictions listed above by contacting us as detailed under the "Contact Us" heading below.

Users Outside the United States

Our Site is hosted in the United States and our Services are governed by United States law. If you are using the Services from outside the United States, please be aware that your Personal Information may be transferred to, stored, and processed in the United States where our servers are located. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using the Services, you consent to your Personal Information being transferred to our facilities and/or to the facilities of those third parties with whom we share it as described in this Privacy Policy.

In certain other jurisdictions, where required by applicable law, you may have certain rights with respect to your Personal Information. You can exercise your rights by contacting us as detailed under the "Contact Us" heading below.

We will appropriately respond to all requests we receive from individuals who intend to exercise their rights to Personal Information. In the European Union, you may also have the right to file a complaint with a supervisory authority.

For questions, please contact us at ltcibenefits@ltc-solutions.com or LTC Solutions, 14715 NE 95th St., Suite 200, Redmond, WA 98052; phone: (877) 286-2850. You or your agent must provide sufficient confirmable identifying information in order for us to verify your request.

Viewing and Amending Information

If you no longer wish to receive communications from LTC Solutions, please contact us at ltcibenefits@ltc-solutions.com or LTC Solutions, 14715 NE 95th St., Suite 200, Redmond, WA 98052; phone: (877) 286-2850. Opt-out requests may not be able to be immediately processed and we may continue to send you other types of transactional email communications.

Users may be able to view, amend, or delete user information, including Personal Information. Please note that while changes or deletions to user or Personal Information may be reflected promptly in the active user database, our servers or our associated third parties may retain previously provided information, and may be required to keep certain information or not delete it, or keep information for a certain period of time.

Any changes to, or deletion of, user or Personal Information does not affect any other information collected by us, or which we may retain and continue to use or disclose in accordance with this Privacy Policy. If we already provided your Personal Information to a third party before you changed your preferences or updated your information, you may need to change your preferences directly with that third party.

Contact Us

If you have any questions or concerns about our Privacy Policy, or would like to exercise your rights under applicable law, please contact us at privacy@ltc-solutions.com or LTC Solutions, 14715 NE 95th St., Suite 200, Redmond, WA 98052; phone: (877) 286-2850. You or your agent must provide sufficient confirmable and/or identifying information in order for us to verify and process your request.

We reserve the right to verify the identity of any person making a request to opt-out or to delete or modify Personal Information; provided, however, that we will have no liability of any kind resulting from false or erroneous requests or any change or deletion made by us for any reason.

Changes and Updates to the Privacy Policy

This Privacy Policy applies to all relevant information collected by or provided to us or our authorized third-party vendors or partners as of the Effective Date. When we make any material changes to this Privacy Policy, we will update the Effective Date and may inform you by email to the address associated with your interaction with our Site or our Services. We will treat your continued use of this Site or our Services following such Policy as your acknowledgement and acceptance of the changes.

 

Last Modified: June 2026