Privacy Policy

Last updated: April 29, 2026

AO Benefits Group ("we," "us," or "our") respects your privacy. This policy explains what information we collect, how we use it, and the choices you have.

Information We Collect

We collect information you provide directly to us, including:

• Contact details (name, email address, phone number, mailing address)
• Demographic information used for quoting (date of birth, ZIP code, household size)
• Health-related information you choose to share for underwriting purposes
• Communications you send to us (email, SMS, phone, voicemail)

We may also collect limited technical information from website visitors, including IP address, browser type, and pages viewed.

How We Use Your Information

We use the information we collect to:

• Provide quotes, recommendations, and enrollment assistance
• Submit applications to carriers on your behalf, with your authorization
• Communicate with you about your inquiry, policy, and ongoing service
• Send appointment reminders, policy updates, and renewal notices
• Comply with applicable laws, regulations, and carrier requirements

SMS and Mobile Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of information exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties or affiliates for any purpose. See our SMS Terms for full details.

How We Share Information

We share your information only as needed to deliver our services:

• Insurance carriers: When you apply for coverage, we submit your application to the carrier you select.
• Service providers: We use vetted vendors for CRM, email, and SMS delivery. These providers are bound to use your information only to provide their services to us.
• Legal compliance: We may disclose information when required by law, subpoena, or to protect rights and safety.

We do not sell your personal information.

Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No system is perfectly secure, and we cannot guarantee absolute security.

Your Choices

• Email: You can unsubscribe from marketing emails using the link in any message we send.
• SMS: Reply STOP to opt out at any time. See our SMS Terms.
• Access and correction: Email us at the address below to request access to or correction of the information we hold about you.

Children's Privacy

Our services are intended for adults. We do not knowingly collect information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected on this page with an updated effective date.

Contact

Questions about this Privacy Policy can be sent to anthony@aobenefitsgroup.com.