Privacy Policy

Effective date: October 27, 2026

Who we are

Boo Insurance Services is an independent insurance agency owned by Fores Boo (NPN 17255694, Utah license 484351). Our office is at 61 W 13490 S, Ste 201, Draper, UT 84020. Melissa Miles, a licensed Utah insurance producer, also works with our clients. We're contracted with insurance companies through our marketing organization, Everything Senior Insurance in Draper, Utah, which helps us with carrier contracting, training and agent compensation (see "How we share your information").

We help people with Medicare Advantage, Medicare drug (Part D) and Medicare Supplement (Medigap) plans. We also offer hospital indemnity, final expense whole life and short-term or recovery care insurance. In this policy, "we," "us" and "our" mean Boo Insurance Services and the licensed people who work with it.

This policy explains what information we collect, how we use it, who we share it with, and the choices you have. It covers this website (booinsuranceservices.com), our booking page (book.booinsuranceservices.com), and our phone calls, video calls, emails, text messages and in-person meetings.

The insurance companies we work with have their own privacy notices. Once you apply for or enroll in a plan, that company's notice also applies to the information it holds.

Information we collect

Information you give us

Contact details: your name, phone number, email address, mailing address, ZIP code and county, and your preferred way to be contacted.
Appointment details: the date and time you book, the topics you'd like to cover, and your Scope of Appointment. A Scope of Appointment is the Medicare form that records which types of plans you agreed to discuss before we meet.
Medicare and health information:
- your Medicare Number (MBI) and Part A and Part B start dates
- your date of birth and your current coverage
- your doctors, prescriptions and pharmacies
- health details a plan or application asks about, such as health questions on a Medicare Supplement, life insurance or hospital indemnity application
- facts that affect your enrollment choices, such as whether you qualify for Extra Help or Medicaid
Application details: the information an insurance company's application asks for. This can include a beneficiary's name for a life insurance policy, and the premium payment method you choose to give the insurance company. We use payment details only to complete the application you ask us to submit.
Information about people who help you: for example, the name and contact details of a family member or authorized representative you ask us to work with.
Messages: anything you write to us by email, text or our website, and what you tell us on calls.

Information collected automatically when you use our website

Device and usage information: your IP address, browser type, device type, pages viewed, time on a page, the page that sent you to us, and your general location (city or region). We collect it through cookies and similar tools (see "Cookies, analytics and your choices" below) and through our web host's standard server logs.
Our online tools run in your browser. The enrollment-date tool, penalty calculator and checklists work inside your browser. We don't receive or save what you type or check in them.

Information from others

Insurance companies: for example, whether your application was approved, your plan's start date, policy status, and the commission records tied to your enrollment.
People you authorize: for example, a family member who calls on your behalf with your permission.

How we use your information

We use your information to:

answer your questions and schedule, confirm and remind you about appointments
compare plans for your doctors, prescriptions, pharmacies and budget, and help you apply or enroll when you choose to
help you with your coverage after you enroll, such as billing questions, plan changes and annual reviews
send you the information you asked for, such as our email lessons or reminders about Medicare dates
keep the records that Medicare rules, state insurance law and our insurance company contracts require
run, protect and improve our website, for example by seeing which pages are useful
prevent fraud and meet our legal and regulatory duties

We don't use your health information for any purpose unrelated to helping you with your insurance.

Phone calls and call recording

Our calls may be recorded as required by Medicare rules. Medicare requires marketing and sales calls about Medicare plans to be recorded, including the audio of video calls. We'll tell you at the start of the call when it's being recorded. We keep sales call recordings for at least 6 years. We use recordings for compliance, quality and to resolve questions about what was discussed. We share them only as described in "How we share your information."

We share your information only as described here.

Insurance companies: when you ask for a quote or choose to apply or enroll, we send your information to that insurance company. That company uses it to process your application, run your coverage and pay us.
Our marketing organization: insurance companies send our marketing organization, Everything Senior Insurance, commission and policy records (such as your name, plan, policy number and effective date) so it can process and track agent compensation. It may use this information only for that purpose, not to market to you.
Medicare and government agencies: we share records with the Centers for Medicare & Medicaid Services (CMS), state insurance departments and other government agencies when the law or our contracts require it. This includes audits and complaint reviews.
Service providers: we use companies that help us run our business. They include our website host, scheduling and customer-management software, email and phone service, analytics and video calling. These companies may only use your information to provide their services to us. The current list is:
- Hostinger: hosting for our website
- HighLevel / LeadConnector: booking page, customer records, emails and text messages
- Google Workspace: email
- Google Analytics: website statistics
- Calendly: online scheduling
- our phone, call-recording and video-calling services
- insurance company websites and quoting and enrollment software we use to compare plans and submit applications
People you authorize: for example, a family member or representative you ask us to work with.
Legal reasons: when we believe in good faith that the law, a court order, a subpoena or a regulator requires it, or to protect the rights, safety or property of our clients, our agency or others, including to prevent fraud.
If our agency changes hands: if we sell or transfer our agency or its client records, your information may move to the new owner. The new owner must protect it under the same insurance privacy laws.

What we don't do

We don't sell your personal information.
We don't share your personal information with other companies for their own marketing.
We don't share your information with another agent, agency or marketing organization so they can market Medicare plans to you, unless you first give your express written permission naming each company. Medicare rules require that permission.
We don't share your text-message opt-in or phone number with anyone for their marketing (see "Text messages").

Text messages (SMS)

We text clients and people who have asked us to contact them, but only with their permission.

What we send: appointment confirmations and reminders, replies to your questions and, if you agree, occasional Medicare date reminders. Message frequency varies.
Consent: we text you only if you've given us permission first, for example by checking a box when you book or by asking us in writing. You don't have to agree to texts to work with us or to buy any plan.
Opting out: reply STOP to any message to stop texts. We'll send one message confirming you've opted out. Reply HELP for help, or call 801-255-5341.
Costs: message and data rates may apply. Check with your mobile carrier.
Your opt-in stays with us: we will not share, sell, rent, or transfer your mobile phone number, your text-messaging opt-in data, or your SMS consent with any third parties or affiliates for any purpose, including marketing or promotional purposes.
Carriers aren't liable for delayed or undelivered messages.

Email

If you ask for our email lessons, checklists or Medicare date reminders, we email you about those topics. Every marketing email has an unsubscribe link. You can also email fores@booinsuranceservices.com and ask to stop. We honor unsubscribe requests within 10 business days. Even after you unsubscribe, we may still email you about an appointment you booked or a plan we helped you with.

Medicare marketing rules and your permission to contact you

Medicare has its own rules about how agents may contact you.

We don't make unsolicited contact. We don't make cold calls or unsolicited texts, and we don't knock on doors or approach you uninvited about Medicare plans.
Your permission is limited to what you asked for. When you ask us for information, for example by booking a call or requesting our email lessons, we contact you about what you asked for and in the way you agreed to. Under Medicare rules, a request for information like this generally lets us follow up for up to 12 months from your latest request.
Scope of Appointment: before we talk with you about specific Medicare plans, Medicare rules require us to record which types of plans you've agreed to discuss. For an in-person meeting, this must be a signed form completed before we meet. We discuss only the plan types you agreed to. You can add or remove plan types at any time.
You can withdraw permission at any time. Tell us by phone, email, reply STOP to a text, or use an email's unsubscribe link.

Cookies, analytics and your choices

Cookies are small files a website stores in your browser. Our website uses:

Google Analytics (through Google's Site Kit plugin), to count visits and see which pages people use. Google receives your IP address and device information and sets its own cookies. Learn more at policies.google.com/privacy, or block it with the Google Analytics opt-out browser add-on at tools.google.com/dlpage/gaoptout.
Embedded content from other companies: a Google Map in our footer, a Vimeo video on our home page, and our scheduling tools (Calendly on our Schedule page, and our booking page, which runs on HighLevel). We also use Google Fonts and Gravatar profile images. When a page loads this content, those companies may receive your IP address and device information and may set their own cookies under their own privacy policies.
Our website software (WordPress and its plugins) may set small cookies or browser storage needed for the site to work.

Meta Pixel: on our online booking page and our Medicare Roadmap sign-up page, we use the Meta (Facebook) Pixel to measure whether our Facebook and Instagram ads lead to a booked call or a Roadmap request. Meta receives your IP address, browser and device information, the page you visited, and the fact that a booking or sign-up was completed, and may set its own cookies. We don't send Meta your name, phone, email, birth date, or any answers you give us. Learn more or adjust your ad settings at facebook.com/privacy/policy and in your Facebook or Instagram ad preferences.

Your choices: most browsers let you block or delete cookies, and you can use private browsing. If you block cookies, the website will still work, but some embedded content, such as maps, videos or scheduling, may not.

Do Not Track

Some browsers send a "Do Not Track" (DNT) signal. There's no common standard for how websites should respond, so our website doesn't currently change how it works when it receives a DNT signal. You can still use the choices described in "Cookies, analytics and your choices."

How long we keep information

We keep information as long as we need it to help you, and as long as the law and our contracts require.

Sales call recordings: at least 6 years.
Enrollment and client records and Scope of Appointment forms: at least as long as Medicare rules, state insurance law and our insurance company contracts require. For some Medicare records, that can be 10 years.
Contacts who never became clients: as long as we need the information to respond to you and to keep the records the law requires.
Website analytics: Google Analytics keeps this data for the retention period set in our account, no longer than 14 months.

When we no longer need information, we delete it or make it anonymous.

How we protect information

We use reasonable administrative, technical and physical safeguards to protect your information. For example, we:

limit access to the people who need it
use password-protected business accounts
use service providers that are expected to protect information

No website, email or storage system is completely secure, so we can't guarantee absolute security. Please don't send your Medicare Number, Social Security number or bank details by regular email or text. Call us instead and we'll tell you a safe way to share them. If a security breach affects your information, we'll notify you as the law requires.

Children's privacy

Our website and services are for adults, mainly people who are new to Medicare or already on it. They aren't directed to anyone under 18. We don't knowingly collect personal information from children under 13. If you believe a child has sent us information, contact us and we'll delete it.

Insurance privacy laws that protect your information

As an insurance agency, we follow federal and state insurance privacy laws for the nonpublic personal information we collect when you apply for or buy insurance through us. These include the federal Gramm-Leach-Bliley Act, Utah's insurance privacy rule (Utah Admin. Code R590-206), and similar laws in the other states where we're licensed. Under these laws:

we share health information only with your permission, or as the law allows for running your insurance (for example, processing your application or claims, preventing fraud, or regulatory requirements)
we share nonpublic personal information outside our agency only in ways these laws allow without asking you first, such as to process your application, service your policy, administer agent compensation, prevent fraud or meet legal requirements
if we ever want to share it in a way that requires your permission or a chance to opt out, we'll ask you first

Your privacy choices and requests

You can ask us to:

tell you what personal information we have about you
give you a copy of it
correct information that's wrong
delete information we don't need to keep (we can't delete records the law or our contracts require us to keep, such as enrollment records and call recordings)
stop marketing emails or texts

Some states have consumer privacy laws that give residents certain rights. These include California, Colorado, Montana, Nevada, Oregon, Texas, Utah and Washington. Many of those laws apply only to businesses above a size threshold, or don't apply to information covered by insurance and financial privacy laws. We'll respond to your request as the law in your state requires. Where your state's law doesn't apply to us, we'll still consider your request in good faith.

California residents: under California's online privacy law, you can find in this policy the categories of information we collect and the kinds of companies we share it with. You can ask us to review and correct your information using the contact details below.

Nevada residents: we don't sell covered information as defined by Nevada law. You can still send a request about this to fores@booinsuranceservices.com.

How to make a request: email fores@booinsuranceservices.com, call 801-255-5341 (TTY 711), or write to us at the address below. To protect you, we'll need to confirm your identity before we share or change information, for example by checking details we already have. An authorized representative may make a request for you with your written permission. We won't treat you differently for making a request.

Links to other websites

Our website links to other sites, such as Medicare.gov, insurance companies and social media. We don't control those sites. Their own privacy policies apply when you visit them.

Changes to this policy

We may update this policy. When we do, we'll post the new version here and change the effective date at the top. If we make an important change to how we share your information, we'll give you notice as the law requires before the change applies to information we already have.

Contact us

Boo Insurance Services, Attn: Fores Boo

Fores Boo: NPN 17255694; Utah license 484351; California license 4350531. Boo Insurance Services: California license 6012405.

61 W 13490 S, Ste 201, Draper, UT 84020

Phone: 801-255-5341 (TTY 711)

Email: fores@booinsuranceservices.com