MEDICARE. ACA. LIFE. ANNUITIES
MEDICARE. ACA. LIFE. ANNUITIES
IMO Insurance Service LLC
Effective Date: January 2026
IMO Insurance Service LLC (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, complete a form, or communicate with us.
1. Information We Collect
We may collect the following personal information:
We may also automatically collect limited technical information, such as:
This information is used for analytics, security, and service improvement purposes.
2. How We Use Your Information
We use the information collected to:
IMO Insurance Service LLC is an independent licensed insurance broker. We do not represent the federal government or Medicare. We represent multiple insurance carriers and do not offer every plan available in your area.
3. Communication Consent
By submitting your information through our website, advertisements, or lead forms, you expressly consent to being contacted by IMO Insurance Service LLC via:
These communications may relate to Medicare Advantage, Medicare Supplement, Part D plans, ACA coverage, life insurance, annuities, or other insurance products.
Standard message and data rates may apply.
You may opt out at any time:
Consent is not required as a condition of purchase.
4. Sharing of Information
We do not sell, rent, or trade your personal information.
We may share information with:
No Mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. You can opt out at any time by replying [STOP]. Message and data rates may apply.
All third parties are required to maintain confidentiality and safeguard your information.
5. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or misuse.
However, no electronic transmission or storage method is 100% secure.
6. Cookies & Tracking Technologies
Our website may use cookies and similar tracking technologies to:
You may disable cookies through your browser settings.
7. Your Rights
Depending on your state of residence, you may have the right to:
To exercise these rights, contact us using the information below.
If you are a California resident, you may have the right to:
To submit a privacy request, contact us using the information below.
We do not sell personal information as defined under California law.
8. Third-Party Links
Our website may contain links to external websites. We are not responsible for the privacy practices of third-party sites.
9. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.
10. Contact Information
IMO Insurance Service LLC
Email: marialuzbakker@imoinsuranceservicesllc.onmicrosoft.com
Phone: 1-877-905-2305
Website: https://imoinsuranceservices.org
Privacy Policy
Effective Date: May 28, 2026
IMO Insurance Service LLC Privacy Policy
IMO Insurance Service LLC (“IMO,” “Company,” “we,” “our,” or “us”) values your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, communicate with us, or engage with our insurance products and related offerings.
By using our services or accessing our website, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following categories of information:
A. Personal Information
B. Non-Personal Information
C. Sensitive Information
Where required for insurance underwriting or servicing, we may collect:
Sensitive information is collected only when necessary and handled in accordance with applicable laws.
2. How We Use Your Information
We use your information to:
3. Sharing of Information
We may share information with:
We do not sell your personal information to third parties.
4. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to:
You may adjust your browser settings to refuse cookies; however, some features may not function properly.
5. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction.
While we strive to protect your information, no electronic transmission or storage system can be guaranteed to be 100% secure.
6. Your Privacy Rights
Depending on your jurisdiction, you may have rights to:
To exercise these rights, contact us using the information below.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites.
8. Retention of Information
We retain personal information only as long as necessary to:
9. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Updated versions will be posted with a revised effective date.
Effective Date: May 28, 2026
These Terms & Conditions (“Terms”) govern your use of the IMO Insurance Service LLC website, services, and related offerings.
By accessing or using our services, you agree to these Terms.
1. Use of Services
You agree to use our services only for lawful purposes and in compliance with all applicable laws and regulations.
You may not:
2. Insurance Products and Quotes
Insurance quotes are estimates only and are subject to:
Coverage is not effective until confirmed by the insurance carrier and required payments are received.
3. User Responsibilities
You agree to:
You are responsible for all activities conducted under your account.
4. Intellectual Property
All website content, including logos, text, graphics, software, and materials, is the property of IMO Insurance Service LLC or its licensors and is protected by intellectual property laws.
You may not reproduce, distribute, or modify content without written permission.
5. Disclaimer of Warranties
Our services are provided “as is” and “as available” without warranties of any kind, either express or implied.
We do not guarantee:
6. Limitation of Liability
To the fullest extent permitted by law, IMO Insurance Service LLC shall not be liable for:
Our total liability shall not exceed the amount paid by you, if any, for services provided.
7. Third-Party Services
Our services may include links or integrations with third-party providers. We are not responsible for third-party services, policies, or content.
8. Indemnification
You agree to indemnify and hold harmless IMO Insurance Service LLC, its employees, affiliates, and partners from claims arising out of:
9. Termination
We reserve the right to suspend or terminate access to services at our discretion, including for violations of these Terms.
10. Governing Law
These Terms shall be governed by and interpreted under the laws of the State of California, without regard to conflict of law principles.
11. Changes to Terms
We may update these Terms periodically. Continued use of our services after updates constitutes acceptance of the revised Terms.
12. Contact Information
IMO Insurance Service LLC
Website: https://imoinsuranceservices.org
Phone: 877-905-2305
Address: 2014 Capitol Ave suite 100, Sacramento, CA, 95811 USA
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