Privacy Policy

The Perl Path (“we,” “us,” or “our”) is owned and operated by Aidan Neshite, a licensed insurance producer (Nevada Resident Producer License #4076205). We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains what we collect, how we use it, and the choices you have.

1. Information We Collect

We collect information you provide directly to us, information collected automatically when you use our website, and information from third parties when necessary to serve you.

Information You Provide

• Contact information: name, phone number, email address, mailing address
• Medicare information: Medicare number, Part A and Part B effective dates, current plan details
• Health-related information: medications, preferred doctors, pharmacies, and health conditions — only as needed to compare and recommend appropriate plans
• Demographic information: age, date of birth, gender, household income (used to determine eligibility for subsidies such as Extra Help or LIS)
• Communications: messages you send us, voicemails, and call recordings (where lawfully recorded)

Information Collected Automatically

• IP address, browser type, device information, and operating system
• Pages visited, time on site, and referring URLs
• Cookies and similar tracking technologies

2. How We Use Your Information

• Provide Medicare consultation, plan comparison, and enrollment services
• Submit applications to insurance carriers on your behalf (with your authorization)
• Contact you about your account, applications, or plan changes
• Conduct annual plan reviews and notify you of important enrollment periods
• Respond to your questions and requests
• Comply with CMS, state insurance department, and other regulatory requirements
• Improve our website and services

3. Telephone Communications & TCPA Consent

By providing your telephone number on our website, contact form, or directly to us, you expressly consent to receive telephone calls and text messages from The Perl Path and Aidan Neshite at that number — including calls or texts made using automated technology — for purposes that may include marketing, scheduling, and follow-up on Medicare options. Standard message and data rates may apply. Consent is not a condition of purchase.

4. Scope of Appointment (SOA)

The Centers for Medicare & Medicaid Services (CMS) require that before any sales presentation involving Medicare Advantage or Medicare Part D plans, you complete a Scope of Appointment form that documents which products you have agreed to discuss. We retain SOA records for at least 10 years as required by CMS.

5. How We Share Your Information

We share your information only as necessary to provide our services and as permitted or required by law:

• Insurance carriers: when submitting applications or quotes on your behalf, with your authorization
• Service providers: CRM, scheduling, email, and analytics vendors who help us operate, under written confidentiality obligations
• Legal and regulatory requirements: in response to subpoenas, court orders, CMS audits, or state insurance department inquiries
• Business transfers: in the unlikely event of a merger, acquisition, or sale of assets

We do not sell your personal information to third parties.

6. Cookies & Analytics

We use cookies and similar technologies to operate the website, remember your preferences, and analyze traffic. You can disable cookies through your browser settings, though some features of the website may not function properly without them.

7. Data Security

We use reasonable physical, electronic, and procedural safeguards to protect your information, including secure transmission and limited access controls. However, no method of transmission over the internet or electronic storage is 100% secure, so we cannot guarantee absolute security.

8. Your Rights & Choices

• Request access to, correction of, or deletion of your personal information
• Opt out of marketing calls, texts, or emails at any time
• Request to be added to our internal Do-Not-Call list
• Withdraw authorization for us to act on your behalf with carriers

California Residents (CCPA / CPRA)

If you are a California resident, you have additional rights, including the right to know what personal information we collect, the right to request deletion, the right to correct inaccurate information, and the right to opt out of the sale or sharing of personal information (we do not sell personal information). To exercise these rights, contact us using the information below.

9. Children’s Privacy

Our services are intended for adults age 18 and older. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.

10. Third-Party Links

Our website may link to third-party sites such as Medicare.gov, insurance carriers, or news sources. We are not responsible for the privacy practices of those sites. Please review their privacy policies before sharing your information with them.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date above. Material changes will be communicated through the website or by direct notice where required by law.

12. Contact Us

For privacy-related questions, requests, or complaints, please contact us:

13. Medicare Disclaimer

We do not offer every plan available in your area. Currently we represent multiple organizations which offer a variety of products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. The Perl Path is not affiliated with or endorsed by the federal government or Medicare.