Privacy Policy

Divine Path Financial Services LLC ("Divine Path Financial," "we," "us") is an independent insurance agency led by Stanley Gauss. Our Life Insurance National Producer Number is 20792835. We are licensed in 31 states and help pre-retirees, retirees, and families with retirement income planning, life insurance, final expense coverage, annuities, health insurance, and Medicare options. You can review the states where we are licensed on our Areas We Serve page.

This policy applies to divinepathfinancial.com, our landing pages, intake forms, quote requests, calculators, appointment scheduling tools, and the phone, text, and email conversations that follow from them.

We collect only what we need to quote, apply, and service coverage.

Contact and identity information

• Name, mailing address, email address, and phone number
• Date of birth, gender, and marital or household status
• Employment status, occupation, and retirement timeline

Insurance application information

• Height, weight, and tobacco or nicotine use
• Current coverage, carriers, policy numbers, and coverage amounts
• Beneficiary names and relationships
• Driving history and, when a carrier requires it, criminal or financial history

Health and prescription information

• Medical conditions, diagnoses, treatments, and surgeries
• Prescription drug lists, dosages, and pharmacy preferences
• Doctors, hospitals, and provider networks you want to keep
• Medicare Beneficiary Identifier, Medicare effective dates, and Part A, B, C, or D enrollment status

Financial information

• Income, savings, retirement account balances, and pension or Social Security estimates
• Debt and monthly budget details you share during a planning conversation
• Social Security number and banking or draft information, collected only at the application stage and only when a carrier requires it

Technical information

• IP address, browser type, device type, and approximate location
• Pages viewed, referring source, and form interaction data
• Cookie and pixel identifiers used for analytics and advertising measurement

We do not ask for information about your race, religion, political views, or sexual orientation, and we do not require it for any quote or application.

• Preparing quotes and comparing life, health, Medicare, final expense, and annuity options
• Submitting applications and enrollment requests to the carriers you select
• Verifying that a plan covers your doctors, hospitals, and prescriptions
• Servicing existing coverage, including beneficiary changes, billing questions, claims support, and annual plan reviews
• Communicating with you by phone, text, email, or mail about your request
• Meeting insurance, state, and federal recordkeeping, licensing, and anti-fraud requirements
• Improving our website, education content, and service quality

We do not use your health information to make decisions about employment, credit, or any purpose unrelated to insurance.

Health and prescription details are collected only when you ask us to quote or enroll you in coverage that requires them, and only with your authorization. We use that information for underwriting, plan comparison, and enrollment. Nothing more.

• Health information is shared only with the insurance carriers, Medicare plan sponsors, and CMS-approved entities needed to process your specific request
• Access inside our agency is limited to the licensed agent working on your case and the staff supporting that case
• We do not sell, rent, or trade your health or prescription information, and we do not share it with advertisers or lead buyers
• You can withdraw your authorization at any time, though we may not be able to continue an application in progress

Where we handle protected health information on behalf of a carrier or Medicare plan sponsor, we do so under the privacy and security terms of our agreements with that carrier, including HIPAA obligations where they apply.

Under the Gramm-Leach-Bliley Act, financial institutions must explain how they share personal financial information. Here is ours in plain language.

• We share application and financial information with insurance carriers and their underwriting partners so a policy can be quoted, issued, and serviced
• We share information with service providers who host our website, run our customer relationship system, deliver our email and text messages, and generate quote illustrations
• We do not sell your personal or financial information to anyone
• We do not share your information with unaffiliated companies for their own marketing

If you would like to limit sharing beyond what is needed to service your coverage, contact us using the details below and we will honor your request.

• Insurance carriers and Medicare plan sponsors you choose to apply with
• Underwriting and verification services a carrier uses, such as prescription history and medical information exchanges
• Technology vendors acting on our behalf: website hosting, secure document storage, appointment scheduling, e-signature, customer relationship management, and email or SMS delivery
• Professional advisors such as attorneys, accountants, or compliance auditors, when required
• Regulators, law enforcement, or courts when the law requires disclosure or when needed to prevent fraud

We do not sell your personal or health information, and we do not sell or share it as those terms are defined under California law for cross-context behavioral advertising of sensitive data.

Our site uses cookies and similar technologies for basic functionality, traffic analytics, and advertising measurement. These tools tell us which pages and guides are useful. They never receive your health information, Social Security number, or application data.

• Essential cookies keep forms, sessions, and preferences working
• Analytics cookies measure page views and traffic sources in aggregate
• Advertising pixels help us understand which campaigns lead to consultation requests

You can block or delete cookies in your browser settings and use your browser's Do Not Track or Global Privacy Control signal. We honor Global Privacy Control signals as an opt-out of sharing for targeted advertising where required by law. Blocking essential cookies may prevent forms from submitting.

• When you submit a form or request a quote, you agree that we may contact you by phone, text, email, or mail about your request, including with automated technology
• Consent to receive calls or texts is not a condition of purchasing any insurance product, and you can request a quote by calling us directly instead
• Message and data rates may apply. Message frequency varies
• Reply STOP to any text to opt out, or HELP for assistance. You may also ask any team member to remove you from calls and texts
• Calls may be recorded or monitored for quality, training, and compliance. Medicare-related calls are recorded and retained as required by federal marketing rules
• You may revoke consent at any time by calling 848-272-3234 or emailing info@divinepathfinancial.com

California residents (CCPA and CPRA)

• The right to know what personal information we collect, use, and disclose
• The right to request a copy of the personal information we hold about you
• The right to correct inaccurate personal information
• The right to request deletion, subject to insurance recordkeeping requirements
• The right to opt out of the sale or sharing of personal information. We do not sell or share personal information
• The right to limit the use and disclosure of sensitive personal information, including health data
• The right not to be discriminated against for exercising these rights

New Jersey residents (New Jersey Data Privacy Act)

• The right to confirm whether we process your personal data and to access it
• The right to correct inaccuracies
• The right to delete personal data we hold about you
• The right to obtain a portable copy of the data you provided
• The right to opt out of targeted advertising, sale of personal data, and profiling in furtherance of decisions with legal or similarly significant effects
• The right to appeal a denied request, with instructions provided in our response

Residents of other states

If you live in a state with a comprehensive privacy law, including Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, Delaware, and others as they take effect, you have comparable rights to access, correct, delete, and port your data and to opt out of targeted advertising. Submit your request the same way and we will apply the protections of your state's law.

Some records must be retained even after a deletion request. Insurance applications, suitability documentation, and Medicare enrollment and call records are kept for the periods carriers, state insurance departments, and federal rules require.

You or an authorized agent acting for you can submit a request using any of the methods below. Tell us which right you are exercising and the state you live in.

We verify requests by matching the information you provide against our records, and we may ask for one additional identifier before releasing or deleting data. We respond within 45 days and may extend once by another 45 days with notice to you. Verification exists to protect you. We will never release health or financial records to someone we cannot verify.

• Quote and inquiry records are retained while you remain a prospect and for a reasonable period afterward
• Application, policy, suitability, and Medicare enrollment records are retained for the periods required by carriers and by state and federal rules
• Access to sensitive records is limited to the people who need it, and files are stored in access-controlled systems with encryption in transit
• We use administrative, technical, and physical safeguards designed to protect your information, and we review them as our tools change

No website, email, or storage system can be guaranteed perfectly secure. Please do not send Social Security numbers, Medicare numbers, or medical records through unsecured email. Call us and we will provide a secure method.

Our website is intended for adults. We do not knowingly collect information from children under 13. When a child is named as an insured or a beneficiary, that information is provided by a parent or guardian and is used only for the application.

Our site links to carrier portals, Medicare.gov, our scheduling provider, and affiliated education sites. Those services have their own privacy policies, and we do not control how they handle your information.

We may update this policy as our services, tools, or privacy laws change. The revision date at the top of this page always reflects the current version. Material changes will be posted here before they take effect.

Questions about this policy? Call 848-272-3234 or email info@divinepathfinancial.com. Our Terms and Conditions cover the use of this website.