Privacy Policy

Kelmeg & Associates, Inc. is an independent insurance agency based in Broomfield, Colorado. We help Coloradans compare and enroll in Medicare, individual and family, employer group, supplemental, and life insurance coverage. You can reach us at (303) 466-9575 or chip@kelmeg.com, or at 26 Garden Center, Suite 1C, Broomfield, CO 80020.

Depending on how you interact with us, we may collect:

• Contact details you give us directly, such as your name, email address, phone number, and zip code, when you submit a form, book a consultation, call, or email us.
• Health and coverage details you choose to share so we can recommend plans, such as the doctors you want to keep, prescriptions, current coverage, and eligibility factors like age or Medicare status.
• Usage information collected automatically when you browse the site, such as pages viewed and general device and browser information.

• To answer your questions and provide the insurance guidance you asked for.
• To compare plans and prepare recommendations, enrollments, and renewals.
• To follow up on requests, appointments, and ongoing service needs.
• To improve our website and understand which topics people find useful.
• To meet legal, regulatory, and record-keeping requirements.

We do not sell your personal information. We share it only as needed to serve you and run our business:

• With insurance carriers, Marketplaces such as Connect for Health Colorado, and Medicare systems, when you ask us to quote or enroll you in coverage.
• With service providers that help us operate our website, email, and scheduling tools, under agreements that restrict their use of your data.
• When required by law, regulation, or valid legal process.

Our site uses standard analytics tools, including Google Analytics and Google Tag Manager, to understand overall site usage such as which pages are visited. These tools use cookies and similar technologies. You can control or delete cookies through your browser settings, and you can browse most of the site with cookies limited. Analytics data is used in aggregate and is not used to sell anything to you.

If you contact us by phone, text, or email, we use those channels to respond to your request and support your coverage. We do not send unrelated marketing messages to anyone who has asked us not to, and you can opt out of further messages at any time by replying or emailing us.

We keep contact and service records for as long as needed to support your coverage and meet insurance record-keeping requirements, and then dispose of them securely.

• Ask us what information we have about you, or request a correction.
• Ask us to delete information we no longer need, subject to legal retention rules.
• Withdraw consent for ongoing communications at any time.

To make any of these requests, email chip@kelmeg.com or call (303) 466-9575.

Our services are directed to adults. We do not knowingly collect personal information from children under 13. Dependents' details are shared with us only by a parent or guardian for coverage purposes.

If we update this policy, we will post the new version on this page with a revised date. Continued use of the site after changes means you accept the updated policy.