Legal & Privacy

1. Introduction

Curbelo Healthcare LLC, doing business as Curbello Health Consultant ("Curbello," "we," "us" or "our"), takes your privacy seriously. This policy describes what information we may collect, how we use and share it, and the choices you have when you visit curbellohealthconsultant.com, contact us, schedule a consultation, attend our events or use our services.

By using this website, you acknowledge the practices described here. When the law requires your consent, we will ask for it separately.

2. Information we may collect

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

• Your name, phone number, email address and mailing address
• Your date of birth, ZIP code and similar demographic details
• Appointment details and how you prefer to be contacted
• Insurance information you choose to share, such as your current coverage, doctors, prescriptions, eligibility and what you're looking for
• Information needed to request quotes, compare options or help with an application or enrollment
• Messages you send us by phone, text, email, our website form or in person
• Information from insurance companies or service providers when the law allows
• Technical information such as IP address, browser and device type, referring page and pages visited

Please don't send Social Security numbers, bank or card numbers, medical records, medications or Medicare numbers through our website form, by text message or by email. If we need sensitive information to help with an application, we'll use an appropriate secure process.

Our website and services are not directed to children, and we do not knowingly collect personal information from children under 13.

3. How we use information

• To answer your questions and requests
• To schedule and manage consultations and appointments
• To provide insurance information and education
• To compare options from the insurance companies we represent
• To request quotes or help with applications and enrollments you authorize
• To follow up about appointments, applications, coverage and service
• To send event invitations and educational information when you've asked for or allowed it
• To run, secure and improve our website and systems
• To prevent fraud and unauthorized activity
• To keep business records and meet legal, licensing, Medicare and insurance-company requirements

We do not sell your personal information, and we never treat it as a marketing lead to be sold.

4. How information may be shared

We share information only when it's reasonably needed to serve you or run our business, including with:

• Insurance companies, general agencies and quoting or enrollment platforms — only when needed to get you information or process an application you've authorized
• Service providers that support our business, such as our phone, texting, scheduling, customer-relationship, email and website-hosting tools, who may use it only to provide services to us
• Professional advisers such as accountants or attorneys
• Government agencies, regulators such as CMS, or law enforcement when required or permitted by law
• A successor business in a merger, sale or reorganization, as allowed by law

We may also share information when you ask us to or give us permission. The text-messaging protections in sections 9 and 10 apply to all sharing.

5. Data security and retention

We use reasonable administrative, technical and physical safeguards to protect your information from unauthorized access, use or disclosure. No website or electronic system is completely secure, so please use care when sending information online.

We keep information for as long as needed to serve you, maintain business and insurance records, meet legal and Medicare recordkeeping requirements, resolve disputes and prevent fraud. As required by Medicare rules, sales and enrollment calls may be recorded and kept on file; we'll tell you at the start of a call if it's being recorded.

6. Cookies and website technology

Our website may use cookies and similar technology to operate the site, remember preferences and understand how the site is used. This may include your IP address, browser and device type, referring website, pages visited, approximate location based on IP address, and the date and time of your visit.

You can adjust cookie settings in your browser. Turning off cookies may affect some features of the site.

7. Your choices and requests

Subject to the law and our recordkeeping obligations, you may ask us to:

• Show you the personal information we have about you
• Correct information that's inaccurate
• Delete certain information
• Withdraw consent you've given
• Stop sending you marketing messages

To make a request, email joshuag@curbellohealthconsultant.com or call 561-332-6041. We may need to verify your identity first, and some information must be kept for legal, Medicare, insurance or fraud-prevention reasons.

8. Other websites

Our site links to insurance companies, government resources such as Medicare.gov and SHINE, our Facebook page and community partners. We don't control those sites, and information you give them is covered by their own privacy policies. A link isn't an endorsement of everything that organization offers.

9. Text message consent

When you give us your mobile number and opt in — by submitting the request-a-call form on this website and checking the consent box, or by written or verbal permission — you agree to receive text messages from Curbello Health Consultant. Messages may include answers to your questions, appointment scheduling and reminders, follow-ups, and information about Medicare and insurance coverage options.

Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Consent to receive text messages is not a condition of any purchase.

10. Mobile information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are excluded from all information sharing described in this policy and will not be shared with or sold to any third party.

Your number may be used by the service providers that deliver our messages, such as our texting platform and wireless carriers, only to operate our messaging program. Carriers are not liable for delayed or undelivered messages.

11. Opting out

You can opt out at any time by replying STOP to any message. You'll receive one message confirming you've been unsubscribed and no further texts after that. To rejoin, text START or opt in again. For help, reply HELP, call 561-332-6041 or email joshuag@curbellohealthconsultant.com. Full details are in our SMS Terms.

12. Independent insurance agency

Curbelo Healthcare LLC, doing business as Curbello Health Consultant, is an independent insurance agency based in Palm Beach County, Florida. Insurance products are offered by Joshua Geribon, a licensed insurance agent in the State of Florida, License No. G114712. We are licensed in Florida only.

Products, insurance companies, eligibility and services vary by location and individual circumstances. Insurance-company availability varies by product, location, eligibility and appointment status.

Compensation: there is no cost for a consultation with us. When you enroll in a plan or buy a policy through us, we may be paid a commission by the insurance company. You don't pay us a separate fee, and premiums are set by the insurance company.

13. Medicare disclosure

We do not offer every plan available 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. Plan availability varies by ZIP code.

Curbello Health Consultant is not connected with or endorsed by the U.S. government, the federal Medicare program, Medicaid, the Centers for Medicare & Medicaid Services or the U.S. Department of Veterans Affairs. In Florida, free Medicare counseling is available through SHINE.

Premiums, benefits, provider networks, drug lists, pharmacies and cost-sharing vary by plan and service area. Enrollment depends on eligibility, enrollment periods and plan contract renewal.

14. Educational information

Information on this website is general and educational. It is not legal, tax, investment, financial or medical advice, and product descriptions are summaries — not complete statements of coverage. The policy, Evidence of Coverage and official insurance-company documents control the actual benefits, limitations and exclusions.

Insurance and annuity products are subject to eligibility, suitability, underwriting where applicable and insurance-company approval. Annuities are long-term products that may have surrender charges and are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Please consult a qualified attorney, tax professional, financial professional or healthcare provider about your specific situation.

15. Community events

Our community events are open to everyone. Attending never requires you to share contact information, discuss insurance or enroll in a plan. Educational Medicare sessions do not include sales or enrollment.

16. Using this website

This website is for lawful, personal and informational use. Please don't use it to break the law, try to access our systems or information without permission, introduce malicious software, interfere with how the site works, misrepresent who you are, or copy our content for commercial purposes.

17. Copyright and trademarks

© 2026 Curbelo Healthcare LLC. All rights reserved. Unless noted otherwise, the text, graphics, logos and design on this website belong to Curbelo Healthcare LLC and are protected by copyright and trademark law. Insurance-company names and logos belong to their owners and are shown to identify companies we represent. Some photos, fonts and icons are used under license. The Curbello name and logo may not be used in a way that suggests our sponsorship or endorsement without written permission.

18. Accuracy and availability

We work to keep this website accurate and current, but we can't guarantee every page is complete, error-free or always available. Insurance laws, Medicare rules, plans, costs and networks change, and we may update content without notice. Please talk with us or check official insurance-company materials before making a decision.

19. Limitation of liability

To the extent allowed by law, we are not responsible for losses that result only from relying on general website information, website downtime, the actions of unauthorized third parties or independently operated websites. Nothing here limits any rights that can't legally be limited.

20. Changes to these policies

We may update these policies as our services, technology or legal obligations change. Updates will be posted here with a new "Last updated" date, and we'll give additional notice or ask for consent when the law requires it.