This Privacy Policy explains how Operators Advantage, operated by Gig Wise Holdings LLC ("Operators Advantage," "we," "our," or "us"), collects, uses, shares, protects, and retains information when you visit our website, submit a form, request information, communicate with us, use educational tools, or ask to be connected with appropriate licensed insurance professionals, agencies, carriers, vendors, or service providers.

Operators Advantage provides marketing, education, lead-intake, and referral services for people and businesses seeking information about benefits, insurance-related options, Medicare timing, and related services. Any insurance quotes, recommendations, applications, enrollments, policies, claims, or plan-specific advice must come from appropriately licensed professionals, agencies, carriers, or other authorized providers.

• Our website, landing pages, and online forms;
• Educational pages, calculators, checklists, quizzes, and lead-intake tools;
• Email, text message, phone, voicemail, call recording, and scheduling systems;
• Customer relationship management systems and similar third-party platforms;
• Secure forms, secure upload tools, e-signature tools, provider or carrier systems, and referral workflows;
• Medicare-related timing or inquiry forms that may collect birth month/year, but not full DOB or Medicare numbers.

This Policy does not replace the privacy notices or terms of licensed insurance professionals, agencies, carriers, general agencies, Medicare-related partners, Affordable Care Act (ACA)/Marketplace partners, benefits administrators, payroll providers, health plans, health care providers, or other third parties. Those parties may operate under their own privacy practices and legal obligations.

Website and device information

Contact information

Benefits-interest and inquiry information

Employer or business information

Medicare-related timing information

Communications information

Consent and compliance records

Third-party and referral-source information

Do not submit the following through public website forms, ordinary email, SMS/text message, voicemail, or general inquiry tools unless an appropriate secure method or licensed provider workflow is provided:

• Social Security numbers;
• Medicare numbers;
• Full dates of birth unless specifically required by a secure provider workflow;
• Medical records, claim documents, diagnosis details, prescription lists, or medical histories;
• Bank account information;
• Full employee census files or dependent medical details;
• Insurance claim history or other highly sensitive personal information.

For Medicare-related inquiries on our public forms, we intend to collect birth month/year rather than full date of birth unless a separate secure and compliant workflow requires more information.

• Respond to inquiries and route users to appropriate information or next steps;
• Provide education about benefits, insurance-related topics, Medicare timing, and related services;
• Connect users with appropriate licensed insurance professionals, agencies, carriers, vendors, or service providers when applicable;
• Schedule calls, send confirmations, provide reminders, and manage follow-up;
• Maintain consent, opt-out, source, and compliance records;
• Operate, secure, troubleshoot, analyze, and improve the website and form flows;
• Detect fraud, abuse, security incidents, misuse, unauthorized access, or inaccurate submissions;
• Comply with legal, regulatory, contractual, audit, recordkeeping, and dispute-resolution obligations.

Operators Advantage may use third-party systems to operate the website, manage inquiries, store form submissions, send communications, schedule calls, track consent records, route requests, and support service workflows. These systems may include CRM platforms, email/SMS tools, call tracking tools, call recording tools, scheduling tools, secure form tools, analytics providers, hosting providers, cloud storage, and provider or carrier systems.

When you submit information, your information may be transmitted to, stored by, or processed within those third-party systems. Some vendors may process information on our behalf. Other parties, such as licensed insurance professionals, agencies, carriers, benefits administrators, Medicare-related partners, Affordable Care Act (ACA)/Marketplace partners, or other providers, may process information under their own privacy policies, contracts, legal obligations, and security programs.

Licensed professionals, agencies, carriers, and providers

Technology and service vendors

Medicare-related partners or licensed professionals

Legal, regulatory, security, and business purposes

Business transactions

We do not sell Social Security numbers, Medicare numbers, medical records, claim documents, diagnosis details, prescription lists, full employee census files, sensitive health information, or nonpublic personal financial information to unrelated third-party marketers or data brokers.

We do not sell your public-form submission data for unrelated third-party marketing. We may share information with licensed professionals, agencies, carriers, vendors, or service providers to respond to your request, route your inquiry, provide education, operate our website, manage communications, comply with law, or support services you request. Some privacy laws define certain advertising, analytics, lead-routing, or cross-context behavioral advertising practices as a "sale," "sharing," or "targeted advertising" even where money is not exchanged. If our practices trigger those laws, we will provide required notices and opt-out mechanisms.

Because some inquiries may relate to insurance, benefits, Medicare, or financial products, some information may later become subject to insurance privacy, financial privacy, or Gramm-Leach-Bliley Act ("GLBA") requirements when handled by a licensed professional, agency, carrier, or other regulated provider.

If we collect or route information in a workflow that is subject to GLBA or similar state insurance privacy laws, we will handle the information consistent with applicable legal requirements and the relevant provider workflow. Where applicable law provides an opt-out right for certain sharing with nonaffiliated third parties outside legal exceptions, we will provide a method to exercise that right.

Operators Advantage is not a health care provider and does not intend to collect medical records, diagnosis information, claims documents, prescriptions, or other protected health information (PHI) through public website forms. If a licensed provider, health plan, carrier, Medicare-related partner, or other regulated entity requires health information through a secure and compliant workflow, that party may have its own privacy notice and legal obligations.

If you submit a Medicare-related inquiry, our public forms may request birth month/year for timing help. Submitting a Medicare-related inquiry does not enroll you in Medicare, Medicare Advantage, Medicare Supplement, Part D, or any other plan and does not guarantee eligibility, availability, benefits, premiums, or coverage.

Any Medicare plan-specific discussion, quote, comparison, recommendation, application, or enrollment may require separate disclosures, call recording where required, a Scope of Appointment or other compliant process, and involvement of an appropriately licensed insurance professional or other authorized provider.

Where appropriate, we seek to use vendors and service providers that maintain reasonable administrative, technical, and physical safeguards. Depending on the type of information involved and applicable law, we may require vendors or partners to agree to contractual terms addressing permitted uses of information, confidentiality, data security, access controls, breach or security incident notification, subcontractor restrictions, return or deletion of information, assistance with privacy-rights requests, and restrictions on selling or sharing personal information.

No vendor, CRM, carrier system, communication system, secure form tool, or cloud system can be guaranteed to be error-free, uninterrupted, or immune from unauthorized access.

If we become aware of a security incident involving information we control, we will review the incident and take steps required by applicable law, contract, and vendor obligations. If a security incident occurs within a third-party CRM, licensed provider, agency, carrier, communication vendor, secure form vendor, or other service provider, that third party may have its own investigation, notice, reporting, and remediation obligations. We may cooperate with the third party as appropriate, but we do not control every third-party system, investigation, timeline, or notification process.

We may use cookies, analytics tools, tags, scripts, pixels, and similar technologies to operate the website, remember preferences, understand site traffic, measure marketing performance, improve user experience, analyze form performance, and support security and fraud prevention.

We should not use retargeting, session replay, heatmaps, or advertising pixels on sensitive intake pages unless reviewed and approved for privacy compliance. Where required by law, we will provide cookie notices, opt-out tools, or "Do Not Sell or Share My Personal Information" or "Your Privacy Choices" mechanisms.

By submitting your contact information, you authorize us to contact you about your inquiry, requested services, benefits education, Medicare-related inquiry, scheduling, and related matters. We may use third-party communication vendors to manage these communications and related consent records.

Marketing text messages require separate consent where required. Consent to marketing texts or automated marketing calls is not a condition of purchasing any product or service. You may opt out of marketing emails by using the unsubscribe link. You may opt out of text messages by replying STOP. You may request that we stop calling you by telling us during a call or contacting us at the contact information listed below.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent will not be shared with any third parties.

We do not use ringless voicemail at launch. If we later choose to use ringless voicemail, we will update our consent language and obtain any consent required by applicable law before using that channel.

Calls may be monitored or recorded for quality, training, compliance, documentation, and service purposes where permitted by law. Message and data rates may apply. Message frequency may vary. Carriers are not responsible for delayed or undelivered messages.

Depending on where you live and whether a particular law applies to us or the relevant data, you may have rights to know what personal information we collect; access information; correct inaccurate information; delete certain information; obtain a copy of certain information; opt out of certain sale, sharing, targeted advertising, or profiling; limit certain uses of sensitive personal information; and appeal a privacy-rights decision.

Some information may be exempt from state privacy laws because it is regulated by GLBA, HIPAA, insurance laws, employment/benefits laws, or other legal frameworks. To submit a privacy request, contact us at info@joinoanow.com. We may need to verify your identity and authority before fulfilling a request. We will not discriminate against you for exercising privacy rights.

• Access controls and role-based permissions where available;
• Multi-factor authentication where available;
• Secure form or upload workflows where appropriate;
• Vendor review and contractual safeguards where appropriate;
• Encryption where appropriate;
• Restricted access to sensitive files;
• Employee/contractor confidentiality obligations;
• Retention controls and incident response procedures.

No system is 100% secure. You should not send sensitive information through unsecured channels.

We retain information for as long as reasonably necessary to respond to inquiries; provide services; maintain consent records; support requested workflows; comply with legal, regulatory, tax, audit, or recordkeeping obligations; resolve disputes; enforce agreements; and protect legal rights.

Consent records, source records, communication records, and service records may be retained after a user opts out of marketing where retention is necessary for legal, compliance, audit, or dispute purposes.

Our website and services are intended for adults and business users. We do not knowingly collect personal information from children under 13 through our website. Dependents may be discussed only through an appropriate licensed provider, carrier, or secure workflow when provided by an authorized adult.

Our website may link to third-party websites, licensed professionals, agencies, carriers, scheduling tools, Medicare-related partners, provider portals, or other platforms. We are not responsible for the privacy practices, content, security, or terms of those third parties.

We may update this Privacy Policy from time to time. The updated version will be posted with a new “Last Updated” date. Your continued use of our website or services after the updated Policy is posted means you acknowledge the updated Policy.

Gig Wise Holdings LLC

Putnam County, Florida

Phone: 855-437-8236

Privacy and legal email: info@joinoanow.com

Website/legal page: https://joinoperatorsadvantage.com/privacy-policy

These Terms of Service ("Terms") are a legally binding agreement between you and Gig Wise Holdings LLC, operating Operators Advantage ("Operators Advantage," "we," "our," or "us"). These Terms govern your access to and use of our website, forms, educational tools, content, communications, scheduling, lead-intake, referral, and related services. By using the website, submitting a form, scheduling a call, texting us, emailing us, or otherwise interacting with us, you agree to these Terms and our Privacy Policy. If you use the services on behalf of a company, employer, organization, or other entity, you represent that you have authority to act for that entity.

Operators Advantage is a marketing, education, lead-intake, and referral website. We may provide educational information, collect basic inquiry information, route requests, and connect users with appropriate licensed insurance professionals, agencies, carriers, vendors, or service providers when applicable. We do not underwrite, issue, bind, administer, renew, cancel, service, or pay claims on insurance policies.

Website content, emails, calls, guides, calculators, examples, articles, and other materials are for general informational purposes. We do not provide legal advice, tax advice, medical advice, financial planning, investment advice, Employee Retirement Income Security Act (ERISA) fiduciary advice, payroll tax advice, Section 125 plan legal advice, or Medicare plan-specific advice. Users and businesses should consult appropriate licensed professionals, attorneys, CPAs, payroll providers, benefits counsel, carriers, or authorized advisors before making decisions.

Forms, calculators, checklists, and educational tools are designed to help users understand general topics and route users to a possible next step. They do not replace a licensed insurance professional, guarantee eligibility, guarantee coverage, guarantee claim payment, interpret medical conditions, or make carrier underwriting, billing, eligibility, or claim decisions.

Any quotes, proposals, comparisons, estimates, benefit summaries, examples, or plan information provided by third parties are not guarantees. Coverage, rates, benefits, limitations, exclusions, waiting periods, issue ages, participation requirements, underwriting requirements, effective dates, renewability, availability, and eligibility may vary by carrier, provider, state, applicant, employer group, and applicable law. The licensed professional, agency, carrier, or provider is responsible for its own products, disclosures, applications, enrollment workflows, underwriting, billing, claims, and service obligations.

We may allow users to submit Medicare-related education or timing inquiries. Public forms may collect birth month/year for timing help, but do not collect Medicare numbers, Social Security numbers, prescription lists, claim documents, diagnosis information, medical records, or full dates of birth through general public forms. Submitting a Medicare-related inquiry does not enroll you in Medicare, Medicare Advantage, Medicare Supplement, Part D, or any other plan and does not guarantee eligibility, availability, benefits, premiums, or coverage. Any Medicare plan-specific discussion, quote, comparison, recommendation, application, or enrollment may require separate disclosures, call recording where required, a Scope of Appointment or other compliant process, and involvement of an appropriately licensed insurance professional or authorized provider.

You agree to provide accurate, current, and complete information; update information if it changes; use secure channels when requested; not submit false, fraudulent, misleading, or unauthorized information; not impersonate any person or entity; not misuse the website, forms, systems, or tools; not interfere with security features; not attempt unauthorized access; not upload malicious code; and not use the services to violate any law or third-party right.

Do not submit Social Security numbers, Medicare numbers, full dates of birth, medical records, claim documents, diagnosis information, prescription lists, bank account information, or full employee census files through public website forms, ordinary email, SMS/text message, voicemail, or general inquiry tools. If sensitive information is needed, an appropriate secure method or licensed provider workflow should be used.

We may use third-party systems to operate the website, manage inquiries, track consent records, schedule calls, send communications, route requests, and support related workflows. These systems may include CRM platforms, website hosting providers, email/SMS tools, call tracking systems, call recording tools, scheduling tools, secure form or upload tools, cloud storage providers, analytics vendors, licensed provider systems, agency systems, carrier systems, and other vendors. You understand that we do not own, operate, or control every third-party system used in connection with communications, referrals, provider routing, document handling, or service workflows.

The services may connect you with third-party licensed insurance professionals, agencies, carriers, general agencies, Medicare-related partners, Affordable Care Act (ACA)/Marketplace partners, benefits administrators, payroll providers, vendors, or other service providers. Any policy, plan, quote, recommendation, application, enrollment, product, service, or transaction with a third party is between you and that third party unless a separate written agreement says otherwise. We are not responsible for a third party’s licensing status, underwriting decisions, pricing, coverage terms, product wording, service performance, claims handling, payment processing, system availability, data-entry errors, or legal compliance, except to the extent liability cannot be excluded under applicable law.

We may use third-party CRM and communications platforms to manage leads, contacts, appointment reminders, emails, text messages, calls, follow-up workflows, opt-in records, opt-out records, and other communications. By submitting your contact information, you authorize us and our service providers to use third-party systems to contact you regarding your inquiry, scheduling, education, referrals, reminders, and related matters. Where required, marketing texts or automated marketing calls require separate consent. Consent to receive marketing texts or automated marketing calls is not required to buy any product or service. You may opt out of text messages by replying STOP and may opt out of marketing emails by using the unsubscribe link.

Calls may be monitored or recorded for quality, training, compliance, documentation, and service purposes where permitted by law. By continuing a call after receiving a recording notice, you consent to the call being monitored or recorded where consent is required.

We do not use ringless voicemail at launch. If we later choose to use ringless voicemail, we will update our disclosures and obtain any consent required by applicable law before using that channel.

We may rely on third-party systems to process, store, transmit, or maintain information. We seek to use vendors that maintain reasonable safeguards where appropriate, but no system can be guaranteed to be error-free, uninterrupted, or immune from unauthorized access. To the fullest extent permitted by law, we are not liable for unauthorized access, loss, disclosure, corruption, unavailability, or misuse of information caused by third-party systems, vendors, licensed professionals, agencies, carriers, communication providers, or other third parties outside our reasonable control. This section does not limit any rights you may have under applicable privacy, data-security, consumer protection, insurance, or other laws that cannot be waived.

You agree that we may provide notices, agreements, disclosures, records, reminders, and other communications electronically where permitted by law. You agree that electronic communications satisfy any legal requirement that such communications be in writing, except where law requires otherwise.

By providing your mobile number and affirmatively opting in, you agree to receive recurring automated informational and marketing text messages from Operators Advantage regarding our services, benefits resources, requested information, and related follow-up.

Message frequency varies. Message and data rates may apply. Consent to receive text messages is not a condition of purchase.

To stop receiving text messages, reply STOP at any time. For assistance, reply HELP or contact Operators Advantage through the contact information provided on this website.

Carriers are not liable for delayed or undelivered messages.

Your use of our text messaging program is also subject to our Privacy Policy.

If we or a third-party platform provide account access, you are responsible for maintaining the confidentiality of your login credentials and for activity under your account. You must notify us promptly if you believe your account, email, phone, or credentials have been compromised.

The Operators Advantage website, content, text, graphics, logos, design, trade dress, images, scripts, guides, forms, tools, workflows, and other materials are owned by Gig Wise Holdings LLC or its licensors and are protected by intellectual property laws. You may use our materials only for personal or internal business evaluation purposes related to our services. You may not copy, reproduce, modify, distribute, sell, scrape, reverse engineer, or exploit our materials without written permission.

If you provide ideas, suggestions, feedback, or recommendations, you grant us the right to use that feedback without restriction or compensation, subject to applicable privacy laws.

The website, tools, content, and services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, uninterrupted operation, error-free operation, system security, and suitability for any particular user, inquiry, employer, employee, group, plan, product, or benefit arrangement. We do not warrant that the website will be uninterrupted or error-free; information will always be current or complete; any provider will contact you; any quote will remain available; any plan will meet your needs; any claim will be paid; or any tax, payroll, Medicare, ERISA, or insurance outcome will occur.

To the fullest extent permitted by law, Gig Wise Holdings LLC, Operators Advantage, and their owners, officers, employees, contractors, agents, vendors, affiliates, and partners will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or lost-profit damages arising out of or related to your use of the website, services, forms, tools, communications, third-party platforms, referrals, provider relationships, or these Terms. To the fullest extent permitted by law, our total liability for any claim arising out of or related to the website, services, tools, communications, or these Terms will not exceed the greater of $100 or the amount you paid directly to us for the specific service giving rise to the claim during the six months before the claim arose. Some jurisdictions do not allow certain limitations, so some limitations may not apply to you.

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Gig Wise Holdings LLC, Operators Advantage, and their owners, officers, employees, contractors, agents, vendors, affiliates, and partners from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or related to your use of the website or services; information you provide; your violation of these Terms; your violation of law; your violation of third-party rights; your unauthorized submission of another person’s data; employer or business data inaccuracies; or your failure to obtain required authority, notices, or consents.

Please read this section carefully. It affects your legal rights. To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or relating to these Terms, the website, services, communications, tools, or your relationship with us will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court if eligible. You and Gig Wise Holdings LLC waive the right to a jury trial. You and Gig Wise Holdings LLC agree that disputes will be brought only on an individual basis and not as a class action, collective action, consolidated action, representative action, or private attorney general action. The arbitration will be administered by the American Arbitration Association (AAA) under its applicable rules. The seat of arbitration will be Putnam County, Florida, unless required otherwise by law. The arbitrator may award individual relief only. This section does not prevent either party from seeking temporary or preliminary injunctive relief in court to protect intellectual property, confidential information, data security, or unauthorized system access.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law or another state’s mandatory consumer protection law applies. Subject to the arbitration provision, any permitted court proceeding will be brought in the state or federal courts located in or serving Putnam County, Florida, unless applicable law requires otherwise.

We may suspend, restrict, or terminate access to the website, forms, tools, communications, or services at any time if we believe you violated these Terms, provided inaccurate information, misused the services, created security risk, or engaged in unlawful or harmful activity.

We may update these Terms from time to time. The updated version will be posted with a new “Last Updated” date. Your continued use of the website or services after updated Terms are posted means you accept the updated Terms.

Questions or legal notices regarding these Terms should be sent to:

Gig Wise Holdings LLC

Putnam County, Florida

Email: info@joinoanow.com

Phone: 855-437-8236

Website/legal page: https://joinoperatorsadvantage.com/terms-of-service