1 Who We Are
Rezerv ("Rezerv," "we," "us," or "our") is an educational resource and brand operated by Northern Lakes Insurance & Wealth LLC, a licensed insurance agency. Northern Lakes Insurance & Wealth LLC is licensed to sell Medicare Advantage (Medicare Part C) plans and other insurance products in the state of Michigan and other states where licensed.
Rezerv is not affiliated with, endorsed by, or connected to the United States government, the federal Medicare program, or any government agency. Rezerv is a Third-Party Marketing Organization (TPMO) as defined by the Centers for Medicare & Medicaid Services (CMS).
Registered Business: Northern Lakes Insurance & Wealth LLC | Operating Brand: Rezerv | Service Area: Michigan and licensed states
2 Information We Collect
When you submit a form, interact with our website, or respond to one of our advertisements, we may collect the following categories of personal information:
- Identity Information: First name, last name
- Contact Information: Phone number, email address (if provided)
- Demographic Information: Age, ZIP code, county of residence
- Insurance-Related Information: Medicare eligibility status, current plan information (only if voluntarily provided)
- Technical Information: IP address, browser type, device type, pages visited, time on site
- Communication Records: Records of phone calls, text messages, or emails between you and our licensed agents
3 How We Use Your Information
We use the personal information we collect for the following purposes:
- To connect you with a licensed insurance agent who can discuss Medicare Advantage plans available in your Michigan county
- To contact you by phone, text message, or email regarding Medicare plan options, educational events, and workshops
- To determine which Medicare Advantage plans may be available in your service area based on your ZIP code and county
- To provide you with educational materials about Medicare Part C, HIDE/FIDE plans, and related benefits
- To comply with CMS marketing regulations and TPMO requirements
- To improve our website, advertising, and outreach based on anonymized analytics data
We will never use your information to make automated enrollment decisions. Submission of this form does not enroll you in any insurance plan. A licensed agent will contact you to discuss your options.
4 Telephone Consumer Protection Act (TCPA) Consent
By submitting your phone number through any Rezerv or Northern Lakes Insurance & Wealth LLC form, advertisement, or landing page, you expressly consent to be contacted by a licensed insurance agent at the phone number you provided, including through:
- Automated telephone dialing systems (ATDS)
- Pre-recorded or artificial voice messages
- SMS or text messages
- Live agent telephone calls
This consent applies even if your phone number is listed on a federal or state Do Not Call (DNC) registry.
Your consent to be contacted is NOT a condition of purchasing any insurance product or service. You may revoke your consent at any time by replying STOP to any text message, by requesting removal during any phone call, or by contacting us directly. Message and data rates may apply.
5 How We Share Your Information
We do not sell your personal information to third-party data brokers or marketing companies. We may share your information only in the following limited circumstances:
- Licensed Insurance Agents: We share your contact information with licensed insurance agents employed by or contracted with Northern Lakes Insurance & Wealth LLC for the purpose of discussing Medicare Advantage plan options with you.
- Insurance Carriers: If you choose to enroll in a plan, your information will be shared with the applicable insurance carrier as required for enrollment processing.
- Service Providers: We use third-party technology vendors who process data on our behalf under strict data processing agreements.
- Legal Requirements: We may disclose your information if required by law, regulation, court order, or CMS compliance requirements.
We represent 3 insurance organizations offering 30+ Medicare Advantage plans in qualifying Michigan counties.
6 Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including as long as required by state insurance regulations and CMS record-keeping requirements (typically a minimum of 10 years for Medicare marketing records).
7 Your Rights & Choices
Depending on your state of residence, you may have the following rights regarding your personal information:
- Right to Access: Request a copy of the personal information we hold about you
- Right to Correct: Request correction of inaccurate personal information
- Right to Delete: Request deletion of your personal information, subject to legal retention requirements
- Right to Opt Out of Marketing: Opt out of receiving marketing communications from us at any time
- Right to Revoke TCPA Consent: Revoke consent to be contacted by automated means at any time
8 Cookies & Tracking Technologies
Our website uses cookies and similar tracking technologies including analytics cookies and the Meta (Facebook) Pixel to measure advertising effectiveness. You can control cookies through your browser settings.
9 Children's Privacy
Our services are intended exclusively for adults aged 65 and older, or adults approaching Medicare eligibility. We do not knowingly collect personal information from anyone under the age of 18.
10 Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. No method of transmission over the internet is 100% secure.
11 TPMO Disclosure
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, to get information on all of your options. TTY users should call 1-877-486-2048.
Rezerv is operated by Northern Lakes Insurance & Wealth LLC, a licensed Third-Party Marketing Organization (TPMO). We represent 3 organizations offering 30+ Medicare Advantage plans in qualifying Michigan counties. Plan availability, benefits, premiums, and cost-sharing vary by county and change annually.
12 Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or CMS regulations. We encourage you to review this policy periodically.
13 Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:
- Company: Northern Lakes Insurance & Wealth LLC (operating as Rezerv)
- Email: privacy@northernlakesinsurance.com
- Phone: [Your Agency Phone Number]
- Mailing Address: [Your Agency Mailing Address]
For Medicare-related inquiries: Medicare.gov | 1-800-MEDICARE (1-800-633-4227) | TTY: 1-877-486-2048