Privacy Policy

Effective Date: June 17, 2026

At Lopez Advisory LLC, we are committed to safeguarding the privacy and confidentiality of our clients and site visitors. This Privacy Policy details how we collect, use, share, and protect your personal information when you access our digital systems or submit lead inquiries.

1. Information We Collect

To provide professional independent brokerage services, we may collect the following information during your intake, quote requests, or callback submissions:

  • Identifying Information: First and last name.
  • Contact Information: Phone number and email address.
  • Date of Birth & Sensitive Identifiers: Date of birth (DOB) and Social Security Number (SSN), collected strictly when required for policy underwriting, rating verification, and secure exchange enrollments.
  • Household & Financial Demographics: Estimated household income and household size, collected strictly to determine eligibility for federal ACA marketplace tax credits and subsidies.
  • Risk and Coverage Demographics: Zip code and local county parameters.
  • Product Interests: Preference for Health, Life, Medicare, or Supplemental coverage.
  • Technical Data: IP address, device type, browser information, and automated security verification indicators (via Google reCAPTCHA).

2. Data Security & Minimization

Unlike standard web agencies, Lopez Advisory LLC operates under strict DATA MINIMIZATION and zero-retention principles to protect your details from digital exposure:

  • Temporary Vault: Raw client intake data received through this platform is kept in a secure, encrypted temporary database only until it has been processed and transferred to our secure, compliance-ready Customer Relationship Management (CRM) platform, after which it is redacted from this web portal.
  • Compliance Alignment: Full, encrypted audit logs are maintained for all access controls, database queries, and administrative updates to protect client Protected Health Information (PHI) in alignment with federal security standards.
  • No Sale of Data: We do not sell, rent, lease, or distribute your personal details to third-party advertising or marketing companies.
  • Underwriting & Exchanges: Your demographic and contact data is shared exclusively with licensed insurance carriers and authorized marketplace enrollment systems (such as Connect for Health Colorado and HealthSherpa) solely to retrieve accurate plan rates and process requested applications.

3. How We Use Your Data

Your information is processed exclusively for the following operations:

  • Evaluating insurance options across certified state and private marketplaces.
  • Delivering requested callbacks, SMS updates, and policy quotes.
  • Verifying submission authenticity via Google reCAPTCHA v3 (subject to the Google Privacy Policy and Terms of Service).
  • Complying with regional state licensing boards and CMS disclosure guidelines.

4. TCPA Telecommunications Consent & SMS Privacy

By providing your telephone number on any lead capture module, intake form, or callback request on this site, you extend your PRIOR EXPRESS WRITTEN CONSENT authorizing a licensed broker representing Lopez Advisory LLC to contact you directly using voice calls, text messages (SMS), or electronic mail. Consent is completely voluntary and is not a condition of purchasing any insurance products or services. Message and data rates may apply. Message frequency varies. You may opt-out at any time by replying STOP to any text message.

SMS Opt-In Privacy Policy Exclusions: We value your privacy and do not engage in sharing text messaging originator opt-in data. No mobile information, phone numbers, or consent data will be shared, sold, rented, or leased with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Colorado Privacy Act (CPA) Consumer Rights

Under the Colorado Privacy Act (CPA), Colorado residents have specific statutory rights regarding their personal data. These include:

  • Right to Access: The right to confirm whether we process your personal data and obtain a copy of the specific information processed.
  • Right to Correction: The right to request corrections to any inaccurate or incomplete personal information.
  • Right to Deletion: The right to request the deletion of personal data provided by or obtained about you.
  • Right to Opt-Out: The right to opt-out of data processing for purposes of targeted advertising, sale, or profiling. Because we do not sell your data or engage in targeted behavioral advertising, your information is never processed for these purposes.

To exercise any of these rights, please submit a request to admin@lopezadvisory.agency. We will process and respond to your request in accordance with applicable state timelines.

6. Zero Cookie Policy & Session Security

To guarantee absolute privacy, Lopez Advisory LLC operates under a strict ZERO-COOKIE POLICY for public visitors:

  • No Tracking Cookies: We do not use cookies, tracking pixels, beacons, or third-party advertising scripts to track your behavior across the web.
  • Essential Local Storage: We utilize HTML5 Local Storage solely for essential web security and session state maintenance (such as keeping authentication secure for logged-in advisors and managing temporary inputs within our secure intake forms). This data is stored locally within your browser and is never transmitted to advertising networks.

7. Government Non-Affiliation

Lopez Advisory LLC is a privately owned commercial independent insurance brokerage. We are not connected with, endorsed by, or affiliated with the federal government, the Department of Health and Human Services (HHS), the federal Medicare program, or Connect for Health Colorado.

8. Contact Us

If you have any questions regarding this Privacy Policy or wish to request data deletion, contact us directly at:

Lopez Advisory LLC
1500 N GRANT ST #7118, Denver, CO 80203
Direct Line: (720) 899-1156
Email: admin@lopezadvisory.agency

Lopez Advisory LLC · Founded by Lorenzo Lopez

Corporate Intake Inquiries:

Direct Line: (720) 899-1156

Secure Mail: admin@lopezadvisory.agency

Headquarters: 1500 N GRANT ST #7118, Denver, CO 80203

Advisory Operations

Monday – Friday, 6:00 PM – 10:00 PM MST

Saturday – Sunday, 2:00 PM – 10:00 PM MST

Consumer Support TTY Connection: 711

State Licensing & Scope: Lopez Advisory LLC is a registered corporate business entity operating as a licensed, independent insurance broker framework within the State of Colorado. All initial evaluations, digital form handshakes, and advisor communications are conducted exclusively under the professional authority of our resident Colorado producer qualifications. Plan availability, rate variables, and premium calculations are dictated solely by localized underwriting guidelines, geographic zip codes, and carrier network maps.

TCPA Contact Authorization: By selecting “Submit Health Intake” or providing your telephone number and email address on any custom intake module within lopezadvisory.agency, you certify that you are the primary subscriber of the provided account numbers. You extend explicit, prior express written consent authorizing a licensed independent broker representing Lopez Advisory LLC to reach out to you directly using voice calls, text messaging (SMS), or secure electronic mail using the provided data coordinates. You acknowledge that consent is completely voluntary and is not a direct requirement or condition to purchase any insurance policies or asset structures. This outbound communication clearance remains voluntary and is valid for exactly 12 months from the submission date unless revoked.

Medicare TPMO & Government Non-Affiliation Disclosure: We do not offer every plan available in your area. Currently we represent 0 organizations which offer 0 products nationally. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Lopez Advisory LLC is a privately owned commercial independent brokerage system. We are completely independent and are not connected with, endorsed by, or affiliated with the United States Government, the federal Medicare program, the Social Security Administration, or the Centers for Medicare & Medicaid Services (CMS).
ACA Marketplace Disclosure: Lopez Advisory LLC is a private, consumer-facing agency infrastructure and is not owned, operated, endorsed by, or affiliated with the federal government, the Department of Health and Human Services (HHS), or the Connect for Health Colorado state exchange. To review the official catalog of qualified marketplace health options within your specific Colorado county outside of our private portfolio systems, please navigate directly to connectforhealthco.com.
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Copyright © 2025-2026 Lopez Advisory LLC. All rights reserved. | Colorado License #932244 | NPN #22112812 | Not affiliated with any government agency.