Be Smart With Your Money® logoBe Smart With Your Money®

Privacy Policy

Last Updated: September 20, 2026

DEMO DRAFT: Pending legal review

Overview

Be Smart With Your Money LLC ("BSWYM," "we," "us," or "our") respects the privacy of visitors to BeSmartWithYourMoney.com. This Privacy Policy explains the information we may collect through this website, how we may use it, and how an inquiry may be routed to an appropriate professional or service provider.

The website is designed primarily to collect an initial inquiry. Be Smart With Your Money® does not currently use a customer relationship management (CRM) system for website leads. Contact Form information is reviewed so that Be Smart With Your Money® can respond directly or, when appropriate and permitted, connect the visitor with an appropriately qualified independent professional who can respond to the visitor's stated request.

Information You Provide

We may collect information you voluntarily provide through the Contact Form, including your name, telephone number, email address, state or territory, preferred method or time of contact, service category, and the information you include in your message.

FOR YOUR PRIVACY: Please do not submit Social Security numbers, Medicare or Medicaid identification numbers, bank or credit-card information, passwords, detailed medical records, or other highly sensitive personal information through the general Contact Form.

How We Use Contact Information

  • To review and respond to your inquiry.
  • To determine the type of service or professional appropriate for your request.
  • To provide the requested service directly when we are appropriately licensed, appointed, certified, or otherwise authorized to do so.
  • With appropriate permission and subject to applicable law, to provide your inquiry to an appropriately licensed or qualified independent professional, which may include an independent business owner, licensed life and health insurance agent, Medicare professional, or other service representative who can respond to the service you requested.
  • To communicate with you about the inquiry you submitted.
  • To maintain records reasonably necessary for legal, regulatory, compliance, security, and business purposes.

Independent Professionals

Some professionals who may receive an inquiry are independent contractors or independent business owners and are not employees of Be Smart With Your Money LLC. Their licenses, carrier appointments, Medicare contracts, certifications, and service authorizations may differ. Once information is properly provided to an independent professional, that professional may have separate privacy, licensing, carrier, provider, and legal obligations.

Medicare Inquiries

Medicare inquiries are subject to additional federal requirements. Where CMS rules require prior express written consent before personal beneficiary data collected for Medicare marketing or enrollment is shared with another Third-Party Marketing Organization, the required Medicare-specific consent will be obtained before such sharing. The general Contact Form acknowledgement is not intended to replace any Medicare-specific CMS consent requirement.

ACA / Marketplace Inquiries

Submitting the general Contact Form is an initial request for contact only. It is not, by itself, authorization to submit, update, or change a Marketplace eligibility application or enrollment. Any consumer consent and application-review documentation required by the applicable Marketplace must be obtained and maintained separately by the assisting agent or broker.

Automatically Collected Website Information

The website or its technical service providers may automatically receive limited technical information such as IP address, browser or device type, pages visited, referring page, and date/time information for security, operation, and website analytics.

Sharing of Information

We do not disclose Contact Form information merely because someone is part of our business network. Information may be provided to an appropriate independent professional when necessary to respond to the service requested, when the visitor has authorized or requested the connection, and when the disclosure is permitted by applicable law and program rules. We may also disclose information to service providers supporting website operation and communications, or when required by law or necessary to protect legal rights, security, or safety.

Cookies and Analytics

The website may use cookies and similar technologies necessary for website operation, security, preferences, and analytics. The final description of these technologies must be updated by BKND to match the tools actually installed. Where applicable law requires notice or visitor choices, appropriate controls should be provided.

Third-Party Websites

The website may link to insurance carriers, healthcare organizations, essential-service providers, enrollment platforms, replicated websites, or other third parties. Their privacy policies, terms, security practices, and data collection practices apply after a visitor leaves BeSmartWithYourMoney.com.

Security and Retention

We use reasonable measures designed to protect information under our control. No website, email system, or transmission method can be guaranteed to be completely secure. Information is retained for as long as reasonably necessary for the purpose for which it was collected and to satisfy applicable legal, regulatory, contractual, carrier/provider, recordkeeping, or compliance obligations.

Children's Privacy

This website is intended for adults. It is not directed to children under 13, and we do not knowingly solicit personal information directly from children under 13 through the Contact Form. A parent, grandparent, or legal guardian may contact us regarding insurance or planning solutions for a minor.

Privacy Choices and Questions

Depending on applicable law and the nature of the information, individuals may have rights regarding certain personal information. Privacy questions or requests may be directed to Be Smart With Your Money LLC at the contact information below.

Be Smart With Your Money LLC

2227 US Highway 1 South, Ste 222

North Brunswick, NJ 08902-4402

Business Office: 877-847-7731

Fax: 908-679-5261

Legal, Licensing, and Product Disclosures

Be Smart With Your Money® is a multi-service business providing access to insurance, healthcare-related, retirement and legacy solutions, essential services, and small-business solutions. Insurance and other regulated products are offered only through appropriately licensed, certified, appointed, or otherwise authorized professionals. Be Smart With Your Money® may work with independent licensed professionals whose carrier appointments and product authorizations differ. Services may be available throughout the United States and U.S. territories where permitted by applicable law, licensing requirements, carrier/provider authorization, and service availability. Information regarding applicable insurance licensing is available upon request.

1. General Information & Scope: All information, descriptions, examples, and illustrations on this website are for general educational and informational purposes only. They do not constitute individualized legal, tax, investment, medical, or financial advice and do not, by themselves, create a binding contract for insurance, healthcare products, essential services, or other services.

2. Jurisdictional & Product Availability: Coverage, terms, benefit structures, eligibility, underwriting, carrier appointments, and service availability vary by state or territory, provider, product, and individual circumstances. Not all products or services listed on this website are available in every jurisdiction or through every professional affiliated with or referred by Be Smart With Your Money®. Insurance coverage is subject to the underwriting guidelines, policy terms, limitations, approval, licensing, and appointment requirements of the applicable issuing carrier.

3. No Binding Authority: Coverage cannot be bound, initiated, altered, renewed, or cancelled through this website, its general electronic Contact Form, text message, or ordinary email. No insurance policy becomes effective until approved and issued by the applicable insurance carrier in accordance with its requirements. Non-insurance services are subject to the applicable provider's enrollment, eligibility, contract, and service terms.

4. Health Sharing Ministries / Non-Insurance Products: Health-sharing programs, health care sharing ministries (HCSMs), and other alternative health-sharing programs are NOT health insurance policies. They are not regulated in the same manner as traditional health insurance, and payment or sharing of medical bills is not guaranteed. Eligibility for sharing and the sharing of eligible medical expenses are governed by the applicable program's membership guidelines, limitations, exclusions, and terms.

5. Essential Services & Business Solutions: Commercial services, residential and business essential services, utilities, and operational solutions showcased on this website may be provided by independent third-party vendors. Be Smart With Your Money LLC may act as an authorized independent representative, referral source, broker, or agent, as applicable to the particular service, and is not responsible for the direct fulfillment, performance, billing, pricing, or service delivery of independent third-party providers.

6. Medicare / CMS Disclosure: Be Smart With Your Money® works with licensed Medicare professionals whose Medicare carrier contracts and plan appointments may differ by agent and service area. When Medicare plan information is provided, the licensed professional assisting the beneficiary will identify the Medicare organizations and plans that professional is authorized to represent and will provide the then-current CMS-required Third-Party Marketing Organization (TPMO) disclaimer applicable to that Medicare interaction. Be Smart With Your Money LLC is not Medicare, Medicare.gov, or an agency of the federal government. Consumers may contact Medicare.gov, 1-800-MEDICARE, or their local State Health Insurance Assistance Program (SHIP) for information about all available Medicare options.