Privacy Policy

Effective Date: November 1, 2025
Last Updated: November 4, 2025

This Privacy Policy describes how Valor Senior Benefits, a DBA of Clover Mill LLC, affiliated with American Entitlements, LLC, (“we,” “us,” or “our”) collects, uses, and protects personal information provided through our website and related online services.

By accessing or submitting information through this website, you consent to the terms of this Privacy Policy.

1. Company Information

Valor Senior Benefits (DBA Clover Mill LLC)
Affiliated with American Entitlements, LLC
3224 Colorado Lane, Sachse, Texas 75048
Phone: (972) 664-4709
For privacy-related inquiries, please contact us through our website contact form.

2. Who We Serve

Our services are intended for U.S. residents aged 18 and older who are eligible for Medicare-related insurance products.

If you are submitting information on behalf of another individual under a Power of Attorney (POA), you represent and warrant that you have legal authority to do so. By providing personal information (such as name, email, or phone number), you affirm that you have the mental capacity to consent to data collection or are an authorized representative with lawful authority.

3. Information We Collect

We collect personal information you voluntarily provide through online forms or interactive tools on our website, including:

• Name

• Email address

• Phone number

We may also automatically collect limited non-personal information through cookies and analytics tools (see “Cookies and Analytics” below).

4. How We Use Your Information

We use the information you provide for the following purposes:

• To respond to your inquiries and provide insurance quotes or information.

• To follow up via phone, text message, or email regarding your Medicare options.

• To provide personalized marketing communications and updates.

• To perform internal analytics and improve our website and services.

• To comply with legal and regulatory requirements.

5. Consent to Contact (TCPA & A2P Compliance)

By submitting your information and checking the consent box on our website form, you expressly agree and consent to receive calls, text messages (SMS/MMS), and emails from Valor Senior Benefits, its licensed insurance agents, and affiliates.

These communications may be sent using an automated dialing system, prerecorded messages, or A2P (Application-to-Person) messaging, as permitted by law.
Message and data rates may apply. You may opt out at any time by replying STOP to text messages or by following the unsubscribe link in emails.

Your consent to receive communications is not a condition of purchasing any goods or services.

6. Cookies and Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and collect aggregate data for site analytics.

We may use third-party analytics and advertising tools — such as Google Analytics and Meta Pixel — to understand user behavior and improve our marketing. These tools may use cookies or other identifiers to collect information about your interaction with our website.

You may disable cookies in your browser settings; however, doing so may affect some site functionality.

7. Data Sharing and Disclosure

We do not sell or rent your personal information.

We may share your data only in the following circumstances:

• With licensed insurance agents or carriers only after you apply for insurance coverage.

• With trusted service providers who assist with website hosting, analytics, or communications.

• When required by law or regulation.

All third-party partners are required to protect your data in accordance with applicable privacy and security standards.

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy:

• Client data: retained for the duration of the client relationship and as required by law.

• Non-client data: retained for up to three (3) years before being securely deleted.

9. Data Security

We take appropriate technical and organizational measures to safeguard your personal information, including:

• Secure, encrypted CRM systems

• Password-protected data access

• Restricted access for authorized personnel only

While no system can guarantee absolute security, we make every reasonable effort to protect your information from unauthorized access, loss, misuse, or disclosure.

10. Your Privacy Choices

You have the right to:

• Opt out of marketing communications at any time.

• Request access to the personal information we hold about you.

• Request deletion of your information, subject to legal or contractual obligations.

To make a request, please contact us through our website contact form, and we will respond within a reasonable timeframe.

11. Children’s Privacy

Our website and services are not directed toward minors under 18 years of age.
If we learn that we have inadvertently collected personal information from a minor, we will promptly delete it unless such information is provided by a lawful Power of Attorney or legal guardian acting on behalf of the minor or disabled individual.

12. Links to Other Websites

Our website may contain links to external sites operated by third parties. We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies.

13. Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices or for legal compliance. The revised version will be posted on this page with an updated “Effective Date.”

14. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

15. Contact Us

For privacy-related questions or requests, please contact Valor Senior Benefits through the website contact form at https://valorseniorbenefits.com/contact-us-9802 .