Legal

Privacy Policy

How we collect, use, and protect your personal information.

Effective date: August 20, 2026

Hybrid LTC Quote ("we," "us," or "our") operates the website at hybridltcquote.com. This Privacy Policy explains what information we collect when you use our site, how we use it, and the choices you have.

Information We Collect

Information you provide

When you submit our quote request form, we collect:

  • First and last name
  • Email address
  • Phone number
  • Age
  • State of residence
  • Spouse or partner's age (if you choose to include them)
  • SMS opt-in preference

This information is used solely to generate long-term care insurance quotes and connect you with a licensed specialist who can answer your questions.

Information collected automatically

When you visit our site, we may automatically collect:

  • IP address
  • Browser type and version
  • Pages visited, time spent, and referring URL
  • Device type and operating system

This data is collected through cookies and similar technologies and is used to understand how visitors use the site and to improve the experience.

How We Use Your Information

We use the information we collect to:

  • Generate and deliver long-term care insurance quotes from multiple carriers
  • Connect you with a licensed insurance specialist
  • Respond to your questions or follow up on your request
  • Send a confirmation text message, if you opt in to SMS
  • Improve our website and services

How We Share Your Information

We do not sell, rent, or trade your personal information to third-party lead buyers or marketers.

We share your information only in the following circumstances:

  • Insurance specialists. Your quote request is shared with a licensed, independent long-term care insurance specialist who will prepare your quotes and may contact you to discuss your options.
  • Service providers. We use third-party services to operate the site, including hosting, analytics, and communication tools. These providers access your data only to perform services on our behalf and are obligated to protect it.
  • Legal requirements. We may disclose information if required by law or to protect our rights, safety, or property.

Cookies

Our site uses cookies to:

  • Track visitor sessions so we can attribute your quote request to your visit
  • Analyze site traffic and usage patterns
  • Remember your preferences

You can configure your browser to refuse cookies, but some features of the site may not function properly without them.

Text Messages

If you opt in to receive text messages, we may send you a confirmation message with your assigned specialist's contact information. Message and data rates may apply. You can opt out at any time by replying STOP. Opting out of texts does not affect your quote request.

Data Security

We use commercially reasonable measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Third-Party Links

Our site may contain links to other websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any site you visit.

Children's Privacy

Our site is not directed to anyone under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information through our site, please contact us and we will delete it.

Your Choices

You may:

  • Decline to submit personal information (though we won't be able to provide quotes)
  • Opt out of SMS messages by replying STOP
  • Request deletion of your personal information by contacting us
  • Disable cookies through your browser settings

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. Continued use of the site after changes are posted constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or want to request deletion of your data, contact us at the email address provided on our website.