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Privacy Policy & Terms and Conditions

Effective Date: January 1, 2026

This Privacy Policy and Terms and Conditions (“Agreement”) governs your use of this website, operated by: AdvanceSeniorOptions (“Agent,” “we,” “our,” or “us”), an independent agent contracted with WKM, Inc., doing business as We Know Medicare (“WKM”).
This website is intended for individuals seeking information about Medicare insurance products and services offered by Krista Grubb-Barber.

Privacy Policy

1. Information We Collect

We may collect the following information when voluntarily submitted through this website:

  • Full name
  • Email address
  • Phone number
  • State of residence
  • Any additional information submitted via contact or inquiry forms

We collect this information when you:

  • Submit an inquiry or contact form
  • Request information about Medicare plans or products
  • Schedule an appointment or consultation
  • Contact us directly

2. How We Use Information

We use submitted information to:

  • Respond to your inquiries
  • Provide information about Medicare plans and products
  • Schedule and confirm appointments
  • Communicate via phone, email, or SMS regarding your inquiry
  • Provide requested materials and follow-up information

We do not sell, rent, or trade your personal information.

3. SMS and Communication Consent

If you provide your phone number, you consent to receive calls and text messages from Krista Grubb-Barber regarding:
  • Your inquiry
  • Appointment scheduling and reminders
  • Plan and product information
  • Follow-up communications

 

Message frequency varies. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP, or get help by replying HELP. Consent to receive communications is not a condition of receiving services.

4. Information Sharing

We may share your information with:

  • Insurance carriers, as necessary to provide requested plan information or process enrollment
  • WKM, Inc., our contracted upline agency, for compliance, support, and operational purposes
  • Service providers assisting with CRM, compliance, and communication systems

All third-party service providers are required to maintain appropriate data security safeguards.

5. Data Security

We implement reasonable administrative and technical safeguards to protect submitted information. However, no online transmission method is guaranteed to be completely secure.

6. Cookies and Analytics

We may use cookies or analytics tools to improve website performance, analyze traffic, and enhance user experience. You may adjust cookie preferences through your browser settings.

7. Third-Party Links

This website may contain links to third-party websites. Krista Grubb-Barber is not responsible for the privacy practices of those sites.

8. Updates to This Policy

This Privacy Policy may be updated periodically. Updates will be reflected by a revised effective date.

Terms and Conditions

1. Acceptance of Terms

By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please discontinue use of the website.

2. Business Purpose

This website is intended to provide information about Medicare insurance products and services offered by Krista Grubb-Barber, an independent, licensed insurance agent. Nothing on this website constitutes a guarantee of plan availability, eligibility, enrollment, or coverage.

3. Agent Status

Krista Grubb-Barber is an independent insurance agent.
Licensed States: TX
National Producer Number (NPN): 21185089. Products and services are offered independently and are not an endorsement by any specific insurance carrier unless otherwise stated.

4. Carrier Representation

Krista Grubb-Barber may represent multiple insurance carriers to market and sell insurance products. Carrier availability, plan benefits, and eligibility requirements vary by state and product line.

5. Communications

By submitting your contact information, you consent to be contacted by Krista Grubb-Barber via phone, email, and/or SMS/text message. You may opt out of SMS at any time by replying STOP, or get help by replying HELP. Messaging frequency may vary.

6. Intellectual Property

All content, branding, and materials on this website are the property of AdvanceSeniorOptions and/or WKM, Inc., and may not be reproduced without written permission.

7. Limitation of Liability

Krista Grubb-Barber shall not be liable for any indirect, incidental, or consequential damages arising from use of this website.

8. Governing Law

These Terms shall be governed by the laws of the State of Texas.

Contact Information

Krista Grubb-Barber
AdvanceSeniorOptions
(940) 353-1599
barberkrista5@gmail.com