By using this website you agree to the Privacy Policy

Privacy Policy

In general, people may visit Krempa Associates, Inc’s (“Krempa”) web sites (“Site(s)”) and access information while remaining anonymous and not revealing any personal information. In order to provide you with relevant, desired information concerning products or services, Krempa will, at times, request information from you, also. Prior to collecting such information, Krempa will explain the purpose for which the information will be used.

Unless we specifically disclose it to you at the time of collection, Krempa does not provide any personally identifying information, regardless of its source, to any third party. Krempa’s purpose for gathering the information is to understand you better and also to make you aware of new products or offers in which you may be interested. Any time you provide us with information, you will be able to indicate whether you want to receive additional information from Krempa.

Krempa will not collect information from people who identify themselves as being under 18 years of age in areas of the Site that may be of interest to children. Krempa encourages parents to take an active role in their children’s use of the Internet. Several software packages are available to help parents actively manage their family’s use. People under 18 years of age may ask their parents to submit a request for information on their behalf.

While IP addresses (the Internet address of a computer) are logged to track a user’s session, the user remains anonymous. We analyze this data for certain trends and statistics, such as which parts of our Site users are visiting and how long they spend there. We do not link your IP addresses to anything personally identifiable to you.

Krempa may use “cookie” technology only to obtain non-personal information from its on-line visitors to improve the on-line experience. If you do not wish to have a cookie set when visiting Krempa’s Sites, you may alter the settings in your browser to prevent them. You will then be alerted each time a cookie is being sought and opt whether or not you wish to allow one to be set. This alert will show you how the cookie is being used and how long the information will be retained. If, however, you do not accept cookies, some web pages may not display properly or you may not be permitted to access certain information.

Krempa respects and protects your personal information. Krempa will take appropriate steps to respect and protect the information you share with us. Whenever you give Krempa sensitive information (credit card numbers, for instance), Krempa will take commercially reasonable steps to establish a secure connection with your web browser. Credit card numbers are used only for payment processing and are not retained for marketing purposes.

The information contained is for general use and it is not intended to cover all aspects of a particular matter. Neither the information presented nor any opinion expressed constitutes a representation by us or a solicitation of the purchase or sale of any securities. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. Entities or persons distributing this information are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

*Medicare Disclosure: We do not offer every plan available in your area.  Any information we provide is limited to those plans that we do offer in your area.  Please contact or 1-800-MEDICARE to get information on all of your options.

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