Rising Tides Benefits Group – Privacy Policy
Effective Date: October 19, 2026
Who we are
Rising Tides Benefits Group is a licensed, independent insurance agency based in St. Augustine, Florida, operated by Brian Sesniak Insurance LLC, DBA Rising Tides Benefits Group. We help individuals, families and employers compare and enroll in health insurance, Medicare, supplemental and related coverage. This policy explains what personal information we collect through rtbenefitsgroup.com, by phone, text, email and in person, how we use it, and the choices you have.
We are not a government agency and are not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov or any state or federal government program.
Information we collect
Information you give us
Contact details: name, phone number, email address, mailing address, date of birth and ZIP code
Household and income details: household size, dependents, estimated income and employment status, used to estimate tax credits and eligibility
Coverage details: current insurance, Medicare number and enrollment dates, doctors, pharmacies and prescriptions
Business details (for employers): company name, number of employees, employee census data and current plan or renewal information
Information needed to apply for coverage, such as Social Security number or tax information, when a carrier or the Marketplace requires it
Anything you choose to share in forms, calls, texts, emails or meetings
Information collected automatically
When you visit our website, our website platform and service providers may collect your IP address, browser and device type, pages viewed, referring website and the date and time of your visit, using cookies and similar technologies.
Information from others
With your permission, we may receive information from insurance carriers, the Health Insurance Marketplace, enrollment platforms or your employer to complete or service your enrollment.
How we use your information
To answer your questions, schedule appointments and contact you as you requested
To compare plans, check provider networks and drug coverage, and estimate costs and tax credits
To submit applications and enrollments to insurance carriers and the Marketplace on your behalf
To service your coverage: renewals, claims and billing questions, income or life changes, and annual reviews
To send reminders about enrollment deadlines and plan changes, if you've agreed to hear from us
To meet our legal, licensing, carrier and regulatory obligations, and to prevent fraud
To operate and improve our website and services
We use health information, such as your doctors and prescriptions, only to help you find and keep the right coverage.
How we share your information
We do not sell your personal information. We share it only as needed to serve you:
Insurance carriers and the Marketplace: when you ask us to quote, apply for or enroll in coverage
Quoting and enrollment platforms: such as HealthSherpa, SunFire, Back9 and UnitedHealthcare/UHOne, when you use their tools through our links or we use them on your behalf
Service providers: companies that help us run our business, such as our CRM and website platform, scheduling, email, phone and texting providers, and web hosting and security. They may use your information only to provide services to us
Your employer's plan: for group benefits, as needed to administer the plan your employer offers
Legal reasons: when required by law, subpoena or regulator, or to protect the rights and safety of you, us or others
Business transfers: if our agency is merged, sold or transferred, your information may transfer with it under this policy
If you're a Medicare beneficiary, we will not share your information with another agent, agency or marketing organization for marketing without your prior express consent.
Text messages
If you give us your mobile number and agree to receive texts, we may text you about appointments, enrollment deadlines, documents we need and your coverage. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Consent to receive texts is not a condition of buying any product or service.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties, except service providers that deliver our messages.
Phone calls and emails
We call or email you when you've asked us to, when you're a current client, or as otherwise permitted by law. For Medicare, we contact you only with your permission and follow CMS marketing rules, including documenting the products you agree to discuss before an appointment. Calls may be recorded for quality, compliance and training purposes, and Medicare-related calls are kept as required by CMS. To stop marketing calls or emails, tell us on the call, use the unsubscribe link in our emails, or contact us using the details below.
Health information and HIPAA
When we work with an employer's group health plan as a business associate, we protect protected health information as required by HIPAA and our agreements with that plan. For individual clients, we treat health information you share as confidential and use it only to help with your coverage.
Cookies and website tools
Our website uses cookies and similar technologies to make the site work, remember your preferences and understand how visitors use it. You can block or delete cookies in your browser settings, though some features may not work. We use Google Analytics to understand site traffic.
Links to other websites
Our site links to carrier and enrollment websites, such as HealthSherpa, SunFire, Back9 and UHOne. Those sites have their own privacy policies, and we're not responsible for their practices. Please review their policies before entering information.
How we protect your information
We use reasonable administrative, technical and physical safeguards to protect your information, including secure systems, limited access by staff who need it, and encrypted connections on our website. No method of transmission or storage is completely secure, so we can't guarantee absolute security.
How long we keep your information
We keep your information as long as needed to serve you and to meet legal, licensing, carrier and regulatory record-keeping requirements, including CMS requirements for Medicare records. When it's no longer needed, we delete or securely destroy it.
Your choices
You can ask us to:
Tell you what personal information we have about you
Correct information that's inaccurate
Delete your information, unless we must keep it for legal, regulatory or contractual reasons
Stop marketing calls, texts or emails
To make a request, contact us using the details below. We may need to verify your identity first.
Children's privacy
Our website is not intended for children under 13, and we don't knowingly collect personal information from them online. We collect information about dependents only from a parent or guardian, to quote or enroll family coverage.
Changes to this policy
We may update this policy from time to time. We'll post the new version on this page with a new effective date.
Contact us
Rising Tides Benefits Group. Phone: (904) 515-5085 Text: (833) 780-0086 Email: [email protected]
© 2026 Rising Tides Benefits Group. All rights reserved.
Serving areas across Florida, Local to St Augustine, Duval, Clay, and Flagler Counties.
Not a government website. Rising Tides Benefits Group is not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health and Human Services, or any federal or state government agency. We do not offer every product available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We are licensed, independent insurance broker. We represent multiple insurance carriers and may receive compensation from the carriers whose plans we sell. This does not affect the cost of your plan.