Privacy Policy

1. Introduction

This Privacy Policy explains how FLC Insurance Services Inc. ("we", "us", "our", "Company") collects, uses, discloses, and protects your personal information when you use the AskFLC website and services ("Service", "Platform"). We are committed to complying with all applicable privacy laws, including standards established under 45 CFR § 155.220(c) and (d) and 45 CFR § 155.260.

2. Information We Collect

2.1 Information You Provide

We collect information that you voluntarily provide when using our Service:

• Account Information: Name, email address, phone number, and password
• Profile Information: Additional details you choose to add to your profile
• Communication Data: Messages, questions, and conversations with our AI advisor
• Agent Application Data: For agents applying to be listed, we collect professional credentials, license information, NPN numbers, states licensed, and other professional details
• Contact Preferences: Your communication preferences and consent to be contacted

2.2 Automatically Collected Information

When you access our Service, we automatically collect certain information:

• Usage Data: Pages visited, features used, time spent on pages, and interaction patterns
• Device Information: IP address, browser type, operating system, device identifiers
• Location Data: General geographic location based on IP address
• Cookies and Tracking Technologies: See Section 7 for details

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Insurance agents in our network who interact with you
• Partner platforms (flcins.com, enrollment.cc) when you connect from our Service
• License verification services (e.g., NIPR) for agent credential verification
• Analytics and service providers

3. How We Use Your Information

We use your personal information for the following purposes:

• Provide the Service: Operate the platform, facilitate AI conversations, and connect you with agents
• Communication: Send you service updates, respond to inquiries, and provide customer support
• Marketing: With your consent, send promotional materials about insurance products and services
• Agent Matching: Help connect you with appropriate licensed insurance agents
• Improve Service: Analyze usage patterns to enhance features and user experience
• Compliance: Meet legal obligations and regulatory requirements
• Security: Protect against fraud, abuse, and unauthorized access
• Agent Verification: Verify credentials and maintain accurate agent directory information

4. How We Share Your Information

We may share your personal information in the following circumstances:

4.1 With Insurance Agents

When you express interest in connecting with an agent or request a quote, we share relevant information (name, contact details, insurance interests) with licensed agents who can assist you. By using our Service, you consent to this sharing.

4.2 With Partner Platforms

When you click through to flcins.com or enrollment.cc, we may share necessary information to facilitate your quote request or enrollment process.

4.3 Service Providers

We engage third-party service providers who perform services on our behalf, including:

• Cloud hosting and storage providers
• AI and machine learning service providers
• Email and communication platforms
• Analytics and data analysis services
• Payment processors (for Certified Agent memberships)
• License verification services

4.4 Legal Requirements

We may disclose your information if required by law, court order, or governmental request, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4.5 Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and audits
• Access controls and authentication requirements
• Employee training on data protection
• Incident response procedures

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it. Factors affecting retention periods include:

• Whether you have an active account with us
• Legal, regulatory, or contractual obligations
• Potential legal claims or disputes
• Legitimate business purposes

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. Types of cookies we use include:

• Essential Cookies: Required for the Service to function properly
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Help us understand how users interact with our Service
• Marketing Cookies: Used to deliver relevant advertisements

You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our Service.

8. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Restriction: Request limitation on how we use your information
• Objection: Object to certain types of processing
• Withdraw Consent: Withdraw consent for marketing communications or data processing

To exercise these rights, please contact us at privacy@flcins.com or (800) 459-5750.

9. Children's Privacy

Our Service is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child, please contact us immediately, and we will take steps to delete such information.

10. Third-Party Websites

Our Service contains links to third-party websites, including flcins.com and enrollment.cc. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect, use, and share
• Right to delete personal information we have collected
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your CCPA rights

12. Do Not Track Signals

Some browsers have "Do Not Track" features that allow you to tell websites not to track you. Currently, our Service does not respond to Do Not Track signals.

13. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws different from those in your country. By using our Service, you consent to such transfers.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of the Service after changes constitutes acceptance of the updated Privacy Policy.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: