Freitag Family Insurance Agency LLC Privacy Policy
Last Updated: 3/28/2024
1. Introduction
Freitag Family Insurance Agency LLC (“Company,” “We,” or “Us”) respects your privacy and is committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website [www.freitagfamilyagency.com](https://www.freitagfamilyagency.com) (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
2. Scope of This Policy
This policy applies to information we collect:
* On this Website.
* In email, text, and other electronic messages between you and this Website.
* Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
This policy does not apply to information collected by:
* Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
* Any third party (including our affiliates and subsidiaries), including through any application or content that may link to or be accessible from or through the Website.
Please read this policy carefully to understand our policies and practices regarding your information and how We will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
3. Children's Privacy
Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at 215-436-9353.
4. Information We Collect and How We Collect It
We collect several types of information from and about users of our Website, including information:
* By which you may be personally identified, such as name, postal address, email address, telephone number, other contact methods;
* That is about you but individually does not identify you, such as your interest in different insurance products; and/or
* About your internet connection, the equipment you use to access our Website, and usage details.
We collect this information:
* Directly from you when you provide it to us.
* Automatically as you navigate through the Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies and other tracking technologies.
* From third parties, for example, our business partners and affiliates.
5. How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:
* To present our Website and its contents to you.
* To provide you with information, products, or services that you request from us.
* To fulfill any other purpose for which you provide it.
* To carry out our obligations and enforce our rights, and the rights of our affiliates arising from any contracts entered into between you and us, including for billing and collection.
* To notify you about changes to our Website or any products or services we offer or provide though it.
* To contact you via email, phone, or text message regarding your inquiries, applications, policy information, or marketing with your explicit consent.
* To comply with the ACA guidelines that you have agreed to.
* For any other purpose with your consent.
6. Text, Call, and Email Marketing (Including 10DLC Compliance)
*Consent:**
* We will only send you marketing communications via text, call, or email with your explicit, prior, express written consent.
* For text messaging, this consent will be obtained through a clear and conspicuous opt-in method, which includes:
* Clearly stating the purpose of the text messages.
* Informing you of the message frequency.
* Providing our company name.
* Including clear opt-out instructions.
* We will retain records of your consent.
*Opt-Out:**
* You can opt-out of receiving marketing communications at any time.
* For text messaging, you can opt-out by replying with the keyword "STOP".
* We will honor all opt-out requests immediately.
*No Third-Party Sharing:**
* We will not share your mobile information with third parties/affiliates for marketing/promotional purposes.
* Text messaging originator opt-in data and consent will not be shared with any third parties.
*Purpose of Communications:**
* We will use the contact information you provide to communicate with you about your insurance needs, policy information, application status, and marketing of products or services that you may be interested in.
* All text messaging will adhere to 10DLC regulations, including proper campaign registration and message content guidelines.
*Campaign Registration:**
* We are registered with the necessary mobile carriers and aggregators to send compliant 10DLC messages.
* Our messaging campaigns are registered with the correct use case and comply with all carrier requirements.
*Message Content:**
* All messages will clearly identify our company.
* Marketing messages will include opt-out language, specifically instructing users to reply "STOP" to opt-out.
* We will not send prohibited content as defined by carrier guidelines.
7. Disclosure of Your Information
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may disclose personal information that we collect, or you provide as described in this privacy policy:
* To our subsidiaries and affiliates, without limitation.
* To contractors, service providers, and other third parties we use to support our business.
* To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred.
* To fulfill the purpose for which you provide it. For example, if you give us contact information we or our affiliates may use that information to contact you.
* For any other purpose disclosed by us when you provide the information.
We may also disclose your personal information:
* To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
* To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
* If we believe disclosure is necessary or appropriate to protect our rights, property, or safety or the rights, property, or safety of others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
8. Your State Privacy Rights
State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information. To exercise any of these rights, please contact us at john@freitagfamilyagency.com.
9. Data Security
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
10. ACA Policy Guidelines and Attestations
By interacting with us regarding Affordable Care Act (ACA) related services you agree to the following.
*Data Retrieval Consent:** I agree to have my information used and retrieved from government data sources for this application. I have consent for all people I’ll list on the application for their information to be retrieved and used from government data sources.
*Accuracy of Information:** I understand that I’m required to provide true answers and that I may be asked to provide additional information, including proof of my eligibility for a Special Enrollment Period if I qualify. If I don’t, I may face penalties, including the risk of losing my eligibility for coverage.
*Renewal Consent:** To make it easier to determine my eligibility for help paying for coverage in future years, I agree to allow the Marketplace to use my income data, including information from tax returns, for the next 5 years. The Marketplace will send me a notice, let me make any changes, and I can opt out at any time.
*Tax Attestation:** I understand the tax implications of the Premium Tax Credit, including the requirement to file a federal income tax return, and the potential for reconciliation of advance payments.
*Changes in information:** I understand that I must notify the program of any changes to the information I provided, as these changes may affect my eligibility.
*Other qualifying coverage:** I understand if anyone on my application is enrolled in Marketplace coverage and is later found to have other qualifying health coverage (like Medicare, Medicaid, or CHIP), the Marketplace will automatically end their Marketplace plan coverage.
*Penalty of Perjury:** I’m signing this application under penalty of perjury, which means I’ve provided true answers to all of the questions to the best of my knowledge. I know I may be subject to penalties under federal law if I intentionally provide false information.
11. Changes to This Privacy Policy
We reserve the right to update this privacy policy at any time. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
12. Contact Information
To ask questions or comment about this privacy policy and our privacy practices, contact us at: john@freitagfamilyagency.com or 215-436-9353.