Privacy Policy

Family Benefits Center ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request a quote or contact us through our website
• Apply for insurance coverage
• Subscribe to our newsletter or communications
• Participate in surveys or promotions

This information may include:

• Name and contact information (email, phone number, address)
• Date of birth and Social Security number (for insurance applications)
• Health information (as required for insurance underwriting)
• Financial information (for payment processing)
• Employment and business information (for group health plans)

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website addresses
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and process applications
• Communicate with you about our services
• Process transactions and manage your account
• Improve our website and services
• Send marketing communications (with your consent)
• Comply with legal obligations and industry regulations
• Prevent fraud and enhance security
• Respond to customer service requests

Information Sharing and Disclosure

We may share your information with:

Insurance Carriers

We share your information with insurance companies to obtain quotes and process applications.

Service Providers

We work with third-party service providers who assist us with business operations, such as payment processing, email delivery, and website hosting.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or to protect our rights and safety.

Business Transfers

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

We do not sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases
• Regular security assessments and updates
• Limited access to personal information
• Employee training on data protection

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

Your Privacy Rights

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

• 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 (subject to legal obligations)
• Opt-out: Unsubscribe from marketing communications
• Data portability: Request transfer of your data to another service
• Restriction: Request limitation on how we use your information

To exercise these rights, please contact us at services@familybenefitscenter.com or call us at (463) 263-3583.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website performance and functionality
• Provide personalized content and advertisements

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

Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

HIPAA Compliance

As an insurance broker, we handle protected health information (PHI) in accordance with the Health Insurance Portability and Accountability Act (HIPAA). We maintain appropriate safeguards to protect the privacy and security of your health information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: