Privacy Policy

1. Introduction

Fair Financial Solutions ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

We collect information that you provide directly to us, including:

• Contact Information: Name, email address, phone number, mailing address, and ZIP code
• Demographic Information: Age, date of birth, and other relevant demographic details
• Insurance Information: Insurance interests, current coverage details, and specific insurance needs
• Communication Data: Records of correspondence with our team, including emails, phone calls, and text messages
• Technical Data: IP address, browser type, operating system, and website usage information

3. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and recommendations tailored to your needs
• Contact you via phone, email, or text message regarding insurance products and services
• Process your requests and respond to your inquiries
• Compare insurance plans from multiple carriers on your behalf
• Facilitate enrollment in insurance plans
• Send you information about insurance products, policy updates, and enrollment periods
• Improve our website and services based on user feedback and usage patterns
• Comply with legal obligations and industry regulations

4. Telephone Consumer Protection Act (TCPA) Consent

By providing your phone number and submitting a quote request through our website, you expressly consent to receive:

• Telephone calls, including calls using an automatic telephone dialing system or pre-recorded/artificial voice messages
• Text messages (SMS/MMS) to your mobile or landline telephone number
• Communications regarding insurance quotes, policy information, enrollment assistance, and related services

Important: Your consent is not a condition of purchasing any goods or services. You may request a quote or purchase insurance without providing consent to receive automated calls or texts. Standard message and data rates may apply to text messages. Message frequency varies. You can opt out at any time by replying STOP to any text message or by contacting us directly.

5. Information Sharing and Disclosure

We may share your information with:

• Insurance Carriers: We share your information with insurance companies to obtain quotes and facilitate enrollment
• Service Providers: Third-party vendors who assist with our business operations, such as CRM systems and communication platforms
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets

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

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Privacy Rights

You have the right to:

• Access and obtain a copy of your personal information
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of receiving marketing communications
• Revoke consent for automated calls and text messages

To exercise these rights, please contact us using the information provided below.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities and to improve your experience on our website. You can control cookies through your browser settings, but disabling cookies may affect your ability to use certain features of our website.

9. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites and quote platforms. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

10. 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.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.