Fully Protected Insurance Agency ("we," "our," or "us") is committed to protecting your personal information. This Privacy Policy applies to all information collected through our website fullyprotectedins.com, our referral programs, and any related services. By using our website, you agree to the terms of this Privacy Policy.
1 Information We Collect
We may collect the following categories of personal information when you visit our website, submit a quote request, or participate in our referral program:
a) Information You Provide Directly
- Full name
- Phone number and email address
- Mailing address or ZIP code
- Date of birth
- Vehicle information (make, model, year, VIN)
- Driver's license number
- Current insurance information
- Home or property details
- Information about additional drivers or household members
b) Information Collected Automatically
- IP address and browser type
- Pages visited and time spent on our website
- Referring URLs and search terms
- Device type and operating system
- Cookie and session data
c) Information from Third Parties
We may receive information about you from referral partners, insurance carriers, or publicly available sources to help us provide accurate quotes and improve our services.
2 How We Use Your Information
We use the information we collect for the following purposes:
- To provide insurance quotes, policy recommendations, and related services
- To contact you by phone, email, or SMS regarding your inquiry
- To process referral program submissions and distribute rewards
- To improve our website, services, and user experience
- To comply with legal and regulatory requirements
- To detect and prevent fraud, security threats, or unauthorized access
- To send you updates, promotional offers, or newsletters (you may opt out at any time)
- To analyze trends and usage patterns to enhance our offerings
3 How We Share Your Information
We do not sell your personal information to third parties. However, we may share your information in the following limited circumstances:
Insurance Carriers & Underwriters
To obtain quotes and bind policies on your behalf with licensed insurance companies.
Service Providers
Trusted vendors who assist in website operations, data analytics, email delivery, and customer support. These parties are bound by confidentiality agreements.
Legal Compliance
When required by law, court order, or government regulation, or to protect the rights, property, or safety of Fully Protected Insurance Agency, our clients, or the public.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.
SMS Consent & Text Messaging
SMS consent is not shared with third parties or affiliates for marketing purposes. When you provide your phone number and consent to receive SMS messages from Fully Protected Insurance Agency LLC, that consent information is used solely to send you the messages you have agreed to receive. We do not sell, share, or transfer your SMS consent to any third party or affiliate.
4 Data Security
We implement industry-standard technical and organizational measures to protect your personal information. These include:
- SSL/TLS encryption for all data transmitted via our website
- Secure servers with access controls and firewalls
- Regular security assessments and vulnerability scans
- Employee training on data privacy and security practices
- Restricted access to personal data on a need-to-know basis
While we take every reasonable precaution, no method of transmission over the internet is 100% secure. We encourage you to use strong passwords and protect your account credentials.
5 Cookies & Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience. Cookies help us:
- Remember your preferences and settings
- Analyze site traffic and user behavior (via Google Analytics)
- Deliver relevant content and advertisements
- Maintain session security
You can control cookies through your browser settings. We also use Google Analytics — see Google's Privacy Policy for details.
6 Third-Party Websites & Links
Our website may contain links to third-party websites, including insurance carriers, financial institutions, or partner services. This Privacy Policy does not apply to those external websites. We are not responsible for the content, security, or privacy practices of external sites.
7 Your Privacy Rights (CCPA & State Laws)
California residents have rights under the California Consumer Privacy Act (CCPA):
Right to Know
Request information about what personal data we collect and how it's used.
Right to Delete
Request deletion of your personal information, subject to certain exceptions.
Right to Opt-Out
Opt out of the sale of your personal information (we do not sell data).
Right to Non-Discrimination
Exercise your privacy rights without being discriminated against.
To exercise any of these rights, contact us at support@fullyprotectedins.com. We will respond within 45 days as required by law.
8 Data Retention
We retain your personal information only as long as necessary. Typical retention periods:
- Quote and inquiry data: up to 3 years
- Active policy-related records: duration of policy + 7 years
- Referral program records: up to 2 years after reward issuance
- Website analytics data: up to 26 months
9 Children's Privacy
Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us at support@fullyprotectedins.com and we will promptly delete it.
10 Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make significant changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the updated policy.
11 Contact Us
If you have any questions or requests regarding this Privacy Policy, please contact us:
12 SMS Terms of Service
By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Fully Protected Insurance Agency LLC. This includes SMS messages for conversations (external). Message frequency varies. Message and data rates may apply. See privacy policy at fullyprotectedins.com/my-policy. Message HELP for help. Reply STOP to any message to opt out.
When you opt in to receive SMS messages from Fully Protected Insurance Agency LLC, you may receive the following types of messages:
- Insurance quote follow-ups and appointment reminders
- Policy renewal alerts and account notifications
- Customer service responses and claim status updates
- Important account or service notifications
Message Frequency
Messaging frequency may vary depending on your account activity and the services you have requested. You may receive multiple messages per week during active quote or claim periods.
Message & Data Rates
Message and data rates may apply. Charges are billed by and payable to your mobile carrier. Fully Protected Insurance Agency LLC is not responsible for any charges incurred.
How to Opt Out
To opt out of SMS messages at any time, reply STOP to any message. You will receive a confirmation message and no further SMS messages will be sent, unless you re-subscribe.
How to Get Help
For assistance, reply HELP to any message or visit our website at https://fullyprotectedins.com. You may also email us at support@fullyprotectedins.com.
SMS Consent Not Shared
SMS consent is not shared with third parties or affiliates. Visit fullyprotectedins.com/my-policy for our full Privacy Policy and Terms of Service.