Privacy Policy

Full Frame Insurance and its affiliates recognize the privacy concerns of our customers and potential customers who visit our website. We want you to be aware that we collect information through our website for our internal use. We intend to use information collected only in the normal course of our business and as permitted by law. No personal information is required when you visit our website, however, certain information is collected in order to help us to better provide the products and services we offer.

How We Use Customer Information

We use user information to ensure that the content you view and the products you may purchase accurately meet your needs. The information and data we collect may be used for:

• Underwriting and rating policies (for those users who submit an application);
• Providing proper billing;
• Protecting against fraudulent and unauthorized transactions;
• Confirming your identity and servicing your policies and accounts;
• Processing your claims;
• Enhancing your customer experience on our website;
• Addressing areas of confusion and improving the clarity of our content and products;
• Performing other activities as required or permitted by law.

The following sections detail the specific ways the information we collect from our users may be used. Personal, non-public information will not be shared, except as permitted or required by law. Anonymous, non-identifying, or public information may be shared with third-party companies or applications for the purpose of accurately targeting advertisements to users based on their interests.

Personal Information

We may collect nonpublic personal information about you from any or all of the following sources:

• Applications or other forms received from you;
• Insurance transactions you conduct with us or our affiliates;
• Claims information provided in the event of a claim;
• Consumer reporting agencies.
• Records and copies of your correspondence (including email addresses) if you contact us.

We do not disclose any nonpublic personal information we gather about our customers or former customers to anyone, except as permitted by law. We may disclose aggregated information about our customers, and information that does not identify any individual, without restriction. We may disclose nonpublic personal information that we collect or you provide as described in this privacy policy:

• To our affiliates, related or third-party brokers and/or agents, to premium financial service companies, to third-party companies we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• To a buyer or successor in the event of a merger, divestiture, restructure, reorganization, dissolution or sale or all or substantially 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 products and services is among the assets transferred.
• We may disclose nonpublic personal information if we believe disclosure is necessary or appropriate to protect our rights or safety at Full Frame Insurance, our affiliates and customers. This includes exchanging information with other companies or organizations for purposes of fraud protection and credit risk reduction.
• To third parties to market their products or services to you if you have not opted out of these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• With your consent.

Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this privacy policy unless otherwise required by law. We will retain and use your personal information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. We will also retain usage data for internal analysis purposes as set forth below. Usage data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our website or we are legally obligated to retain this data for longer time periods.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. We restrict access to your nonpublic personal information to those employees who need to know that information in order to provide products or services to you. We maintain physical and procedural safeguards to guard your nonpublic personal information. The safety and security of your information also depends on you. Where you have chosen a password for access to certain parts of our website, you are responsible for keeping this password confidential. We may use your personal information for several purposes as discussed previously in the privacy policy, such as monitoring the use of our website so that we can make improvements; diagnosing and solving technical problems; responding to requests by government authorities, court orders, or other reporting obligations as required by applicable law; fulfilling customer requests for certain products and services; and sending material of interest (if you have so requested). Sometimes we must collect medical information in conjunction with a claim. We do not use or share your medical information for any marketing purpose, unless we receive your permission.

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.

Reviews

We may use customer information for the purpose of obtaining reviews about the services and programs that we provide. This may include, but is not limited to, giving customers’ names and e-mail addresses to third parties to facilitate and contact customer to obtain reviews. Customer information sent to third parties will be used solely for the purposes of gathering and managing feedback, or as required by law or by any court of competent jurisdiction. Reviews provided by customers may be published online and submitted to search engines. Customers may be contacted by a third-party review service, but are under no obligation to provide a review.

Cookies

We may store a cookie on your computer when you visit our website. A cookie is a piece of information that is required to create and maintain a secure session. With a cookie, each time your browser requests a page from the server, a message is sent to us. A cookie’s main objective is to identify users and personalize their visit by customizing web pages for them – for example, by welcoming them by name the next time they visit the same site or store information about your preferences, allowing us to customize our website and deliver a more personalized service. A site using cookies may invite you to provide personal information, such as your name, e-mail address and interest. Our cookies do not contain confidential or personal information. Our cookies do not track a user after leaving our website. To find out more about “Do Not Track” Click here: https://allaboutdnt.com/ for information on how you can opt out of behavioral tracking on our website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.

E-mails

We may keep the emails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public website, this communication may not be secure.

If you have filled out an application, you will have agreed to our email/phone use statement. If you have filled out the first step of an application, provided Full Frame Insurance with your email, and did not complete the application, we may send you a single email reminding you of your unfinished application. If you do not wish to have your email address used by Full Frame Insurance to promote our own or third parties’ products or services, you can opt-out by submitting a request here.

Web Links

We may provide links to other websites on our site. We are not responsible for the collection, use, or security of information by the companies or organizations outside of our site. Please read the privacy policies of those websites reached through the use of links from our site.

For further information regarding our privacy policy or for information we may have received from you, please contact us.

Website Usage Data

“We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.”

Advertising

Third-Party Applications:

We use the services of third-party companies and applications who are under agreements with us. For example, we work with analytics companies, advertisers, data management and storage services. These companies and applications serve advertisements to users who visit our website and who use our services and allow us to quantify data concerning the browsing habits of our website’s users. These companies may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. These companies collect and use clickstream information, browser type, time and date, subject of advertisements clicked on or scrolled over during your visits to our website. Full Frame Insurance does not control these third-party tracking technologies or how they may be used. The tracking technologies used by these third-party companies are subject to their own privacy policies, not those of Full Frame Insurance. We encourage you to carefully review the privacy policies of any third party site you access so you know how they will use and share your information.

Targeted Advertising

Through the analytical data we obtain from the services mentioned above, we serve targeted advertisements to users. For example, a user who visits our website may see an advertisement for our products while using Facebook.

Remarketing

We use Social Media and Google AdWords remarketing audience lists to display ads to users that have previously visited our website. Google displays our remarketing ads when users visit sites that are a part of Google’s network of display and partner websites. Google uses cookies to serve ads based on your previous visits to our website. To opt out of Google’s use of cookies, click here: http://www.google.com/settings/ads.

We use Facebook Pixel Tags to better measure, optimize, and retarget our marketing campaigns.

For information about Facebook pixel opt-out options please visit: https://www.facebook.com/help/568137493302217

Request to hide Facebook ads from certain advertisers: https://www.facebook.com/help/146952742043748

Your Ad Choices

Some of the third-party services utilized by Full Frame Insurance may be members of the Network Advertising Initiative (NAI) or the Digital Advertising Alliance (DAA) Self-Regulatory Program for Online Behavioral Advertising. For information regarding the NAI and opt-out procedures, visit http://www.networkadvertising.org/managing/opt_out.asp. If you wish to opt-out of our use of your website viewing behavior data, used to serve interest-based advertising on third-party sites and in email newsletters, click here.

Data Transfers and EU Data Subject Rights

Full Frame Insurance is based in the United States. Depending on where you are located and the information provided to us, the information may be transferred to and maintained by us on servers located in the United States, which may not have the same data protection laws. However, we take all necessary measures to protect your personal information in accordance with this privacy notice and applicable law. By providing such information through the Website, you hereby expressly consent to such transfer and processing of your data into the United States.

If you are a resident of the European Union, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA). The following circumstances may apply when these transfers are subject to special rules under European and UK data protection law:

• With your and our service providers located outside the EEA;
• If you are based outside the EEA; or
• Where there is an international dimension to the services we are providing to you.

We will, however, ensure the transfer complies with data protection law and all personal information will be secure.

You have the right under this privacy policy, and by law if you reside within the EEA to: (a) request access to your Personal Data and rectification of inaccurate Personal Data; (b) request rectification to correct any mistakes in your Personal Data; (c) request erasure of your Personal Data; (d) request restrictions on the processing of your Personal Data; (e) object to processing your Personal Data; (f) the right to data portability; and/or (g) withdraw your consent on using your Personal Data (“collectively, “Requests”). For more information about how to get access to Personal Data and for exercising your rights to opt out, you can submit a request here. In the “Comments” section, inform us that you are an EU resident and that you would like to exercise your individual rights. You also have the right to lodge a complaint with a supervisory authority in the EEA where you work, normally live, or where any alleged violations of data protection laws occurred.

Your California Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit our Privacy Policy for California Residents.

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits our users who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send submit your request in writing here.

Children’s Privacy

The services rendered by Full Frame Insurance are intended for a general audience and are not intended for and should not be used by children under the age of 16. We do not knowingly collect information from children under the age of 16 and we do not target our services to children under the age of 16. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us here. We will delete such information from our files as soon as reasonably practicable. To learn more about the Children’s Online Privacy Act (COPPA), please visit https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.

Access and Correction of Your Information

If you wish to have your data corrected or reviewed for deletion, you may submit a request here. We cannot delete you personal information except by also deleting your user account. To help protect your privacy and maintain the security of your data, we will take steps to verify your identity before initiating the review. Additionally, we cannot guarantee that every deletion request will be fulfilled. In some situations we will need retain your data, for example, to enable us to continue providing services to you we are obligated to provide, or if required by law.

Changes to our Privacy Policy

We may update this privacy policy periodically. It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we may notify you either by posting a prominent notice of such changed or by email to the email address specified in your account. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our website and this privacy policy to check for any changes.

If you have any questions or comments about this privacy policy and our privacy practices, contact us here.