1. Introduction

Ferenbach Brokerage is committed to protecting the privacy and security of our clients' personal and health-related information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our services, whether online, over the phone, or in person.

By engaging with our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We may collect the following types of information:

Personal Information

• Full name

• Date of birth

• Mailing address

• Email address

• Phone number

• Social Security Number (when required)

• Employer and income information

Health Information

• Current and past health conditions

• Medications

• Health history

• Insurance coverage details

Technical and Usage Information (if you use our website)

• IP address

• Browser type

• Pages visited

• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• To assist you in comparing, selecting, and enrolling in health insurance plans

• To communicate with you about your insurance needs

• To comply with legal and regulatory requirements

• To process transactions and provide customer support

• To improve our services and website functionality

4. Sharing and Disclosure of Information

We do not sell your personal information. We may share your information with:

• Insurance carriers and providers to facilitate your insurance application

• Government agencies when required by law (e.g., for ACA Marketplace enrollment)

• Third-party service providers who help us operate our business (e.g., CRM, email systems)

• Legal authorities if required to comply with a subpoena, court order, or legal process

All third parties are required to protect your information and use it only for the intended purpose.

5. Data Security

We implement appropriate administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure. These include:

• Encryption of sensitive data

• Secure access controls

• Employee training on data privacy

6. Your Rights and Choices

Depending on your location, you may have the right to:

• Access the information we have about you

• Request corrections or updates to your data

• Request deletion of your information (where applicable)

• Opt out of certain uses of your data

• File a complaint with a data protection authority

To exercise these rights, please contact us using the information in Section 10.

7. Use of Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve user experience, analyze usage, and deliver targeted advertising. You can manage cookie preferences through your browser settings.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect information from children.

9. Changes to This Privacy Policy

We may update this policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page and, if material changes are made, notify you as required by law.

10. Contact Us

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

Ferenbach Brokerage
ferenbachbrokerage@gmail.com
ferenbachbrokerage.com