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Privacy Policy

 

Effective Date: 01/16/2025

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Family Care of America ("Family Care of America Insurance Agency LLC, DBA: Family Care of America," "we," "us," or "our") values your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you visit our website ("Site") or use our services. This policy is designed to comply with federal law, including HIPAA, and applicable state laws governing privacy and data protection across all states where we operate.

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1. Information We Collect

We collect personal information from you when you:

  • Request a quote or complete a form on our Site.

  • Communicate with us via email, phone, or other methods.

  • Provide details necessary to explore and secure an insurance plan that fits your needs.

The types of information we collect may include:

  • Personal Identifiable Information (PII): Your name, email address, phone number, mailing address, date of birth, Social Security Number, and other details necessary to provide accurate insurance quotes and services.

  • Health Information: Medical history, current medications, or other health-related details provided to help identify suitable insurance plans.

  • Non-Personal Information: Browser type, IP address, device information, and Site usage data collected via cookies and similar technologies.

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2. How We Use Your Information

We use your information to:

  • Provide you with accurate health insurance quotes and plan options.

  • Respond to your inquiries and requests.

  • Communicate updates, promotional offers, and other information about our services.

  • Assist in finding insurance plans tailored to your specific needs and preferences.

  • Improve the functionality and user experience of our Site.

  • Comply with legal requirements and prevent fraud or misuse.

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3. Sharing Your Information

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

  • Insurance Providers and Agents: To obtain accurate quotes and explore insurance plans tailored to your needs.

  • Service Providers: Companies that help us operate our business, such as hosting, analytics, or marketing services.

  • Legal Authorities: When required to comply with applicable laws, regulations, or legal proceedings.

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4. Compliance with Federal and State Laws

We are committed to complying with all applicable laws regarding privacy and data protection. This includes, but is not limited to:

  • HIPAA Compliance:

    • Your Protected Health Information (PHI) is handled with the highest standards of privacy and security.

    • We only use or disclose PHI as permitted by HIPAA, such as for treatment, payment, or healthcare operations.

    • You have the right to access, amend, and obtain a copy of your PHI.

  • Florida Information Protection Act (FIPA):

    • We notify affected individuals and authorities in the event of a data breach.

    • Safeguards are in place to protect your personal data.

  • California Consumer Privacy Act (CCPA):

    • California residents have the right to access, delete, and opt-out of the sale of personal information.

    • Requests can be made by contacting us at support@fcaagency.com.

  • Virginia Consumer Data Protection Act (VCDPA):

    • Virginia residents can access, correct, delete, or opt out of the processing of their personal information for targeted advertising.

  • Colorado Privacy Act (CPA):

    • Residents have rights similar to those in Virginia, including data access and correction rights.

  • Other State Privacy Laws:

    • We comply with all applicable privacy and data protection laws in states where we operate, including Maryland, Michigan, Nevada, Texas, and others. For specific inquiries about your rights, please contact us at support@fcaagency.com.

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5. Your Choices

You have the right to:

  • Opt out of receiving promotional communications by following the instructions in the email or contacting us directly. You can also opt out by replying "STOP" or "END" to any message you receive from us.

  • Request access, correction, or deletion of your personal information by contacting us at support@fcaagency.com.

  • Disable cookies in your browser settings, though this may impact the functionality of our Site.

 

6. Data Retention

We retain your personal information only as long as necessary to provide our services or comply with legal obligations. Once your data is no longer needed, it is securely deleted or anonymized.

 

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no system can guarantee absolute security, and we encourage you to take precautions when sharing personal information online.

 

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with the "Effective Date" updated. Your continued use of the Site after changes are made constitutes your acceptance of the updated policy.

 

9. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

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Terms and Conditions

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Effective Date: [Insert Date]

Welcome to Family Care of America ("Family Care of America Insurance Agency LLC, DBA: Family Care of America," "we," "us," or "our"). By using our website ("Site") or services, you agree to these Terms and Conditions. Please read them carefully.

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1. Use of the Site

By accessing and using our Site, you represent that you are at least 18 years old and agree to comply with these Terms. You may not use the Site for unlawful purposes or in violation of these Terms.

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2. Services Provided

Family Care of America Insurance Agency LLC, DBA: Family Care of America provides health insurance information, resources, and quoting services. We do not provide insurance coverage directly but connect users with licensed agents or insurance carriers. Quotes provided on the Site are for informational purposes only and are not binding until confirmed by the insurance carrier.

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3. User Responsibilities

You agree to:

  • Provide accurate and complete information when requesting a quote.

  • Keep your contact information up to date.

  • Refrain from using the Site in a manner that could harm Family Care of America Insurance Agency LLC, DBA: Family Care of America, or other users.

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4. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of Family Care of America Insurance Agency LLC, DBA: Family Care of America, or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.

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5. Limitation of Liability

To the fullest extent permitted by law, Family Care of America Insurance Agency LLC, DBA: Family Care of America, is not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site or our services. This includes errors in insurance quotes or information provided.

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6. Indemnification

You agree to indemnify and hold Family Care of America Insurance Agency LLC, DBA: Family Care of America, harmless from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

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7. Third-Party Links

Our Site may contain links to third-party websites. Family Care of America Insurance Agency LLC, DBA: Family Care of America, is not responsible for the content or practices of these websites and encourages you to review their terms and privacy policies.

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8. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page with the "Effective Date" updated. Your continued use of the Site after changes are made constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must discontinue using the Site immediately.

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9. Governing Law

These Terms are governed by the laws of Florida and other applicable states where we operate. Any disputes will be resolved in accordance with the laws of the state relevant to the individual transaction or customer location.

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10. Contact Us

If you have questions about these Terms and Conditions, please contact us at:

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