IMPORTANT DISCLAIMER: FAC Insurance LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We are an independent insurance brokerage that helps individuals compare plans from private insurance companies.
FAC INSURANCE LLC
PRIVACY POLICY
Effective Date: April 29, 2026
Website: facinsurancellc.com
1. Introduction
FAC Insurance LLC ("we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website facinsurancellc.com, contact us through any channel — including WhatsApp, phone, email, or online forms — or engage with our insurance brokerage services.
By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of our services.
2. Information We Collect
2.1 Personal Information You Provide
We may collect the following types of personal information that you voluntarily provide to us:
• Full name, date of birth, and government-issued ID details
• Contact information including phone number, email address, and mailing address
• Health-related information necessary for insurance enrollment and eligibility
• Financial information such as income level for subsidy calculations
• Insurance policy details and coverage preferences
• WhatsApp phone number and messaging data when you contact us via WhatsApp
2.2 Information Collected Automatically
When you visit our website, we may automatically collect:
• IP address and browser type
• Pages visited, time spent on pages, and clickstream data
• Device information and operating system
• Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect for the following purposes:
• To provide ACA (Obamacare) and Medicare Advantage plan assistance, quotes, and enrollment services
• To contact you via phone, email, or WhatsApp regarding your insurance inquiries or policy
• To send appointment reminders, policy renewal notifications, and important service updates
• To comply with legal and regulatory obligations in the insurance industry
• To improve our website experience and marketing efforts
• To respond to your questions and customer support requests
• To process referrals and facilitate ACA and Medicare Advantage plan comparisons
4. WhatsApp Communication
FAC Insurance LLC uses WhatsApp Business to communicate with clients and prospects. By providing your WhatsApp number or initiating contact via WhatsApp, you consent to:
• Receiving messages related to your insurance inquiry, policy updates, or appointment confirmations
• Receiving promotional and informational messages about health insurance plans and services
You may opt out of WhatsApp communications at any time by replying "STOP" to any message or by contacting us directly. We do not share your WhatsApp number with third parties for their marketing purposes.
5. Sharing Your Information
We do not sell your personal information. We may share your information only in the following circumstances:
• With licensed insurance carriers and providers to obtain quotes or complete enrollment on your behalf
• With government agencies such as Healthcare.gov or Medicare as required for enrollment
• With third-party service providers who assist us in operating our website or services, subject to confidentiality agreements
• As required by law, court order, or regulatory authority
• With your explicit consent
6. Data Retention
We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records may be retained for a minimum of 5 years in accordance with applicable regulations.
7. Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of internet transmission or electronic storage is 100% secure. We encourage you to take precautions when sharing sensitive information online.
8. Your Rights
Depending on your location and applicable law, you may have the right to:
• Access the personal information we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your personal data, subject to legal retention requirements
• Opt out of marketing communications at any time
• File a complaint with a data protection authority
To exercise any of these rights, please contact us using the information provided in Section 11.
9. Cookies
Our website uses cookies to enhance your browsing experience. Cookies are small data files stored on your device. You may disable cookies through your browser settings; however, this may affect certain features of our website.
10. Third-Party Links
Our website may contain links to third-party websites, including insurance carrier portals and government healthcare marketplaces. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies.
11. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
FAC Insurance LLC
Website: facinsurancellc.com
Fabiane Araujo
Licensed Health Insurance Agent
Phone: 689-250-1890
Email: [email protected]
12. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.