FoCoIns.com Privacy Policy

Effective Date: August 7, 2025

This Privacy Policy describes how FoCoIns ("we," "us," or "our") collects, uses, discloses, and protects the personal information of users ("you" or "your") of our website, focoins.com (the "Website"), and our related insurance brokerage services.

1. Information We Collect

We collect information to provide and improve our services. This information includes:

a. Information You Provide Directly:

  • Personal Identification: Name, date of birth, Social Security number, driver's license number, and other government-issued identifiers.
  • Contact Details: Email address, phone number, and mailing address.
  • Account Credentials: Username and password for your FoCoIns account.
  • Insurance & Application Data: Information necessary for insurance applications, such as coverage needs, property details, vehicle information, driving history, and claims history.
  • Financial Information: Bank account or payment card details for processing premium payments.
  • Communications: Information you provide when you contact us through forms, email, phone calls, or for customer support and consultations.

b. Information We Collect Automatically:

  • Usage Data: IP address, browser type, operating system, referring URLs, pages visited, links clicked, and access dates and times.
  • Device Information: Information about the computer or mobile device you use to access our Website, including hardware model and unique device identifiers.
  • Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content.
  • Quote Data: Details of insurance quotes you research, carriers you compare, and the results generated.

c. Information from Third-Party Sources:

  • Insurance Partners: Information from insurance carriers and underwriters related to your policies, claims, and coverage verification.
  • Data Providers: Information from credit reporting agencies (for underwriting purposes, where permitted by law), motor vehicle departments, and public records to verify your information and assess eligibility.
  • Other Professionals: Information from other insurance agents or brokers involved in your coverage.

2. How We Use Your Information

Your information is used for the following purposes:

  • To Provide Insurance Services:
    • Process and submit insurance applications to generate quotes.
    • Place and bind insurance coverage with appropriate carriers.
    • Manage and service your active insurance policies, including renewals and endorsements.
    • Assist with claims processing and advocacy on your behalf.
    • Offer ongoing consultation and review your coverage needs.
  • To Operate Our Website:
    • Maintain, secure, and improve our Website's functionality.
    • Personalize your user experience and deliver relevant content.
    • Manage your account and process transactions securely.
    • Respond to your inquiries and provide customer support.
  • To Communicate With You:
    • Send essential communications, including policy documents, billing statements, and renewal notices.
    • Provide educational materials and updates about the insurance market.
    • Inform you about new products, services, or carrier programs that may be of interest (you may opt-out of marketing communications at any time).
  • For Legal, Security, and Business Purposes:
    • Comply with applicable laws, regulations, and reporting requirements.
    • Detect and prevent fraud, identity theft, and other malicious activities.
    • Enforce our Terms of Service and protect our legal rights.
    • Maintain business records as required by law and for internal analysis.

3. How We Share Your Information

We do not sell your personal information. We only share it as necessary to provide our services:

  • With Insurance Carriers: We share your personal and application data with insurance companies to obtain quotes, place coverage, and service your policies. This is a fundamental part of our role as your insurance broker.
  • With Service Providers: We may share information with trusted third-party vendors who perform services on our behalf, such as:
    • Payment processors for premium collection.
    • Data analytics and website optimization providers.
    • Marketing and communication platforms.
    • Technology and cloud hosting services.
    • Professional services, including legal and accounting advisors.
  • For Legal Requirements: We may disclose your information if required by law, regulation, subpoena, or other legal process. This includes responding to requests from insurance regulatory authorities, law enforcement, or in court proceedings.
  • During Business Transfers: In the event of a merger, acquisition, reorganization, or sale of all or a portion of our assets, your information may be transferred as part of the transaction. We will notify you of any such change in ownership or control of your personal information.
  • With Your Consent: We may share your information for other purposes not listed here with your explicit consent.

4. Your Privacy Choices and Rights

You have control over your personal information:

  • Account Information: You can review and update your account information by logging into your account portal or by contacting us directly.
  • Marketing Communications: You can opt out of receiving promotional emails by clicking the "unsubscribe" link in the email. You will continue to receive essential, non-promotional communications about your policies and our business relationship.
  • Cookies: Most web browsers are set to accept cookies by default. You can usually adjust your browser settings to remove or reject cookies. Please note that disabling cookies may impact the functionality of our Website, including your ability to receive accurate quotes.
  • Access and Correction: You have the right to request access to the personal information we hold about you and to request corrections of any inaccuracies.

5. Data Security

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

  • Encryption of sensitive data (like Social Security numbers and payment information) both in transit and at rest.
  • Strict access controls to ensure only authorized personnel can access personal information.
  • Regular security assessments, vulnerability scanning, and system updates.
  • Employee training on data privacy and security best practices.

Despite our efforts, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. This includes retaining data to:

  • Maintain our business relationship and service your insurance policies.
  • Comply with legal, regulatory, and insurance industry record-keeping standards.
  • Resolve disputes and enforce our agreements.

Insurance records are typically retained for several years after a policy is terminated to address potential claims and meet regulatory obligations.

7. State-Specific Privacy Rights

Residents of certain states may have additional rights regarding their personal information. These rights may include:

  • The right to know the categories and specific pieces of personal information we have collected about you.
  • The right to request the deletion of your personal information, subject to certain exceptions.
  • The right to opt out of the "sale" or "sharing" of your personal information (as defined by applicable law).
  • The right to not be discriminated against for exercising your privacy rights.

To exercise any applicable rights, please contact us using the information below.

8. Children's Privacy

Our Website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a minor without parental consent, we will take steps to delete it.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated policy on our Website and indicate the "Effective Date" of the revision. For material changes, we will provide more prominent notice as required by law.

10. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or need to update your information, please contact our Privacy Officer:

  • Email: privacy@focoins.com
  • Phone: 970-204-4553
  • Mailing Address:FoCoIns Privacy Officer4025 Automation Way Ste E3,  Fort Collins, CO 80525
  • For general insurance questions or policy service, please email us at info@focoins.com.

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