Privacy Policy

FHK Insurance
Last Updated: January 2025

1. Introduction

FHK Insurance ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website fhkinsurance.com ("Website") or use our insurance brokerage services.

FHK Insurance is a family-owned insurance brokerage agency located in Glendale, Wisconsin, serving clients since 1970. We specialize in Medicare, Medicare Supplement, Medicare Advantage, and Individual & Family health insurance plans.

Please read this Privacy Policy carefully. By using our Website or services, you consent to the practices described in this policy.

2. Information We Collect

Information You Provide to Us

We collect information that you voluntarily provide when you:

  • Complete a contact form on our Website
  • Request a quote or consultation
  • Enroll in an insurance plan through our agency
  • Call or email our office
  • Attend a seminar or educational event

This information may include:

  • Contact Information: Name, address, email address, phone number, zip code
  • Demographic Information: Age, date of birth, gender
  • Health-Related Information: Current medications, health conditions (as necessary for insurance quoting and enrollment)
  • Medicare Information: Medicare Beneficiary Identifier (MBI), enrollment status, current coverage
  • Financial Information: Income information (for ACA subsidy eligibility)
  • Referral Information: How you heard about us, referring agent or employer

Information Collected Automatically

When you visit our Website, we may automatically collect certain information, including:

  • IP address
  • Browser type and version
  • Operating system
  • Pages visited and time spent on pages
  • Referring website
  • Date and time of visit

3. How We Use Your Information

We use the information we collect to:

  • Provide Insurance Services: Assist you in comparing and enrolling in insurance plans
  • Communicate With You: Contact you by phone or email regarding your inquiry, policy information, enrollment deadlines, and plan options
  • Respond to Requests: Answer your questions and provide customer support
  • Send Relevant Information: Provide information about insurance products, services, and enrollment periods that may be of interest to you
  • Comply with Legal Obligations: Meet regulatory requirements and cooperate with government agencies as required
  • Improve Our Services: Analyze Website usage to enhance user experience

4. How We Contact You

By providing your contact information, you consent to receiving communications from our licensed insurance agents. We may contact you via:

  • Phone Calls: To discuss your insurance needs, provide quotes, and assist with enrollment
  • Email: To send information about insurance products, enrollment reminders, and policy updates
  • Direct Mail: To send educational materials and plan information

We will only contact you regarding our insurance products and services. We do not sell or share your contact information with unrelated third parties for their marketing purposes.

Opting Out

You may opt out of marketing communications at any time by:

  • Contacting us at info@FHKinsurance.com
  • Calling us at 414-228-7555
  • Using the unsubscribe link in our emails
  • Visiting our email opt-in/opt-out page

Please note that even if you opt out of marketing communications, we may still contact you regarding your existing policies or inquiries.

5. Information Sharing and Disclosure

We may share your personal information with:

Insurance Carriers

We share information with insurance companies as necessary to obtain quotes, process applications, and enroll you in coverage. Insurance carriers have their own privacy policies governing how they use and protect your information.

Service Providers

We may share information with third-party vendors who assist us with Website hosting, data analytics, email delivery, and other business operations. These providers are contractually obligated to protect your information and use it only for the services they provide to us.

We may disclose your information if required by law, regulation, legal process, or government request, or to protect the rights, property, or safety of FHK Insurance, our clients, or others.

Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred as part of that transaction.

6. Data Security

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

  • Secure data storage systems
  • Limited employee access to personal information
  • Employee training on privacy and data security
  • Secure transmission of sensitive information

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

7. 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. Retention periods may vary based on the type of information and applicable legal requirements.

8. Your Privacy Rights

Wisconsin Residents

Under Wisconsin law, you have certain rights regarding your personal information, including the right to access and correct your information.

California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, request deletion of your information, and opt out of the sale of your personal information. We do not sell personal information.

HIPAA

Certain health information you provide may be protected under the Health Insurance Portability and Accountability Act (HIPAA). Insurance carriers with whom we work are subject to HIPAA requirements regarding the protection of your health information.

To exercise any of your privacy rights, please contact us using the information provided below.

9. Cookies and Tracking Technologies

Our Website may use cookies and similar tracking technologies to enhance your browsing experience, analyze Website traffic, and understand user behavior. You can control cookies through your browser settings; however, disabling cookies may affect Website functionality.

Our Website may contain links to third-party websites, including insurance carrier websites, Medicare.gov, and other resources. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party websites you visit.

11. 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 collected personal information from a child, we will take steps to delete that information.

12. Do Not Track Signals

Some web browsers offer a "Do Not Track" feature. Our Website does not currently respond to Do Not Track signals.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Changes will be effective immediately upon posting to our Website. We encourage you to review this Privacy Policy periodically.

14. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how we handle your information, please contact us:

FHK Insurance
6790 N Green Bay Ave
Glendale, WI 53209

Phone: 414-228-7555
Email: info@FHKinsurance.com
Website: fhkinsurance.com

15. Medicare-Specific Disclosures

FHK Insurance complies with all applicable Centers for Medicare & Medicaid Services (CMS) marketing guidelines. We do not offer every plan available in your area. For information on all of your Medicare options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).

FHK Insurance is a licensed insurance agency in the State of Wisconsin.

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