Privacy Policy

FC Insurance Solutions, LLC is a BBB Accredited licensed health insurance brokerage based in Tampa, Florida, licensed to sell health insurance in 31+ states (NPN: 21032307). Owner and licensed agent: Frank Caballero.

Contact:
Phone: (786) 218-2384
Email: frankcaballero94@gmail.com
Address: Tampa, FL

We collect the following types of personal information when you contact us, submit a form, or engage with our services:

• Identifying information: name, email address, phone number, mailing address, date of birth
• Health and insurance information: current coverage, health history (only as needed for medical underwriting), prescriptions, dependents
• Financial information: income range (for ACA subsidy eligibility), employment status, tax filing status
• Technical information: IP address, browser type, device information, cookies, pages visited on our site
• Communication records: call recordings (where permitted by law), text messages, emails, and any other correspondence between you and FC Insurance Solutions

We use your information to:

• Provide health insurance quotes and recommendations
• Submit insurance applications on your behalf with your authorization
• Communicate with you about your coverage, applications, or our services
• Comply with state and federal insurance laws, including licensing and recordkeeping requirements
• Respond to inquiries, schedule consultations, and provide customer support
• Improve our website and marketing
• Comply with legal obligations including HIPAA, state insurance department regulations, and tax reporting

By providing your phone number to us — whether through our website, social media (including Facebook, Instagram, LinkedIn), a Meta lead form, a third-party referral source, or directly — you expressly consent to receive calls, text messages (SMS), and other electronic communications from FC Insurance Solutions, LLC and its licensed agents at the phone number you provide.

This consent specifically includes contact made:

• By live agents
• Using automated telephone dialing systems (autodialers)
• Using prerecorded or artificial voice messages
• Via SMS, MMS, or other text messaging technology

Purpose of contact: providing health insurance information, quotes, plan comparisons, application support, renewals, and related services.

You understand that this consent is NOT a condition of purchasing any goods or services. Standard message and data rates may apply.

You may revoke your consent at any time by:

• Replying STOP to any text message
• Telling any agent on a call to remove you from our contact list
• Emailing frankcaballero94@gmail.com with the subject "REMOVE"
• Calling (786) 218-2384 and requesting removal

We honor opt-out requests within 30 days as required by federal law.

Florida residents: This communication is a solicitation. Florida's Telephone Solicitation Act (FTSA) requires prior express written consent before solicitation calls or texts. By submitting your information, you are providing that consent. FC Insurance Solutions, LLC is licensed to sell insurance in Florida.

California residents have the right to:

• Know what personal information we collect, use, disclose, and sell
• Request deletion of personal information
• Opt out of the sale of personal information (we do not sell personal information)
• Non-discrimination for exercising privacy rights

To exercise these rights, email frankcaballero94@gmail.com with "California Privacy Request" in the subject line.

We share your information only as needed to provide insurance services or as required by law:

• Insurance carriers (Cigna, UnitedHealthcare, Aetna, Anthem, etc.) when submitting applications
• Other licensed insurance agents (when we refer you to a specialist)
• Service providers helping operate our business (CRM systems, email providers, scheduling tools)
• Regulators and law enforcement when legally required (state insurance departments, IRS, courts)

We do NOT sell your personal information to third parties for marketing purposes.

Our website uses cookies and similar technologies (Google Analytics, Meta Pixel) to:

• Understand how visitors use our site
• Improve site performance
• Measure marketing campaign effectiveness
• Show retargeting ads on Facebook, Instagram, and Google

You can opt out of cookie tracking by adjusting your browser settings or visiting:

• Google: https://tools.google.com/dlpage/gaoptout
• Meta: https://www.facebook.com/help/568137493302217

We retain your information for as long as required to provide services and comply with state insurance recordkeeping laws (typically 5–7 years after our relationship ends).

We use reasonable administrative, technical, and physical safeguards to protect your information, including secure servers, encrypted communications, and access controls. However, no method of internet transmission is 100% secure.

You have the right to:

• Access the personal information we hold about you
• Request corrections to inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of marketing communications at any time

To exercise any of these rights, email frankcaballero94@gmail.com.

Our services are not directed to anyone under 18. We do not knowingly collect information from minors. If you believe a minor has provided us information, contact us immediately and we will delete it.

We may update this Privacy Policy at any time. The "Last Updated" date at the top reflects the most recent changes. Material changes will be posted on this page.

For any privacy-related questions or requests:

FC Insurance Solutions, LLC
Frank Caballero, Licensed Insurance Agent
Email: frankcaballero94@gmail.com
Phone: (786) 218-2384
Website: fcinsurancesolutions.com