At FL Quotes (“Company” “we”, “us”, “our”) we want you to feel comfortable on our website https://flquotes.com/ (hereinafter “Website”) not have to worry about the security of your data. That is why data protection is an important part of our philosophy.

In this Privacy Policy you will find all the information about which personal data we collect and process and for what purpose. You will also find out what rights you have and how you can assert them.

The Data Controller
Responsible for the collection and processing of your PII is

FL Quotes
9314 Forest Hill Blvd Suite 845
Wellington, FL 33411

Web: www.flquotes.com
Phone: 1888 788 7930
Contact Us

What is PII?
According to the Florida Information Protection Act of 2014 (FIPA), Personal Identifiable Information (PII) are “any information relating to an identified or identifiable natural person. This is, for example, name or address data, telephone number, mobile number, bank details or insurance number.

Consent for data processing
All PII that we obtain from you via the Website when you fill out or inquiry form, will be processed for the purposes described in more detail below. This is done within the framework of the FIPA, in accordance with your express consent under the Telephone Consumer Protection Act, 1991, and only when data processing is expressly permitted and if:

  • you have given your express consent by filling the inquiry form,
  • the data is necessary for the fulfilment of a contract / pre-contractual measures,
  • the data is necessary for the fulfilment of a legal obligation or
  • the data is necessary to protect the legitimate interests of our Company, provided that your interests are not overridden.

We process and store your PII only for the period of time required to achieve the respective processing purpose or for as long as a legal retention period (in particular commercial and tax law) exists. Once the purpose has been achieved or the retention period has expired, the corresponding PII is routinely deleted.

TCPA Express Consent
Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using pre-recorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.

What data does FL Quotes process?
FL Quotes offers you a wide range of quotation services and in the process, various data including PII are always collected. Most of the data we process is provided by you when you use our quotation services or contact us.

Further, we also automatically collect technical device and access data that occur during your interaction with our Website. And we collect further data through the Website analyses in order, for example, to optimize our offers for you personally (e.g., to optimize our offers for you).

  1. )Log files, Cookies and Analytical data
  2. )Even if you do not log in or register on our Website, but simply browse our Website, data is collected and stored and processed by us. Specifically, this requires the IP address of your computer, Date and time of access, Name and URL of the accessed file, Browser used, Number of bytes transferred, Status of the page retrieval, Session ID, Referrer URL.
    In addition, we use cookies and analysis services when you visit www.flquotes.com. You can find more information in our Cookie Policy. The legal bases for processing are contract and our legitimate interest. The collection and processing of this data is necessary from a technical point of view so that you can use our Website.)Contacting us
  3. )You can easily contact us via our contact form, or phone. In this case, we store and process the following data from you: Name, e-mail address, telephone number as well as other PII that you provide when contacting us.
    This data is collected and processed exclusively for the purpose of contacting you and processing your request and then deleted, provided there is no legal obligation to retain it. The legal bases for processing are contract and our legitimate interest.)Quotation processing
  4. )We process your first name, last name, telephone number, e-mail address, and the data related to your quotation with us data to handle your quotation request. The required information is identified as such in the context of the quotation request form, and includes the information required for the provision of the quote as well as contact information. The legal basis for the data processing is your express consent you provide to processing your data and PII, when you fill out our inquiry form/contact form and, in individual cases, the fulfillment of our legal obligations.)Additional information
  5. )We will process your PII through our customer service team when you contact us or request a call back though the Website, which may communicate with you through e-mail, and telephone. Our customer service team will register your phone number for purpose of call-back and back-office services in order to provide you with the requested support and information.
    In some cases, for purposes of internal training, quality control and verification, the call may be recorded, and the e-mails may be saved to the extent not prohibited under applicable law. You will always be informed in advance of the recording of the communication, and you will have the opportunity to object to such recording, save when this is necessary for verification purposes in relation to your purchase or other reasons, as allowed under applicable laws.)Provision of contractual services

Administration, financial accounting, office organization, contact management

We process inventory data and content data for the purpose of fulfilling our contractual obligations and services. This data is passed on to third parties if there is a legal obligation to do so or on the basis of our legitimate interests for example in the economic and effective operation of our business. If we ask you for further data, this is voluntary information. Personal information is processed exclusively to fulfill the requested service and to protect our own legitimate business interests.

We process data in the context of administrative tasks as well as organization of our operations, financial accounting and compliance with legal obligations, such as archiving. In this regard, we process the same data that we process in the course of providing our services (see above b and c). The processing bases are consent, and our legitimate interest. Customers, interested parties, business partners and Website visitors are affected by the processing. The purpose and our interest in the processing lies in the administration, financial accounting, office organization, archiving of data, i.e., tasks that serve the maintenance of our business activities, performance of our tasks and provision of our services. The deletion of data with regard to contractual services and contractual communication corresponds to the data mentioned in these processing activities.

In this context, we disclose or transfer data to third parties including our subsidiaries, insurance companies, brokers, business partners and related service providers, tax authorities, consultants, such as auditors, as well as other fee offices and other service providers.

Integration of third-party services and content

We use content or service offers of third-party providers on the basis of our legitimate interests in order to integrate their content and services (hereinafter uniformly referred to as “content”).

This always requires that the third-party providers of this content are aware of the IP address of the user, as without the IP address they would not be able to send the content to their browser. The IP address is therefore necessary for the display of this content.

Third-party providers may also use so-called pixel tags (invisible graphics, also known as “web beacons”) for statistical or marketing purposes. The “pixel tags” can be used to evaluate information such as visitor traffic on the pages of our website. The pseudonymous information may also be stored in cookies on the user’s device and may contain, among other things, technical information about the browser and operating system, referring websites, time of visit and other information about the use of our website, as well as being linked to such information from other sources.

The following provides an overview of third-party providers and their content, together with links to their privacy policies, which contain further information on the processing of data and so-called opt-out measures, if any:

The legal basis for the data processing is your consent and our legitimate interest.

Authorities and other third parties

In the event of certain legal incidents, we are obliged to pass on our customers’ data to law enforcement authorities or other third parties. This may be the case, for example, for official and court decisions or for legal and criminal prosecution.

How is my data protected?

We want you to feel and be safe on our website. Therefore, we take various measures to meet both the legal requirements and our own very high standards of data protection and data security.

FL Quotes takes the protection of your PII seriously. All data is handled and processed in accordance with the FIPA, which ensures the highest standards of data protection.

Our data processing is subject to the principle that we only process the PII that is necessary for the sensible and economic use of our offer. In doing so, we take great care to ensure that your privacy and the confidentiality of all PII are always guaranteed.

All transmitted data is protected by TLS encryption. Transport Layer Security (TLS) is a protocol used to ensure secure data transmission on the Internet. The public-private key procedure is used here. This means that data encrypted with a publicly accessible key can only be decrypted again with a separate private key.

We stand for high security when sharing your PII. FL Quotes uses technical and organizational security measures (TOMs) throughout the company to protect the data we manage from you against accidental or intentional manipulation, loss, destruction or against access by unauthorized persons. For example, we regularly train all employees on current IT security topics.

Nonetheless, please note that databases or data sets that include PII may be breached inadvertently or through wrongful intrusion. Upon becoming aware of a data breach, we will notify all affected individuals whose PII may have been compromised, and the notice will be accompanied by a description of the action being taken to reconcile any damage as a result of the data breach. Notices will be provided as expeditiously as possible after which the breach was discovered.

Duration of data storage

We store PII on our secure server and only for as long as it is necessary for the purposes for which it is processed or for as long as any consent you have given us has been revoked by you. Insofar as statutory retention obligations must be observed, the storage period for certain data may be up to 6 years, irrespective of the processing purposes.

Marketing

Insofar as you have also given us your separate consent to process your data for marketing and advertising purposes, we are entitled to contact you for these purposes via the communication channels you have given your consent to.

You may give us your consent in a number of ways including by selecting a box on a form where we seek your permission to send you marketing information, or sometimes your consent is implied from your interactions or contractual relationship with us. Where your consent is implied, it is on the basis that you would have a reasonable expectation of receiving a marketing communication based on your interactions or contractual relationship with us.

Direct Marketing generally takes the form of e-mail but may also include other less traditional or emerging channels. These forms of contact will be managed by us, or by our contracted service providers. Every directly addressed marketing sent or made by us or on our behalf will include a means by which you may unsubscribe or opt out.

Your data subject rights

We encourage you to contact us if you have any information requests, requests for information or objections about data processing or concerns. However, you also have the right to file a complaint with your local supervisory authority. However, we would appreciate it if you would contact us with your concern before turning to a supervisory authority.

FIPA and California Consumer Privacy Act (CCPA)

You have the following privacy rights under the FIPA and CCPA:

 

  • Request to Know:You have the right to request to know the following information about our practices over the past 12 months: (i) the categories of PII we collected about you; (ii) the categories of sources from which we collected the PII about you; (iii) the categories of third parties with which we share Personal Information, (iv) the categories of PII we sold or disclosed about you and for each category, the categories of third parties to which we sold or disclosed that particular category of PII; (v) our business or commercial purpose for collecting or selling your PII; and (vi) the specific pieces of PII we collected about you.
    You may exercise your right to request to know twice a year, free of charge. If we are unable to fulfill your request to know, we will let you know the reason why. Please note, in response to a request to know, we are prohibited from disclosing your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, security questions or answers, and unique biometric data generated from measurements or technical analysis of human characteristics.

 

 

  • Request to Delete:You have the right to request that we delete the PII that we have collected from you. We may deny your request under certain circumstances, such as if we need to retain your PII to comply with our legal obligations or if retaining the information is necessary to complete a transaction for which your PII was collected. If we deny your request to delete, we will let you know the reason why.


  • Right to Non-Discrimination:If you choose to exercise any of these rights, we will not discriminate against you in any way. If you exercise certain rights, understand that you may be unable to use or access certain features of our Websites.

 

If you would like to make a Request to Know or Request to Delete or are an authorized agent of a California consumer who would like to make such a request, contact us at [-].

We will take steps to verify your identity before processing your request to know or request to delete. We will not fulfill your request unless you have provided sufficient information for us to reasonably verify that you are the individual about whom we collected PII. If you have an account with us, we will use our existing account authentication practices to verify your identity. If you do not have an account with us, we will not require you to create an account with us but we may request additional information about you so that we can verify your identity. We will only use the PII you provide to verify your identity and to process your request, unless you initially provided the information for another purpose.

You may use an authorized agent to submit a request to know or a request to delete. When we verify your agent’s request, we may verify both your and your agent’s identity and request a signed document from you that authorizes your agent to make the request on your behalf. To protect your PII, we reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf. You may also make a verifiable consumer request on behalf of your minor child.

 

California residents may also request information from us once per calendar year about any Personal Information shared with third parties for the third party’s own direct marketing purposes, including the categories of information and the names and addresses of those businesses with which we have shared such information. To request this information, please contact us at [-].

Your inquiry must specify “Shine the Light Request” in the subject line of the email or the first line of the letter, and include your name, street address, city, state and ZIP code.

Updating your information

If you believe that the information, we hold about you is inaccurate or that we are no longer entitled to use it and want to request its rectification, deletion, or object to its processing, please do so by contacting us. For your protection and the protection of all of our users, we may ask you to provide proof of identity before we can answer the above requests.

Keep in mind, we may reject requests for certain reasons, including if the request is unlawful or if it may infringe on trade secrets or intellectual property or the privacy of another user. Also, we may not be able to accommodate certain requests to object to the processing of PII, notably where such requests would not allow us to provide our service to you anymore.

Withdraw your consent

You may withdraw your consent and request us to stop using and/or disclosing your PII for any or all of the Purposes by submitting your request to us. Should you withdraw your consent to the collection, use or disclosure of your PII, it may impact our ability to proceed with your transactions, agreements, or interactions with us. Prior to you exercising your choice to withdraw your consent, we will inform you of the consequences of the withdrawal of your consent. Please note that your withdrawal of consent will not prevent us from exercising our legal rights (including any remedies) or undertaking any steps as we may be entitled to at law.

Controls For Do-Not-Track Features

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (‘DNT’) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

PII and children

Our services are aimed at people aged 18 and over. We will not knowingly collect, use or disclose PII from minors under the age of 18 without first obtaining consent from a legal guardian through direct offline contact.

Changes to this Privacy Policy

We are constantly developing and improving our Website – and as a result, some of the information in this Privacy Policy is likely to change. We therefore recommend that you read this Privacy Policy again from time to time so that you are informed about the current status. This Privacy Policy was last updated on Monday, November 28, 2022

Do you have any questions?

Please contact us if you have any comments or questions about this policy and/or our use of your PII.