Privacy Policy

1. Who We Are

Friendly Insurance Advisor Group LLC ("FIAG," "we," "our," or "us") is an independent insurance agency specializing in Medicare plans and related senior-focused products. Protecting the privacy of current and prospective clients—especially older adults who trust us with sensitive information—is central to our mission.

2. Scope of This Policy

This Privacy Policy explains how we collect, use, store, and disclose information obtained through:

• friendlyinsgroup.com (the "Site"); our
• SMS/text-messaging program;
• and any other online forms, email communications, rental/lease agreements, or third-party reservation systems that link to this Policy.

By accessing the Site or opting in to receive SMS messages from FIAG, you consent to the practices described below.

3. Information We Collect

Identification & Contact Data

• Name
• Mailing address
• Email address
• Mobile phone number

Collected through website contact forms, emails you send to us, rental or lease agreements, and third-party reservation or scheduling tools.

Insurance Inquiry Data

• Medicare plan preferences
• ZIP code
• Age range
• Requested coverage details

Collected via quote forms, phone calls, and consultation notes.

Technical Data

• IP address
• Browser type and version
• Device identifiers
• Pages visited and referring URLs

Collected automatically through cookies, pixels, and server logs.

SMS-Specific Data

When you opt in to our text-messaging service, we associate your mobile number with your account profile and record the date and time of your consent.

4. How We Use Your Information

1. SMS Updates & Reminders – To send recurring text messages with enrollment deadlines, policy updates, event invitations, and promotions related to FIAG's products or services.
2. Customer Service – To respond to inquiries, schedule free Medicare reviews, and manage your account.
3. Compliance & Security – To satisfy legal obligations (e.g., HIPAA, TCPA, CAN-SPAM, state insurance regulations) and protect against fraud.
4. Site Improvement – To analyze how visitors use our Site so we can enhance functionality and content.

We do not sell, rent, or share mobile numbers or other personal information with third parties for their own marketing purposes.

5. SMS Terms & Conditions

Friendly Insurance Advisor Group LLC offers an SMS messaging program for individuals who have provided appropriate consent.

SMS Consent and Opt-In

When you voluntarily check an SMS consent box on one of our website forms, you authorize Friendly Insurance Advisor Group LLC to send text messages to the mobile number you provide. We request consent separately for non-marketing communications and marketing or promotional messages.

Non-marketing messages may include appointment confirmations, reminders, responses to inquiries, and customer-service updates. Marketing messages may include insurance information, enrollment reminders, special offers, and service updates.

SMS marketing consent is optional and is not a condition of purchasing insurance or receiving services. Simply providing your phone number does not constitute consent to receive marketing text messages.

Our SMS opt-in forms identify our company, describe the types of messages, disclose message frequency and possible message/data charges, provide STOP and HELP instructions, and link to our Privacy Policy and Terms and Conditions .

SMS Program Details

• Recurring Messages – You will receive recurring texts; message frequency varies by season and enrollment period.
• Message & Data Rates – MESSAGE AND DATA RATES MAY APPLY. Check with your wireless carrier if you do not have unlimited messaging.
• Opt-Out – Text STOP or UNSUBSCRIBE to (773) 510-6022 or reply to any FIAG text. You may also email mac@friendlygroup.net . We will send one final confirmation text and remove your number from our list within 24 hours.
• Help – Text HELP for assistance. You will receive a message containing our phone number, email, and website link.
• Contact – For any SMS issues, call (773) 510-6022 or email mac@friendlygroup.net .

SMS Data Sharing and Privacy

6. Data Security

We implement administrative, technical, and physical safeguards—such as encrypted storage, access controls, and regular security audits—to protect your information from unauthorized access, alteration, or disclosure. Where applicable, we follow the security requirements of the Health Insurance Portability and Accountability Act (HIPAA) for any protected health information (PHI) we maintain.

7. Data Retention

We keep your information:

• SMS Subscribers – until you opt out or request deletion;
• Website & Account Records – for as long as needed to fulfill the purposes outlined in this Policy or to comply with legal/record-keeping obligations.

Upon a verified deletion request, we will securely erase or anonymize your data unless retention is required by law (e.g., state insurance statutes).

8. Your Privacy Rights

Depending on where you live, you may have rights to:

• Access the personal data we hold about you;
• Request correction or deletion;
• Object to or restrict certain processing;
• Receive a copy of your information in a portable format.

To exercise these rights, contact us at mac@friendlygroup.net or (773) 510-6022. We will verify your identity before fulfilling the request.

9. Cookies & Online Tracking

Our Site uses cookies and similar technologies to recognize repeat visitors, remember preferences, and perform analytics. You can control cookie settings through your browser. Disabling cookies may limit some Site features.

10. Children's Privacy

FIAG does not knowingly collect personal information from children under 13. If we learn that we have done so, we will delete such information immediately.

11. Third-Party Links

The Site may include links to external websites or reservation platforms. FIAG is not responsible for the privacy practices of those third parties; please review their policies separately.

12. Policy Updates

We may revise this Privacy Policy periodically. The "Last updated" date at the top indicates when changes become effective. Material changes will be announced on the Site or via SMS/email.

13. Contact Us

We welcome your questions or concerns about this Policy or our privacy practices.

14. Consent

By using our Site, submitting information, or opting in to our SMS program, you acknowledge that you have read, understood, and agreed to this Privacy Policy and the accompanying Terms & Conditions .