Privacy Policy

Effective: September 1, 2025

At FCT Insurance, LLC (“Company”, “we”, “our” or “us”) we respect your concerns about privacy and value our relationship with you, thus we created this Privacy Policy (“Policy”) to demonstrate our commitment to you. This Policy explains what information we gather and how we use it as related to our website, www.fctrustinsurance.com, including its subdomains, subdirectories, and related domains directed to www.fctrustinsurance.com (collectively, the “Website” or “Sites”). By using the Website, you acknowledge that your personal data will be processed in accordance with this Policy. Please also see our Terms of Use, which are incorporated into this Policy and can be found at https://www.fctrustinsurance.com/terms-of-use.

We may revise and update this Policy from time to time in our sole discretion. All changes are effective immediately when we post them to the Website, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revisions means you acknowledge the changes. You are expected to check this page from time to time so you are aware of any changes.

This Policy applies to information we collect:

On this Website;
In email, text, and other electronic messages between you and this Website;
Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website; or
When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Policy.

This Policy does not apply to information collected by:

Company offline or through any other means, including on any other website operated by any third party (including our affiliates and subsidiaries); or
Any third party (not affiliated with our Website or services offered through our Website), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Data protection is a high priority for Company. The use of the Website pages of Company is possible without any indication of personal data; however, if a data subject wants to use certain services via our Website, processing of personal data could become necessary.

The processing of personal data, such as the name, address, e-mail address, or telephone number of data subject is in accordance with state-specific data protection regulations applicable to Company. By means of this Policy, we like to inform the public of the nature, scope, and purpose of the personal data we collect, use and process. Furthermore, data subjects are informed, by means of this Policy, of the rights to which they are entitled.

Data Security

We and our service providers have implemented measures designed to secure your personal information from unintentional loss and from unauthorized access, use, alteration, and disclosure. We believe we have taken reasonable precautions necessary to maintain security for this Website.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a user name, password or any other piece of information for access to certain parts of our Website, you are responsible for keeping this information confidential. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

Ultimately, the transmission of information via the Internet is not completely secure. Although we take reasonable precautions to protect your personal information, we cannot guarantee the security of information transmitted to or stored on our Website. Any transmission or storage of information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you.
To provide information so a Company representative can contact you.
To provide an option to submit an insurance application.
To provide you with information, products, or services you request from us.
To fulfill any other purpose for which you provide it.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our Website or any products or services we offer or provide though it.
To monitor and identify potential fraudulent or suspicious activity.
To allow you to participate in interactive features on our Website.
To contact you when we believe there is an issue that needs to be communicated, such as site outages or planned maintenance.
To use for marketing and user-evaluation purposes, including marketing of services by our affiliates.
In any other way we may describe when you provide the information.
For any other purpose with your consent or such other legal basis as may be relevant, but, where appropriate, only after notifying you in advance with any information that we are required to provide to you.

The Website uses cookies, which are text files stored in a computer system via an Internet browser. Many websites use cookies. Many cookies contain a cookie ID, which is a unique identifier of the cookie. It consists of a character string through which Internet pages and servers can be assigned to the specific Internet browser in which the cookie was stored. This allows visited sites and servers to differentiate the individual browser of the data subject from other web browsers that contain other cookies. A specific Internet browser can be recognized and identified using cookie IDs.

Through the use of cookies, Company can provide users of this Website with user-friendly services that would not be possible without the cookie setting.

By means of a cookie, information and offers on our Website can be optimized with the specific user in mind. Cookies allow us to recognize our Website users. The purpose of this recognition is to make it easier for users to use our Website.

The data subject may, at any time, prevent the setting of cookies through our Website by use of the corresponding setting of the Internet browser used, and may permanently deny the setting of cookies. Cookies that are already set may be deleted at any time via an Internet browser or other software programs. If the data subject deactivates the setting of cookies in the Internet browser used, not all functions of our Website may be entirely usable. For more information about the cookies set by our websites, please see the cookies policy here.

Collection of general data and information

Our Website collects general data and information when a data subject calls up the Website. This general data and information are stored in the server log files. Collected information may be (1) the browser types and versions used, (2) the operating system used by the accessing system, (3) the website from which an accessing system reaches our Website (so-called referrers), (4) the sub-websites, (5) the date and time of access to the Internet site, (6) an Internet protocol address (IP address), (7) the Internet service provider of the accessing system, and (8) any other similar data and information that may be used in the event of attacks on our information technology systems.

When using this general data and information, Company does not draw any conclusions about the data subject. Rather, this information is needed to (1) deliver the content of our Website correctly, (2) optimize the content of our Website as well as its advertisement(s), (3) ensure the long-term viability of our information technology systems and Website technology, and (4) provide information necessary for investigation, civil claims and/or criminal prosecution in case of a cyber-attack. Therefore, Company analyzes anonymously collected data and information statistically, with the aim of increasing our data protection and data security, and to ensure an optimal level of protection for the personal data we process. The anonymous data of the server log files are stored separately from all personal data provided by a data subject.

Collection of Health Information

Certain functions of the Website may require you to enter information about your health ("Health Information") in conjunction with applicable insurance products. Health Information may sometimes be protected information under the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). Health Information covered by HIPAA is governed by the Company’s Notice of Privacy Practices. The Privacy Notice shall govern in the case of any conflict between the Privacy Notice and this Privacy Policy.

Disclosure of Your Information

We may use and disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this Policy:

To our affiliates to market their products or services to you unless you have opted out of receiving marketing emails.
To contractors, service providers, insurance carriers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
To a buyer or other successor in the event of a merger, reorganization, dissolution, or other sale or transfer of some or all of Company's assets, in which personal information held by Company about our Website users is among the assets transferred.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our Terms of Use, any license or other similar agreement between you or your organization and Company, and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Company or its affiliates, our clients, or others.

Subscription to Newsletters, Events, and other Marketing Emails

Our Website contains information that enables quick electronic contact to Company, as well as direct communication with us, which also includes a general e-mail address. If a data subject contacts Company by e-mail or via a contact form, the personal data transmitted by the data subject are automatically stored. Such personal data transmitted on a voluntary basis by a data subject to Company are stored for the purpose of processing or contacting the data subject. Your personal data may be stored in a third-party marketing management platform to facilitate the delivery of marketing emails and materials to you.

Users of our Website may request to receive a variety of services, including but not limited to:

Submissions through the Website’s “Contact Us” form
Registering for events, and
Subscribing to marketing emails or notifications

You may also opt in to receive marketing emails by engaging with Company through various ways, including:

Clicking on links through advertising and social media platforms,
Engaging with us directly through social media platforms, and
Responding to marketing forms through email to which you have already subscribed

The database(s) storing the list of subscribed users resides on systems within the United States of America for users located in the United States of America.

During the registration for these services, we may also store the IP address of the computer system assigned by the Internet service provider (ISP) and used by the data subject at the time of the registration, as well as the date and time of the registration. Your computer’s IP address may be stored in a marketing management platform, but is not directly accessible by our administrators or marketing staff. The collection of this data is necessary to understand the (possible) misuse of the e-mail address of a data subject at a later date, and it therefore serves to protect the controller.

The personal data collected as part of registration for these services will be used to send the requested information and may also be used to contact you about service offerings. In addition, subscribers to newsletters may be informed by e-mail, as long as this is necessary for the operation of the newsletter or a registration in question, as this could be the case in the event of modifications to the newsletter, or in the event of a change in technical circumstances.

Personal data may be transferred to a third party for purposes of facilitating delivery of the marketing messages and notifications. The subscription to receive marketing messages may be terminated by the data subject at any time. The consent to the storage of personal data, which the data subject has given for delivering the messages or notifications, may be revoked at any time. For the purpose of revocation of consent, a link to manage your preferences and unsubscribe from the marketing messages is found in each email message.

Emails-Tracking

Our marketing emails contain so-called tracking pixels. A tracking pixel is a miniature graphic embedded in e-mails, which are sent in HTML format to enable log file recording and analysis. This allows a statistical analysis of the success or failure of online marketing campaigns. Based on the embedded tracking pixel, Company may see if and when an e-mail was opened by a data subject, and which links in the e-mail were called up by data subjects.

Such personal data collected in the tracking pixels contained in the emails are stored and analyzed by the controller in order to optimize the delivery of the emails, as well as to adapt the content of future marketing messages to the interests of the data subject. These personal data will not be passed on to third parties. Data subjects are at any time entitled to revoke their consent issued by means of the opt-out procedure. After a revocation, the user’s information will be marked to be unsubscribed from any marketing messages or notifications. Company automatically regards a withdrawal from the receipt of the marketing messages as a revocation.

Users under the Age of 16

We do not knowingly collect personal information of children under the age of 16.

Requesting Information

Residents of Iowa and potentially other states provide (now or in the future) their states’ residents with the right to:

Confirm whether we process their personal information
Access and delete certain personal information
Correct inaccuracies in their personal information, taking into account the information’s nature processing purpose (excluding Iowa and Utah)
Data portability
Opt-out of personal data processing for:
- targeted advertising (excluding Iowa);
- sales, or
- profiling in furtherance of decisions that produce legal or similarly significant effects (excluding Iowa and Utah).
Either limit (opt-out of) or require consent to process sensitive personal data

The exact scope of these rights may vary from state to state.

Making a Request

You may make a request to know, correct, or delete by:

Contacting us at 833-824-5909, or

Submitting you request at info@fctrustinsurance.com

We will take steps to verify your identity to fulfill your request. We will verify your email address is active and we will take steps to verify the information you provide to us. In order to verify your identity we will request the following pieces of information: your name, email address, and ZIP code.

To safeguard against fraudulent requests, after submitting your request we will take steps to confirm that you want your information deleted.

To appeal our decision regarding your request, or to contact Company, please use the options listed above.

Changes to this Privacy Policy

We may update or modify this Privacy Policy at our discretion at any time. When we make changes to this Privacy Policy we will post the updated policy online and update the policy’s effective date. Please review this Privacy Policy periodically.

If we are required by applicable law to obtain your consent to any material changes before they come into effect, then we will do so in accordance with law.

More Information

For more information, you can write to us at FCT Insurance, LLC, Attn: General Counsel, 7745 Office Plaza Drive North, Suite 170, West Des Moines, IA 50266 or call us at 833-824-5909.