Privacy Policy

1. Introduction

A&E Insurance Agency ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit https://www.aeinsurancefl.com or submit information through our forms and tools.

2. Information We Collect

We may collect the following types of information:

• Personal information you voluntarily provide, including your name, email address, phone number, and ZIP code when submitting a contact form, booking a consultation, or registering for a webinar.
• Usage data automatically collected when you visit our website, including IP address, browser type, pages visited, and time spent on pages.
• Cookies and tracking technologies used by analytics tools (such as Google Analytics) to understand how visitors use our website.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide insurance guidance
• Schedule and confirm consultations or appointments
• Send educational content and follow-up communications related to your request
• Improve our website and understand visitor behavior
• Comply with legal obligations

4. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information with:

• GoHighLevel (CRM) — our customer relationship management platform used to store and manage contact records and appointment bookings.
• Licensed insurance carriers — only when you request a quote or enrollment assistance, and only to the extent necessary to fulfill your request.
• Service providers — third-party vendors who assist us in operating our website and conducting our business, bound by confidentiality agreements.
• Legal requirements — when required by law or in response to valid legal processes.

5. TCPA / SMS and Email Communications

By submitting a form on this website, you consent to receive communications from A&E Insurance Agency, including phone calls, emails, and SMS/text messages related to your insurance inquiry. You may opt out of text messages at any time by replying STOP. You may unsubscribe from emails by clicking the unsubscribe link in any email we send. Standard message and data rates may apply.

6. Cookies

We use cookies and similar tracking technologies to analyze website traffic and improve your experience. You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain features on our website. We use Google Analytics to collect aggregated, anonymized usage data.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law. You may request deletion of your personal information at any time by contacting us.

8. Health Information & HIPAA

As an independent insurance broker, we may receive or discuss health-related information in connection with your insurance needs — such as Medicare eligibility, coverage gaps, or prescription information. We treat all health-related information with the same care as personal information and share it only as necessary to fulfill your request (e.g., obtaining quotes or enrolling you in a plan). When we work with insurance carriers who are HIPAA-covered entities, those carriers' own HIPAA privacy notices apply to information they hold about you. We implement reasonable safeguards for any health-related data we receive.

9. Do Not Sell My Personal Information

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. This applies to residents of all states, including California (CCPA) and other states with similar consumer privacy laws. If you have questions about how your information is used, please contact us using the information below.

10. Your Rights (Florida & Other Residents)

Depending on your state of residence, you may have rights including the right to access, correct, or delete personal information we hold about you. To exercise these rights, please contact us using the information below. We will respond within 45 days of receiving your request, as required under applicable law. In some cases, we may need to verify your identity before fulfilling a request.

11. Children's Privacy

Our website is not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

12. Third-Party Links

Our website may contain links to third-party websites such as Medicare.gov, CMS.gov, and SSA.gov. We are not responsible for the privacy practices of these sites and encourage you to review their privacy policies.

13. Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.

14. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised "Last updated" date at the top of this page. Continued use of our website after any changes constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us: