Privacy Policy & Terms

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Welcome to FLC Insurance Services. By accessing or using our website and services, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

FLC Insurance Services provides insurance guidance, education, and enrollment assistance. Our services include:
✔ Assisting individuals and businesses in understanding insurance options
✔ Providing free enrollment assistance for eligible insurance plans
✔ Offering optional paid services for personalized insurance consultations

📌 Important: FLC Insurance Services does not make final decisions on insurance coverage or underwriting. All decisions regarding insurance policies are made by the respective insurance providers.

By using our website and services, you agree to:
✔ Provide accurate and truthful information when requesting a quote or consultation
✔ Not misrepresent personal details when submitting applications
✔ Only use this website for lawful purposes

🚨 Prohibited Activities:
❌ Attempting to access or manipulate secure areas of the website
❌ Using automated systems or bots to submit multiple requests
❌ Sharing misleading or fraudulent information

Your privacy is important to us. By using our services, you acknowledge that we collect and process personal information as outlined in our Privacy Policy.

📌 Key Points:
✔ We collect personal details only to assist in insurance-related services
✔ We do not sell, rent, or share your data with third parties for marketing
✔ You can update or request deletion of your information by contacting admin@flcins.com

By providing your contact details, you agree to receive relevant communications from FLC Insurance Services, including:
✔ Emails regarding insurance quotes or application status
✔ Text messages (SMS) for appointment reminders, updates, and account notices

📌 Opt-Out: You may unsubscribe from emails or reply STOP to text messages at any time to stop communications.

Some services provided by FLC Insurance Services require payment, such as personalized insurance consultations.

📌 Payment Terms:
✔ All payments for consultations and paid services are final and non-refundable
✔ Payments must be completed before the scheduled consultation

🚨 Cancellation Policy:
✔ Clients must cancel appointments at least 24 hours in advance to reschedule
✔ Missed appointments without notice may not be eligible for rescheduling

We strive to keep our website operational at all times, but we do not guarantee uninterrupted access. We may:
✔ Perform site maintenance, which could temporarily impact access
✔ Update service offerings or terms as necessary

📌 Disclaimer:
FLC Insurance Services provides educational and enrollment assistance but does not guarantee insurance plan approvals or benefits.

Our website may contain links to third-party websites for informational purposes. FLC Insurance Services is not responsible for the content or privacy policies of these external sites.

🚨 Important: If you choose to engage with any third-party service linked from our website, you do so at your own discretion.

We may update these Terms of Service from time to time. Any changes will be posted on this page with the updated effective date.

📌 Your continued use of the website and services means you accept any changes to these terms.

If you have any questions about these Terms of Service, you may contact us at:
📩 Email: admin@flcins.com
📞 Phone: +1 (800) 459-5750