Privacy Policy — L&G Marques Insurance

1. Introduction

L&G Marques Insurance ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use and share it, and the choices you have. It applies to our website (www.lgmarquesinsurance.com), our online forms, our advertising on platforms such as Facebook and Instagram, and any other interactions you have with us.

By using our website or submitting your information to us, you agree to the practices described in this policy.

2. Who We Are

L&G Marques Insurance is a licensed health insurance brokerage.

• Address: PO Box 520193 Longwood FL 32752
• Phone: 407-501-5800
• Email: Support@lgmarquesinsurance.com
• Licensed in: AL, AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NH, NM, NV, NJ, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY

3. Information We Collect

We collect the following types of information:

Information you provide directly, including when you complete a form on our website, submit a lead form through a Facebook or Instagram advertisement, request a quote, book an appointment, or contact us:

• Name
• Phone number
• Email address
• ZIP code or location
• Responses to questions in our forms (for example, your coverage timeline, employment status, or insurance needs)

Health-related information, only as needed to provide quotes and recommend appropriate coverage. We collect this only with your knowledge and use it solely to serve your insurance needs. Usually collected via Facebook lead forms:

• Age or date of birth
• Number of people needing coverage (household size)
• Current insurance status (insured/uninsured)
• Income range (for ACA subsidy qualification)
• ZIP code / county
• Preferred coverage start date
• Employment status

Information collected automatically when you visit our website, such as IP address, browser type, device information, pages visited, and similar analytics data, including through cookies and tracking technologies (see Section 8).

Information from advertising platforms. When you respond to one of our ads on Facebook or Instagram, the platform may share with us the information you submitted in the ad's lead form, consistent with that platform's terms and your privacy settings.

4. How We Use Your Information

We use your information to:

• Contact you about health insurance and related products
• Prepare and provide insurance quotes
• Schedule and conduct consultations and appointments
• Follow up with you, including through automated appointment-setting and reminder tools
• Send marketing and promotional communications (where you have consented)
• Operate, maintain, and improve our website and services
• Comply with legal and regulatory obligations

5. SMS / Text Messaging

By providing your contact information to L&G Marques Insurance, you give your explicit consent to be contacted by SMS text message and email for purposes that may include marketing and promotional content.

• Consent is not a condition of purchase. You are not required to agree to receive marketing texts in order to buy any product or service from us.
• Message frequency may vary.
• Message and data rates may apply.
• To opt out, reply STOP to any text message at any time.
• For help, reply HELP or contact us at 407-501-5800.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS text messaging originator opt-in data and consent are excluded from any information sharing — this information will not be shared with any third parties.

6. How We Share Your Information

We may share your information with:

• Insurance carriers and providers in order to obtain quotes and place coverage on your behalf
• Service providers that help us operate our business, such as our customer relationship management (CRM) and appointment-setting platforms, which process information on our behalf under confidentiality obligations
• Legal and regulatory authorities where required by law, regulation, legal process, or to protect our rights

We do not sell your personal information. As stated above, SMS opt-in and consent data is never shared with third parties for marketing.

7. Your Rights and Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction or deletion of your information
• Opt out of marketing communications
• Opt out of the sale or sharing of personal information (note: we do not sell personal information)

California residents: Under the California Consumer Privacy Act (CCPA/CPRA), you have specific rights regarding your personal information. California Residents — CCPA/CPRA Rights. If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) as amended by the CPRA:

• Right to Know — You may request details about the personal information we have collected about you, including the categories, sources, and purposes for collection.
• Right to Delete — You may request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Correct — You may request that we correct inaccurate personal information we hold about you.
• Right to Opt Out — We do not sell or share your personal information for cross-context behavioral advertising, so no opt-out is required. However, you may contact us at any time to limit use of your information.
• Right to Non-Discrimination — We will not discriminate against you for exercising any of your CCPA rights.

To submit a request, contact us at Support@lgmarquesinsurance.com or 407-501-5800. We will respond within 45 days as required by law.

To exercise any of these rights, contact us at Support@lgmarquesinsurance.com or 407-501-5800.

8. Cookies and Tracking Technologies

Our website uses cookies, pixels, and similar tracking technologies to operate the site, analyze traffic, and measure advertising performance. Specifically, we use:

• Google Analytics — to understand how visitors interact with our website (pages visited, time on site, traffic sources). Google may collect and process this data per their own privacy policy.
• Meta/Facebook Pixel — to measure the performance of our Facebook and Instagram advertising campaigns and to show relevant ads to people who have visited our site. Meta may collect and process this data per their own privacy policy.

These technologies may collect your IP address, browser type, device information, and browsing behavior on our site. You can control or disable cookies through your browser settings. To opt out of Meta's ad tracking, visit your Facebook Ad Preferences. To opt out of Google Analytics, visit Google's opt-out page. You can control cookies through your browser settings.

9. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements.

10. Data Security

We take reasonable administrative, technical, and physical measures to protect your personal information against unauthorized access, use, or disclosure. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

11. Children's Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent revision. We encourage you to review this page periodically.

13. Contact Us

If you have questions about this Privacy Policy or how we handle your information, contact us at: