PRIVACY POLICY

Floridian Choice Insurance Group, Inc.
DBA Floridian Choice Insurance

Effective Date: 10/24/2026

Floridian Choice Insurance Group, Inc., doing business as Floridian Choice Insurance (“Floridian Choice,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal, financial, and business information entrusted to us.

This Privacy Policy explains how we collect, use, store, protect, retain, and share information in connection with our insurance services, website, and business operations.

Our agency provides personal and commercial insurance services, including homeowners, automobile, condominium, property, liability, business insurance, and other insurance products.

This policy applies to customers, prospective customers, website visitors, and other individuals who interact with Floridian Choice Insurance.

1. INFORMATION WE COLLECT

We collect various types of personal, financial, and business information necessary to provide insurance quotations, evaluate coverage needs, process applications, obtain insurance policies, and service our customers.

Depending on the insurance product or service requested, this information may include:

• Personal Identification Information: Names, addresses, telephone numbers, email addresses, dates of birth, Social Security numbers, driver's license numbers, and other identifying information.

• Residential and Property Information: Property addresses, ownership details, construction characteristics, occupancy information, mortgage information, and property valuations.

• Vehicle and Driver Information: Vehicle identification numbers, driving histories, licensing information, and insurance histories.

• Financial Information: Information relevant to insurance underwriting, payments, premium financing, and other insurance-related transactions.

• Commercial Information: Business names, ownership information, business activities, revenues, payroll, employee information, locations, and operational exposures.

• Insurance Information: Existing coverage, policy details, claims history, loss information, and underwriting documentation.

• Other Sensitive Information: Additional personal, financial, health-related, or confidential information reasonably necessary to evaluate insurance eligibility, obtain coverage, or perform insurance-related services.

The specific information collected depends on the insurance products requested and the requirements of the insurance companies and other parties involved.

2. HOW WE COLLECT INFORMATION

We may collect information through various sources, including:

• Website contact forms and insurance quotation requests.

• Insurance applications and supporting documents.

• Telephone conversations, emails, and text messages.

• Electronic communications and document submissions.

• Direct interactions with customers and authorized representatives.

• Insurance carriers, underwriting organizations, claims administrators, and other authorized insurance professionals.

• Publicly available records and third-party information sources, when permitted by applicable law.

Information submitted through our website may be processed and stored through Wix, our agency's email systems, and other authorized business platforms.

We encourage customers to avoid sending Social Security numbers, payment card information, and similarly sensitive documents through general website contact forms or unsecured email unless specifically instructed to use an appropriate secure process.

3. HOW WE USE YOUR INFORMATION

Floridian Choice uses personal and business information for legitimate insurance and business purposes, including:

• Preparing insurance quotations and evaluating coverage options.

• Submitting applications to insurance carriers and underwriting organizations.

• Obtaining, issuing, renewing, modifying, and servicing insurance policies.

• Assisting customers with claims and insurance-related inquiries.

• Processing premium payments and insurance financing arrangements.

• Communicating regarding coverage, renewals, billing, and policy servicing.

• Maintaining accurate agency and customer records.

• Complying with legal, regulatory, and contractual obligations.

• Improving customer service, business operations, and website functionality.

• Providing information about insurance products, services, educational resources, and promotional opportunities, subject to applicable laws and consent requirements.

We use customer information for purposes reasonably associated with our insurance services, business operations, and legal obligations.

4. SHARING AND DISCLOSURE OF INFORMATION

Insurance transactions often involve multiple organizations and professionals.

To provide insurance products and services, Floridian Choice may share relevant information with third parties involved in obtaining, underwriting, administering, financing, or servicing insurance coverage.

These parties may include:

• Insurance companies and insurance carriers.

• Managing general agents, wholesalers, and insurance brokers.

• Underwriters and other insurance professionals.

• Insurance inspection and valuation companies.

• Claims administrators and related service providers.

• Premium finance companies and payment processors.

• Agency management and document storage providers.

• Information technology, website hosting, email, and other business service providers.

• Other organizations or professionals reasonably necessary to complete an authorized insurance transaction or provide requested services.

We may also disclose information when required or permitted by applicable federal or state law, including requests from governmental authorities, regulatory agencies, or legal proceedings.

The sharing of nonpublic personal financial information is subject to applicable insurance privacy laws and any required notices, consent, or opt-out procedures.

The submission of information for an insurance transaction does not constitute unrestricted authorization to disclose confidential customer information for unrelated purposes.

We do not sell customers' Social Security numbers or other sensitive insurance application information to third parties for unrelated commercial purposes.

5. INFORMATION SECURITY

Floridian Choice recognizes the importance of protecting confidential customer information.

We utilize administrative, technical, and organizational safeguards designed to help protect personal and business information against unauthorized access, disclosure, alteration, and misuse.

Our security practices include the use of established technology providers, electronic agency management systems, password-protected applications, authentication controls, antivirus protection, password management tools, and access restrictions.

Customer information maintained in our agency management system is protected through the security and encryption capabilities provided by that platform.

We also rely on technology and service providers that maintain information security measures appropriate to their services.

While we take reasonable precautions to protect customer information, no electronic communication, transmission, or storage system can be guaranteed to be completely secure.

Customers are encouraged to contact our office for appropriate methods of submitting highly sensitive information.

6. INFORMATION RETENTION

Floridian Choice maintains customer information and insurance records in accordance with applicable legal and regulatory requirements.

Certain insurance records must be retained for a minimum of five years following policy expiration under Florida law.

Our agency may maintain customer records beyond the minimum legally required retention periods.

Information may remain in our electronic agency management systems after an insurance policy expires or a customer relationship ends.

Extended retention may support legitimate business purposes, including historical insurance records, customer service, future insurance transactions, regulatory compliance, legal obligations, and other authorized business activities.

Our agency's retention practices are subject to applicable legal and regulatory requirements.

7. COOKIES AND WEBSITE TRACKING TECHNOLOGIES

Our website uses cookies and similar technologies to support website functionality, improve visitor experience, and facilitate certain third-party services.

These technologies may include:

Essential Cookies: Technologies necessary for website operation, security, and basic functionality.

Functional Cookies: Technologies that support additional website features and functionality.

Analytics Cookies: Technologies that help us understand website usage and performance.

Marketing Cookies: Technologies that may support advertising, promotional activities, embedded media, and other third-party services.

Our website utilizes Wix and Usercentrics for website functionality and cookie consent management.

Certain website pages may contain embedded content, including YouTube videos, that involves third-party technologies.

Where required by applicable law, visitors may accept or reject optional cookie categories through our website's cookie consent management system.

Visitors may also modify their preferences using the cookie consent controls available on our website.

Rejecting optional cookies may affect the availability of certain embedded content or website functionality.

Third-party providers may have their own privacy and cookie policies governing their processing of information.

8. CUSTOMER COMMUNICATIONS AND MARKETING

Floridian Choice communicates with customers and prospective customers through telephone calls, email, text messages, postal mail, and other available communication methods.

Communications may relate to:

• Insurance quotations and applications.

• Policy issuance, modifications, and renewals.

• Payment reminders and billing matters.

• Claims assistance and customer service.

• Insurance product information and educational materials.

• Newsletters, promotional offers, and marketing communications.

We may send marketing communications where permitted by applicable law and subject to any required consent.

Customers may request to discontinue promotional communications by contacting our agency directly.

Marketing emails include an unsubscribe mechanism when required by applicable law.

Where supported, text-message recipients may opt out using the instructions included in the message, such as replying STOP. Customers may also contact our agency directly to request that promotional text messages stop.

We honor applicable opt-out requests in accordance with relevant legal requirements.

Opting out of promotional communications does not necessarily prevent communications relating to existing policies, requested services, required notices, or other legitimate insurance transactions.

This Privacy Policy does not independently constitute consent to receive automated marketing calls or text messages. Any legally required consent must be obtained separately.

9. CUSTOMER PRIVACY RIGHTS

Floridian Choice respects the privacy rights of its customers and website visitors.

Depending on applicable law, individuals may have certain rights regarding their personal information, including:

• Requesting information about our privacy practices.

• Accessing certain personal information maintained by our agency.

• Requesting correction of inaccurate information.

• Requesting deletion or restriction of information where legally available.

• Opting out of certain marketing communications.

• Exercising applicable rights concerning disclosures of nonpublic personal financial information.

Privacy-related requests may be submitted using the contact information provided below.

We may require reasonable identity verification before processing requests involving confidential information.

Certain requests may be subject to legal, regulatory, contractual, or insurance recordkeeping limitations.

For example, information associated with insurance transactions may need to be retained even after an individual requests its deletion.

We will evaluate privacy requests in accordance with applicable legal requirements.

10. THIRD-PARTY WEBSITES AND SERVICES

Our website may contain links to third-party websites, insurance carriers, financial service providers, informational resources, and other external services.

These websites and services may operate under privacy policies different from ours.

Floridian Choice is not responsible for the independent privacy practices of third-party websites or services outside our control.

We encourage visitors to review the applicable privacy policies before providing personal information to third parties.

11. CHILDREN'S PRIVACY

Our website is not intended to solicit personal information directly from children under the age of 13.

We do not knowingly collect personal information directly from children under 13 through our general website services.

Information concerning minors may be collected when reasonably necessary for legitimate insurance transactions involving parents, legal guardians, policyholders, or authorized representatives, subject to applicable law.

12. CHANGES TO THIS PRIVACY POLICY

Floridian Choice may update this Privacy Policy periodically to reflect changes in our business operations, insurance services, technology, privacy practices, or applicable legal requirements.

Updated versions will be posted on our website with a revised effective date.

Where required by law, we will provide additional notices or obtain necessary consent before implementing material changes in our information practices.

We encourage website visitors and customers to review this Privacy Policy periodically.

13. CONTACT INFORMATION

If you have questions about this Privacy Policy, our handling of personal information, or your available privacy rights, please contact:

Floridian Choice Insurance Group, Inc.
DBA Floridian Choice Insurance

Physical Address:
2332 Galiano Street, 2nd Floor
Coral Gables, Florida 33134

Mailing Address:
P.O. Box 430600
Miami, Florida 33243

Telephone: (305) 857-9880

Email: info@floridianchoice.com

We will review privacy-related inquiries and requests in accordance with applicable legal requirements.

Effective Date: 10/24/2026