BeaconFMO ("Beacon," "we," "us," or "our") is committed to protecting the privacy of our users, clients, and website visitors. This Privacy Policy explains how we collect, use, store, and protect your information when you visit www.beaconfmo.com, use the Beacon Portal at portal.beaconfmo.com, or engage with any of our services.

Information We Collect

We collect information you voluntarily provide when you:

• Submit a contact form or inquiry on our website
• Create an account on the Beacon Portal
• Contract with BeaconFMO as a producer or advisor
• Subscribe to any of our paid services
• Communicate with us via email, phone, or other channels

This may include your name, email address, phone number, business name, professional license information, and other details relevant to the services you are using.

We also automatically collect standard technical data such as IP address, browser type, device information, pages visited, and time spent on site. This data is used solely for analytics and improving user experience.

How We Use Your Information

We use collected information to:

• Respond to your inquiries and provide requested services
• Facilitate account creation, authentication, and portal access
• Process contracting and carrier appointments
• Deliver content, tools, and resources through the Beacon Portal
• Communicate service updates, changes, or important account information
• Improve our website, platform, and service offerings
• Comply with legal and regulatory obligations

We Do Not Sell Your Data

BeaconFMO will never sell, rent, lease, or trade your personal information to third parties for marketing or any other purpose. Your data belongs to you. We do not share your personal information with outside parties except as necessary to provide our services (e.g., carrier appointment processing) or as required by law.

Phone Number & SMS

If you use the Beacon Portal, your phone number may be used solely for one-time verification codes (OTP) for login authentication. We do not send marketing, promotional, or recurring messages via SMS. Your phone number is stored securely and is never shared with third parties for marketing purposes. Standard message and data rates may apply.

Data Storage & Security

Your information is stored on secure, industry-standard infrastructure. We use encryption in transit (TLS/SSL) and at rest to protect your data. Access to personal information is restricted to authorized personnel who need it to perform their job functions. While no system is 100% secure, we take commercially reasonable measures to protect your information from unauthorized access, disclosure, alteration, or destruction.

Cookies & Analytics

We use cookies and analytics tools to understand how visitors interact with our site and to improve the user experience. Cookies are small text files stored on your device. You can control or disable cookies through your browser settings, though some site functionality may be affected.

Third-Party Services

We use third-party services for hosting, analytics, authentication, payment processing, and platform infrastructure. These providers have their own privacy policies governing how they handle data. We only share the minimum information necessary for these services to function. We do not authorize any third-party service provider to use your personal information for their own marketing purposes.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, maintain our business relationship, or comply with legal and regulatory requirements. When data is no longer needed, it is securely deleted or anonymized.

Your Rights

You have the right to:

• Request access to the personal data we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal data, subject to legal and contractual obligations
• Opt out of non-essential communications

To exercise any of these rights, contact us at info@beaconfmo.com. We will respond to your request within 30 days.

Children's Privacy

Our services are intended for licensed insurance professionals and business clients. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected data from a minor, we will promptly delete it.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any updates will be posted on this page with a revised "Last updated" date. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.