Privacy Policy

1. Who We Are

Maria Fernanda Insurance Consulting is a licensed independent insurance agent operating in the United States. We collect personal information solely to provide insurance quotes and connect individuals with coverage options through licensed carriers.

2. Information We Collect

We collect the following categories of information when you submit a quote request or contact us:

• Name, email address, and phone number
• ZIP code, city, and state
• Insurance type requested and coverage preferences
• Vehicle information (for auto insurance quotes)
• General health information (for health insurance quotes only)
• TCPA consent record and timestamp

We do not collect Social Security Numbers, financial account numbers, or government identification numbers through this website.

3. How We Use Your Information

We do not sell or market your personal data. Your information is used exclusively to:

• Prepare and deliver insurance quotes
• Contact you regarding insurance options you requested
• Connect you with licensed insurance carriers for coverage
• Comply with legal and regulatory requirements

4. Data Sharing

We do not sell or market personal data. We may share your information only with:

• Technology service providers (hosting, CRM, email delivery) who process data on our behalf under confidentiality agreements
• Advertising platforms (Meta, Google) under their own privacy policies, solely for campaign measurement
• Licensed insurance carriers, solely to process your quote request
• Competent authorities when required by law

4. HIPAA Notice

Any health-related information you provide for health insurance quotes is handled in compliance with the Health Insurance Portability and Accountability Act (HIPAA). This information is used only for the purpose of obtaining health insurance quotes and is not disclosed to any party without your authorization except as required by law.

5. TCPA Consent and Communications

By submitting a quote request, you provide prior express written consent for Maria Fernanda Insurance Consulting to contact you at the phone number and email address provided, including via automated telephone calls, pre-recorded messages, and text messages (SMS/MMS), for insurance-related purposes. Consent is not a condition of purchase. You may revoke consent at any time by replying STOP to any text message or emailing us.

6. California Residents — CCPA Rights

California residents have the right to: (a) know what personal information we collect; (b) request deletion of their personal information; (c) opt out of the sale of personal information (we do not sell personal information); (d) non-discrimination for exercising these rights. To submit a request, contact us at the information below.

7. Cookies and Tracking Technologies

This website may use cookies and similar tracking technologies, including analytics tools (Google Analytics) and advertising pixels (Meta Pixel), to understand usage patterns and improve our services. You may decline non-essential cookies using the consent banner displayed on your first visit. Declining tracking cookies does not affect your ability to use this website or request a quote.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, and no longer than 5 years from the date of your last active contact, unless a longer period is required by applicable law or insurance regulation.

9. Security

We implement HTTPS encryption, access controls, and periodic security reviews to protect your personal information. No method of transmission over the Internet is 100% secure. In the event of a data breach affecting your rights, we will notify affected users as required by applicable law.

10. International Data Transfers

Your data may be processed on servers outside the United States through providers such as Supabase (database), Google (analytics), and Meta (advertising). Each of these providers maintains data transfer mechanisms that comply with internationally recognized data protection standards.

10. Contact

For privacy-related requests or questions, contact us at:

Maria Fernanda Insurance Consulting
Email: info@consultingbymf.com
Phone: (908) 228-0973