Privacy Policy

Privacy Notice

YourFMO (“YourFMO”) is committed to protecting your privacy and provides this policy to explain how we use personal information collected on this website. This Privacy Notice also applies to the YourFMO website and all of the websites, mobile applications, social media, or other electronic or web-based services (collectively, “website”) owned, operated, offered, or sponsored by YourFMO or any of YourFMO’s affiliates and governs data collection and usage for all information we collect. By using the YourFMO website, mobile applications, or other electronic or web-based services, you agree to and consent to the data practices described in this policy. Your use of this website and its various web pages constitutes your acceptance and agreement to all terms, conditions, and notices.

This Privacy Notice does not supersede the terms contained in the Legal Notice that governs your use of the YourFMO website. In the event of any conflict between the Privacy Notice and Legal Notice, such conflict shall be determined and resolved in favor of the terms, conditions, and notices in the Legal Notice, which is controlling over the Privacy Notice, to the extent allowed by law. The Privacy Notice only addresses the use and disclosure by YourFMO of information YourFMO collects from you.

Consent to Use Website

By providing personal information to us through YourFMO’s website, you are consenting to the collection, use, and disclosure of your personal information in accordance with this Privacy Notice. If you do not agree with the practices described in this Privacy Notice, please do not provide personal information through YourFMO’s website.

Collection of your Personal Information

YourFMO collects only limited personally identifiable information that you voluntarily provide to us, such as your name, e-mail address, date of birth, telephone number, address, other contact information, financial and health information, social security number or similar national identifying number, geolocation information, and social media account identification. YourFMO may supplement the information you submit to us online with other personal information we have about you, including information, if any, from our affiliates and vendors. YourFMO also may collect anonymous demographic information, which is not unique to you.

There is also information about your computer hardware and software that is automatically collected by YourFMO. This information can include your IP address, browser type, domain names, access times, and referring website addresses. This information is used by YourFMO for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the YourFMO website, and at no time do we share any collected information with third parties, except as required by law.

YourFMO encourages you to review the privacy statements or policies of websites you choose to link to from YourFMO so that you can understand how those websites collect, use, and share your information. YourFMO is not responsible for the privacy statements or policies or other content on websites outside of the YourFMO website and does not control the content or privacy policies of such websites or third parties. YourFMO has no liability or responsibility for privacy or other issues related to the collection or use of your information by such other sites or third parties.

Use of your Personal Information

YourFMO collects and uses personal information that you provide to us to operate the YourFMO website and deliver the services you have requested. YourFMO also uses your personally identifiable information to inform you of other products or services available from YourFMO and its affiliates. YourFMO may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered. The uses include sending you information about insurance-related services and resources, sending you administrative information, providing customer service, sending you marketing information that we think may be of interest to you, providing information regarding insurance products, conducting our business to better serve our customers, taking action as required by applicable law or legal process, to enforce the Legal Notice and Privacy Notice, informing you of employment and contractor opportunities, and other purposes disclosed at the time we request your information.

YourFMO keeps track of the websites and pages our customers visit within the YourFMO website in order to determine what YourFMO services are the most popular. This data is used to deliver customized content and advertising within YourFMO to customers whose behavior indicates that they are interested in a particular subject area. For example, we may upgrade those parts of the website that are heavily visited or optimize the website to work more efficiently with certain operating systems.

Certain parts of the YourFMO website may require you to submit some identifying information and use individual passwords in order to access some information. If you provide this information, it is kept secured. YourFMO treats this information as confidential. YourFMO will use this information only to satisfy your requests for information regarding YourFMO or the products we offer. YourFMO and its affiliates may share your personal information with one another to ensure that your use of the website and our services is beneficial to you. We may also share your personal information with YourFMO affiliates to support our business operation, to provide services to you, and for any other purpose described in this Privacy Notice.

We do not share any of the personal information collected on our website with any unaffiliated entities. We do work with third parties that provide services to us, including, but not limited to, website hosting, information technology, and data analysis, so we may share your information with them so they can provide those services. We may share personal information with third parties to permit them to send you marketing communications, if you have opted in to such sharing. We share any personal information you provide on our website for the purposes stated on the page where we collected the information and in accordance with applicable laws and regulations.

YourFMO’s website may share your personal information with unaffiliated third parties only if required to do so by law or in the good faith belief that such action is necessary to comply with applicable law or comply with legal process served on YourFMO or the site; protect and defend the rights or property of YourFMO; act under exigent circumstances to protect the personal safety of users of YourFMO, or the public; in litigation, investigations, and other legal matters where the data is relevant; in consideration of the potential sale or transfer of YourFMO or some of our assets or in the context of similar business negotiations; to identify you to anyone to whom you send messages through the website; and to enforce the Legal Notice.

Other Information

The YourFMO website uses “cookies” and other technologies to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize YourFMO pages, or register with the YourFMO site or services, a cookie helps YourFMO to recall your specific information on subsequent visits. This simplifies the process of recording your personal information. When you return to the same YourFMO website, the information you previously provided can be retrieved, so you can easily use the YourFMO features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the YourFMO services or websites you visit.

An IP Address may be identified and logged automatically in our server log files whenever a user access the website, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice and is done automatically by many websites, applications, and other services. We use IP Addresses for purposes such as calculating usage levels of the website and helping diagnose server problems.

If you access email or social networking services through our website or social media, we may allow those services to collect certain anonymous information about your visits to our website so they may provide you with advertisements about the goods or services they offer that might be of interest to you. These third-party services may use cookies or web beacons to obtain the information.

Anonymous and Aggregate Information

We may aggregate personal information so that it does not personally identify you or any other user of the website (for example, we may aggregate personal information to analyze the percentage of our users who have a particular zip code). We may remove personally identifiable information to create anonymous data. We use and share anonymous and aggregate information for historical, statistical, or business planning purposes. Additionally, we may use and share this information for any purpose except where we are required to do otherwise under applicable law. If we are required to treat this information as personal information under applicable law, then we may use it as described above in “Other Information,” as well as for the purposes for which we use and share information.

Our Online Privacy Notice for Children

Our website is not directed to or intended for children. We do not knowingly collect or post information from children under the age of 13 in compliance with laws protecting the privacy of children.

Social Media

We maintains profiles and/or pages on various social media platforms including Facebook and Twitter. If you choose to “Like” YourFMO on Facebook, “Follow” YourFMO on Twitter, or take any other similar action on another social media site, you are providing your consent to receive information updates, including solicitations, from YourFMO. If you want to stop receiving this information from YourFMO on a social media site, you must follow the procedure established by the site. For example, on Facebook, you must click “Unlike” on YourFMO’s page.

Links to Other Websites

The website may contain links to websites operated by third parties. If you provide personal information to any third party’s website, your transaction will occur on that website (not YourFMO’s websites) and that website operator will collect the personal information you provide and will be subject to its privacy policies. We encourage you to read the legal notice, terms of use, and privacy notices posted on those sites. This Privacy Notice does not apply to your use of and activity on those other third-party websites. We provide links through the website to other websites only as a convenience, and the inclusion of these links does not imply endorsement of the linked site. We have no responsibility or liability for your use of third party websites. Please note that we are not responsible for the collection, usage ,and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app developer, app providers, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any personal information you disclose to other organizations through or in connection with our mobile applications or other websites.

Our Privacy Commitment to Applicants for Employment and Contractor Positions

We may collect information you provide, including personal contact information, education, and work history, in order to process and consider your application. We will not sell your application information to unaffiliated third parties for marketing purposes. The information on your application may be shared with background check services and our affiliates and used for certain regulatory, compliance and legal purposes.

Security of your Personal Information

YourFMO takes reasonable precautions to secure your personal information from unauthorized access, use, or disclosure. Since no method of transmitting or storing data can be guaranteed to be secure, we cannot ensure the security of any information you transmit to us through or in connection with the website. If you have reason to believe your interaction with us is no longer secure, please notify us immediately.

Changes to this Policy

YourFMO will occasionally update or modify this Privacy Notice to reflect feedback we receive. YourFMO may change its Privacy Notice at any time without notice at our sole discretion. YourFMO encourages you to review this Privacy Notice each time you visit this website to look for any changes to the Privacy Notice prior to your use of the YourFMO website.

Contact Information

If you have questions or concerns about our Privacy Notice, please contact us at Attention: General Counsel, 2650 McCormick Drive, Clearwater, Florida 33759 or by telephone at (727) 726-0726. YourFMO welcomes your comments regarding this Privacy Notice. We will use commercially reasonable efforts to evaluate the concern.

This Privacy Notice was modified in November 2017.


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