PRIVACY NOTICE
In this Notice, Universe Financial Insurance Services, LLC (the “Company”) discloses information
about its personal data processing practices. This Notice is effective October 19, 2020. The
Company respects your privacy and is committed to protecting it through our compliance with
these policies.
Each of the Company’s subsidiaries has posted a privacy notice that is specific to its personal data
processing practices, which may differ from the Company’s data processing practices.
As described in more detail in this Notice, the main purpose of the Company’s collection and use
of personal information is to communicate with licensed insurance agents and insurance
marketing organizations and facilitate the sale of insurance products to individuals who express
interest in such products.
PERSONAL INFORMATION WE COLLECT
The Company collects or obtains the following types of “personal information,” defined as
information that identifies, relates to, describes, references, is reasonably capable of being
associated with, or could reasonably be linked, directly or indirectly, with a particular consumer,
household, or device:
CATEGORY EXAMPLES
Identifiers Customers’, Consumers’ and Agents’ name.
Customers', Consumers’ and Agents’ postal
and email address.
Agents’ license number, and National
Producer Number.
Customers’, Agents’, and Employees’ name,
address, email address, and Social Security
number.
Personal information categories listed in the
California Customer Records statute
Customers’ insurance policy number.
Agents’ financial information (paid
commissions).
Characteristics of protected classifications
under California or federal law
Customers’, Consumers’ and Agents’ age.
Employees’ age, race, marital status, and sex
or gender.
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Commercial information Customers’ products or services purchased.
Internet or other similar network activity Information on a user’s interaction with our
websites, applications, or advertisements.
Geolocation data Location of website users.
Professional or employment-related
information
Employees’ and contractors’ job history
submitted to us.
Education information Employees’ and contractors’ education
information submitted to us.
The Company does not collect biometric information or sensory data.
SOURCES OF PERSONAL INFORMATION
The Company collects the categories of personal information above from the following categories
of sources:
• Directly from users when they provide information electronically, by phone, or by mail;
• Our affiliates and business partners;
• Our agents;
• Lead vendors to whom you have provided your information;
• Client referrals;
• Data verification services;
• Users’ browsers;
• Marketing vendors and advertising networks; and
• Social media, if you provide us information on social media platforms.
The Company obtains information pertaining to insurance agents primarily from the agents
themselves when they choose to affiliate with the Company. The Company obtains information
pertaining to consumers seeking to purchase insurance products from referrals and written and
electronic consumer inquiries regarding insurance products (including through companies that
assist in the delivery of such inquiries). The Company also obtains such information from its
subsidiaries.
USE OF PERSONAL INFORMATION
The Company may use or disclose the personal information that it collects for one or more of the
following purposes:
• Provide you products and services;
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• Address your inquiries;
• Process transactions;
• Tailor the content and information that we may send or display to you;
• Where permitted, for marketing and promotional purposes, such as to provide information
to you about the products and services we offer;
• Analyze use of our products and services, where permitted by law;
• Develop new products and services;
• Provide and personalize our services;
• Comply with legal obligations;
• Protect our rights, property, and safety or the rights, property, and safety of others;
• As described to you when collecting your personal information or as otherwise set forth in
applicable law;
• Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or
other sale or transfer of some or all of our assets, whether as a going concern or as part of
bankruptcy, liquidation, or similar proceeding, in which personal information held by us
about our customers is among the assets transferred.
The Company uses information pertaining to insurance agents to communicate with and
compensate insurance agents. The Company uses information pertaining to consumers seeking to
purchase insurance products to contact such consumers and provide policy services.
From time to time, the Company may contact you via email, mail, and/or telemarketing calls, for
the purpose of providing announcements, promotional offers, alerts, confirmations, surveys,
and/or other general communication. If you would like to stop receiving marketing or promotional
communications via email, mail, and/or telemarketing calls from the Company, you may opt out
of such communications by contacting us at the toll-free number or email address listed below.
SHARING PERSONAL INFORMATION
The Company may disclose your personal information to a third party for a business purpose. The
Company may share the personal information of consumers with licensed insurance agents,
insurance carriers, service providers, all primarily for the purpose of facilitating the sale of
insurance products to individuals who are interested in purchasing insurance products.
In the preceding 12 months, the Company may have disclosed the following categories of personal
information for a business purpose: identifiers, California Customer Records personal information
categories, protected classification characteristics under California or federal law, commercial
information, and internet or other similar network activity.
COOKIE POLICY
Our website may use “cookies” to enhance user experience. User’s web browser places cookies
on their hard drive for record-keeping purposes and sometimes to track information about them.
Cookies can also enable us to track and target the interests of our users to enhance their
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experience on our website. We may use the following types of cookies: advertising and analytics
and social media. Usage of a cookie is not linked to any personally identifiable information on our
website.
User may choose to set their web browser to refuse cookies or to alert you when cookies are being
sent. If they do so, note that some parts of the website may not function properly.
CHILDREN UNDER THE AGE OF 16
Our website is not intended for children under 16 years of age. No one under age 16 may provide
any information on the website. We do not knowingly collect personal information from children
under 16. If you are under 16, do not use or provide any information on this website. If we learn
we have collected or received personal information from a child under 16 without verification of
parental consent, we will delete that information. If you believe we might have any information
from or about a child under 16, please contact us.
RIGHTS FOR CALIFORNIA RESIDENTS
Additional privacy rights for California residents are provided here
CONTACT INFORMATION
If you have any questions or comments about this notice, or the ways in which the Company
collects and use your personal information, please do not hesitate to contact us at:
Phone: 1-630-800-1989
Email: compliance@ffluniverse.co