Privacy Policy
Effective Date: 05.17.2025
Family Insurance USA
A. Introduction
Family Insurance USA (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information.
B. Information We Collect
a) Personal Information:
When provided voluntarily by individuals, we may collect personal information such as names, addresses, email addresses, and phone numbers.
b) Non-Personal Information:
For statistical purposes, we may also collect non-personal information such as browser type, operating system, and IP address.
C. How We Use Your Information
We may use the collected information for purposes, including but not limited to:
a) Providing and personalizing our services.
b) Processing transactions and delivering products.
c) Sending periodic emails related to your orders or inquiries.
No mobile information will be provided to External Service Providers for marketing or promotional purposes. Providing information to subcontractors for support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be disclosed with any other companies.
D. Disclosure of Information
We do not exchange, distribute, or transfer your personal information to other companies without your consent, except as outlined in this Privacy Policy.
a) External Service Providers:
We may disclose information to service providers who help us operate our website, conduct our business, or provide services to you.
b) Legal Compliance:
We may disclose information when required by law or in response to lawful requests by public authorities.
Data disclosure laws vary between countries, and even within countries, they can be subject to federal, state/provincial, and local regulations. In the United States and Canada, data disclosure laws encompass a combination of federal and provincial/state regulations. I’ll provide you with a brief overview of the major federal laws in both countries.
United States:
1.Federal Trade Commission Act (FTC Act):·Overview:
The FTC Act broadly prohibits unfair and deceptive practices in commerce, including the unauthorized disclosure of personal information.·Enforcement: The Federal Trade Commission (FTC) enforces the FTC Act.
2.Gramm-Leach-Bliley Act (GLBA):
·Overview: Primarily applicable to financial institutions, GLBA requires these institutions to protect the privacy and security of consumer financial information.·Enforcement: Various federal agencies, including the FTC, have enforcement authority.
3.Health Insurance Portability and Accountability Act (HIPAA):
·Overview: Applies to protected health information held by covered entities and their business associates. It sets standards for the privacy and security of health information.·Enforcement: The Department of Health and Human Services (HHS) is responsible for enforcing HIPAA.
4.Children’s Online Privacy Protection Act (COPPA):
·Overview: COPPA regulates the online collection of personal information from children under 13. It requires obtaining parental consent.·Enforcement: The FTC enforces COPPA.
5.California Consumer Privacy Act (CCPA):
·Overview: State-level legislation granting California residents specific privacy rights and imposing obligations on businesses handling their personal information.·Enforcement: The California Attorney General can enforce the CCPA.
A.United States:
Federal Trade Commission Act (FTC Act):
1.Source: United States Code, Title 15, Section 45.
·Access: FTC Act – 15 U.S.C. § 45 https://
www.law.cornell.edu/uscode/text/15/45
2.Gramm-Leach-Bliley Act (GLBA):·Source: Public Law 106-102 (1999).
·Access: GLBA – Public Law 106 – 102 https://
www.govinfo.gov/app/details/PLAW-106publ102
3.Health Insurance Portability and Accountability Act (HIPAA):
·Source: Public Law 104-191 (1996).
·Access: HIPAA – Public Law 104-191 https://
www.govinfo.gov/app/details/PLAW-104publ191
4.Children’s Online Privacy Protection Act (COPPA):
·Source: 15 U.S.C. §§ 6501-6506.
·Access: COPPA – 15 U.S.C. §§ 6501-6506 https://
www.law.cornell.edu/uscode/text/15/chapter-91
5.California Consumer Privacy Act (CCPA):
·Source: California Civil Code §§ 1798.100 – 1798.199.
·Access: CCPA – California Civil Code §§ 1798.100 – 1798.199 https://
leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=1.81.5.&part=4.&chapter=&article=