Your Privacy is Our Priority

• We do not sell client/member information.
• We do not allow those who are doing business on our behalf to use our client/member information for their own marketing purposes.
• We contractually require any person or organization providing products or services on our behalf to protect FBFS client/member information.
• We afford our prospective and former client/members the same protections as existing client/members with respect to the use of personal information.

When an individual consumer visits this Site, our Online Activities and/or Other Services (collectively the “Services”) ("Visitors"), we may automatically collect certain kinds of anonymous and personally identifiable information. The information we collect will vary depending upon the function the Visitor selects and the information the Visitor provides. We collect, use, and share information we need to conduct our business, to advise you of our products and services, and to provide you with client/member service. We may collect and maintain several types of client/member information needed for these purposes, as identified below. This information includes, but is not limited to, the name of the website from which you entered our Site, if any, as well as the name of the website to which you are headed when you leave our Site. This information also includes the Internet Protocol (IP) address of your computer/proxy server that you use to access the Internet, your location, access times, your Internet or cellular provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyze trends among our users to help improve the Services.

FBFS understands the importance of appropriately safeguarding the personally identifiable information we obtain in the course of business operations. In order to protect the safety of client/member information, we continually:

• Maintain physical, technical, and procedural safeguards
• Review our policies and practices
• Test the strength of our security protections
• Educate our employees on the importance of keeping client/member data secure
• Maintain an information breach response plan and client/member notification procedures

No method of transmission over the Internet or cellular connections, including, but not limited to,via email, or method of electronic storage is 100% secure, so we cannot guarantee the absolute security of your information. You may contact Web Assistance if you have any questions or concerns regarding the confidentiality and security of your information.

FBFS’s Services are not directed toward children. We do not knowingly collect or post information from children under the age of 13. You can learn more about children's privacy and the Children's Online Privacy Protection Act (COPPA) at the Federal Trade Commission's website.

Cookies and Other Similar Tracking Technologies

We want to make you aware of how we use “cookies”, including tags, pixels, SDK’s and other similar tracking technologies to enhance your experience when visiting FBFS Websites, email, texts,and applications. “Cookies” are small data files sent to your browser from a web server and stored on your devices. We use “cookies” and other technologies to help us track visits to our Website, applications and Other Services and to find out how visitors use our sites. We routinely gather information regarding activity using tags or pixels, or transparent GIF files to help manage our online advertising and site visitor marketing efforts. This information may be used to manage and customize our Website’s and application’s content, layout, and services in order to improve our sites and enhance our service to you. The information that we collect and share is anonymous and not personally identifiable. It does not contain a Visitor’s name, address, telephone number or email address. These files enable our ad management provider to recognize a unique cookie on your Web browser, which in turn, enables us to learn which advertisements bring users to our Websites. The cookies are placed by us or by another advertiser who works with our ad management provider. We log your geolocation which includes IP address and location so that we may tailor the content displayed on the Website to your current location. This information is only stored for internal use and is not shared with outside parties.

Online Ads

Using “cookies” allows FBFS to manage our online advertising. We use third party online advertising companies to provide ads on websites where we advertise. Some of these sites may use “cookies” and other tracking technologies. This technology will transmit non-personally identifiable information about you to us or our service providers. We use this information to analyze our marketing efforts and track browser visits to our Websites. For more information about marketing “cookies”, go to: https://business.safety.google/adscookies/. Notwithstanding any other provision, we may work with a third party provider who may collect information from you, such as your IP address and information about your browser or operating system, and may place or recognize a unique cookie on your browser or device for the purpose of enabling interest-based content or advertising to you, or measuring the success of advertising. The cookies placed by our third party providers contain no personally identifiable information; they may contain demographic or other interest-based data in a de-identified form. The information in these cookies may be linked to data you voluntarily have submitted to us, such as your name, postal address, or email, which we may share in hashed or encrypted form. To opt-out of these data provider cookies, please go to http://www.aboutads.info/choices.

Information You Provide

Through voluntary responses on FBFS’s Websites and Services and email links found on our sites, we collect various personal information from visitors. We collect the email addresses of Visitors to our Websites when Visitors provide them, we collect the email addresses of those who communicate with us via email, and information volunteered by the Visitor, such as survey information, contact information and/or site registrations. Please note we do not automatically collect email addresses from our Visitors. Visitors may be surveyed for feedback concerning their Website or Services visit.

If you supply us with your email address on www.fbfs.com or through our Services, you may receive periodic messages from us with information on new products and services or upcoming events. If you prefer not to receive periodic messages with information on new products and services or upcoming events, please select “No” when responding to the question asking whether you wish to receive emailed communications from us when completing your site registration or such other method for unsubscribing outlined in the applicable Service.

The following are examples of categories of personally identifiable information that Visitors may voluntarily provide and which we may collect:

• Name
• Physical address
• Email address
• Birthday
• Phone number
• Policy and/or account information
• Last four digits of your Social Security Number
• Information you allow a third-party service, such as Facebook, to provide to us

FBFS complies with all Federal regulations related to Do-Not-Call or Do-Not-Email requests by client/members. We will not call or text client/members for the purpose of product sales who have placed their number on the National Do-Not-Call list or who have specifically asked to be added to our company-specific Do-Not-Call or Do-Not-Email lists, which are maintained separately from the National Do-Not-Call list, unless requested to do so by the client/member. We retain the right to contact any client/member for service-related issues.

We may receive personal information you voluntarily share with third party social networking services, such as Facebook or X. For example, some social networking services allow you to push content from our Site to your contacts. We may also obtain social networking user IDs from those services. Visit your social networking services’ privacy policies to learn more about the information they make available to our Site.

Unless prohibited by law, we may use and share information we collect about Visitors with other member companies of FBFS or unaffiliated third parties for a variety of purposes. For more information, please review our Privacy Notice.

FBFS may make changes to our online privacy policies occasionally. We recommend that Visitors to our Websites and Services review our online privacy policies from time to time to learn of new privacy practices and changes to our policies.

The online privacy policies of FBFS apply only to our Websites and Services and our producer Websites that link to this privacy policy. Websites operated by non-FBFS related entities may link to and from our Website and/or Services and may have different privacy policies from the ones described here. Visitors should read the privacy statements of other Websites they visit for information regarding their specific privacy practices.