Privacy Policy

1. Information We Collect

We may collect information about you in several ways:

Information You Provide Directly

• Name, email address, phone number, and mailing address
• Insurance needs, policy details, and related financial information shared when requesting quotes or consultations
• Health information shared for underwriting purposes (only with your explicit consent)
• Messages you send us via contact forms or email
• Newsletter subscription information

Information Collected Automatically

• IP address and approximate geographic location
• Browser type and device information
• Pages visited, time spent on pages, and referring URLs
• Cookies and similar tracking technologies (see Section 4)

Information from Third Parties

We may receive information from insurance carriers, referral partners, or publicly available sources to verify details you have provided or to offer more relevant services.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide requested quotes or consultations
• Process applications and manage your account or relationship with us
• Send transactional communications (confirmations, policy updates)
• Send marketing emails and newsletters only if you have opted in
• Improve our website, products, and services through analytics
• Comply with legal obligations and regulatory requirements applicable to licensed insurance brokers
• Detect and prevent fraud or unauthorized activity

3. Sharing Your Information

We may share your information in the following limited circumstances:

• Insurance Carriers & Partners: To obtain quotes, bind coverage, or service policies on your behalf. You authorize this sharing when you request a quote or apply for coverage.
• Service Providers: Third-party vendors who assist us with website hosting, email delivery, analytics, or CRM software, subject to confidentiality obligations.
• Legal Requirements: When required by law, court order, or government authority.
• Business Transfers: In connection with a merger, acquisition, or sale of all or part of our business, with appropriate protections for your information.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your browsing experience and gather analytics. These include:

• Essential Cookies: Necessary for the site to function properly.
• Analytics Cookies: Help us understand how visitors use our site through aggregated data.
• Marketing Cookies: Used to measure advertising effectiveness. We do not use these to build individual profiles for resale.

You may disable cookies in your browser settings. Some features of the site may not function correctly without cookies.

5. Data Security

We implement administrative, technical, and physical security measures to protect your personal information. These include:

• SSL/TLS encryption for data transmitted to and from our website
• Access controls limiting who can view sensitive information
• Regular security assessments of our systems
• Secure storage of physical records containing personal information

No method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you.
• Correction: Ask us to correct inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Opt-Out of Marketing: Unsubscribe from marketing emails at any time using the link in our emails or by contacting us directly.
• Do Not Sell: We do not sell personal information.

To exercise any of these rights, contact us at Info@M-Fin.com or call (888) 814-6346.

7. Children’s Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us immediately.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and social media platforms. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

9. State-Specific Privacy Rights

California Residents (CCPA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of personal information (we do not sell personal information). To submit a verifiable consumer request, contact us at Info@M-Fin.com.

Florida Residents

As a Florida-licensed agency, we comply with the Florida Information Protection Act. You have the right to be notified in the event of a data breach affecting your personal information.

Other States

If you reside in a state with a comprehensive privacy law (such as Virginia, Colorado, Connecticut, or Texas), you may have similar rights. Please contact us to learn more.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the revised policy on this page with a new “Last Updated” date. Your continued use of the site after changes take effect constitutes acceptance of the revised policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

Contact Us