Privacy Policy & Terms of Service

Last Updated: 9/8/2026

Introduction

Florida Coastal Insurance Agency (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy describes how we collect, use, disclose, and protect information obtained through our website, forms, communications, and related services. By using this website or providing information to us, you acknowledge the practices described in this Privacy Policy.

Information We Collect

We may collect personal information that you voluntarily provide when you complete a form, request information, make a purchase, schedule an appointment, subscribe to communications, contact us, or otherwise interact with our business.

Depending on your interaction with us, this information may include:

• Name
• Email address
• Telephone number
• Mailing or service address
• Information submitted through website forms
• Transaction or service-related information
• Communication preferences
• Other information you voluntarily provide

We may also automatically collect certain technical information when you use our website, including your IP address, browser type, device information, pages visited, referring website, approximate geographic location, and information about your interactions with our website.

How We Use Your Information

We may use information we collect to:

• Respond to questions, inquiries, and requests
• Provide requested products, services, estimates, appointments, or information
• Process transactions and provide customer service
• Communicate with you regarding your inquiry, account, purchase, appointment, or services
• Provide alerts, reminders, notifications, and service updates
• Send marketing or promotional communications where permitted
• Operate, maintain, improve, and secure our website and services
• Analyze website traffic and user interactions
• Maintain appropriate business records
• Prevent fraud, misuse, and security incidents
• Comply with applicable laws, regulations, and legal obligations

We may also use information for other purposes disclosed to you at the time it is collected or with your consent.

How We Share Information

We do not sell or rent your personal information.

We may share personal information with trusted third-party service providers when reasonably necessary to operate our business or provide requested products and services. These providers may include website and hosting providers, customer relationship management platforms, payment processors, communications providers, analytics providers, advertising and marketing platforms, professional advisors, and other vendors that provide services on our behalf.

We may also disclose information when required by law, regulation, subpoena, court order, governmental request, or other legal process, or when we reasonably believe disclosure is necessary to protect our rights, prevent fraud, enforce agreements, or protect the safety of our company, customers, or others.

We may share information with other parties when you specifically request or authorize us to do so.

Your Choices and Control Over Your Information

You may contact us to request information about personal information we maintain about you, request corrections to inaccurate information, or request deletion of certain information where applicable.

Certain information may need to be retained to comply with legal, contractual, regulatory, recordkeeping, or legitimate business requirements.

You may opt out of marketing communications at any time by following the unsubscribe or opt-out instructions included in those communications or by contacting us directly.

SMS and Text Messaging Terms

If you choose to receive SMS or text message communications from Florida Coastal Insurance Agency, the following terms apply.

Consent: By opting in to receive text messages, you consent to receive SMS communications from Florida Coastal Insurance Agency at the telephone number you provide. Consent may be provided through website forms, digital or paper forms, or other authorized opt-in methods.

Message Types: Messages may include alerts, notifications, appointment reminders, service updates, account or transaction information, customer service communications, promotions, special offers, and other transactional or marketing communications.

Message Frequency: Message frequency may vary depending on your interaction with our business and the communications for which you have opted in.

Opt-Out: To stop receiving text messages, reply STOP to any message. After opting out, you may receive a final confirmation message. You may opt in again at any time through an available enrollment method.

Help: For assistance, reply HELP to a text message or contact us using the information provided below.

Message and Data Rates: Message and data rates may apply. Check with your mobile carrier for details regarding your messaging and data plan.

Consent to Purchase: Consent to receive marketing text messages is not a condition of purchasing any goods or services.

Message Delivery: Message delivery is subject to the availability and functionality of wireless networks and participating carriers. Carriers are not liable for delayed or undelivered messages.

Age Requirement: You must be 18 years of age or older to use our SMS messaging service.

Mobile Information: Mobile information and SMS opt-in consent will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes. Information may be shared with service providers as necessary to provide and operate our messaging services.

Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools, and other similar technologies to operate the website, improve functionality, understand how visitors use our website, measure performance, personalize the user experience, and support marketing and advertising activities.

These technologies may collect information such as your IP address, browser type, device information, pages visited, referring website, interactions with the website, and approximate geographic location.

Some cookies and technologies are necessary for the website to function properly, while others may be used for preferences, analytics, measurement, or advertising.

Where required by applicable law, we will obtain consent before using non-essential cookies or tracking technologies. You may be able to manage or disable cookies through your browser settings or through cookie preference tools provided on our website. Disabling certain cookies may affect the functionality or performance of the website.

Third-party service providers may also use cookies or similar technologies in connection with services they provide to us. Their collection and use of information may be governed by their respective privacy policies.

Third-Party Websites and Services

Our website may contain links to websites, applications, or services operated by third parties. We are not responsible for the privacy practices, security, content, or policies of third-party websites or services.

We encourage you to review the privacy policies of third-party websites and services you visit.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, loss, or disclosure.

Access to personal information is limited to personnel, contractors, and service providers who require access to perform legitimate business functions.

Although we take reasonable measures to protect personal information, no website, electronic transmission, network, or information storage system can be guaranteed to be completely secure.

Data Retention

We may retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, provide requested products or services, maintain appropriate business records, resolve disputes, enforce agreements, and comply with applicable legal and regulatory obligations.

Retention periods may vary depending on the type of information and applicable requirements.

Children’s Privacy

Our website and services are not directed toward children under the age of 13, and we do not knowingly collect personal information from children under 13 through this website.

Our SMS messaging services are available only to individuals who are 18 years of age or older.

Changes to This Policy

We reserve the right to update or modify this Privacy Policy and SMS Terms periodically to reflect changes in our practices, technologies, services, or applicable requirements.

Updates will be posted on this website with a revised “Last Updated” date. We encourage you to review this policy periodically.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, our privacy practices, or our SMS messaging program, please contact:

Florida Coastal Insurance Agency
Phone: (727) 569-6000
Email: support@floridacoastalinsuranceagency.com