Privacy Policy

1. Who We Are

Frontline Financial ("Frontline", "we", "us", or "our") is an independent insurance brokerage. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit frontline-finance.com (the "Site") or interact with our agents.

2. Information We Collect

We collect the following categories of information:

• Information you submit through quote forms, agent applications, or other forms — for example: name, email, phone number, ZIP code, state, age range, coverage interests, and any details you choose to share.
• Communications — records of calls, texts, and emails you exchange with our agents, including call recordings where permitted by law.
• Automatic information — device type, browser, IP address, referring URL, pages viewed, and similar analytics data collected through cookies and similar technologies.
• Information from partners — data we receive from licensed agents, marketing partners, or carriers in connection with your inquiry or application.

We do not knowingly collect personal information from children under 13.

3. How We Use Information

• To respond to your quote request, application, or other inquiry.
• To match you with a licensed agent appointed in your state.
• To present, underwrite, issue, and service insurance products.
• To send transactional and account-related communications.
• To send marketing communications, where permitted; you can opt out at any time.
• To operate, secure, and improve the Site.
• To comply with legal obligations and enforce our Terms of Service.

4. How We Share Information

We share personal information with:

• Licensed agents within our brokerage who service your request.
• Insurance carriers when needed to obtain a quote or process an application.
• Service providers that help us operate the Site, send email, host data, run analytics, and process payments — bound by confidentiality obligations.
• Legal and safety recipients when required by law, subpoena, or to protect rights, safety, or property.
• Successors in a merger, acquisition, financing, or sale of assets.

We do not sell your personal information for monetary consideration.

5. Cookies and Analytics

We use cookies and similar technologies to remember preferences, measure traffic, and understand how visitors use the Site. You can disable cookies in your browser settings, but parts of the Site may not function as intended.

6. SMS and Phone Communications

By submitting your phone number, you consent to receive calls and SMS messages from Frontline and our licensed agents, including by automated technology, for the purposes described in Section 3. Standard message and data rates may apply. Reply STOP to any SMS to opt out, or contact us using the details below.

7. Data Retention

We retain personal information for as long as needed to provide our services, comply with legal and regulatory obligations (including insurance recordkeeping requirements), resolve disputes, and enforce our agreements.

8. Security

We use reasonable administrative, technical, and physical safeguards to protect personal information. No internet transmission or storage system is perfectly secure, and we cannot guarantee absolute security.

9. Your Choices and Rights

Depending on where you live, you may have the right to access, correct, delete, or restrict use of your personal information, to opt out of certain processing, and to lodge a complaint with a supervisory authority. California residents have specific rights under the CCPA/CPRA, including the right to know, delete, correct, and limit the use of sensitive personal information. To exercise any of these rights, contact us using the details below. We will verify your identity before responding.

10. Marketing Opt-Out

You can opt out of marketing emails by using the unsubscribe link in any message, opt out of SMS by replying STOP, or ask us to stop calling you by contacting us. We will still send transactional messages necessary to service an active inquiry, application, or policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Material changes will be highlighted on this page.

12. Contact

Questions or requests about this Privacy Policy? Email info@frontline-finance.com or call (909) 227-7717.