Privacy Policy

Last updated: July 1, 2026

FCL Insurance ("we," "us," "our") operates the website fclinsurance.com (the "Platform"). This Privacy Policy explains how we collect, use, disclose and safeguard your information when you visit our Platform or submit an enquiry through our forms. Please read this policy carefully. By using the Platform, you agree to the practices described here.

1. Information we collect

1.1 Information you provide to us

• Contact details such as your name, email address, phone number (if provided elsewhere), state and city.
• Insurance preferences such as the type of cover you're interested in and your age bracket.
• Any message content you submit through our contact or enquiry forms.

1.2 Information collected automatically

• Device and browser information, IP address, and approximate location.
• Usage data such as pages visited, time spent, and referral source, typically via cookies or similar technologies.

2. How we use your information

• To match you with relevant insurance plans and share your enquiry with the licensed insurer(s) or advisors best suited to assist you.
• To respond to your questions and provide customer support via email.
• To improve our Platform, content and comparison tools based on aggregated usage patterns.
• To send you relevant updates, provided you have not opted out of such communication.
• To comply with legal obligations and prevent fraud or misuse of the Platform.

3. How we share your information

We may share your information with:

• Insurance partners and advisors — so they can provide you with quotes and follow up on your enquiry.
• Service providers — such as hosting, analytics and email delivery vendors who process data on our behalf under confidentiality obligations.
• Legal and regulatory authorities — where required by applicable law or to protect our legal rights.

We do not sell your personal information to unrelated third parties for their independent marketing purposes.

4. Cookies

We use cookies and similar technologies to remember your preferences, understand how visitors use our Platform, and improve performance. You can control cookies through your browser settings; disabling cookies may affect certain features of the Platform.

5. Data retention

We retain your personal information for as long as necessary to fulfil the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements, after which it is securely deleted or anonymised.

6. Data security

We implement industry-standard technical and organisational measures, including encryption in transit, to protect your information from unauthorised access, alteration, disclosure or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

7. Your rights

• You may request access to, correction of, or deletion of your personal information.
• You may opt out of marketing communications at any time via the unsubscribe link or by emailing us directly.
• You may withdraw consent for us to process your data, subject to any legal or contractual restrictions.

To exercise any of these rights, contact us at info@fclinsurance.com.

8. Children's privacy

Our Platform is not directed at individuals under the age of 18, and we do not knowingly collect personal information from minors.

9. Changes to this policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The "Last updated" date at the top of this page indicates when the policy was last revised. Continued use of the Platform after changes constitutes acceptance of the updated policy.

10. Contact us

If you have questions about this Privacy Policy or how we handle your data, please email us at info@fclinsurance.com.