BestFex Privacy Policy

Last Updated: April 23, 2025

At BestFex, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website or use our services to obtain quotes for final expense insurance in Ohio and Michigan. By using our website or submitting your information, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect the following personal information through our pre-qualification form to provide you with final expense insurance quotes:

• Personal Identifiers: First name, last name, phone number.
• Geographic Information: State of residence (Ohio or Michigan).
• Additional Information: Comments or other details you voluntarily provide in the form.

We may also collect:

• Usage Data: Information about how you interact with our website, such as IP address, browser type, pages visited, and time spent on the site.
• Cookies and Tracking Technologies: We use cookies to enhance your experience, analyze website performance, and deliver personalized content. You can manage cookie preferences through your browser settings.

2. How We Use Your Information

We use your information to:

• Provide and process final expense insurance quotes for residents of Ohio and Michigan.
• Communicate with you, including responding to inquiries or sending quote-related information via phone, email, or text (with your consent, where required).
• Improve our website and services through analytics and user feedback.
• Comply with legal obligations, including Ohio and Michigan insurance regulations, or protect our legal rights.
• Deliver personalized marketing or promotions (with your consent, where required).

3. TCPA Compliance

BestFex complies with the Telephone Consumer Protection Act (TCPA). Before submitting the pre-qualification form, you must check a consent box that states: “Your privacy is important to us. We are TCPA compliant, and the only person who will be reaching out is your independent agent, Sam Ute.” By checking this box, you provide express prior consent for Sam Ute to contact you via phone or text message regarding your final expense insurance quote. We do not use automated dialing systems without your permission. You may revoke consent at any time by contacting us, replying “STOP” to any text message, or clicking “unsubscribe” in emails. Our communications are designed to respect your preferences and comply with federal regulations.

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service Providers: Trusted third parties who assist us in operating our website, processing quotes, or providing customer support (e.g., hosting providers, analytics tools). These providers are contractually obligated to protect your data.
• Insurance Partners: Licensed insurance carriers in Ohio and Michigan who provide final expense insurance quotes, only with your consent or as necessary to fulfill your request. Your independent agent, Sam Ute, may facilitate this process.
• Legal Compliance: If required by law, regulation, or legal process (e.g., subpoenas, court orders) in Ohio, Michigan, or under federal law.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Your Choices and Rights

You have the following choices regarding your personal information:

• Opt-Out: Opt out of marketing communications by clicking “unsubscribe” in emails, replying “STOP” to texts, or contacting us.
• Revoke Consent: Withdraw consent for phone or text communications at any time by contacting us or using the methods above.
• Access or Deletion: Request access to or deletion of your personal information, subject to legal exceptions (e.g., insurance record-keeping requirements).

While Ohio and Michigan do not currently have comprehensive consumer privacy laws like California’s CCPA, you may contact us to exercise any applicable rights under federal or state insurance regulations.

To make a request, contact us at the details provided in Section 12.

6. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, loss, or misuse. However, no online system is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with Ohio and Michigan insurance regulations, or resolve disputes. For example, we may retain form data to process your quote request and follow up with you, unless you request deletion.

8. Cookies and Tracking

Our website uses cookies and similar technologies to improve functionality and analyze usage. You can disable cookies through your browser, but this may limit some website features. We may use third-party analytics tools (e.g., Google Analytics) to understand user behavior.

9. Third-Party Links

Our website may contain links to third-party websites (e.g., insurance carriers in Ohio or Michigan). We are not responsible for the privacy practices of these sites. Please review their privacy policies before sharing information.

10. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect personal information from children. If we learn that we have collected such information, we will delete it promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a revised “Last Updated” date.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us at:

BestFex
Email: [email protected]
Phone: 1-419-515-7088