Privacy & Legal
Legal Disclaimer
This website provides general insurance information only and should not be considered legal, tax, financial, or medical advice. Plan availability, benefits, premiums, and eligibility vary by carrier and state. Final coverage decisions are made solely by the insurance carrier.
This brokerage does not offer every plan available in your area. Information is limited to the carriers and products for which the brokerage is licensed and appointed. For a full list of plans, visit official carrier or government websites.
Submitting information through this site does not create an obligation to purchase insurance. Quotes are estimates and subject to change.
The brokerage and its licensed agents may receive compensation from carriers if you enroll in a plan. Compensation does not influence the guidance provided.
Insurance services offered through this website are provided solely by the brokerage and its licensed agents and are not affiliated with any nonprofit organization.
COMPLIANCE & LEGAL DISCLOSURE
Buffy Fredriksz operates an independent insurance brokerage that is completely separate from the nonprofit organization that he also leads. The nonprofit does not endorse or promote any insurance products or services, and it does not receive commissions or financial benefit from brokerage activities. Participation in nonprofit programs is never connected to or dependent on purchasing insurance.
Privacy Policy
INFORMATION WE COLLECT
We may collect basic contact details, demographic information, insurance interests, and website analytics data. We do not collect Social Security numbers, financial account numbers, or protected health information through this website.
HOW WE USE INFORMATION
We use your information to respond to inquiries, provide quotes, schedule appointments, improve the website, and meet regulatory requirements. We do not sell or trade your information.
HOW INFORMATION IS SHARED
Information may be shared only with insurance carriers, licensed agents, or service providers supporting website operations. We do not share information with unrelated third parties for marketing.
DATA SECURITY
We use reasonable safeguards to protect your information but cannot guarantee absolute security.
COOKIES
This site may use cookies and analytics tools. You may disable cookies in your browser.
YOUR CHOICES
You may request updates, corrections, communication preferences, or certain data deletions as allowed by law.
EXTERNAL LINKS
We are not responsible for the content or privacy practices of third-party websites.
POLICY UPDATES
This policy may be updated periodically. The “Last Updated” date will reflect changes.