Privacy Policy
Last Updated: 03.05.25
Fournier Insurance is committed to protecting the privacy of individuals who engage with us through any of our platforms or services.
This Privacy Policy outlines our practices regarding the collection, use, and sharing of personal information obtained through our website (fournierinsurance.com), mobile applications, digital tools, communication channels (including email, phone, and in-person interactions), insurance products, and related services. Whether you’re browsing our site, requesting a quote, using our online tools, or communicating with our team, this policy explains how your information is handled. It is accessible at any time via the link at the bottom of our website. By using our services or interacting with us, you consent to the data practices described in this policy.
Table of Contents
Information Collection
We collect information from you in a variety of ways when you interact with Fournier Insurance, including but not limited to:
- Visiting our website
- Filling out any forms (e.g., quote forms, intake forms, e-signature requests, policy change requests, or other information request forms)
- Using online tools or calculators
- Contacting us via our contact page, live chat, email, phone, or social media
- Making payments or managing your account
- Signing up for newsletters, promotions, or updates
The information we collect may include, but is not limited to:
- Personal Identification Information: Your name, email address, mailing address, phone number, insurance policy details, claim history, payment information, and other contact or demographic data relevant to providing insurance products or services.
- Non-Personal Identification Information: Browser type, device type, operating system, IP address, domain name, referral URL, date and time of access, pages visited, time spent on the site, and actions taken during your visit.
- Technical & Tracking Data: We use cookies, web beacons, pixels, session replay tools, and similar technologies for functionality, analytics, and advertising purposes. We may also collect data through third-party tools like Google Analytics and various pixel tools, which use cookies or other tracking mechanisms.
Use Of Information
The information we collect may be used in the following ways:
- To operate, maintain, and improve our website, digital tools, and online services
- To ensure website security, system integrity, and proper functionality
- To provide a customized and user-friendly experience tailored to your needs
- To process transactions, including payments, through secure third-party processors (note: we do not store your financial information on our servers)
- To send important updates, policy-related notifications, and promotional materials (you may opt out of promotional emails at any time)
- To respond to your inquiries, requests, and provide effective customer support
- To comply with legal, regulatory, or contractual obligations
- To analyze usage trends and improve the performance and content of our services
Sharing Of Information
We do not sell or rent your personal information. However, we may share your information with trusted third parties to support the operation and delivery of our services. These disclosures are made only to the extent necessary and in accordance with applicable laws.
We may share personal information with:
- Insurance carriers and authorized partners for the purpose of providing quotes, processing applications, managing policies, and fulfilling insurance-related services
- Service providers and vendors who support our business operations, such as website hosting, email and SMS communications, payment processing, marketing, analytics, and customer support
- Legal or regulatory authorities when required to do so by law, regulation, legal process, or to protect our rights, property, or safety, or that of others
All third-party service providers are obligated to use your information solely for the purpose of providing services on our behalf and are bound by confidentiality agreements and/or data protection regulations where applicable.
Third-Party Service Providers
Marketing Partners
Fournier Insurance works with trusted marketing partners to help manage, analyze, and improve our advertising and outreach efforts across digital platforms. These partners may assist with sending personalized emails, newsletters, and policy-related updates, ad campaign management, audience targeting, analytics, remarketing, and performance tracking.
We may collect and store contact information (such as your name, email address, and phone number) to facilitate communications. We do not share your personal information (such as your name, contact details, or insurance data) with third parties for their own marketing or promotional purposes. You have the option to opt-out of receiving any marketing emails or communications from us at any time.
Any data shared with our marketing partners is non-personal identification information, such as website usage statistics, browser and device data, general geographic location, and other aggregated or anonymized information. This information may be collected through cookies, pixels, and similar tracking technologies (read more in our Cookies & Tracking section below).
Payments
Fournier Insurance uses Simply Easier Payments, Inc. (SEP) as our secure third-party payment processor for handling online transactions. When you make a payment through our platform, your payment information is entered directly into SEP’s secure system and is not stored on our website or servers.
We do not have access to, store, or share your sensitive payment details (such as credit card or banking information). Your payment information is used solely for the purpose of completing your transaction and is not shared with any other third-party service providers beyond SEP.
For more information about how SEP handles your data, we encourage you to review their their Privacy Policy and Terms & Conditions.
SMS Messaging Communications
Fournier Insurance may use SMS (Short Message Service) messaging as one of our communication channels.
- Opt-In Process: Inclusion in our SMS service is not automatic. Clients may opt-in through our offices to receive these messages.
- Opt-Out Process: If you choose at any time to discontinue receiving SMS messages from us, we have a simple opt-out process. To opt-out, you may reply STOP to any SMS message or contact our office for us to manually unsubscribe your phone number from our SMS messaging system.
- Privacy & Data Protection: We adhere to strict data protection standards to ensure that your personal information, including your mobile number, is kept secure and used only for the purpose of policy or business communication and not used for marketing or promotional purposes.
Electronic Signatures
Fournier Insurance uses Formstack, a secure third-party platform, to manage electronic signatures. Formstack enables us to collect legally binding signatures and important information needed to complete insurance-related documents efficiently and securely.
When you complete and submit forms or sign documents using Formstack:
- The information you provide is transmitted securely and stored within Formstack’s encrypted systems
- We only access this information for the purpose of processing your request, application, or transaction
- Your data is not shared with other third-party services beyond what is required to complete the intended insurance service
- Formstack complies with relevant data privacy and security standards, including electronic signature laws such as the ESIGN Act and UETA
For more details on how Formstack handles your information, please refer to Formstack’s Privacy Policy and Terms of Service.
Loss Run Reports
Fournier Insurance utilizes Loss Run Pro to streamline the process of requesting and managing loss run reports on behalf of our clients. Loss Run Pro enables us to gather necessary claims history information from current or previous insurance carriers in a secure and compliant manner.
- Only the minimum required personal and policy-related information is provided to initiate a loss run request
- The information submitted is used solely for the purpose of obtaining your loss run history and facilitating insurance quoting, underwriting, or renewal services
- Your data is transmitted securely through encrypted channels, and Loss Run Pro adheres to industry-standard security practices to protect sensitive information
- We do not share your information collected through Loss Run Pro with any third parties beyond what is necessary to complete the loss run request process
You can learn more about how Loss Run Pro protects your information by reviewing their Privacy Policy and Terms of Service.
Insurance Data Intake & Retrieval
Fournier Insurance uses Canopy Connect to retrieve your current insurance information directly from your existing carrier with your authorization. This tool allows us to gather accurate and up-to-date policy details, such as coverage limits, premiums, vehicles, drivers, and claims history, to provide more efficient and accurate insurance quotes or policy reviews.
- You are required to authorize access by logging into your current insurance carrier’s portal through a secure, encrypted connection
- The information retrieved is used solely for insurance servicing purposes, such as quoting, policy comparisons, or renewals
- We do not share the information obtained via Canopy Connect with any third party beyond what is necessary to deliver insurance services or as required by law
- Canopy Connect uses bank-level encryption and strict access controls to ensure your login credentials and insurance data remain secure and confidential
- Fournier Insurance does not store your carrier login credentials, and Canopy Connect’s access is limited and read-only
For more information, you may review Canopy Connect’s Privacy Policy and Terms of Service.
Insurance Quoting & Enrolling
Fournier Insurance uses WiredQuote to manage and distribute quotes and policy updates. WiredQuote allows us to send personalized messages to clients and prospects regarding insurance products, services, and relevant updates.
- We collect email addresses and other contact information to send tailored quotes, promotional offers, and important updates about your insurance policies
- Your information is securely stored within the WiredQuote platform and is not shared with other third parties except as necessary
- WiredQuote adheres to best practices in data security and privacy protection, using encryption to safeguard your personal information
For more information, you can review WiredQuote’s Privacy Policy and Terms of Service.
Cookies & Tracking
Fournier Insurance uses cookies and similar tracking technologies (such as web beacons and pixels) to enhance the functionality of our website, improve your user experience, and analyze site usage. Cookies are small data files stored on your device that help us remember your preferences, personalize your experience, and collect non-personal information about how you interact with our site.
How Cookies and Tracking Technologies are Used:
- Functionality: To remember your preferences and improve navigation on our website.
- Analytics: To gather non-personal information about website usage, such as pages viewed, time spent, and device information. We use this data to improve our website’s performance.
- Advertising and Marketing: To provide personalized advertisements or offers that are relevant to you based on your browsing behavior. We may use third-party services, such as Google Analytics, Meta, and/or other third-party analytics tools, to track and analyze these behaviors.
You have the option to manage or disable cookies through your browser settings. However, please note that disabling cookies may affect the functionality of certain features on our website. You can also opt-out of certain types of targeted advertising via platforms such as Google Ad Network, the Digital Advertising Alliance, or the Network Advertising Initiative.
Third-Party Links
Our website (fournierinsurance.com) may contain, or we may send communication containing, links to information on third-party websites not run or maintained by Fournier Insurance. We encourage you to read the privacy statements of these websites to understand how they are governed by their own policies and restrictions. Fournier Insurance is not responsible for the privacy policies or practices of third parties.
Email Confidentiality
Any emails sent from Fournier Insurance staff, including any attachments are CONFIDENTIAL and Intended SOLELY for the recipients as identified in the “To”, “Cc”, and “Bcc” lines of that email. Sender reserves and asserts all rights to confidentiality, including all privileges that may apply.
Data Security & Website Protection
At Fournier Insurance, we take the security of your information very seriously and are committed to protecting your data from unauthorized access, misuse, or exposure. Our website is hosted by Elixir Creative, LLC on secure servers and protected by multiple layers of advanced security measures. This includes the use of a Web Application Firewall (WAF) and a Content Delivery Network (CDN) powered by Cloudflare, which provides edge protection and helps mitigate threats such as DDoS attacks, malicious bots, and other vulnerabilities before they reach our server.
We also utilize industry-standard encryption protocols, including SSL (Secure Sockets Layer) and TLS (Transport Layer Security), to create an encrypted connection between your browser and our web server. This ensures that any data transmitted through our website remains confidential and secure. Our site is fully secured with HTTPS (Hypertext Transfer Protocol Secure), providing a secure communication channel that protects the integrity and confidentiality of your personal information during transmission.
While we implement a comprehensive suite of technologies and best practices to safeguard your data, it’s important to note that no method of transmission over the Internet or electronic storage is completely secure. Please note: to minimize exposure, we continuously monitor and update our security infrastructure to reduce risk and ensure your information is handled with the highest level of care and protection.
Changes to our Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational, legal, or regulatory reasons. Any updates or modifications to this policy will be posted on this page, along with an updated effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal information. By continuing to use our services or website after such changes are posted, you acknowledge and agree to the updated Privacy Policy.
Personal rights & Choices
Depending on your location and applicable privacy laws, you may have certain rights regarding your personal information. These rights may include:
- Access: The right to request a copy of the personal information we hold about you.
- Correction: The right to request that we update or correct any inaccurate or incomplete information.
- Deletion: The right to request the deletion of your personal information, subject to certain exceptions (such as legal obligations or legitimate business interests).
- Opt-out of Marketing Communications: The right to opt out of receiving promotional or marketing communications from us at any time. You can do this by following the unsubscribe instructions in our emails or by contacting us directly.
- Restrict Processing: The right to request the restriction of certain data processing activities, including the use of your data for marketing or other non-essential purposes.
To exercise any of these rights or if you have questions about your personal data, please contact us at requests@fournierinsurance.com.
Contacting us
If there are any questions regarding this privacy policy, you may contact us at: requests@fournierinsurance.com.
