Privacy Policy

Effective Date: [INSERT EFFECTIVE DATE]

CFH Insurance Consultants, LLC (“CFH,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit www.cfhic.com (the “Site”) or engage with us as a client, prospective client, or business contact. This policy should be read alongside our Cookie Policy and our Terms of Service.

1. Information We Collect

We may collect the following categories of information:

  • Contact information you provide directly, such as name, job title, company name, email address, mailing address, and phone number (for example, via a contact form or quote request);
  • Business and plan information submitted in connection with benefits consulting services, including group census data, plan documents, carrier quotes, and renewal information. Where this data includes information about employees or dependents of a client, we process it solely on behalf of, and under the direction of, the client for the purpose of providing consulting services;
  • Usage data collected automatically, such as IP address, browser type, device information, pages visited, and referring URLs, typically gathered through cookies and similar technologies (see our Cookie Policy);
  • Communications you send to us, including emails and messages submitted through the Site.

2. How We Use Information

We use information we collect to:

  • Provide, maintain, and improve our consulting services and the Site;
  • Prepare carrier analyses, renewal strategies, and related advisory deliverables for clients;
  • Respond to inquiries and communicate with prospective and current clients;
  • Monitor and analyze usage trends to improve Site content and functionality;
  • Comply with applicable legal, regulatory, and contractual obligations;
  • Protect against fraud, unauthorized transactions, and other liabilities.

3. How We Share Information

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

  • With insurance carriers, general agencies, and benefits platforms as necessary to obtain quotes, process enrollments, or service a client’s benefits program, and only as authorized by the applicable client engagement;
  • With service providers who perform functions on our behalf (such as hosting, analytics, or document management), under obligations to protect the information consistent with this policy;
  • As required by law, regulation, subpoena, or governmental request;
  • In connection with a merger, acquisition, or sale of business assets, subject to standard confidentiality protections.

4. Health and Benefits-Related Data

In the course of providing employee benefits consulting services, CFH may handle census or enrollment data that includes information related to group health plan participation. CFH does not act as a health care provider, health plan, or health care clearinghouse. Where CFH receives protected health information in connection with a client’s group health plan, such information is handled pursuant to the confidentiality and data-handling terms of the applicable client or carrier agreement, and — where applicable — any business associate agreement in place with that client.

5. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain information for as long as necessary to fulfill the purposes described in this policy, satisfy legal or regulatory recordkeeping requirements applicable to insurance consulting engagements, and resolve disputes.

7. Your Choices and Rights

Depending on your state of residence, you may have rights to access, correct, or request deletion of personal information we hold about you, or to opt out of certain uses. To make a request, contact us using the information below. We will respond in accordance with applicable law. Residents of states with comprehensive privacy laws (such as Colorado and Texas) may have additional rights under those laws; we will honor verifiable requests consistent with applicable requirements.

8. Children’s Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn we have inadvertently collected such information, we will take steps to delete it.

9. Third-Party Links

The Site may link to third-party websites. This Privacy Policy does not apply to those sites, and we encourage you to review the privacy practices of any third-party site you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. Continued use of the Site after changes are posted constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise a privacy right, contact:

CFH Insurance Consultants, LLC
41000 Woodward Avenue
Suite 350 East
Bloomfield Hills, Michigan 48304
Email: info@cfhic.com
Phone: 248.370.8853
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