Effective Date: 03/11/2026

Freedom Financial Benefit Advisors, LLC, also referred to as FFBA or F&F Benefit Advisors, respects your privacy and is committed to handling your personal information with care, transparency, and respect.

This Privacy Policy explains, shares, and protects information when you visit ffbainsurance.com, contact us, request information, submit a form, schedule an appointment, or communicate with us by phone, email, or text.

1. Who We Are

Freedom Financial Benefit Advisors, LLC is a U.S.-based insurance brokerage and client support business that provides educational guidance and brokerage-related support for insurance and related financial protection products, including Medicare guidance, life insurance, annuities, long-term care, final expense, dental and vision, and certain supplemental or health-related coverage options where applicable.

Business name: Freedom Financial Benefit Advisors, LLC
Website: https://ffbainsurance.com
Representative: Francis Ferrer
Email: [email protected]
Phone: (610) 904-5405
Office Address: 1101 Hamilton St, Allentown, PA 18101

FFBA may serve individuals in multiple states or jurisdictions, subject to licensure, carrier availability, and applicable law.

2. Information We Collect

We may collect personal information you provide directly to us, information collected automatically through website technologies, and information received from service providers or partners assisting with business operations.

Information you provide to us

Depending on how you interact with us, we may collect:

• Name

• Phone number

• Email address

• Mailing address or ZIP code

• Date of birth or age range

• Preferred contact method

• Appointment request details

• Information about your insurance interests or service needs

• Information related to quotes, plan comparisons, applications, renewals, or policy service questions

• Communication preferences

• Any other information you voluntarily submit through forms, calls, emails, texts, or other communications

Potentially sensitive information

If you contact us for insurance guidance, you may choose to provide information that could be considered sensitive, such as:

• Health-related information

• Medication or provider-related information

• Information relevant to Medicare or other health coverage questions

• Information connected to underwriting, eligibility, or policy service needs

Please only provide information that is reasonably necessary for your request. We use such information only as needed to respond to your inquiry, assist with requested services, or support your insurance-related needs.

Information collected automatically

When you visit our website, we may automatically collect limited technical information such as:

• IP address

• Browser type

• Device type

• Operating system

• Pages visited

• Time spent on pages

• Referring website

• Basic website usage and analytics information

3. How We Use Information

We may use your information to:

• Respond to inquiries and requests for information

• Explain insurance options and related services

• Assist with quotes, comparisons, applications, renewals, and service questions

• Communicate about appointments, follow-up, and policy-related support

• Provide client service and insurance-related guidance

• Improve our website, communications, and service experience

• Maintain records of inquiries, requests, and communications

• Comply with legal, regulatory, licensing, carrier, and recordkeeping obligations

• Protect our business, website, users, and systems

4. Phone Calls, Emails, and Text Messages

FFBA may contact you by phone, email, and SMS when you request information, submit a form, ask for assistance, schedule an appointment, request a quote, ask a coverage-related question, or otherwise engage with us regarding insurance-related services.

SMS and call communications

We use calls and text messages for purposes such as:

• Responding to your inquiry

• Providing requested insurance guidance

• Following up on quote requests

• Appointment reminders or scheduling coordination

• Policy-related updates or service communications

• Coverage-related questions and support

• Communications reasonably related to your request or client relationship

FFBA does not use calls or texts for unrelated cold outreach. We only send relevant communications connected to your request, service needs, or client relationship.

SMS disclosures

If you opt in to receive text messages from FFBA:

• Message frequency may vary

• Message and data rates may apply

• You can reply STOP to opt out of text messages at any time

• You can reply HELP for help

• You may also contact us at (610) 904-5405 or [email protected] for support or to request that communications stop

• Consent to receive text messages is not a condition of purchase

We will honor opt-out requests promptly. Even after opting out of marketing or non-essential text communications, we may still send communications necessary to process a specific request you initiated or as otherwise permitted by law.

Carrier disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

5. How We Share Information

We do not sell your personal information.

We do not sell, rent, share, or disclose mobile opt-in data, text messaging consent, or phone numbers collected for SMS communications to third parties or affiliates for their own marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with any third parties for their own marketing purposes.

We may share personal information only as reasonably necessary with service providers or subcontractors that help us operate our business and provide services, such as providers of:

• CRM and customer communication systems

• Website hosting

• Scheduling tools

• Analytics tools

• Customer service support tools

• Compliance, technology, or business operations support

• These parties may access information only as needed to perform services for us and not for their own independent marketing purposes.

• We may also disclose information:

• To comply with law, regulation, subpoena, court order, or lawful request

• To protect rights, safety, property, users, or the public

• In connection with a business transfer, merger, sale, or reorganization, subject to applicable law

6. Cookies and Website Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to help operate the website, understand user activity, improve performance, and support communications and site functionality.

These technologies may collect information about your device, browser, and interaction with the site. You can often manage cookies through your browser settings. Blocking certain cookies may affect website functionality.

7. Third-Party Services and Links

Our website may include links to third-party websites, carrier resources, forms, tools, or services. We are not responsible for the privacy, security, or content practices of third-party websites or services. We encourage you to review their policies before providing information.

8. Data Retention

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

• Respond to requests

• Maintain client and communication records

• Support ongoing service needs

• Meet legal, carrier, compliance, licensing, and recordkeeping obligations

• Resolve disputes and enforce agreements

Retention periods may vary based on the nature of the information and applicable requirements.

9. Data Security

We use reasonable administrative, technical, and organizational measures designed to help protect personal information. However, no internet transmission or storage system is guaranteed to be fully secure. For that reason, we cannot guarantee absolute security.

10. Your Choices and Rights

Depending on your situation and applicable law, you may have choices regarding how we use and communicate with you.

You may:

• Request to update or correct certain information

• Ask questions about how your information is used

• Opt out of promotional or non-essential email communications using the unsubscribe method provided

• Opt out of text messages by replying STOP

• Request assistance by replying HELP

• Contact us directly to request communication changes

Where required by applicable law, we will honor additional privacy rights requests to the extent applicable.

11. Children’s Privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information online from children under 13 without appropriate authorization. If you believe a child has provided personal information to us, please contact us so we can review and address the situation.

12. Informational Nature of Services

Information submitted through our website or in communications may be used to respond to your request and help explain insurance-related options. However, website content is for general informational purposes only. Contacting FFBA or submitting information does not guarantee eligibility, enrollment, plan approval, policy issuance, or coverage.

Actual availability, rates, benefits, networks, underwriting, and eligibility depend on carrier terms, program rules, geography, licensure, and applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will post the revised version on this page and update the Effective Date above. Your continued use of the website after changes are posted constitutes your acceptance of the updated policy to the extent permitted by law.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact:

Freedom Financial Benefit Advisors, LLC
1101 Hamilton St, Allentown, PA 18101
Email: [email protected]
Phone: (610) 904-5405