Effective date: January 1, 2026
Folkpiction ("we," "us," or "our") operates the website folkpiction.com and related online services that help visitors learn about insurance products, request quotes, and manage communication preferences. This Privacy Policy describes how we collect, use, disclose, and safeguard personal information when you interact with our website, forms, newsletters, and client portals. By using our services, you agree to the practices described below.
When you complete a contact form, request a quote, subscribe to email updates, or create a client profile, we may collect your name, email address, policy interests, household or business details you choose to share, and any message content. If you upload documents for underwriting, we may receive identification or property information necessary to obtain accurate insurance proposals.
Like most websites, we collect technical data through cookies and similar technologies, including IP address, browser type, device identifiers, referring URLs, pages viewed, and timestamps. This information helps us secure the site, measure performance, and improve content relevance. You can adjust cookie preferences through your browser settings; disabling cookies may limit certain features.
With your authorization, we may receive information from insurance carriers, consumer reporting agencies, or marketing partners to verify eligibility, prevent fraud, or fulfill a quote request. We require partners to handle data in accordance with applicable privacy laws and contractual obligations.
We use personal information to respond to inquiries, prepare insurance illustrations, service existing policies, send renewal reminders, deliver newsletters you requested, analyze website usage, detect security incidents, comply with legal obligations, and enforce our Terms & Services. We do not sell your personal information to unrelated third parties for their own marketing.
Where required, we rely on your consent (for example, marketing emails), performance of a contract (servicing a policy you purchase), legitimate interests (website security and product improvement), and legal compliance (recordkeeping and regulatory requests).
We may share information with licensed insurance carriers and brokers to bind coverage you request; service providers who host our website, send email, or provide analytics under strict confidentiality terms; professional advisors such as auditors or attorneys when necessary; and authorities when required by law or to protect rights and safety. All recipients are limited to using data for the specified purpose.
We retain personal information only as long as needed to fulfill the purposes described in this policy, meet insurance industry record retention requirements, resolve disputes, and enforce agreements. When data is no longer required, we securely delete or anonymize it in accordance with our retention schedule.
We implement administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit, access controls, employee training, and vendor due diligence. No method of transmission over the Internet is completely secure; we encourage you to use strong passwords and protect your devices.
Depending on your location, you may have rights to access, correct, delete, or restrict processing of your personal information, as well as the right to object to certain processing or withdraw consent for marketing. You may unsubscribe from promotional emails at any time using the link in each message or our Unsubscribe page. We will verify requests to protect your account from unauthorized access.
Our services are directed to adults seeking insurance. We do not knowingly collect personal information from children under 16. If you believe a child has provided data to us, please contact us through the website form and we will take appropriate steps to delete it.
If you access folkpiction.com from outside your home jurisdiction, you understand that information may be processed in locations where privacy laws differ. We apply consistent standards regardless of where you browse from, subject to mandatory local requirements.
Our website may link to carrier portals, educational resources, or social networks. We are not responsible for the privacy practices of those sites. Review their policies before submitting information.
We may update this Privacy Policy to reflect new products, regulations, or technologies. Material changes will be posted on this page with an updated effective date. Continued use of the website after changes constitutes acceptance of the revised policy.
For privacy questions or to exercise your rights, submit a message through our Contact Us form. We respond to verified requests within the timeframe required by applicable law.
