Privacy Policy

Last updated: April 6, 2026

This Privacy Policy describes how Sparsh Kumar, doing business as FFF Team ("we," "us," or "our"), collects, uses, and shares information about you when you access or use our website at https://www.fffteam.com (the "Site"). This Site is intended for use by licensed insurance agents only.

1. Information We Collect

We may collect the following categories of personal information:

• Identifiers: Full name, email address, phone number, mailing address, IP address, account username, Social Security number, driver's license number
• Professional Information: Insurance license number, state licenses, appointment history, employment history
• Financial Information: Bank account details, payment information, commission data
• Health/Insurance Information: Medical and health insurance information related to client applications
• Communications: Messages sent through our chat widget, emails, and SMS messages
• Usage Data: Browser type, pages visited, time spent on pages, referring URLs, and other analytics data

2. How We Collect Information

We collect information:

• Directly from you when you register, fill out forms, or communicate with us
• Automatically through cookies, web beacons, and tracking technologies
• From third-party platforms including GoHighLevel, Google Analytics, and email marketing tools

3. How We Use Your Information

We use the information we collect to:

• Provide access to agent tools, training, and resources on the Site
• Send marketing and promotional communications via email and SMS (with your consent)
• Process commissions and billing
• Comply with insurance regulatory requirements
• Improve and maintain the Site
• Respond to inquiries and support requests
• Analyze usage patterns via Google Analytics

4. Marketing and SMS Communications

FFF Team sends promotional and marketing messages to users who explicitly consent via a separate, optional marketing checkbox. Messages may include special offers, event promotions, and service announcements. Marketing messages are only sent after express written consent is provided and are not combined with transactional consent.

You may unsubscribe at any time by:

• Clicking the unsubscribe link at the bottom of any marketing email
• Texting "STOP" or "UNSUBSCRIBE" to opt out of SMS messages

Important: We do not share your phone number or mobile information with third parties for marketing or promotional purposes.

5. Disclosure of Information

We may disclose your personal information to:

• Insurance Carriers and Underwriters: To process applications and manage policies
• IMOs/FMOs and General Agents: As required for agent contracting and management
• Service Providers: Including GoHighLevel (CRM and SMS), email marketing platforms, Google Analytics, and payment processors
• Business Partners: As necessary to provide services to agents
• Legal Authorities: When required by law or to protect our rights

We do not sell your personal information to third parties.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on the Site. These may include:

• Essential cookies necessary for the Site to function
• Analytics cookies (Google Analytics) to understand usage patterns
• Marketing cookies for promotional purposes

You may control cookies through your browser settings. For more information, please see our Cookie Policy.

7. Data Retention

We retain personal information for 7 years, or for the duration of any active agent or policy relationship plus 5 years, whichever is longer. This retention period is consistent with applicable state insurance regulations and federal recordkeeping requirements.

8. Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

9. Your Rights — US State Privacy Laws

Depending on the state in which you reside, you may have the following rights regarding your personal information:

• Right to Know: Request information about the personal data we collect and how it is used
• Right to Delete: Request deletion of your personal information, subject to certain exceptions
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the sale or sharing of your personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

These rights apply to residents of California, Virginia, Colorado, Texas, Florida, and other states with applicable privacy laws. To exercise any of these rights, please contact us using the information below.

10. California-Specific Rights

California Consumer Privacy Act (CCPA): California residents have the right to know what personal information we collect, the right to delete it, and the right to opt out of its sale. We do not sell personal information.

California Shine the Light Law: California residents may request information about disclosures of personal information to third parties for their direct marketing purposes by contacting us at the address below.

California Customer Records: We collect personal information as defined under California Civil Code Section 1798.80(e), including name, signature, Social Security number, address, telephone number, insurance policy number, education, employment history, bank account information, and medical information.

11. Children's Privacy

Our Site is intended for licensed insurance professionals only and is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of material changes by posting the updated policy on this page with a revised "Last Updated" date.

13. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, please contact us: