Privacy Policy

Last Updated: March 25, 2026

1. Introduction

Freedom Plan Management LLC ("Company," "we," "us," or "our"), a Florida limited liability company owned and operated by Bertram F. Simmons Jr., is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website fpmpro.com ("Website") or use our financial and insurance services.

By accessing our Website or using our services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not access our Website or use our services.

2. Information We Collect

2.1 Personal Information You Provide

We may collect the following personal information when you interact with us:

• Identity Information: Full name, date of birth, Social Security number (for tax preparation), driver's license or government-issued ID
• Contact Information: Mailing address, email address, phone number
• Financial Information: Income details, tax documents (W-2s, 1099s, etc.), bank account information, investment account details, employment information
• Insurance Information: Current insurance policies, beneficiary details, medical history (for life and health insurance applications), Medicare enrollment information
• Health Information: Medical records, health conditions, prescription information, and other protected health information (PHI) as needed for health insurance and Medicare services
• Communication Preferences: SMS opt-in status, email preferences, preferred contact methods

2.2 Information Collected Automatically

When you visit our Website, we may automatically collect:

• IP address and geographic location
• Browser type and version
• Operating system
• Pages visited, time spent on pages, and navigation patterns
• Referring website or source
• Device information (type, screen resolution)

3. How We Use Your Information

We use the information we collect to:

• Provide tax preparation services and file tax returns on your behalf
• Process insurance applications and manage insurance policies
• Facilitate Medicare enrollment and provide Medicare advisory services
• Offer financial planning and annuity recommendations
• Communicate with you about your services, appointments, and account
• Send service-related SMS and email notifications (with your consent)
• Respond to your inquiries and provide customer support
• Comply with legal and regulatory obligations
• Improve our Website, services, and customer experience
• Detect, prevent, and address fraud or other security concerns

4. HIPAA Compliance

4.1 Protected Health Information (PHI)

In the course of providing health insurance and Medicare services, we may collect, use, and disclose your protected health information. PHI includes any individually identifiable health information, such as medical history, health conditions, treatment records, and insurance claim information.

4.2 Our HIPAA Commitments

• Minimum Necessary Standard: We only access, use, and disclose the minimum amount of PHI necessary to accomplish the intended purpose
• Administrative Safeguards: We maintain policies and procedures to protect PHI, including workforce training and access controls
• Physical Safeguards: We secure physical locations where PHI is stored or accessed
• Technical Safeguards: We implement encryption, access controls, and audit trails for electronic PHI (ePHI)
• Business Associate Agreements: We maintain agreements with any third parties who may access PHI on our behalf

4.3 Your HIPAA Rights

Under HIPAA, you have the right to:

• Access and obtain a copy of your PHI
• Request corrections to your PHI
• Request restrictions on certain uses and disclosures of your PHI
• Request confidential communications
• Receive an accounting of disclosures of your PHI
• File a complaint if you believe your privacy rights have been violated

To exercise any of these rights, please contact us at [email protected] or call (407) 494-3342.

5. Financial Information Protection

As a financial services provider, we adhere to the Gramm-Leach-Bliley Act (GLBA) and applicable state regulations regarding the protection of your nonpublic personal financial information. We:

• Do not sell your financial information to third parties
• No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
• Maintain safeguards to protect the security and confidentiality of your financial records
• Restrict access to your financial information to authorized personnel only
• Properly dispose of financial records when they are no longer needed

6. SMS Communications

If you opt in to receive SMS communications from FPM Pro LLC:

• We will send text messages related to your services, appointments, reminders, and important updates
• Message frequency varies based on your service activity
• Message and data rates may apply depending on your carrier
• Opt-Out: You may opt out at any time by texting STOP to (407) 494-3342
• Help: Text HELP to (407) 494-3342 for assistance
• SMS consent is not required as a condition of purchasing any service

We will never sell, rent, or share your phone number or SMS opt-in consent with third parties for their marketing purposes. Your mobile information will not be shared with third parties or affiliates for promotional purposes.

7. Third-Party Disclosure

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties except in the following circumstances:

• Service Providers: Trusted third parties who assist us in operating our Website, conducting our business, or servicing you (e.g., insurance carriers, tax filing services), provided they agree to keep your information confidential
• Legal Requirements: When disclosure is required by law, regulation, court order, or governmental request (e.g., IRS, state insurance regulators)
• Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
• Consent: When you have given us explicit consent to share your information
• Protection: To protect the rights, property, or safety of FPM Pro LLC, our clients, or others

8. Cookies and Tracking Technologies

Our Website uses cookies and similar tracking technologies to enhance your experience. Cookies are small text files placed on your device that help us:

• Remember your preferences and settings
• Understand how you use our Website
• Analyze traffic and usage patterns
• Improve our Website functionality

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. Please note that disabling cookies may limit your ability to use certain features of our Website.

Types of Cookies We Use:

• Essential Cookies: Required for the Website to function properly
• Analytics Cookies: Help us understand how visitors interact with our Website
• Functional Cookies: Remember your preferences and settings

9. Data Security

We implement a variety of security measures to maintain the safety of your personal, financial, and health information, including:

• SSL/TLS encryption for data transmitted through our Website
• Encryption of sensitive data at rest
• Access controls limiting data access to authorized personnel only
• Regular security assessments and monitoring
• Secure document storage and disposal procedures
• Employee training on data privacy and security best practices

While we take commercially reasonable steps to protect your information, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.

10. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Tax Records: Retained for a minimum of seven (7) years in accordance with IRS guidelines
• Insurance Records: Retained for the duration of the policy plus applicable statute of limitations periods
• Health Information (PHI): Retained in accordance with HIPAA requirements (minimum six years from date of creation or last effective date)
• General Inquiries: Retained for up to three (3) years after last contact

11. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you
• Right to Delete: You may request deletion of your personal information, subject to certain exceptions (e.g., legal retention requirements)
• Right to Correct: You may request correction of inaccurate personal information
• Right to Opt-Out: You may opt out of the sale or sharing of your personal information. Note: FPM Pro LLC does not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise your California privacy rights, contact us at [email protected] or call (407) 494-3342. We will respond to verifiable consumer requests within 45 days.

12. Children's Online Privacy (COPPA)

Our Website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that a child under 13 has provided us with personal information, we will promptly delete it. If you believe we may have collected information from a child under 13, please contact us immediately at [email protected].

13. Do Not Track Signals

Some browsers include a "Do Not Track" (DNT) feature that signals to websites that you do not want your online activity tracked. Because there is no uniform standard for how DNT signals should be interpreted, our Website does not currently respond to DNT signals.

14. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any third-party websites you visit.

15. Your Choices and Rights

You have the following choices regarding your personal information:

• Access and Update: You may request access to or correction of your personal information by contacting us
• Email Opt-Out: You may unsubscribe from marketing emails by clicking the "unsubscribe" link in any marketing email
• SMS Opt-Out: Text STOP to (407) 494-3342 to stop receiving text messages
• Cookie Preferences: Adjust your browser settings to manage cookies
• Data Deletion: You may request deletion of your personal information, subject to legal retention requirements

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting to our Website with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically. Your continued use of our Website and services after any modifications constitutes your acceptance of the revised Privacy Policy.

17. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Florida and the United States of America.

18. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

FPM Pro LLC
Freedom Plan Management Professional
Orlando, Florida
Phone: (407) 494-3342
Email: [email protected]
Website: fpmpro.com

For HIPAA-related inquiries or to exercise your HIPAA rights, please contact our Privacy Officer at the information above.