Terms & Conditions
Effective date: February 04, 2026
Introduction
Welcome to the website made available through Fredrick Insurance Brokers LLC CRM (the “Website”). This Website is operated by Fredrick Insurance Brokers LLC and provides access to information, tools, and services related to insurance inquiries, consultations, applications, and communications (collectively, the “Services”).
These Terms and Conditions (“Terms”) govern your access to and use of the Website and Services. By accessing or using this Website, you agree to comply with and be legally bound by these Terms. If you do not agree to these Terms, you must not access or use the Website.
1. Eligibility
You must be at least 18 years of age and have the legal capacity to enter into binding agreements under applicable United States laws to use this Website. By accessing or using the Website, you represent and warrant that you meet this eligibility requirement.
2. Responsible Use of the Website
You agree not to:
Violate any applicable United States federal, state, or local laws or regulations, including laws governing electronic communications and online conduct;
Use the Website to upload, distribute, or transmit malware, viruses, spam, or unauthorized advertising or promotional materials;
Attempt to gain unauthorized access to the Website, its servers, systems, or data;
Copy, reproduce, scrape, or distribute any content, data, or materials from the Website without prior written permission;
Misrepresent your identity or falsely claim an affiliation with any individual, insurer, or organization;
Interfere with, disrupt, or attempt to compromise the proper operation, security, or functionality of the Website.
3. Account Security
Certain areas of the Website may require account registration or secure access. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify Fredrick Insurance Brokers immediately of any unauthorized use of your account or any suspected breach of security.
4. SMS Terms of Service
Fredrick Insurance Brokers LLC provides SMS communications related to insurance inquiries, appointment reminders, account updates, and, where expressly consented to, marketing or promotional messages (sent only with your express written consent).
You can cancel the SMS service at any time by texting “STOP” to our messaging number. After you send “STOP,” we will confirm your unsubscribe status via SMS. After this confirmation, you will no longer receive SMS messages from us. If you wish to rejoin, you may opt in again through our website or approved opt-in methods.
If you are experiencing issues with the messaging program, you can reply with the keyword “HELP” for assistance or contact us directly at [email protected]
or (972) 375-0507.
Carriers are not liable for delayed or undelivered messages.
Message frequency may vary. Standard message and data rates may apply to messages sent to you from us and to us from you. For questions about your text plan or data plan, please contact your wireless provider. For information about how we collect and use personal information, please review our Privacy Policy at: https://fredrickhealthinsurance.com/privacy-policy
5. Consent and Disclosure
SMS communications require explicit opt-in consent. By providing your mobile phone number through our website forms, booking forms, or keyword confirmation, you authorize us to send text messages related to your inquiry, services, or account. Personal information may be shared only with insurance carriers, compliance administrators, or licensed partners as required to fulfill legal or contractual obligations.
6. Data Storage & Security
Our CRM may store your information on secure servers located in the United States. All data is protected using industry-standard security measures, including encryption at rest and in transit. In the event of a data breach that poses a material risk of harm, we will notify affected individuals and any applicable U.S. regulatory authorities as required by federal and state law.
7. Data Retention
We retain your personal information only for as long as necessary to provide services, comply with legal, regulatory, and insurance carrier requirements, or resolve disputes. You may withdraw your consent at any time; however, doing so may limit or prevent our ability to continue providing certain services where such information is required by law or by insurance carriers.
8. Access, Accuracy & Corrections
To request access or corrections, please email [email protected]. We will respond within 2 business days.
9. Requests to Withdraw Consent
You may, at any time, submit a request to withdraw consent to the collection, use, disclosure, or storage of your Personal Information.
10. Indemnification
You agree to indemnify and hold harmless Fredrick Insurance Brokers, its agents, partners, and service providers from any claims, losses, damages, or expenses arising out of your misuse of the website, violation of these Terms, or submission of inaccurate information.
11. Modifications to Terms
We reserve the right to update or modify these Terms and Conditions at any time. Updates will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of the revised Terms.
12. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the United States and the state in which the brokerage is licensed to conduct business, without regard to conflict-of-law principles.
Contact Information
Privacy-related inquiries may be directed to
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