Last Updated: November 14, 2025
At FH Insurance (“we,” “our,” or “us”), we respect your privacy and are committed to protecting your personal information. This Privacy & Cookie Policy explains, in simple terms, what information we collect, how we use it, how we protect it, and the choices you have. Our practices follow the requirements of the GDPR in the European Union, HIPAA for health information in the United States, and relevant U.S. privacy laws.
When you interact with our website or services, you may provide personal information such as your name, contact details, address, insurance information, payment details, and any information you enter into our forms. If your insurance needs require it, we may also collect certain health information, which is treated as Protected Health Information under HIPAA. In addition, we collect certain information automatically when you visit our website, including your IP address, the pages you view, your browser and device details, and general usage data. We also use cookies and similar technologies, which are described in more detail later in this policy. Our services are not intended for children under 16 (or 13 in jurisdictions where COPPA applies), and we do not knowingly collect information from them.
We use your information to provide and manage our insurance services, process applications, handle claims, verify your identity, communicate with you, and maintain or improve our website and internal systems. We may also use your information for security, fraud prevention, legal compliance, and—when permitted—sending updates or marketing messages. Under the GDPR, we rely on a combination of consent, contractual necessity, legal obligations, and legitimate interests to process your information.
When we handle health-related information, we follow HIPAA rules. This means we only use or share your health information when it is necessary to provide insurance services or when the law allows or requires it. We implement safeguards to protect this information and only work with partners who agree to protect it as well. You also have the right to request access to your health information as permitted by HIPAA.
We may share your information with trusted service providers who help us operate our website, process claims, host data, communicate with customers, or support our business in other legitimate ways. We may also share information with insurance partners or carriers when necessary to provide insurance services. If required by law or regulation, we may provide information to legal authorities. If FH Insurance ever undergoes a sale, merger, or business transfer, your information may be transferred as part of that process. We do not sell your personal information.
If you live in the European Economic Area or another region with data-transfer restrictions, you should know that your information may be transferred to and processed in the United States or other countries. We use approved safeguards, such as Standard Contractual Clauses, to ensure that your information remains protected.
If you live in the EU or EEA, the GDPR gives you several rights, including the right to access your data, correct it, delete it, restrict or object to how we use it, and request a copy of it in a portable format. You may also withdraw your consent at any time and file a complaint with your data protection authority. If you live in the United States, your specific rights depend on your state, but may include the right to know what personal information we collect, the right to request deletion or correction, and the right to opt out of certain uses. You may exercise any of these rights by contacting us, and we may need to verify your identity before we respond.
We keep personal information only for as long as we need it for insurance services, legal or regulatory requirements, or other legitimate business purposes. When the information is no longer needed, we securely delete or anonymize it.
Our website uses cookies to help the site function properly and to understand how visitors use it. Some cookies are necessary for the website to work. Others help us analyze how people interact with our site, remember your preferences, or provide more relevant advertising. Where required by law, we ask for your consent before using non-essential cookies. You can manage or disable cookies through your browser settings or through the cookie banner or preferences tool on our site.
We take security seriously and use appropriate technical and organizational measures to protect your information. These may include encryption, access limits, secure servers, and ongoing monitoring. While no system can be completely secure, we work hard to protect your data.
Our website may contain links to websites or services run by others. Their privacy practices are separate from ours, and we encourage you to read their privacy policies before providing them with personal information.
We may update this Privacy & Cookie Policy from time to time. If we make significant changes, we will provide a clear notice on our website. The “Last Updated” date above reflects when the most recent changes were made.
Email:hello@fh-insurance.com
Address: 2511 31st Street ⎪ Boulder, CO 80301
Phone: 720.727.1734