Privacy Policy

Introduction

Fred Muñoz Insurance Services ("we," "our," or "us"), operated by Freddermann Muñoz (License #0E44741), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or contact us for insurance services.

By using this website or contacting us, you agree to the practices described in this policy. If you do not agree, please do not use this website.

Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, phone number, email address, mailing address, and date of birth when voluntarily provided.
• Health and Insurance Information: Information you share during consultations about your health coverage needs, current plans, medications, and doctors — used solely to provide insurance guidance.
• Communication Records: Records of phone calls, text messages, emails, or scheduling interactions.
• Website Usage Data: Browser type, pages visited, time spent on pages, and referring URLs (collected automatically via standard web server logs or analytics tools).

How We Use Your Information

We use the information we collect to:

• Provide insurance consultation, plan comparisons, and enrollment assistance
• Respond to your questions and schedule appointments
• Send relevant information about Medicare, Covered California, or supplemental insurance options
• Comply with applicable laws, regulations, and insurance industry compliance requirements
• Improve our website and communications

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

Information Sharing

We may share your information only in the following circumstances:

• Insurance Carriers: With your consent, we may share information with insurance carriers to obtain quotes or complete enrollment.
• Stella Health Insurance Agency: As an authorized independent agent, we operate under the oversight of Stella Health Insurance Agency and may share information as required for compliance.
• Legal Requirements: When required by law, regulation, or valid legal process.
• Service Providers: With trusted vendors who assist in operating our website or scheduling (such as Calendly), who are bound by confidentiality obligations.

Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve your browsing experience. You may disable cookies through your browser settings, though some features of the site may not function properly as a result. We do not use cookies to collect sensitive personal or health information.

Third-Party Links and Tools

Our website may contain links to third-party websites (such as Medicare.gov, CoveredCA.com, or Calendly). We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

Data Security

We take reasonable precautions to protect your information from unauthorized access, loss, or misuse. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

We do not store sensitive health or financial information on this website. Any sensitive information shared during consultations is handled in accordance with applicable insurance industry standards.

Your Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, subject to legal and regulatory retention requirements
• Opt out of non-essential communications at any time

To exercise any of these rights, contact us at [email protected] or call 626-660-9341.

Children's Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a privacy request, contact us using the information below.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our website after changes are posted constitutes acceptance of the revised policy.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Fred Muñoz Insurance Services
• Freddermann Muñoz, License #0E44741
• Phone/Text: 626-660-9341
• Email: [email protected]
• Serving the San Gabriel Valley and Los Angeles County, CA