Privacy Policy

Effective Date: May 26th, 2026

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Fulcro Insurance (“Fulcro,” “we,” “our,” or “us”) values your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website, digital forms, communications, and related online services.

By using this website, you agree to the terms of this Privacy Policy.

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1. Information We Collect

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We may collect personal information that you voluntarily provide when you contact us, request information, submit a form, subscribe to communications, or interact with our website.

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This information may include:

• Name

• Email address

• Phone number

• Company name

• Job title

• Mailing address

• Insurance-related inquiries

• Information related to your personal or commercial insurance needs

• Any other information you choose to provide through our website or communications

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We may also collect certain technical information automatically, including:

• IP address

• Browser type

• Device information

• Pages visited

• Time spent on the website

• Referring website

• General usage data

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2. How We Use Your Information

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We may use the information we collect to:

• Respond to your inquiries or requests

• Provide information about our insurance services and solutions

• Connect you with the appropriate Fulcro representative or specialist

• Evaluate your insurance-related needs

• Improve our website, services, content, and user experience

• Send relevant updates, resources, or communications

• Maintain internal records

• Comply with applicable legal, regulatory, or business obligations

• Protect the security and integrity of our website and operations

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3. Insurance-Related Information

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Because Fulcro provides insurance brokerage, advisory, claims, employee benefits, and risk management services, some information you provide may relate to insurance coverage, business operations, claims, employees, assets, or other sensitive matters.

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We only use this information for legitimate business purposes related to your inquiry, service request, policy support, claims assistance, or relationship with Fulcro.

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4. Sharing of Information

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We do not sell your personal information.

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We may share your information with trusted third parties when necessary to provide our services or operate our business, including:

• Insurance carriers

• Claims administrators

• Benefits providers

• Service providers

• Technology vendors

• Legal, compliance, or regulatory advisors

• Affiliated offices or representatives

• Government or regulatory authorities when required by law

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We only share information when reasonably necessary and expect third parties to handle such information responsibly and in accordance with applicable privacy and security standards.

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5. Cookies and Tracking Technologies

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Our website may use cookies, analytics tools, and similar technologies to understand website performance, improve functionality, and enhance the user experience.

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Cookies may help us analyze traffic, remember preferences, and understand how visitors interact with our website. You may adjust your browser settings to refuse cookies or notify you when cookies are being used. However, some website features may not function properly without cookies.

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6. Email Communications

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If you provide your email address, we may use it to respond to your inquiries or send relevant communications. You may opt out of marketing-related emails at any time by following the unsubscribe instructions included in the email or by contacting us directly.

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Even if you opt out of marketing communications, we may still send you administrative, transactional, or service-related messages.

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7. SMS Communications and Mobile Data Privacy

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Fulcro Insurance may send SMS text messages to individuals who have opted in to receive communications from us. These messages may include appointment reminders, policy-related communications, service updates, claims-related communications, document requests, account notifications, and other insurance service-related messages.

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When you opt in to receive SMS messages from Fulcro Insurance, we may collect and use your mobile phone number, SMS consent status, message history, and related communication preferences.

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We use this information only to send and manage SMS communications related to Fulcro Insurance services.

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We do not share consumer opt-in consent with any third parties. Mobile data consent will not be shared with any third parties through this SMS channel.

Fulcro Insurance does not sell, rent, or share SMS opt-in data or mobile phone numbers for marketing purposes.

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You may opt out of SMS communications at any time by texting STOP. You may request assistance by texting HELP.

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8. Data Security

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We implement reasonable administrative, technical, and physical safeguards to help protect personal information from unauthorized access, disclosure, alteration, or destruction.

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However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

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9. Data Retention

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We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, provide services, maintain business records, comply with legal or regulatory obligations, resolve disputes, and enforce agreements.

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10. Third-Party Websites

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Our website may contain links to third-party websites or platforms. Fulcro is not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review their privacy policies before providing any personal information.

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11. Children’s Privacy

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Our website is intended for business and general informational purposes and is not directed to children under the age of 13. We do not knowingly collect personal information from children.

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12. Your Privacy Choices

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Depending on your location and applicable law, you may have the right to request access to, correction of, or deletion of your personal information. You may also request that we limit certain uses of your information.

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To make a privacy-related request, please contact us using the information below.

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13. International Users

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Fulcro may serve clients and website visitors across different jurisdictions, including Puerto Rico, the United States, and the Dominican Republic. By using our website or submitting information to us, you understand that your information may be processed in jurisdictions where privacy laws may differ from those in your location.

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14. Changes to This Privacy Policy

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We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the website after any changes means you accept the updated Privacy Policy.

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15. Contact Us

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If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

Fulcro Insurance
Puerto Rico Office
Los Muchachos Bldg.
204 San Francisco St.
Old San Juan, PR 00901

Email: fulcro@fulcroinsurance.com
Phone: 787.725.5880

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