Fernstone Insurance Company ("Fernstone," "we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard the information you provide to us, including information collected through our website, mobile applications, agent interactions, and third-party platforms such as Facebook, where we may operate lead generation forms and other digital touchpoints.

By using our services or submitting information to us through any channel, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with its terms, please refrain from using our services.

1.  Information We Collect

We may collect the following categories of personal information:

• Identifying information: name, date of birth, Social Security number, government-issued ID numbers.

• Contact information: mailing address, email address, and telephone number.

• Financial information: income, assets, credit history, and payment details necessary to underwrite or service an insurance policy.

• Health and medical information: where required or permitted for certain insurance products (e.g., life or health insurance).

• Policy and claims information: current and prior insurance coverage, claims history, and loss information.

• Device and usage data: IP address, browser type, pages visited on our website, and cookies or similar tracking technologies.

• Facebook form data: information you voluntarily submit through our native lead-generation forms on Facebook (see Section 5 for details).

2.  How We Collect Information

We collect information from the following sources:

• Directly from you: when you request a quote, purchase a policy, file a claim, contact our agents, or fill out a form on our website or on a third-party platform.

• Automatically: through cookies, web beacons, and similar technologies when you interact with our digital properties.

• Third parties: consumer reporting agencies, insurance support organizations, government databases, and social media platforms (including Meta/Facebook).

• Publicly available records: such as property records, motor vehicle records, and court filings.

3.  How We Use Your Information

Fernstone uses collected information to:

• Evaluate insurance applications and issue, renew, or cancel policies.

• Process premium payments and manage your account.

• Investigate, evaluate, and settle claims.

• Comply with legal and regulatory obligations, including state insurance laws.

• Detect and prevent fraud, identity theft, and other unlawful activities.

• Communicate with you about your policy, important notices, or updates to our services.

• Conduct marketing and advertising activities, including through targeted digital campaigns on social media platforms.

• Improve our products, services, and digital experiences through analytics.

• Follow up on leads generated through Facebook native forms or other digital advertising.

4.  Sharing and Disclosure of Information

We do not sell your personal information. We may share your information with the following categories of parties only as permitted or required by law and for the purposes described in this Policy:

• Affiliated companies within the Fernstone family of companies, for underwriting, claims, and administrative purposes.

• Insurance agents, brokers, and producers acting on our behalf.

• Reinsurers, actuarial consultants, and other insurance support organizations.

• Service providers and vendors (e.g., IT, data analytics, printing, and mailing services) who process data on our behalf under confidentiality obligations.

• Government agencies, regulators, and law enforcement when required by law or in response to legal process.

• Credit bureaus, fraud detection services, and consumer reporting agencies.

• Social media platforms, including Meta (Facebook and Instagram), solely to facilitate our advertising programs and to receive lead information submitted through our forms (see Section 5).

• Successor entities in the event of a merger, acquisition, or sale of assets, subject to applicable law.

5.  Facebook Lead Generation Forms

Fernstone Insurance Company uses Facebook's native lead generation ad format ("Facebook Lead Ads") to allow prospective customers to request insurance quotes, schedule consultations, or receive information about our products without leaving the Facebook platform. When you submit information through one of our Facebook Lead Ad forms, the following applies:

Information collected through Facebook Lead Ads may include:

• Name and contact information (email address, phone number).

• Type of insurance product you are interested in.

• Any additional fields included in the specific form you complete.

Data transfer and use. Information you submit through our Facebook Lead Ad forms is transmitted to Fernstone via Meta's secure data infrastructure and is subject to both this Privacy Policy and Meta's Privacy Policy (available at https://www.facebook.com/privacy/policy). Fernstone uses this information solely to respond to your inquiry, provide a quote, or otherwise follow up on your expressed interest in our products.

Facebook's role. Meta (Facebook) acts as a separate data controller with respect to your Facebook account and profile information. We encourage you to review Meta's Data Policy to understand how they collect, use, and share your information. Fernstone is not responsible for Meta's data practices.

Consent. By completing and submitting a Fernstone Lead Ad form on Facebook, you consent to Fernstone contacting you at the phone number or email address you provide, including by telephone, text message, or email, even if your number is on a Do Not Call registry, unless you have otherwise opted out. Standard message and data rates may apply.

Opt-out. You may opt out of future marketing communications at any time by following the unsubscribe instructions in any email we send you, by texting STOP in response to any SMS message, or by contacting us directly using the information in Section 10.

6.  Cookies and Online Tracking Technologies

Our website and digital platforms use cookies, pixel tags, and similar technologies to enhance your experience, analyze traffic, and serve relevant advertisements. We may use the Meta Pixel or similar tools to measure the effectiveness of our Facebook advertising campaigns and to build custom or lookalike audiences on the platform. You may adjust your browser or device settings to restrict cookies; however, doing so may limit certain features of our services. You may also opt out of interest-based advertising through the Digital Advertising Alliance at www.aboutads.info or through your Facebook ad preferences.

7.  Data Security

Fernstone maintains reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These safeguards include encryption of data in transit and at rest, access controls, and regular security assessments. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

8.  Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to service your policy or claim, and to comply with our legal, regulatory, and contractual obligations. When information is no longer required, we dispose of it in a secure manner.

9.  Your Rights and Choices

Depending on your state of residence, you may have the right to:

• Access: request a copy of the personal information we hold about you.

• Correction: request that we correct inaccurate or incomplete information.

• Deletion: request deletion of your personal information, subject to certain legal exceptions.

• Opt-out: opt out of the use of your personal information for marketing or targeted advertising.

• Non-discrimination: not be discriminated against for exercising your privacy rights.

To exercise any of these rights, please contact us using the information in Section 10. We will respond to verified requests within the timeframe required by applicable law. We may need to verify your identity before processing your request.

10. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or have a concern about how we handle your information, please contact us:

Fernstone Insurance Company
Attn: James Chen
169 Madison Ave Ste 38507
New York, NY 10016
Phone: 516-504-9761
Email: service@fernstone.com

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will post the revised Policy on our website and update the effective date at the top. We encourage you to review this Policy periodically. Your continued use of our services following the posting of changes constitutes your acceptance of the updated Policy.broker who knows what underwriters are looking for, has strong carrier relationships, and communicates clearly throughout the process. That is exactly where Fernstone adds value.

Our experience with more than 50 garage customers gives us practical perspective on how these accounts are reviewed and quoted. We understand the pressure points in this class, the questions that slow deals down, and the issues that can make a risk more difficult than it looks at first glance. That helps us move faster and set expectations more clearly from the start.

Customer service is a real part of the value here, not just a line on a website. When a business owner asks for an update, needs help gathering information, or wants to understand what a carrier is asking for, they should not have to wait days for a response. Fernstone responds to customers in under 24 hours because that level of responsiveness actually matters during the quoting process.