Privacy Policy

At Fusco Orsini & Associates, we are committed to protecting your privacy as a visitor to this website and as our customer. To our visitors and to our customers, we offer this pledge:

Fusco Orsini & Associates is the owner of the information collected on this website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease, or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

Information Collection

We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this website.

When you enroll for an insurance policy at Fusco Orsini & Associates, we will ask you to provide your name, home address, mailing address, telephone number, and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Fusco Orsini & Associates so we can provide you with policyholder service. The employees of Fusco Orsini & Associates are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.

When you purchase an insurance policy from Fusco Orsini & Associates, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

When you send us e-mail from this website, you will provide us with certain personally identifiable information, including your e-mail address.

Consent for Communications

By providing your contact information through our website, you consent to be contacted by Fusco Orsini & Associates via phone, text, or email for service updates, policy information, or marketing purposes. Automated technologies may be used for these communications.

You are not required to provide consent as a condition of purchasing any services. You can withdraw your consent at any time by contacting us at (888) 789-6175 or following the opt-out instructions provided in the message.

Opt-Out Options

You can opt out of receiving marketing communications at any time by:

  • Replying "STOP" to any text message.
  • Clicking the "Unsubscribe" link in marketing emails.
  • Contacting us directly at (888) 789-6175 or hello@foagency.com.

Automated Communications

We may use automated technologies to contact you by phone or text for purposes related to your insurance needs, policy updates, or marketing. By submitting your information, you consent to receiving these communications. You can opt out at any time as outlined above.

Mobile Information and SMS Communications

Fusco Orsini & Associates does not share, sell, or rent mobile information (including phone numbers and SMS opt-in data) to third parties or affiliates for marketing or promotional purposes. Mobile information that you provide to us, including consent to receive SMS messages, will not be shared with any third parties for marketing purposes under any circumstances.

Information sharing with subcontractors is limited to those supporting the SMS service (e.g., customer support providers, message delivery platforms such as Twilio), and these third parties are contractually prohibited from using your mobile information for their own marketing purposes.

By opting in to receive text messages from Fusco Orsini & Associates, you agree to receive recurring SMS messages related to your insurance needs, policy updates, quotes, and service notifications. Message frequency varies based on your interaction with us. Message and data rates may apply, depending on your mobile carrier plan.

  • Reply HELP at any time for assistance, or contact us at (888) 789-6175 or hello@foagency.com.
  • Reply STOP at any time to unsubscribe and stop receiving messages. After replying STOP, you will receive one final confirmation message.

Carriers are not liable for delayed or undelivered messages.

SMS Messaging Terms

By opting in to receive text messages from Fusco Orsini & Associates, you agree to receive recurring SMS messages related to your insurance needs, policy updates, quotes, and service notifications. Message frequency varies based on your interaction with us. Message and data rates may apply, depending on your mobile carrier plan.

By providing your mobile phone number and opting in to receive text messages from Fusco Orsini & Associates, you agree to the following terms:

  • Message Frequency: You may receive recurring text messages from Fusco Orsini & Associates. Message frequency varies based on your interaction with our agency, including quotes, policy updates, service notifications, and follow-up communications.
  • Message and Data Rates: Message and data rates may apply, depending on your mobile carrier plan. Fusco Orsini & Associates is not responsible for any charges from your wireless carrier.
  • HELP: Reply HELP at any time to receive assistance, or contact us directly at (888) 789-6175 or hello@foagency.com.
  • STOP: Reply STOP at any time to unsubscribe and stop receiving messages. After replying STOP, you will receive one final confirmation message and no further messages will be sent unless you opt in again.
  • Supported Carriers: Supported carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, U.S. Cellular, MetroPCS, and others. Carriers are not liable for delayed or undelivered messages.
  • Consent: Consent to receive SMS messages is not a condition of purchasing any insurance product or service from Fusco Orsini & Associates.
  • Privacy: For information on how we collect, use, and protect your mobile information, please see our Privacy Policy.

Telephone Consumer Protection Act (TCPA)

Fusco Orsini & Associates complies with the TCPA, which requires explicit written consent to contact you via phone or text for marketing purposes. By submitting your contact information on our website, you consent to these communications, as described in this Privacy Policy.

Use of Artificial Intelligence

We use artificial intelligence (AI) tools to support our operations, improve service, and assist with administrative tasks. The following describes how we use AI and the safeguards we maintain. A licensed team member oversees AI-assisted work product and is responsible for any final advice, recommendation, or communication provided to you.

 

1. Customer service automation.

We may use AI to draft email responses, summarize voicemails or call transcripts, generate intake notes from prospect or client conversations, and triage inbound communications. AI-generated communications are reviewed by a licensed team member before they are sent to you.

 

2. Data analysis and risk evaluation.

We may use AI to analyze policy data, claims history, market conditions, and submission information to support underwriting decisions, identify potential coverage gaps, and recommend coverage options. AI is one input. A licensed broker is responsible for the final recommendation.

 

3. Content and document generation.

We use AI to draft proposals, summaries, letters, marketing materials, and internal documents. A licensed team member reviews every client-facing document before it is sent to you.

 

4. Safeguards.

We do not authorize AI providers to use your personal information to train their public models. We use enterprise versions of AI tools whose terms contractually limit how your information is processed and retained. We restrict AI access to personal information to the team members who need it to serve you, consistent with the access controls described above.

 

5. Your rights.

You may request that we limit the use of AI in connection with your account or ask us to confirm what AI tools we have used in connection with your file. You may also request human-only handling of your account where reasonably feasible. To make a request, call us at 888.789.6175 or email hello@foagency.com.

Data Retention

Fusco Orsini & Associates retains your personal information as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. If you wish to have your data deleted, please contact us at (888) 789-6175.

Cookies

A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this website. We may utilize a short-lived form of cookie when you visit this site. At Fusco Orsini & Associates, a cookie is only used to identify one unique visitor from another visitor during a particular session.

A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie.

The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our website for more than 20 minutes. Should a previous visitor to our website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.


When you visit or log in to our website, cookies and similar technologies may be used by our online data partners or vendors to associate these activities with other personal information they or others have about you, including by association with your email. We (or service providers on our behalf) may then send communications and marketing to these email. You may opt out of receiving this advertising by visiting https://app.retention.com/optout. You also have the option to opt out of the collection of your personal data in compliance with GDPR. To exercise this option, please visit https://www.rb2b.com/rb2b-gdpr-opt-out.

Third-Party Links

This website may contain links to third-party websites that are not controlled by Fusco Orsini & Associates. These third-party links are made available to you as a convenience, and you agree to use these links at your own risk. Please be aware that Fusco Orsini & Associates is not responsible for the content of third-party websites linked to our website nor are we responsible for the privacy policy or practices of third-party websites linked to us. Our Privacy Policy only applies to information we collect from you while you are actively in a session with our website.

If you should link to a third-party website, we strongly encourage you to review and become familiar with that website’s privacy policy.

Changes in Our Privacy Policy

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.

Contact Information

If you have any questions about our privacy policy, please feel free to contact us at:

Fusco Orsini & Associates
5095 Murphy Canyon Rd, Suite 200
San Diego, CA 92123
Office: (888) 789-6175
Email: hello@foagency.com