Privacy Policy

This Privacy Policy, together with any other documents referred to on this website, outlines the privacy practices for the insurance website. This is a general policy statement of FM Financial Information Services (formerly GIRO Select Insurance Services). The use of this site will constitute acknowledgment by you that you have read and understand this Privacy Policy and that you consent to the practices described herein with respect to the information collected from or provided by you. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

We hope you enjoy the content within our Privacy Policy web site, and that you quickly learn how we are a different kind of insurance agency. A place where you can be treated with respect and honesty, one where you can tell us what is important to you and expect that we will build policies that meet those needs.

In the event of a dispute arising from this privacy policy, you agree to take it to non-court dispute resolution, and that will be based on written evidence (instead of oral). It is that simple. There is no cost to enter into this agreement and it will not interfere with your rights in any other way. The sane part about this service is that it only applies for arbitration for disputes regarding privacy policies and does not negate or supersede any other arbitration agreements you may have with the Company.

The important issue is to focus on the policy of insurance and not just the fees and charges. Just because a broker quotes a low price does not mean you are getting the best policy for your needs, so always vet the fee in relation to the policy. If a broker offers only one product, beware. Choose a broker who offers a range of products. This way you can select the best product for your individual needs and budget.

Log Files:
Like many other Web sites, makes use of log files. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Web Beacons and Third Party Processors:

We use cookies to collect the information described in this privacy policy, to manage and maintain the Services and to track your use of the Services. We may also use web beacons, third party tracking technologies and third party providers.
In order to collect the data described herein we may use temporary cookies that remain on your device for a limited period of time. We may also use persistent cookies that remain on your device until manually removed in the settings of your device/browser, in order to manage and maintain the services and record your use of the Services. Cookies by themselves cannot be used to discover the identity of the user. A cookie is a small piece of information which is sent to and stored on your device. Cookies do not damage your device.

Some of the cookies that we set when you visit our Services are essential to the working functionality of the Services. Performance cookies are another type of cookies uses to provide with you a better user experience and to improve how content on our website is presented.
Most browsers or devices may allow you to block cookies block cookies but you may not be able to use some features on the Services if you block them. You may set most browsers to notify you if you receive a cookie (this enables you to decide if you want to accept it or not). We may also use web beacons via the Services to collect information. Web beacons or “gifs”, are electronic images that may be used in our Services or in our emails. We use Web beacons to deliver cookies, count visits and to tell if and when an email has been opened and acted upon.

Consent To Processing and Transferring of PII:

By providing any PII to us pursuant to this policy, all users, including, without limitation, users in the United States, member states of the European Union, and other regions, fully understand and unambiguously consent to this policy and to the collection and processing of such PII abroad. The server on which the Services are hosted and/or through which the Services are processed may be outside the country from which you access the Services and may be outside your country of residence. Some of the uses and disclosures mentioned in this policy may involve the transfer of your PII to various countries around the world that may have different levels of privacy protection than your country. By submitting your PII through the Services, you consent, acknowledge, and agree that we may collect, use, transfer, and disclose your PII as described in this policy. If you do not consent to the terms of this policy, please do not use the Services. If we transfer your PII outside of the EEA we will, in the absence of an EC Adequacy decision relevant to the destination country or to the transfer, seek to rely on appropriate safeguards such as a valid Privacy Shield certification (in the case of a data transfer to a Privacy Shield certified US recipient):, or enter into appropriate EC approved standard contractual clauses (see


If you are a child under the age of 18, you must not use our Services or provide us with your PII. The Company will not knowingly contact or engage with children under the age of 18. If you have reason to believe that a child has provided us with their PII, please contact us at the email address contact and we will endeavor to delete that PII from our databases.

Right of Access and Rectification:

You have the right to know what PII we collect about you and to ensure that such data is accurate and relevant for the purposes for which Company collected it. We allow our users the option to access and obtain a copy of their PII and to rectify such PII if it is not accurate, complete or updated. However we may first ask you to provide us certain credentials to permit us to identify your PII.

Right to Withdraw Consent:

You have the right to withdraw your consent to the processing of your PII. Exercising this right will not affect the lawfulness of processing your PII based on your consent before its withdrawal. You may exercise the above rights by sending a request to

Right of Data Portability:

Where technically feasible, you have the right to ask to transfer your PII in accordance with your right to data portability.

Information sharing:

As part of providing the Services and/or generating and processing analytics, our affiliates, agents representatives and third party providers may have access to your PII. The Company may also share PII in the following circumstances: (a) as required for the provision, maintenance and improvement of the Services; (b) if we become involved in a reorganization, merger, consolidation, acquisition, or any form of sale of some or all of our assets; and/or (c) to satisfy applicable law or prevention of fraud or harm or to enforce applicable agreements and/or their terms, including investigation of potential violations thereof. The Services may link to third party content, products and services. Any PII that you provide in connection therewith is provided to a third party. We are not responsible for the privacy and data protection practices of such third parties, or for such content, products and services, and we encourage you to read the terms and conditions and privacy policy of each third party that you choose to use or interact with. Our business affiliates on whose website or platform you use the Services will also have access to your PII. For more information about how they collect and process PII please see their privacy policy on their website. We require each of them to collect and process PII lawfully and to obtain your consent where required.

Right to Lodge Complaint:

You also have the right to lodge a complaint with a data protection supervisory authority regarding the processing of your PII.

Changes to This Privacy Policy:

We reserve the right, in our sole and absolute discretion, to change this Privacy Policy at any time. Such change will be effective following posting of the revised Privacy Policy on our Services, and your continued use of our Services shall mean that you accept those changes.
We will notify you about significant changes in the way we treat PII by sending a notice to the primary email address specified in your account or by placing a prominent notice on the Services. We encourage you to periodically review this policy for the latest information about our privacy practices.

accept those changes.

We will notify you about significant changes in the way we treat PII by sending a notice to the primary email address specified in your account or by placing a prominent notice on the Services. We encourage you to periodically review this policy for the latest information about our privacy practices.


If you have any questions about this policy or concerns about the way we process your PII, please contact our Data Protection Officer
Your California Privacy Rights and Do Not Track


California Civil Code Section 1798.83 permits customers of Company who are California residents to request certain information regarding its disclosure of PII to third parties for their direct marketing purposes. To make such a request, please contact us using the contact details published on our Services. Please note that we are only required to respond to one request per customer each year. You are also advised that Company does not respond to “Do Not Track” signals.


You are not legally required to provide us with PII, however, some features of the Services require you to do so pursuant to this Privacy Policy. In these cases, if you choose to withhold any PII requested by us, it may not be possible for you to access or utilize certain Services. We recognize that privacy is important. This policy applies to all of the software, services, information, tools, features and functionality available on the Services offered by the Company or its subsidiaries or affiliated companies and covers how PII that the Company collects and receives, including in respect of any use of the Services, is treated. If you have any questions about this policy, please feel free to contact us using the contact details published on our Services.

Information You Provide:

For some features of the Services we ask you for personal information, including: name, photo, email address, physical address, phone number, your social network or third party service provider user ID through which you accessed or registered to the Services (e. g. Facebook ID, hereinafter, “Third Party Platforms”).

Third Parties:

We sometimes supplement the information that you provide with information that is received from third parties. If you access the Services through any Third Party Platforms, or interact with any Third Party Platforms or other social media plug-in in the Services (such as a Facebook “Like” button) we may receive information from your respective social media or Third Party Platforms account, including your account information, photo and any information defined as public pursuant to the policies of such Third Party Platforms and/your settings in the respective Third Party Platform.

Aggregated Personal Data:

In an ongoing effort to better understand and serve the users of the Services, Company often conducts research on its customer demographics, interests and behavior based on the PII and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Company may share this aggregate data with its affiliates, agents and business partners. This aggregate information does not identify you personally. Company may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.

User Information:

When you use our Services, we may automatically receive and record information from your device and browser, including your IP address, IDFA identifiers (for iOS devices), Identifier for Advertising (for iOS devices) and Google Advertiser IDs (for Android devices) (such identifiers are collected herein for the following purposes, among other things: frequency capping, attribution, conversion events, estimating the number of unique users, advertising fraud detection, and debugging) cookie information, search history, device ID, Android ID, your regional and language settings, the physical location of your device (if you have permitted your mobile or other location-aware device to transmit location data), network status (WiFi/3G), and software and hardware attributes. We may use your location (city) (if you have permitted your mobile or other location-aware device to transmit location data) to learn how to adjust and personalize your use of the Services. Our systems may automatically record and store technical information regarding the method and nature of your use of the Services, including without limitation which pages of the Services our visitors view and impressions. An IP address is a numeric code that identifies your device on a network, or in this case, the Internet. Your IP address is also used to gather broad demographic information.

DoubleClick DART Cookie:
*** Google, as a third party vendor, uses cookies to serve ads on
*** Google’s use of the DART cookie enables it to serve ads to users based on their visit to and other sites on the Internet.
**** Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL –

These third-party ad servers or ad networks use technology to the advertisements and links that appear on send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.