TERMS & CONDITIONS

REFUND POLICY

A member may terminate the scheduled payments for insured and non-insured products purchased by notifying Free Market Administrators in writing at least three (3) business days prior to the next scheduled payment date by sending an email to: memberservices@freemarketadmin.com or by calling Member Services at 844.833.8800. You understand that this coverage is not renewable or extendable and refunds are subject to review.

CANCELLATION POLICY

If a member is not 100% satisfied with the product(s) they purchased, they may contact Free Market Administrators for cancellation within 10 days of purchase. Coverage will be cancelled as of the effective date and premium will be returned less any claims paid. A member may terminate the scheduled payments for insured and non-insured products by notifying Free Market Administrators via email to:
memberservices@freemarketadmin.com or by calling Member Services at 844.833.8800.

Policy Terms & Conditions:

Free Market Administrators is a Texas-based insurance agency that provides comprehensive benefits administration and management services to agents, associations, and carriers nationwide. Our licensed third-party call center agents sell various insurance and non-insurance products to consumers (“Member”) throughout the United States.

All Member sales are conducted telephonically and include an electronic signature or a recorded verification script which is required with each sale. The purpose of this electronic signature and recorded verification call is to ensure that the Member understands, among other things, what product they are purchasing, what benefits are included with that product, how much they are paying at the initial time of sale, how much they will pay monthly thereafter, and that all subsequent monthly payments will be automatically drafted from the credit or banking account provided by the Member.

Each Member agrees that they are signing up for benefits or services that include an automatic payment plan. Each Member expressly authorizes Free Market Administrators to automatically debit their bank account or Credit Card on the payment due date provided to collect any and all fees and membership dues for their membership. Each Member acknowledges and agrees upon the membership effective date and the initial payment amount (this is comprised of the first month’s membership dues plus a one-time, refundable association membership processing fee). Each Member also acknowledges and agrees that their monthly dues will be automatically charged or drafted every month from the credit card, debit card or bank account they provide to us. If the effective date falls on a weekend or holiday, they understand that the payments may be executed on the prior business day. Further, each Member attests that they are the holder of the credit card, debit card or bank account provided. The monthly charges will appear on your monthly statement as one of the following: FreeMarketAdm8448338800.

Each Member agrees that if any such charge is dishonored, whether with or without cause and whether intentionally or inadvertently, Free Market Administrators, the insurance carrier, the bank or credit card company shall be under no liability whatsoever even though it may result in forfeiture of their plan. Each member agrees that Free Market Administrators, is authorized to contact them via phone, text or email regarding payments.

Benefits are limited to the usual, reasonable and customary charge for each covered expense, in addition to any specific limits stated in the product policy documents.

Privacy Statement:

We know how important the security and privacy of data is to you. Therefore, please review the following statement which explains what data we collect, how we use the personal information you provide, and how we keep that information secure. “Personal information” refers to data that is unique to you such as name, birth date, address, email address, IP address and telephone number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

Information Collected and Used

For purposes of this site, we may collect and use your email or phone/text number that you provide in order to respond to your inquiry or to send you information about a service or resource that you expressed interest in. We will continue to send your information unless you request us to stop or opt out. In addition, we may receive information from the third-party sites that you access through the FREE MARKET ADMIN website.

You may also decide to use your email or text number to ask us questions and provide comments about our website or services. You are encouraged to provide this feedback. We do share these messages with individuals in the organization who can appropriately respond; we may preserve the content of your message along with our response. At times, we may use a third-party vendor to determine if you open and use any information that we share via email, as well as to solicit your feedback through online surveys. Responding to these surveys is optional.

It is important to use good judgment when sending information to us via email or text. These messages may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure these transmissions while others have not which could affect the privacy and integrity of the information you send.

In addition, to the information listed above, we also collect electronic data about you in order to provide a positive website experience, offer health care programs, products and services and report on user activity. The tools we use are listed below. Please be aware that none of these tools provide FREE MARKET ADMIN with the ability to read any data residing on your computer.

Data Tools

Cookies and tags are used on websites to gather information about how individuals use and navigate the website. Neither cookies nor tags can extract any personal information about you, nor can they read any data that resides on your personal computer or device. The data collected from these sources are used to recognize repeat users and track usage patterns. Specifically, we use “cookies,” which are small pieces of information sent by a web server and stored by a member’s web browser. Cookies allow the web server to maintain an active “session” with an individual user and track what users are accessing on the website.

The following are examples of how we use the information collected from these cookies and tags:

  • Tracking resources and data accessed on the website

  • Recording general site statistics and activity

  • Troubleshooting website problems

  • Tracking what tools users are accessing on the website

  • We may combine any of this information with other information that we have about you for data analytics, reporting, and for informing you of our products and services, but only as permitted by law

Links

This website may contain links to other websites. Please be aware that we are not responsible for the content or privacy practices of such other websites. We encourage our users to be aware when they leave our website and to read the privacy statements of any other website that collects personally identifiable information.

Updates

Our Privacy Policy may change from time to time.  If a member feels that we are not abiding by this privacy policy, they should contact us immediately via telephone at 844.833.8800.