Privacy Policy

1. Introduction and Scope

InsuranceLeads4u ("Company," "we," "us," or "our") operates the website located at insuranceleads4u.com and related subscription services (collectively, the "Service"). This Privacy Policy describes how we collect, use, disclose, and safeguard personal information when you visit our website, create an account, or purchase a subscription plan.

This Policy applies to all users of the Service, including visitors, registered users, and paying subscribers. By accessing or using the Service, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of the Service immediately.

2. Information We Collect

We collect information in the following categories:

2.1 Information You Provide Directly

When you create an account, subscribe to a plan, or contact us, we collect: your full name, email address, phone number (if provided), billing address, and any messages or communications you send us. Payment information (credit card numbers, billing details) is processed exclusively by Stripe, Inc. and is never stored on our servers.

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including: IP address, browser type and version, operating system, referring URLs, pages viewed, time and date of access, and session duration. This information is collected through server logs, cookies, and similar tracking technologies.

2.3 Account and Transaction Data

We maintain records of your subscription plan, credit balance, download history, filter preferences, and support communications. We store Stripe customer identifiers and subscription identifiers to manage your billing relationship, but we do not store full payment card details.

2.4 Lead Data You Download

The lead data you download through our Service contains personal information about third-party consumers (names, phone numbers, addresses, and demographic information). You are the data controller for any consumer data you download. Your obligations regarding that data are governed by Section 6 (Your Obligations as a Data User) and our Terms of Service.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• Service Delivery: To create and manage your account, process payments, fulfill subscriptions, and provide access to lead downloads.
• Billing and Payments: To process subscription fees, manage renewals, and handle billing inquiries through our payment processor, Stripe.
• Communications: To send transactional emails (account confirmations, receipts, password resets), service updates, and respond to your support requests.
• Platform Improvement: To analyze usage patterns, diagnose technical issues, and improve the functionality and user experience of our Service.
• Legal Compliance: To comply with applicable laws, respond to lawful requests from government authorities, and enforce our Terms of Service.
• Fraud Prevention: To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activity.
• Marketing (with consent): To send promotional communications about new features or plans, where you have opted in to receive such communications. You may opt out at any time.

4. Legal Bases for Processing (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, we process your personal data under the following legal bases as required by the General Data Protection Regulation (GDPR):

• Contract Performance: Processing necessary to provide the Service you subscribed to, including account management and lead delivery.
• Legitimate Interests: Processing for fraud prevention, security, platform analytics, and service improvement, where our interests do not override your fundamental rights.
• Legal Obligation: Processing required to comply with applicable laws, regulations, or court orders.
• Consent: Processing for optional marketing communications, where you have provided explicit consent. You may withdraw consent at any time without affecting prior processing.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to operate and improve our Service. Cookies are small data files stored on your device. We use the following categories of cookies:

• Strictly Necessary Cookies: Required for authentication, session management, and security. These cannot be disabled without impairing Service functionality.
• Functional Cookies: Remember your preferences and settings to improve your experience.
• Analytics Cookies: Help us understand how users interact with our Service so we can improve it. Data collected is aggregated and anonymized where possible.

You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of the Service. We do not currently respond to browser "Do Not Track" signals, as no industry-wide standard has been established.

6. Your Obligations as a Data User

When you download lead data through our Service, you become an independent data controller for that consumer information. You acknowledge and agree that:

• You will use lead data only for lawful insurance outreach purposes consistent with applicable federal and state laws.
• You will comply with the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR), and all applicable state telemarketing regulations.
• You will honor Do Not Call requests from consumers and maintain your own internal DNC suppression list.
• You will not resell, redistribute, sublicense, or share lead data with third parties without our express written consent.
• You will implement appropriate technical and organizational measures to protect consumer data from unauthorized access or disclosure.
• You accept sole responsibility for any regulatory violations, fines, or legal claims arising from your use of downloaded lead data.

7. Disclosure of Your Information

We do not sell your personal information to third parties. We may share your information in the following limited circumstances:

• Service Providers: We share information with trusted third-party vendors who assist in operating our Service, including Stripe (payment processing), cloud hosting providers, and email delivery services. These providers are contractually obligated to protect your information and may not use it for their own purposes.
• Legal Requirements: We may disclose information when required by law, subpoena, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, reorganization, or sale of all or substantially all of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice on our website prior to any such transfer.
• With Your Consent: We may share information for any other purpose with your explicit consent.

8. Data Retention

We retain your personal information for as long as necessary to provide the Service and fulfill the purposes described in this Policy, unless a longer retention period is required by law. Specifically:

• Account information is retained for the duration of your active subscription and for a reasonable period thereafter to handle billing disputes or legal claims.
• Transaction records are retained for a minimum of seven (7) years to comply with tax and financial recordkeeping obligations.
• Support communications are retained for two (2) years following resolution.
• Technical logs are retained for up to ninety (90) days for security and debugging purposes.

When retention periods expire, we securely delete or anonymize personal information.

9. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (TLS/SSL), secure password hashing, access controls, and regular security reviews. All payment processing is handled by Stripe, which maintains PCI-DSS Level 1 compliance — the highest level of certification in the payment industry. While we take reasonable precautions, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, and you use the Service at your own risk.

10. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

10.1 Rights Under GDPR (EEA/UK Residents)

• Right of Access: Request a copy of the personal data we hold about you.
• Right to Rectification: Request correction of inaccurate or incomplete data.
• Right to Erasure ("Right to be Forgotten"): Request deletion of your personal data, subject to legal retention obligations.
• Right to Restriction: Request that we restrict processing of your data in certain circumstances.
• Right to Data Portability: Receive your data in a structured, machine-readable format.
• Right to Object: Object to processing based on legitimate interests or for direct marketing purposes.
• Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent.

10.2 Rights Under CCPA (California Residents)

California residents have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request deletion of personal information we have collected, subject to certain exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out of Sale or Sharing: We do not sell or share personal information for cross-context behavioral advertising. No opt-out is required.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise any of these rights, contact us at [email protected]. We will respond to verified requests within thirty (30) days. We may need to verify your identity before processing your request.

11. Children's Privacy

Our Service is intended for use by licensed insurance professionals and business entities. We do not knowingly collect personal information from individuals under the age of eighteen (18). If we become aware that we have inadvertently collected personal information from a minor, we will take prompt steps to delete that information. If you believe we have collected information from a minor, please contact us immediately at [email protected].

12. Third-Party Links and Services

Our Service may contain links to third-party websites, including our scheduling provider (Calendly) and payment processor (Stripe). These third-party sites have their own privacy policies, and we are not responsible for their practices. We encourage you to review the privacy policies of any third-party services you interact with through our platform.

13. International Data Transfers

InsuranceLeads4u is operated from the United States. If you are accessing our Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country. By using our Service, you consent to the transfer of your information to the United States. For EEA/UK users, we rely on Standard Contractual Clauses and other appropriate safeguards where required by applicable law.

14. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we make material changes, we will notify you by updating the "Last Updated" date at the top of this page and, where appropriate, by sending an email notification to the address associated with your account. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Policy. We encourage you to review this Policy periodically.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

If you are located in the EEA and believe we have not adequately addressed your privacy concerns, you have the right to lodge a complaint with your local data protection supervisory authority.