Privacy Policy

1. Introduction

Lead Zentra LLC ("Lead Zentra," "we," "us," or "our") is a lead generation company, not a licensed insurance company, agent, or broker. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our websites, submit inquiry forms, or interact with our lead generation services.

By using our website or submitting information through any of our forms, you acknowledge that you have read and understood this Privacy Policy and agree to its terms. If you do not agree with the terms of this Privacy Policy, please do not use our website or services.

2. Information We Collect

Information You Provide Directly

When you complete a form on our website or landing pages, we may collect:

• Full name, address, phone number, and email address
• Date of birth and age-related information
• Insurance type of interest (e.g., health, life, auto, Medicare)
• Geographic information (state, ZIP code)
• Communication preferences and consent status

Information Collected Automatically

When you visit our website, we automatically collect:

• IP address and approximate geolocation
• Browser type and operating system
• Pages visited, time on site, and referral URLs
• Cookies and similar tracking technologies (see Section 6)
• Device identifiers and advertising IDs

3. How We Use Your Information

We use the information we collect to:

• Connect you with licensed insurance agents, carriers, and agencies who may assist you with insurance products
• Contact you by phone, email, text message, or autodialer with insurance-related information (with your prior express written consent)
• Operate and improve our website and lead generation services
• Comply with applicable laws and regulations
• Detect and prevent fraud, abuse, and unauthorized use
• Analyze usage trends and improve our marketing campaigns
• Fulfill any other purpose described to you at the time of collection

4. How We Share Your Information

As a lead generation company, sharing your information with third parties is central to our business model. We may share your personal information with:

• Insurance Partners: Licensed insurance carriers, agencies, and independent agents who may contact you about insurance products. These may be shared or exclusive depending on the lead type.
• Service Providers: Third-party vendors who assist us with data processing, CRM management, analytics, advertising, and IT services.
• Advertising Partners: Digital advertising platforms (e.g., Facebook, Google) for campaign delivery and lookalike audience targeting.
• Legal Compliance: Government authorities, courts, or law enforcement when required by applicable law or legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of business assets, your information may be transferred to the successor entity.

5. TCPA Consent & Communications

When you submit a form on our website, you provide prior express written consent to be contacted by Lead Zentra LLC and its insurance partners by telephone, text message, or automated dialing system, even if your number is on a Do Not Call registry.

We document all consent, including:

• The exact consent language displayed at the time of submission
• Date, time, and IP address of the form submission
• Source URL of the page where consent was collected
• The identity of the consumer and their contact information

Consent records are retained for a minimum of four (4) years. Consent is not a condition of purchase. You may revoke your consent at any time by contacting us or replying STOP to any text message.

6. Cookies & Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to enhance your experience on our website, measure advertising performance, and improve our services. For full details, please review our Cookie Policy.

You may control cookies through your browser settings or by using our Cookie Preference Manager. Disabling cookies may impact the functionality of our website.

7. Your Rights & Choices

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention obligations)
• Opt-Out of Sale: Opt out of the sale of your personal information (California, Virginia, Colorado, etc.)
• Non-Discrimination: We will not discriminate against you for exercising your privacy rights
• Communication Opt-Out: Opt out of marketing communications at any time

To exercise any of these rights, please email privacy@leadzentra.com or visit our Do Not Sell My Info page. We will respond within 45 days (or as required by applicable law).

8. California Privacy Rights (CCPA/CPRA)

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

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information we have collected
• Right to opt out of the sale or sharing of personal information
• Right to correct inaccurate personal information
• Right to limit use of sensitive personal information
• Right to non-discrimination for exercising CCPA rights

To submit a CCPA request, visit our Do Not Sell My Personal Information page or contact us at privacy@leadzentra.com.

9. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information, including:

• TLS 1.3 encryption for all data in transit
• AES-256 encryption for data at rest
• Access controls and role-based permissions
• Regular security audits and vulnerability assessments
• Employee security training and confidentiality agreements

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

10. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including:

• TCPA consent records: Minimum 4 years
• Lead data provided to partners: As needed for the lead transaction
• Website analytics data: Up to 26 months
• Legal compliance records: As required by applicable law

11. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we have inadvertently collected information from a minor, please contact us at privacy@leadzentra.com.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you by email or prominent notice on our website. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

13. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

• Email: privacy@leadzentra.com
• Mailing Address: Lead Zentra LLC, Privacy Department, [Address], United States
• Phone: 1-800-LEAD-ZEN