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
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.
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