Privacy Policy

Agent Advantage Systems

1. Introduction and Scope

Agent Advantage Systems (“Agent Advantage,” “Company,” “we,” “us,” or “our”) respects your privacy and is committed to explaining how information is collected, used, disclosed, and protected in connection with our website and business operations.

This Privacy Policy describes our information practices in connection with https://agentadvantage.io (the “Website”), including information collected automatically through website technologies, information voluntarily provided through inquiries and communications, and information processed in connection with customer relationships and transactions involving the Website.

Agent Advantage provides life insurance lead-generation and related marketing services to insurance agents, brokers, agencies, and other business customers. Consumer information used to generate insurance leads is collected through separate advertising campaigns and landing-page domains, rather than directly through the main Website. Those landing pages may be governed by separate privacy notices and consent disclosures that describe the applicable collection, use, and disclosure of consumer information.

This Policy should be read together with any applicable notices presented at the point information is collected. If a separate notice applies to a particular collection activity, that notice will govern the specific activity to the extent of any inconsistency, subject to applicable law.

By accessing the Website, you acknowledge that you have had the opportunity to review this Policy. Your use of the Website does not, by itself, constitute consent to any processing for which affirmative consent is legally required.

2. Categories of Information We Collect

The categories of information we collect depend on how you interact with the Website and our business.

2.1. Information You Provide Voluntarily

When you contact us, request information, communicate with our team, or otherwise interact with us, we may collect information you voluntarily provide, including:

  • Name and business or agency name;

  • Email address and telephone number;

  • Website address or other business contact details;

  • The contents of inquiries, support requests, and other communications;

  • Attachments or documents you choose to submit; and

  • Other information you voluntarily provide in connection with your inquiry or business relationship.

You are responsible for ensuring that information you submit is accurate and that you are authorized to provide it.

2.2. Customer, Order, and Transaction Information

If you purchase services from us or otherwise establish a business relationship, we may collect and maintain information reasonably necessary to administer that relationship, including order details, purchased products or services, payment status, transaction identifiers, billing-related records, customer communications, and records of support requests.

Payments may be processed by third-party payment processors. Where a third-party processor handles payment-card or other payment information directly, the collection and processing of that information may also be governed by the processor’s own privacy policy and terms.

2.3. Automatically Collected Information

When you visit the Website, we and our third-party analytics and advertising providers may automatically collect certain technical and usage information, including:

  • Internet Protocol (“IP”) address;

  • Browser type, operating system, device type, and technical identifiers;

  • Date and time of access;

  • Pages viewed, navigation activity, and interactions with the Website;

  • Referring and exit URLs, including information about the website or advertisement that directed you to us;

  • Approximate geographic information inferred from technical data;

  • Cookie identifiers and similar online identifiers; and

  • Information relating to interactions with advertisements, where applicable.

The information collected depends on your browser, device, privacy settings, and the technologies enabled on the Website.

2.4. Information Collected Through Separate Lead-Generation Landing Pages

Agent Advantage conducts lead-generation activities through separate advertising campaigns and landing-page domains. The main Website does not directly collect consumer insurance lead-form submissions.

When a consumer submits information through one of those separate landing pages, the information collected may include contact details, date of birth, address, weight, requested insurance coverage, other form responses, and records relating to applicable consent selections or form submissions.

The information collected, the purposes for which it is used, and the parties to whom it is disclosed should be described in the privacy notice and consent disclosures presented on the applicable landing page. This Website Privacy Policy is not a substitute for those disclosures.

3. Sources of Information

Depending on the circumstances, information may be obtained from the following sources:

a. Directly from you when you contact us or voluntarily provide information;

b. Automatically through your use of the Website, including cookies, analytics tools, advertising tags, server logs, and similar technologies;

c. From service providers that support website operations, communications, payment processing, analytics, advertising, security, or customer support;

d. From business communications and transactions involving Agent Advantage; and

e. From separate lead-generation campaigns or landing-page systems, where applicable, in accordance with the notices and disclosures governing those activities.

4. How We Use Information

Subject to applicable law, we may use information for the following purposes:

4.1. Website Operations and Administration

To operate, maintain, secure, troubleshoot, and administer the Website and its functionality.

4.2. Business Communications and Customer Support

To respond to inquiries, communicate with customers and prospective customers, provide support, administer business relationships, and send service-related or transactional communications.

4.3. Orders and Transactions

To process and administer orders, maintain transaction records, coordinate fulfillment, respond to billing inquiries, and address disputes or suspected fraudulent activity.

4.4. Analytics and Website Improvement

To understand Website traffic and usage, evaluate the performance of Website content, identify technical issues, measure engagement, and improve our services and online experience.

4.5. Advertising and Remarketing

To measure advertising performance, understand interactions with our advertising, create or maintain audiences where permitted, and display advertisements to individuals who previously visited the Website.

4.6. Marketing Communications

To send promotional emails and other marketing communications where permitted by law and consistent with applicable preferences and consent requirements.

4.7. Security and Fraud Prevention

To detect, investigate, prevent, and respond to fraud, unauthorized activity, abuse, security incidents, and other activities that may harm Agent Advantage, its customers, or others.

4.8. Legal and Regulatory Compliance

To comply with applicable laws, regulations, legal processes, and lawful governmental requests; enforce agreements; establish or defend legal claims; and protect our rights and legitimate business interests.

5. Cookies, Analytics, and Advertising Technologies

5.1. Cookies and Similar Technologies

The Website may use cookies, pixels, tags, scripts, and similar technologies to support essential Website functions, understand usage, measure advertising performance, and support remarketing.

Cookies are small data files stored by a website or service on your device. Some are associated with Website functionality, while others may be used by third parties for analytics, advertising measurement, or audience-related purposes.

You may be able to manage cookies through your browser settings or through any cookie preference tool made available on the Website. Blocking or deleting certain cookies may affect the functionality of some Website features.

Where applicable law requires consent before non-essential cookies or similar technologies are used, we will seek to obtain the required consent through an appropriate mechanism.

5.2. Google Analytics

We use Google Analytics, a web analytics service provided by Google, to help us understand Website traffic and usage.

Google Analytics may collect information such as IP-related technical information, device and browser information, page views, interactions, referral information, and online identifiers, depending on our configuration and your settings. We use the resulting information to analyze Website performance, understand visitor behavior, and improve our online services.

Where Google Analytics advertising features are enabled, information may also be processed through Google advertising cookies or identifiers to support advertising-related functions, subject to applicable settings and policies.

Google’s use of information collected through websites that use its services is described at:

Google Privacy Policy:
https://policies.google.com/privacy

Google’s information about data collected through partner websites and apps is available at:

https://policies.google.com/technologies/partner-sites

You may also use Google’s Analytics opt-out browser add-on, available at:

https://tools.google.com/dlpage/gaoptout

The effectiveness of any opt-out mechanism may depend on your browser, device, settings, and the specific technology involved.

5.3. Google Ads and Remarketing

We use Google Ads and associated remarketing technologies to measure advertising effectiveness and, where enabled, display advertisements to individuals who have previously visited the Website.

These technologies may use cookies, online identifiers, Website interaction information, and related technical data to recognize a browser or device, measure ad interactions, and support advertising audience functions.

Google’s advertising practices and available controls are described at:

Google Advertising Privacy Information:
https://policies.google.com/technologies/ads

Google Ads Settings:
https://adssettings.google.com/

You may use Google’s available advertising controls to manage personalized advertising preferences. Disabling personalized advertising does not necessarily prevent all advertisements from being displayed, and it may not disable every form of measurement or tracking.

5.4. Third-Party Technologies

Third-party analytics and advertising providers may collect information directly through their technologies when those technologies are active on the Website. Their handling of information is governed by their own policies and settings, in addition to any obligations applicable to Agent Advantage.

We do not control all aspects of third-party data collection or processing. We configure and use third-party services subject to the settings, agreements, and legal requirements applicable to those services.

6. Email Communications and Marketing

We may use the contact information you provide to communicate with you regarding inquiries, orders, service updates, account matters, customer support, and other business-related purposes.

Where permitted by law, we may also send promotional emails, newsletters, and other marketing communications.

You may opt out of promotional emails by following the unsubscribe instructions included in the applicable message or by contacting us using the information in Section 13. Opting out of promotional communications does not necessarily prevent us from sending non-promotional messages reasonably necessary to administer an existing transaction, respond to a request, or comply with legal obligations.

Email Service Provider

We use SendGrid, a service provided by Twilio Inc., to support certain email delivery and communications activities. In connection with these activities, relevant information may be processed by SendGrid as necessary to deliver messages, maintain service functionality, and support related operations.

For additional information, please review Twilio’s Privacy Notice:

https://www.twilio.com/en-us/legal/privacy

7. How We Disclose Information

We may disclose information to the following categories of recipients, as appropriate to the circumstances and subject to applicable law.

7.1. Service Providers and Contractors

We may disclose information to service providers and contractors that perform services on our behalf, including website hosting, analytics, advertising, email delivery, payment processing, information security, technical support, and business administration.

Such providers may process information as necessary to perform their services, subject to applicable contractual obligations and legal requirements.

7.2. Analytics and Advertising Providers

We may permit Google and other applicable analytics or advertising providers to collect information through technologies integrated into the Website for analytics, advertising measurement, and remarketing purposes, as described in Section 5.

Certain disclosures or advertising-related processing may qualify as “sharing,” “selling,” or processing for “targeted advertising” under particular privacy laws, even where no money is exchanged directly for the information. Where applicable law provides a right to opt out of such activities, we will honor that right through an appropriate mechanism.

7.3. Business Transactions

Information may be disclosed in connection with a proposed or completed merger, acquisition, financing, restructuring, sale of assets, or other corporate transaction involving all or part of our business, subject to applicable confidentiality and legal requirements.

7.4. Legal Compliance and Protection

We may disclose information when we reasonably believe disclosure is necessary to comply with applicable law, legal process, or lawful governmental requests; investigate fraud or security incidents; enforce our agreements; protect our rights or property; or protect the safety, rights, or property of others.

7.5. Separate Lead-Generation Operations

Consumer information submitted through separate lead-generation landing pages may be disclosed to the purchasing insurance agent, broker, agency, or other recipient identified in the applicable landing-page disclosures and consent terms.

The collection and disclosure of such consumer information are governed by the applicable landing-page privacy notices, consent disclosures, and other applicable terms. The main Website does not itself collect consumer insurance lead submissions through its own forms.

7.6. No General Public Disclosure

We do not publish personal information provided through ordinary Website inquiries for public viewing. We disclose information to the categories of recipients and for the purposes described in this Policy, subject to applicable law and any additional notice or consent that may be required.

8. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, including operating the Website, responding to inquiries, administering customer relationships and transactions, maintaining appropriate business records, protecting against fraud, resolving disputes, and complying with legal obligations.

The applicable retention period may vary depending on the nature of the information, the purpose for which it was collected, the sensitivity of the information, operational requirements, and applicable legal or regulatory obligations.

When information is no longer reasonably necessary for the relevant purposes, we will take steps to delete, de-identify, or otherwise dispose of it, subject to applicable law, legitimate recordkeeping needs, and technical limitations.

9. Data Security

We maintain reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, use, alteration, disclosure, and destruction.

The safeguards appropriate to a particular category of information may depend on the nature of the information, the systems through which it is processed, and the risks associated with its use.

No method of electronic transmission, internet communication, or information storage can be guaranteed to be completely secure. Accordingly, although we take reasonable measures to protect information, we cannot guarantee absolute security.

You are responsible for taking reasonable precautions when communicating with us electronically and for protecting the security of your own accounts, devices, and communications.

10. Privacy Rights and Choices

Depending on your place of residence, the nature of the information involved, and the applicability of relevant privacy laws, you may have certain rights regarding your personal information.

These rights may include, where applicable:

  • Requesting access to or a copy of certain personal information;

  • Requesting correction of inaccurate personal information;

  • Requesting deletion of certain personal information;

  • Obtaining information about certain categories of information collected, used, or disclosed;

  • Opting out of certain sales, sharing, targeted advertising, or profiling activities where those rights apply;

  • Withdrawing consent where processing is based on consent; and

  • Appealing certain decisions concerning a privacy request, where required by law.

These rights are not absolute and may be subject to verification requirements, exceptions, and limitations under applicable law.

10.1. Submitting a Privacy Request

To submit a privacy-related request, contact us at the email address identified in Section 13. Please identify the nature of your request and provide sufficient information for us to understand and evaluate it.

We may need to verify your identity or authority before processing a request. We may also request additional information where reasonably necessary to authenticate the request, protect information against unauthorized disclosure, or comply with applicable law.

We will respond within the period required by applicable law. If a request cannot be fulfilled in whole or in part, we may explain the applicable reason to the extent required by law.

10.2. Opting Out of Advertising-Related Processing

You may manage certain advertising preferences through Google’s available controls, including:

https://adssettings.google.com/

You may also use available browser settings and cookie preference tools to restrict certain tracking technologies. These controls may not affect all processing activities, and their effectiveness may vary by device, browser, and service.

Where applicable privacy law provides an opt-out right concerning the sale or sharing of personal information or targeted advertising, you may contact us using the details in Section 13 to exercise that right. We will process qualifying requests in accordance with the law that applies.

Where legally required, we will recognize supported opt-out preference signals or other legally recognized mechanisms.

10.3. No Discrimination for Exercising Privacy Rights

We will not unlawfully discriminate against an individual for exercising a privacy right protected by applicable law.

11. Children’s Privacy

The Website is intended for business and general audiences and is not directed to children under thirteen (13) years of age. We do not knowingly collect personal information directly through the Website from children under thirteen (13).

If we become aware that personal information has been collected directly through the Website from a child under thirteen without any legally required authorization, we will take appropriate steps to address the information in accordance with applicable law.

If you believe that a child has provided personal information through the Website, please contact us using the information in Section 13.

12. Third-Party Websites and Services

The Website may contain links to websites, platforms, or services operated by third parties. Those third parties may maintain their own privacy policies and information practices.

We are not responsible for the privacy, security, or data-handling practices of third-party websites or services that we do not operate. Visiting or interacting with a third-party website is subject to that party’s applicable terms and privacy notices.

We encourage you to review the relevant privacy policy before submitting information to any third-party website or service.

13. Contact Information

If you have questions about this Privacy Policy or wish to submit a privacy-related request, please contact us at:

Agent Advantage Systems
Legal@AgentAdvantage.io
AgentAdvantage.io

Please include “Privacy Request” in the subject line when submitting a request concerning your personal information.

14. Changes to This Privacy Policy

We may revise this Privacy Policy from time to time to reflect changes in our business practices, technologies, legal obligations, or other operational requirements.

When changes are made, we will post the revised Policy on this page and update the Effective Date above. Where applicable law requires additional notice or consent for a material change in our information practices, we will provide such notice or obtain such consent as required.

We encourage you to review this Policy periodically to remain informed about our information practices.