Privacy Policy

1. Introduction

ClearChoicePartner ("we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at clearchoicepartner.com, use our platform, or engage with any of our services. By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described herein, please discontinue use of our services immediately.

2. Information We Collect

(a) Personal Information You Provide

When you create an account, fill out forms, or interact with our services, we may collect the following information directly from you:

• Full name and contact details (email address, phone number)
• Business name and business contact information
• Insurance license information and professional credentials
• Payment and billing information (credit card details, billing address)
• Account login credentials
• Any other information you voluntarily provide through forms, correspondence, or customer support interactions

(b) Information Collected Automatically

When you access our website or services, we automatically collect certain technical and usage information, including:

• IP address and approximate geographic location
• Browser type, version, and language preferences
• Device type, operating system, and screen resolution
• Pages visited, time spent on pages, and navigation paths
• Referral source (e.g., search engine, partner link, direct visit)
• Cookies, pixel tags, and similar tracking technologies

(c) Information From Third Parties

We may also receive information about you from third-party sources, including:

• Lead data provided by marketing partners and lead generation networks
• Identity verification and fraud prevention services
• Analytics providers that help us understand website traffic and user behavior
• Publicly available business registries and licensing databases

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide, operate, and maintain our services and platform
• Process transactions, billing, and payments
• Deliver leads and connect agents with prospective customers
• Communicate with you about your account, orders, and service updates
• Send promotional and marketing communications (with your consent, where required)
• Analyze usage patterns and trends to improve our platform and user experience
• Develop new features, products, and services
• Detect, prevent, and address fraud, abuse, and security issues
• Comply with applicable laws, regulations, and legal obligations
• Enforce our terms of service and other agreements
• Respond to your inquiries and provide customer support

4. How We Share Information

We may share your information in the following circumstances:

• Service Providers: We share information with trusted third-party service providers who assist us in operating our platform, including payment processors, cloud hosting providers, email delivery services, and analytics platforms. These providers are contractually obligated to protect your data and may only use it for the purposes we specify.
• Business Partners: When necessary to deliver our services, we may share relevant information with business partners, such as insurance carriers or lead buyers, in accordance with your expectations and our agreements.
• Legal Obligations: We may disclose your information if required to do so by law, regulation, court order, or governmental request, 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, asset sale, or bankruptcy, your information may be transferred as part of the transaction. We will notify you of any such change in ownership or control of your personal information.
• With Your Consent: We may share your information in other circumstances with your explicit consent.

We do not sell your personal information to third parties for their own marketing purposes.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our services. After account termination or upon your request, we will retain your information for specific periods based on the type of data:

• Active account data: Retained for the duration of your account plus 3 years after termination
• Billing and financial records: 7 years, as required by applicable tax and financial regulations
• Audit logs and compliance records: 5 years from the date of creation
• Lead transaction records: 7 years for regulatory compliance
• Marketing communications preferences: Retained until you update them or request deletion

When your information is no longer needed for any of these purposes, we will securely delete or anonymize it. You may request deletion of your personal information at any time by contacting us at [email protected], subject to any legal retention requirements.

6. Data Security

We take the security of your personal information seriously and implement industry-standard technical and organizational measures to protect it, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Role-based access controls and the principle of least privilege
• Regular security assessments, vulnerability scanning, and penetration testing
• Employee security awareness training and confidentiality agreements
• Secure infrastructure hosted in reputable cloud environments with continuous monitoring

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to promptly addressing any security incidents and notifying affected users as required by applicable law.

7. Your Privacy Rights

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

• Right to Access: Request a copy of the personal information we hold about you.
• Right to Correction: Request that we correct any inaccurate or incomplete personal information.
• Right to Deletion: Request that we delete your personal information, subject to certain legal exceptions.
• Right to Data Portability: Request a copy of your data in a structured, commonly used, and machine-readable format.
• Right to Opt Out of Marketing: Unsubscribe from marketing communications at any time using the unsubscribe link in our emails or by contacting us directly.
• Right to Restrict Processing: Request that we limit how we use your personal information under certain circumstances.

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days or as required by applicable law. We may need to verify your identity before processing your request.

8. California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you additional rights regarding your personal information:

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purposes for collection, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions permitted by law.
• Right to Opt-Out of Sale: We do not sell your personal information as defined by the CCPA. If this practice ever changes, we will provide you with a clear opt-out mechanism.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights. You will not receive different pricing, quality of service, or access based on exercising your privacy rights.

To submit a CCPA request, please email us at [email protected] with the subject line "CCPA Request." We will verify your identity and respond within 45 days as required by law.

Categories of Personal Information Collected

Authorized Agent Requests

You may designate an authorized agent to submit a CCPA request on your behalf. The authorized agent must provide proof of authorization (such as a power of attorney or written permission signed by you). We may also require you to verify your identity directly with us before processing the request.

Verification Process

When you submit a request, we will verify your identity by matching information you provide with information we have on file. For account holders, we will verify through your account credentials. For non-account holders, we may require additional information to confirm your identity.

Texas Privacy Rights (TDPSA)

If you are a Texas resident, the Texas Data Privacy and Security Act (TDPSA) provides you with certain rights regarding your personal data:

• Right to Access: Confirm whether we are processing your personal data and access that data.
• Right to Delete: Request deletion of personal data you have provided to us or that we have obtained about you.
• Right to Correct: Request correction of inaccurate personal data.
• Right to Data Portability: Obtain a copy of your personal data in a portable and readily usable format.
• Right to Opt Out: Opt out of the processing of your personal data for targeted advertising, the sale of personal data, or profiling.

To exercise your Texas privacy rights, please email us at [email protected] with the subject line "Texas Privacy Request." We will respond within 45 days.

Other State Privacy Rights

Residents of the following states have similar privacy rights under their respective state laws:

• Virginia (VCDPA): Access, correct, delete, and obtain a copy of personal data; opt out of targeted advertising, sale, and profiling.
• Colorado (CPA): Access, correct, delete, and port personal data; opt out of targeted advertising, sale, and profiling.
• Connecticut (CTDPA): Access, correct, delete, and obtain personal data; opt out of sale, targeted advertising, and profiling.

To exercise rights under any state privacy law, please email [email protected] with your state of residence and the nature of your request.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. The types of cookies we use include:

• Essential Cookies: Required for core website functionality such as authentication, security, and session management. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our website by collecting information about pages visited, time on site, and navigation patterns. We use third-party analytics services, including Google Analytics, to gather this data.
• Functional Cookies: Enable enhanced features and personalization, such as remembering your preferences, language settings, and login status.

You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies; however, doing so may affect the functionality of certain parts of our website. For more information about how Google Analytics collects and processes data, please visit Google's privacy policy.

10. Third-Party Links

Our website and services may contain links to third-party websites, applications, or services that are not operated or controlled by ClearChoicePartner. This Privacy Policy does not apply to those third-party sites, and we are not responsible for their privacy practices, content, or data handling procedures. We encourage you to review the privacy policies of any third-party websites you visit before providing them with any personal information. The inclusion of a link on our site does not imply endorsement of the linked website or its practices.

11. Children's Privacy

Our services are not directed at individuals under the age of 18, and we do not knowingly collect personal information from children. If you are a parent or guardian and believe that your child has provided us with personal information without your consent, please contact us immediately at [email protected]. If we become aware that we have inadvertently collected personal information from a child under 18, we will take prompt steps to delete that information from our records.

12. International Data Transfers

Your personal information is processed and stored in the United States. If you are accessing our services 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 jurisdiction. By using our services, you consent to the transfer of your information to the United States. We take appropriate safeguards to ensure that your personal information remains protected in accordance with this Privacy Policy, regardless of where it is processed.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will notify you by email (sent to the email address associated with your account) or by posting a prominent notice on our website prior to the change becoming effective. We will also update the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated terms.

14. Contact Us

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

Email: [email protected]