Privacy Policy

1. Who We Are and What We Do

Homeowners Protection Center is a consumer-facing marketing platform operated by Insurance Lead Company LLC, a lead generation and marketing services company. Our role is to provide educational information about mortgage protection insurance and to connect interested consumers with licensed insurance professionals who can answer their questions and offer guidance.

When you submit your information through this website, you are not purchasing insurance, applying for coverage, or entering into any agreement with us. You are simply indicating interest in learning more, and we may use that information to facilitate a connection with one or more licensed insurance agents or agencies.

Insurance Lead Company LLC and Homeowners Protection Center are not affiliated with any specific insurance carrier. We operate independently and may work with multiple agent partners across various states.

2. Information We Collect

We collect information in two ways: information you voluntarily provide to us, and information collected automatically when you visit this website.

Information You Provide

When you submit a form or request to be connected with a licensed professional, we may collect the following:

• First and last name
• Email address
• Phone number (including mobile)
• Mailing address or ZIP code
• Homeownership status, mortgage status, or other relevant details you choose to share
• Any other information you voluntarily include in a form or message

Information Collected Automatically

When you browse this website, we and our third-party service providers may automatically collect certain technical information, including:

• IP address and approximate geographic location
• Browser type, version, and device information
• Pages visited and time spent on the site
• Referring URLs and traffic source data
• Cookie identifiers and advertising pixel data

This automatically collected data does not directly identify you, but may be combined with other information we hold. See Section 6 for more details on cookies and tracking.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To connect you with one or more independent, licensed insurance agents or agencies who may be able to assist you with mortgage protection insurance
• To respond to your inquiries or requests for information
• To send follow-up communications related to your inquiry, including by phone, text message, or email, where you have provided consent
• To operate, maintain, and improve this website and our services
• To measure the performance of our marketing and advertising campaigns
• To comply with applicable laws, regulations, and legal obligations
• To detect and prevent fraudulent activity or misuse of this platform

We do not use your information to make automated decisions about your insurance eligibility, pricing, or coverage. Those determinations are made solely by licensed agents or carriers based on their own underwriting guidelines.

4. Consent to Be Contacted — TCPA Notice

By submitting your information through this website, you understand and agree that Homeowners Protection Center, Insurance Lead Company LLC, and/or one or more of their licensed insurance agent partners may contact you regarding mortgage protection insurance and related products or services. This contact may occur via:

• Telephone calls, including calls to a mobile phone number
• Text messages (SMS or MMS)
• Email
• Automated dialing systems or prerecorded voice messages, where permitted by law

Please note that agents or agencies you are connected with may operate independently and may have their own communication practices. To opt out of communications from a specific agent or agency, please contact them directly or follow the opt-out instructions they provide.

5. How We Share Your Information

Homeowners Protection Center and Insurance Lead Company LLC may share your personal information in the following ways:

Licensed Insurance Agents and Agencies

When you submit a request for information or a connection through this website, your information may be shared with one or more independent, licensed insurance agents, agencies, or marketing partners who specialize in mortgage protection insurance and related products. These are not agents or employees of Insurance Lead Company LLC. They are independent professionals who operate under their own business entities and are governed by their own data practices and privacy policies.

Your information may be shared with multiple agent partners, not just a single provider. Each partner who receives your information may follow up with you independently regarding insurance-related products or services.

Service Providers and Technology Partners

We may share information with third-party vendors and service providers who assist us in operating this website, managing our platform, processing data, or running our advertising campaigns. These providers are contractually required to use your information only as directed by us and to maintain appropriate security measures.

Advertising and Analytics Partners

We may share or make available certain information with advertising platforms such as Meta (Facebook) and Google for the purposes of running targeted advertising campaigns, measuring ad performance, and building audience segments. This may involve the use of pixel tracking, hashed data, or similar technologies. See Section 6 for more detail.

Legal Requirements

We may disclose your information when required to do so by law, court order, or regulatory authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

If Insurance Lead Company LLC is involved in a merger, acquisition, asset sale, or similar business transaction, your personal information may be transferred as part of that transaction. We will notify you if your information becomes subject to a materially different privacy policy.

We do not sell your personal information to unrelated third parties for purposes having nothing to do with insurance or the services described on this site. However, sharing information with agent partners as described above may constitute a "sale" or "sharing" under certain state privacy laws. See Section 10 for California-specific rights.

6. Cookies, Tracking Technologies, and Advertising

This website uses cookies and similar tracking technologies to collect information about how visitors use the site and to support our advertising and marketing efforts. Specifically, we may use:

• Session and persistent cookies: Small text files stored on your device that help us recognize your browser across visits and remember certain preferences or session data.
• Meta (Facebook) Pixel: A tracking code provided by Meta Platforms, Inc. that allows us to measure the effectiveness of our advertising on Facebook and Instagram, build custom and lookalike audiences, and optimize ad delivery to users who may be interested in our resource.
• Google Analytics and Google Ads tags: Tools that collect data about site traffic, user behavior, and ad conversions to help us understand how visitors interact with our content and measure campaign performance.
• Remarketing pixels: Tracking codes that allow us or our advertising partners to show relevant ads to users who have previously visited this website on other platforms or websites.
• Other analytics tools: Third-party services that may collect anonymized or aggregated data to help us improve the site's functionality and user experience.

Information collected through cookies and pixels may include your IP address, browser type, device type, and your behavior on this site. This data may be shared with the platforms named above under their own privacy terms.

You can manage or disable cookies through your browser settings at any time. Note that opting out of cookies does not opt you out of receiving communications if you have already submitted your contact information.

7. Data Retention

We retain personal information for as long as is reasonably necessary to fulfill the purposes described in this policy, to comply with applicable laws and regulations, to resolve disputes, and to enforce our agreements. Once information is no longer needed for these purposes, we take reasonable steps to delete or de-identify it.

If you request that we delete your information, we will make reasonable efforts to honor that request in a timely manner, subject to any legal obligations that may require us to retain certain records.

8. Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include encryption of data in transit, access controls, and regular review of our data handling practices.

However, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of your information, and you provide it at your own risk. If you believe your information has been compromised, please contact us immediately at [email protected].

9. Your Rights and Choices

Regardless of where you live, you have certain rights regarding your personal information. You may:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct any inaccurate or incomplete information.
• Deletion: Request that we delete your personal information, subject to applicable legal retention requirements.
• Opt-Out of Communications: Request that we stop contacting you via phone, text, or email at any time.
• Withdraw Consent: Where you have provided consent for a specific use of your data, you may withdraw that consent at any time, though this will not affect any processing that occurred before your withdrawal.

How to Opt Out of Text Messages: Reply STOP to any text message you receive from us or from an agent partner.

How to Opt Out of Emails: Click the unsubscribe link in any email, or contact us directly.

How to Submit Any Other Request: Email us at [email protected] with your full name and the nature of your request. We will respond within a reasonable timeframe and in accordance with applicable law.

Please note that we can only control communications and data practices on our end. If you have been connected with an independent agent or agency, you will need to contact that party directly to opt out of their communications.

10. California Privacy Rights (CCPA / CPRA)

If you are a resident of California, you have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). These rights include:

• 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 from which it was collected, the business or commercial purpose for collecting it, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Correct: You have the right to request that we correct inaccurate personal information we hold about you.
• Right to Opt Out of Sale or Sharing: California law defines "selling" and "sharing" personal information broadly. The sharing of your information with independent insurance agent partners for marketing follow-up may constitute a "sale" or "sharing" of personal information under California law. You have the right to opt out of this at any time.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your California privacy rights.

To submit any California privacy rights request, you may contact us at [email protected]. We will verify your identity before processing your request and will respond within 45 days as required by law.

11. No Insurance Advice or Guarantees

Homeowners Protection Center and Insurance Lead Company LLC do not provide insurance advice, financial advice, or legal advice of any kind. Nothing on this website should be construed as a recommendation, endorsement, or guarantee of any specific insurance product, carrier, coverage level, or premium rate.

We do not guarantee that you will be eligible for any insurance product, that you will receive a quote, or that any agent will be able to assist you. All coverage decisions, eligibility determinations, pricing, and policy terms are made solely by the independent licensed agents or carriers you are connected with, based on their own underwriting criteria and state regulations.

Insurance Lead Company LLC and Homeowners Protection Center are not liable for the actions, representations, communications, or services of any independent agent, agency, or carrier you may be connected with through this platform.

12. Children's Privacy

This website is intended for use by adults only and is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from someone under 18, we will delete it promptly. If you believe a minor has submitted information through this site, please contact us at [email protected].

13. Third-Party Links and Websites

This website may contain links to external websites for reference or informational purposes. We are not responsible for the content, privacy practices, or data handling of any third-party websites. We encourage you to review the privacy policies of any website you visit through a link on this site.

14. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, legal requirements, or data handling procedures. When we make material changes, we will update the effective date at the top of this page. We encourage you to review this policy periodically. Continued use of this website after a policy update constitutes your acknowledgment of the revised terms.

15. How to Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us at:

• Business Name: Homeowners Protection Center, operated by Insurance Lead Company LLC
• Email: [email protected]

We are committed to responding to all privacy-related inquiries in a timely and transparent manner.