1. Personal Information We Collect
In the course of providing our final expense insurance lead generation and comparison service, EnrollSmartNow, LLC collects the following categories of personal information from California residents:
| CCPA Category | Specific Information Collected | Collected? |
|---|---|---|
| A. Identifiers | Name, email address, phone number, IP address, mailing address, date of birth | ✅ Yes |
| B. Personal Records (§ 1798.80) | Name, address, age/date of birth, gender | ✅ Yes |
| C. Protected Classification Characteristics | Age and gender (collected for insurance underwriting matching only) | ✅ Yes |
| D. Commercial Information | Coverage amount interest, insurance type preference, current insurance status | ✅ Yes |
| E. Internet/Electronic Network Activity | Pages visited on our site, time on site, clicks, form interactions, browser/device type | ✅ Yes |
| F. Geolocation Data | City and state level only (derived from IP address or entered state field) — not precise GPS location | ✅ Yes (city/state only) |
| G. Health / Medical Information | Tobacco/nicotine use, general health status answers (for insurance matching only) | ✅ Yes (limited) |
| H. Inferences | Profile of insurance interest and coverage needs drawn from submitted information | ✅ Yes |
| Financial Information | Bank accounts, credit/debit card numbers, financial account numbers | ❌ Not collected |
| Biometric Information | Fingerprints, facial recognition, voice prints | ❌ Not collected |
| Precise Geolocation | GPS coordinates, real-time location tracking | ❌ Not collected |
| Government ID Numbers | Social Security Number, driver's license number, passport number | ❌ Not collected |
| Driving/Claims History | Prior accidents, vehicle claims, VIN numbers, vehicle information | ❌ Not collected (we are not an auto insurance service) |
2. Sources of Personal Information
We collect personal information from the following sources:
- Directly from you — when you complete a form on our website, call our number, or otherwise contact us
- Automatically from your device — through cookies, pixels, and web analytics when you visit our sites
- From co-registration marketing partners — authorized lead partners listed on our Marketing Partners page who may refer leads to us with appropriate consent
- From publicly available sources — such as public address directories
- From analytics and advertising providers — for site performance and traffic analysis
3. Purposes for Collecting Personal Information
We collect and use personal information for the following business and commercial purposes:
- To match you with licensed insurance agents and carriers for final expense life insurance
- To verify identity and phone subscriber status for TCPA compliance
- To contact you via phone, text, or email based on your consent selections
- To document and maintain TCPA consent records as required by 47 U.S.C. § 227
- To analyze website traffic and improve our user experience
- To detect and prevent fraud and unauthorized submissions
- To comply with applicable state insurance solicitation laws and regulations
- To respond to your inquiries and support requests
- To conduct marketing analytics and measure advertising effectiveness
4. Sharing & Sale of Personal Information
Categories Sold or Shared (Past 12 Months)
| Category | Sold? | Shared for CCBA? | Recipients |
|---|---|---|---|
| Identifiers (name, phone, email, address) | Yes* | Yes | Insurance agents and carriers on our Partners list |
| Internet/Electronic Network Activity | No | Yes | Analytics providers, advertising platforms |
| Geolocation (city/state only) | No | Yes | Analytics providers |
| Health Information | No | No | Only to insurance agents for coverage matching |
| Inferences | No | Yes | Marketing analytics providers |
* "Sale" under CCPA includes sharing for valuable consideration. Sharing consumer contact information with insurance agents who may be compensated per lead may constitute a "sale" under CCPA. We disclose this accordingly.
To opt out of the sale or sharing of your personal information, visit: enrollsmartnow.com/do-not-sell or email [email protected].
5. Your California Privacy Rights
As a California resident, you have the following rights under CCPA/CPRA:
📋 Right to Know
Request disclosure of the categories and specific pieces of personal information we have collected, used, and shared about you.
📥 Right to Access
Request a portable copy of the specific personal information we have collected about you in the past 12 months.
🗑️ Right to Deletion
Request that we delete your personal information, subject to certain legal exceptions (e.g., TCPA compliance records we must retain).
✏️ Right to Correction
Request that we correct inaccurate personal information we hold about you.
🚫 Right to Opt Out of Sale/Sharing
Opt out of the sale of your personal information and sharing for cross-context behavioral advertising. Visit Do Not Sell page.
🔒 Right to Limit Sensitive Info
Limit our use of sensitive personal information (such as health status) to only what is necessary to provide our service.
⚖️ Right to Non-Discrimination
We will not deny service, charge different prices, or provide different quality of service for exercising any CCPA right.
👤 Authorized Agent
You may designate an authorized agent to submit requests on your behalf with written permission or power of attorney.
6. How to Submit a Privacy Request
California residents may submit a verifiable consumer request using any of the following methods:
- 📧 Email: [email protected]
- 📞 Phone: (913) 942-0957
- 📝 Online form below
Submit a CCPA Privacy Request
Response Timeframes
- Acknowledgment: Within 10 business days of receipt
- Substantive response: Within 45 days of receipt
- Extension: We may extend by an additional 45 days with notice if reasonably necessary
- Opt-Out requests: Honored within 15 business days
7. Non-Discrimination
EnrollSmartNow, LLC will not discriminate against you for exercising any of your CCPA/CPRA rights. We will not:
- Deny you access to our services
- Charge different prices or rates
- Provide a different level or quality of service
- Suggest that you will receive a different price, rate, or level of service
because you exercised any right under this Notice or the CCPA/CPRA.
8. Sensitive Personal Information
Under the CPRA, certain categories of information are classified as "sensitive personal information" which carries additional protections. We collect the following sensitive personal information:
- Health Information: General health status answers and tobacco/nicotine use, collected solely to match you with appropriate insurance coverage and shared only with licensed insurance agents for that purpose
You have the right to limit our use of this sensitive information to only what is necessary to provide the insurance comparison service you requested.
9. Data Retention
We retain personal information for the following periods:
- TCPA consent records: Minimum 5 years (FCC regulatory requirement)
- Contact and lead information: Up to 3 years from last interaction
- Website analytics data: Up to 24 months
- Opt-out/DNC records: Indefinitely (to prevent re-contact)
After applicable retention periods, information is securely deleted or anonymized.
10. Contact Us
California Privacy Requests
📧 Privacy Requests: [email protected]
📧 Opt-Out / Do Not Sell: [email protected]
📞 Phone: (913) 942-0957 — Mon–Fri, 8AM–8PM ET
📍 EnrollSmartNow, LLC — Attn: California Privacy Officer
238 S Main St, Salisbury, NC 28144
Authorized agents: Must provide written authorization signed by the California resident, or valid power of attorney. Contact us for authorized agent procedures.
California Residents Privacy Notice — EnrollSmartNow, LLC · Effective: June 8, 2025 · Last Revised: January 2026 · Governing: Cal. Civil Code § 1798.100 et seq. (CCPA/CPRA)