Privacy Policy

1. Who We Are

EnrollSmartNow, LLC ("Company," "we," "us," or "our") is a licensed insurance marketing organization (IMO) and lead generation service operating at enrollsmartnow.com and fe.enrollsmartnow.com. We are not an insurance carrier, underwriter, or claims administrator.

We connect consumers who are interested in final expense and life insurance with state-licensed insurance agents and carriers. We are compensated by insurance carriers and agents when a policy is issued — not by consumers.

Physical Address: 238 S Main St, Salisbury, NC 28144
Email: [email protected]
Phone: (913) 942-0957

2. Information We Collect

We collect the following categories of personal information:

A. Identifiers & Contact Information

• Full name (first, middle, last)
• Telephone number (mobile, home)
• Email address
• Mailing address (street, city, state, ZIP)
• Date of birth / age
• Gender

B. Insurance-Related Information

• Desired coverage amount
• Marital status
• Height and weight (for underwriting purposes)
• Whether currently insured
• Type of insurance interested in

C. Limited Health Information

• Tobacco/nicotine use status
• General health status (e.g., responses to health qualification questions)

D. Technical / Automatically Collected Data

• IP address and approximate geographic location (city/state level)
• Browser type and version
• Device type and operating system
• Pages visited and time spent
• Referring URL / traffic source
• Session and interaction data
• Cookie identifiers and similar tracking identifiers

Vehicle Information (Auto Insurance)

For auto insurance requests: vehicle year, make, model, and intended use. Used solely to obtain insurance quotes from licensed auto insurance agents. Not used for any other purpose or sold separately.

Medicare-Specific Information

For Medicare requests: Medicare eligibility status, enrollment period, date of birth, and plan interests. Collected to connect you with CMS-compliant licensed Medicare insurance agents. Medicare-related calls are recorded 100% as required by CMS Medicare Marketing Guidelines Chapter 3.

• Directly from you — forms, phone calls, emails, or chat on our websites
• Automatically — cookies, web beacons, pixels, server logs when you visit our sites
• From marketing partners and data providers — we may receive lead information from authorized co-registration partners listed on our Marketing Partners page
• From public records — publicly available information such as address data
• From third-party analytics providers — site analytics and traffic data

4. How We Use Your Information

We use your personal information for the following purposes:

• To connect you with licensed insurance agents — the primary purpose of our service
• To verify identity and subscriber confirmation — per TCPA requirements
• To communicate with you — via phone, text, or email based on your consent choices
• To improve our services — analyzing how our website is used
• For legal and compliance purposes — retaining TCPA consent records, complying with state insurance solicitation laws
• To prevent fraud — detecting and preventing fraudulent submissions
• For marketing analytics — understanding which marketing channels bring users to us

5. How We Share Your Information

A. With Licensed Insurance Agents & Carriers

We share your information with state-licensed insurance agents and insurance carriers who are listed on our Marketing Partners page to connect you with insurance quotes and coverage options. These are the parties who will contact you based on your consent.

B. With Service Providers

We share information with vendors who perform services on our behalf, such as:

• CRM and lead management systems
• Website analytics providers (e.g., Google Analytics)
• TrustedForm and similar TCPA compliance documentation services
• Email service providers (for opt-in email communications)
• Fraud prevention and identity verification services

These service providers are contractually prohibited from using your information for any purpose other than providing services to us.

Jornaya (LeadiD) — Consent Documentation

We use Jornaya LeadiD (Verisk Analytics) to document consumer consent events. When you interact with a form on our website, Jornaya's script generates a unique LeadiD token capturing the session fingerprint, timestamp, and consent event. This token is transmitted with your lead record and retained for a minimum of 5 years for TCPA compliance purposes. Jornaya's privacy policy is available at jornaya.com/privacy-policy.

C. For Legal Compliance & Safety

We may disclose your information when required by law, court order, subpoena, or to protect the safety of any person or prevent fraud.

D. Business Transfers

In the event of a merger, acquisition, or sale of substantially all assets, your information may be transferred as part of that transaction. We will notify you via email and/or prominent website notice before your information becomes subject to a different privacy policy.

E. What We Do NOT Do

• We do not sell your information to unaffiliated third parties for their own unrelated marketing
• We do not share your information with political organizations
• We do not share health information beyond what is necessary for insurance matching

6. Cookies & Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to operate and improve our websites. You can manage cookies through your browser settings.

Do Not Track

Our websites do not currently respond to browser Do Not Track (DNT) signals because no universally accepted standard exists. We do honor opt-out requests submitted through our Do Not Sell or Share page and our Do Not Call / Opt-Out page.

Interest-Based Advertising

We and our advertising partners may engage in interest-based advertising. To opt out of interest-based advertising, visit optout.aboutads.info or optout.networkadvertising.org.

7. Your Privacy Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Right to Know — request disclosure of what personal information we have collected about you
• Right to Access — request a copy of your personal information
• Right to Deletion — request deletion of your personal information, subject to certain exceptions
• Right to Correction — request correction of inaccurate personal information
• Right to Opt Out of Sale/Sharing — opt out of the sale or sharing of your personal information (see Section 9)
• Right to Limit Use of Sensitive Information — (California CPRA) limit use of sensitive personal information
• Right to Non-Discrimination — we will not discriminate against you for exercising any privacy right

To exercise any of these rights, contact us at: [email protected] or call (913) 942-0957. We will respond within 45 days (extendable by an additional 45 days with notice per CCPA § 1798.130).

Contact for Privacy Requests

• Opt-Out of Marketing Calls/Texts (TCPA): Do Not Call page or [email protected]
• Do Not Sell My Info (CCPA): Do Not Sell page or [email protected]
• Data Access / Deletion Request: [email protected]
• General Privacy: [email protected]  ·  (913) 942-0957  ·  238 S Main St, Salisbury, NC 28144

8. CCPA / CPRA — California Residents

California residents have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), Cal. Civil Code § 1798.100 et seq.

For a full description of your California rights, please visit our dedicated California Residents Privacy Notice (CCPA).

Categories Sold/Shared in Past 12 Months

We have shared (for cross-context behavioral advertising purposes) the following categories of personal information with our marketing partners: Identifiers, Internet/Network Activity, and Inferences. California residents may opt out of this sharing at enrollsmartnow.com/do-not-sell.

"Shine the Light" (Cal. Civil Code § 1798.83)

California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes during the preceding calendar year. Contact us at [email protected].

9. Do Not Sell or Share My Personal Information

You have the right to opt out of the sale or sharing of your personal information. To exercise this right, visit our dedicated page: enrollsmartnow.com/do-not-sell or email [email protected].

We will process your opt-out request within 15 business days per CCPA requirements.

10. Email Opt-Out (CAN-SPAM Act)

If you have provided your email address and consented to marketing emails, you may opt out of receiving further marketing emails at any time by:

• Clicking the "Unsubscribe" link in any marketing email from us
• Emailing [email protected]

We will process email unsubscribe requests within 10 business days per 15 U.S.C. § 7704. Note: Opting out of marketing emails does not opt you out of telephone/text contact (see Section 11 for telephone/text opt-out).

11. Telephone & Text Opt-Out (TCPA)

You may revoke your TCPA consent and opt out of telephone and text message communications at any time by:

• Replying STOP to any text message from us
• Emailing [email protected]
• Calling (913) 942-0957
• Visiting our Do Not Call / Opt-Out page

We maintain an internal Do Not Call list. Opt-out requests are honored within 30 days per 47 C.F.R. § 64.1200(d)(3).

12. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, subject to legal retention requirements:

• TCPA consent records: Retained for a minimum of 5 years as required by FCC regulations and litigation risk management
• Marketing communications: Retained for up to 3 years after last interaction
• Financial/transaction records: Retained for 7 years per applicable tax and accounting laws
• Deleted/opt-out requests: We maintain opt-out records indefinitely to prevent re-adding you to contact lists

You may request deletion of your personal information at any time (see Section 7). Note that we may retain certain information as required by law, for fraud prevention, or to resolve disputes.

13. Data Security

We implement commercially reasonable technical and organizational security measures designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These include:

• TLS/SSL encryption for all data transmitted between your browser and our servers
• Access controls limiting who can access personal information
• Regular security assessments
• Data minimization practices

In the event of a data breach affecting your rights and freedoms, we will notify you and applicable regulatory authorities as required by applicable law.

14. Children's Privacy (COPPA)

Our websites and services are intended solely for individuals who are 18 years of age or older. We do not knowingly collect personal information from anyone under the age of 18.

If we discover that we have inadvertently collected personal information from a child under 18, we will promptly delete that information. If you believe a child's information has been submitted, please contact us at [email protected] immediately.

15. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we make material changes, we will:

• Update the "Last Revised" date at the top of this page
• Post a notice on our homepage for at least 30 days
• Send an email notification to users who have provided email addresses (for material changes)

Your continued use of our websites after any changes constitutes acceptance of the updated Privacy Policy. We encourage you to review this page periodically.

16. Contact Us