Effective Date: March 11, 2026

NicoQuote (“NicoQuote,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information you provide through NicoQuote.com, Meta/Facebook or Instagram lead forms, phone calls, text messages, email, and other communications.

1. Who We Are

NicoQuote is a lead generation and marketing service that helps connect consumers seeking life insurance and related insurance products with licensed independent insurance agents, agencies, brokers, and insurance providers.

Important: NicoQuote is not an insurance carrier and does not itself underwrite or issue insurance policies.

Contact Information
NicoQuote.com
180 Valley St, #22
Ball Ground, Georgia 30107


2. Information We Collect

We may collect personal information that you voluntarily provide to us, including:

Name

Email address

Mobile or other phone number

State of residence

ZIP code

Age or date of birth, if provided

Coverage preferences and requested coverage amount

Information about your current insurance situation

Information about nicotine use, tobacco use, vaping, or other lifestyle-related underwriting factors

Information related to mortgage protection, final expense, term life, or other coverage interests

Any other information you submit through a website form, Meta instant form, text, email, phone call, voicemail, chat, or other communication

We may also collect certain technical information automatically when you use our website, such as:

IP address

Browser type

Device information

Pages viewed

Dates and times of visits

Referring URLs

Advertising interaction data

Cookie and tracking information

3. How We Collect Information

We collect information:

Directly from you when you complete a form on our website

Directly from you when you complete a Meta/Facebook or Instagram instant form

When you call, text, email, or otherwise communicate with us

From advertising, analytics, CRM, website hosting, communications, and lead-management service providers

Through cookies, pixels, tags, and similar tracking technologies on our website

4. How We Use Information

We may use your information to:

Respond to your request for information, quotes, or insurance options

Evaluate your inquiry and route it to one or more licensed independent insurance agents, agencies, brokers, call centers, lead buyers, or insurance-related partners

Help connect you with insurance products, agencies, or carriers that may fit your interests

Call, text, email, or otherwise communicate with you regarding your inquiry

Send appointment reminders, follow-up messages, and requested information

Operate, maintain, improve, and secure our website, marketing, and services

Measure advertising effectiveness, lead quality, and campaign performance

Prevent fraud, unauthorized activity, or misuse

Comply with legal, regulatory, recordkeeping, and compliance obligations

5. How Lead Sharing Works

When you submit your information through NicoQuote, your information may be shared with one or more licensed independent insurance agents, agencies, brokers, insurance-related partners, or carriers so they can contact you regarding life insurance, final expense, mortgage protection, or related insurance products.

Depending on your request, your information may be disclosed to multiple recipients, and you may be contacted by more than one licensed agent or agency.

We may use your information to help match or distribute your inquiry based on factors such as:

State

Product interest

Coverage amount

Nicotine or tobacco use

Availability of participating agents or agencies

Other information relevant to your request

6. Calls, Text Messages, Email, and Consent

By submitting your information through our website, a Meta/Facebook or Instagram lead form, or any other form we use, you expressly consent to be contacted by NicoQuote and by one or more licensed insurance agents, agencies, brokers, call centers, lead distribution partners, or service providers at the phone number and email address you provide, including by:

Call

Text message

Email

Automatic telephone dialing systems

Automated texting systems

Artificial or prerecorded voice technology

Ringless voicemail or similar technologies, where permitted by law

These communications may be for marketing, lead follow-up, quote comparison, appointment setting, informational, and customer service purposes.

Your consent is not a condition of purchase. Message and data rates may apply. Message frequency may vary.

You may revoke consent at any time by:

Replying STOP to a text message

Using the unsubscribe link in an email, where available

Requesting opt-out during a phone call

Contacting us using the contact information listed in this Privacy Policy

We will honor opt-out requests as required by applicable law. Please note that because your information may be shared with multiple licensed agents or agencies, you may need to opt out directly with a specific agent or sender if you continue receiving communications from them.

7. How We Disclose Information

We may disclose your information as reasonably necessary to:

Licensed independent insurance agents, agencies, brokers, and insurance-related partners responding to your request

Insurance carriers or product providers

CRM, website hosting, communications, analytics, advertising, call tracking, and other technology service providers

Professional advisors, auditors, compliance vendors, and legal counsel

Government authorities, regulators, courts, or law enforcement when required by law

A successor entity in connection with a merger, acquisition, financing, reorganization, sale, or transfer of assets

Because NicoQuote operates as a lead generation and distribution service, some disclosures of personal information may be considered a “sale,” “sharing,” or similar disclosure under certain state privacy laws.

8. Cookies, Pixels, and Analytics

Our website may use cookies, pixels, and similar technologies, including tools from advertising and analytics platforms, to:

Understand website traffic and visitor behavior

Measure ad performance and conversions

Improve our website, marketing, and lead quality

Build, refine, and evaluate audiences for advertising

Support retargeting and remarketing efforts

These technologies may collect information about your browser, device, usage activity, and interactions with our website and advertisements.

9. Data Retention

We retain personal information for as long as reasonably necessary to:

Respond to your inquiry

Route or distribute your lead

Provide services

Maintain business and compliance records

Comply with legal or regulatory obligations

Resolve disputes

Enforce agreements

Prevent fraud or misuse

10. Data Security

We use reasonable administrative, technical, and physical safeguards to help protect personal information. However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

11. Your Choices and Privacy Rights

You may:

Opt out of marketing texts by replying STOP

Opt out of marketing emails using the unsubscribe link, where applicable

Request that we stop marketing calls

Request access to, correction of, or deletion of your personal information, subject to applicable law and business or legal recordkeeping obligations

Request information about certain disclosures of your personal information

Where applicable under state law, request to opt out of certain sales, sharing, targeted advertising, or profiling activities

To make a privacy request, contact us using the contact information listed below.

We may need to verify your identity before processing certain requests.

12. Children’s Privacy

Our services are not directed to children under 18, and we do not knowingly collect personal information from children under 18.

13. Third-Party Links and Platforms

Our website, advertisements, and communications may link to third-party websites, platforms, or services. We are not responsible for the privacy practices of those third parties. Your interactions with third-party platforms, including Meta/Facebook and Instagram, are governed by their own terms and privacy policies.

14. State Privacy Rights

Depending on your state of residence, you may have certain privacy rights under applicable law, which may include rights to:

Know what personal information we collect and disclose

Access certain personal information

Correct inaccurate information

Delete certain personal information

Opt out of certain sales, sharing, or targeted advertising

Appeal certain privacy-rights decisions, where applicable

To exercise these rights, contact us using the information below.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated Effective Date.

16. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact:

NicoQuote.com
180 Valley St, #22
Ball Ground, Georgia 30107