Privacy Policy

QuoterIQ ("QuoterIQ," "we," "us," or "our") is a software platform operated by QuoterIQ that helps licensed insurance agents and agencies quote life insurance products, screen carrier eligibility, manage leads, and communicate with their clients. This Policy explains how we collect, use, and protect information when you use our website and platform (the "Service").

We provide the Service to insurance professionals (our "Customers"). Our Customers use the Service to serve their own clients ("End Clients"). This Policy describes our practices both as the operator of the Service and as a service provider to our Customers.

Account and professional information. When an agent or agency creates an account, we collect name, email, phone number, business name, and professional licensing information (such as your National Producer Number, state license numbers, and license status) needed to operate the Service.

End Client information entered by agents. Our Customers enter information about their End Clients to generate quotes and manage their book of business. This may include name, contact details, date of birth, gender, state of residence, and health- and lifestyle-related information relevant to insurance underwriting (such as tobacco use, medical history, height/weight, and similar factors). Agents are responsible for collecting this information lawfully and with appropriate consent from their End Clients.

Communications data. The Service includes calling and messaging features. When these are used, we and our communications providers may process call audio, call recordings, transcripts, message content, and related metadata (such as call times, durations, and phone numbers) to provide and improve the features you use.

Usage and device information. We collect standard technical information such as IP address, browser type, device information, pages viewed, and actions taken, to operate, secure, and improve the Service.

Payment information. Subscription billing is handled by our payment processor. We do not store full payment card numbers on our systems.

We use information to:

• provide, operate, and maintain the Service, including quoting, eligibility screening, lead management, and communications features;
• authenticate users and secure accounts;
• generate analytics, performance summaries, and AI-assisted insights for our Customers about their own accounts and teams;
• provide customer support and respond to requests;
• process payments and manage subscriptions;
• detect, prevent, and address fraud, abuse, and security issues; and
• comply with legal obligations.

We do not sell personal information, and we do not use End Client information for our own marketing.

The Service draws on third-party insurance pricing data and our own curated carrier underwriting intelligence to present quotes and eligibility guidance. Quotes are estimates for comparison purposes and are not offers of insurance or guarantees of coverage, rate, or approval. Final terms are determined by the issuing carrier.

Where the Service offers optional data-enrichment features, any enrichment data is used solely to help agents organize and contact their leads. Enrichment data is not used to determine insurance eligibility, underwriting outcomes, or any decision about an End Client, and must not be used by Customers for any purpose governed by the Fair Credit Reporting Act (FCRA). Enrichment data is kept separate from eligibility and underwriting workflows.

We share information only as needed to run the Service:

Service providers (sub-processors). We use trusted vendors to deliver the Service, including: cloud database and hosting, authentication, telephony and messaging, voice transcription, AI model processing, error monitoring, and product analytics. These providers process information on our behalf under contractual confidentiality and data-protection obligations, and are permitted to use it only to provide their services to us.

At our Customers' direction. Where a Customer connects an optional integration (such as email or calendar) or directs us to share information, we act on those instructions.

Legal and safety. We may disclose information if required by law, to enforce our agreements, or to protect the rights, safety, and security of our users, the public, or QuoterIQ.

Business transfers. If we are involved in a merger, acquisition, or sale of assets, information may be transferred as part of that transaction, subject to this Policy.

We currently use the following sub-processors to provide the Service: Supabase (database and hosting), Vercel (application hosting), Clerk (authentication), OpenAI (AI assistant and call-coaching features), Deepgram (voice transcription), Telnyx (telephone calls and SMS), LiveKit (in-app voice), Google (Gmail and Google Calendar, where you connect them), PeopleDataLabs (optional lead enrichment), Sentry (error monitoring), and PostHog (product analytics). We require each sub-processor to protect information under contractual confidentiality and data-protection obligations and to use it only to provide services to us. We will update this list as our sub-processors change.

We treat the data in the Service as nonpublic personal information and maintain an information security program designed to align with the safeguards expected of financial-services providers under the Gramm-Leach-Bliley Act (GLBA). Our safeguards include encryption of sensitive data in transit and at rest, access controls, authentication, monitoring, and vendor due diligence. No system is perfectly secure, but we work to protect information using administrative, technical, and physical safeguards appropriate to its sensitivity.

We do not represent that the Service is "HIPAA compliant." Life insurance underwriting activities are generally not subject to HIPAA, and we describe our protections under the GLBA framework that applies to our business.

We retain information for as long as needed to provide the Service, to comply with legal, tax, and recordkeeping obligations, to resolve disputes, and to enforce our agreements. When information is no longer needed, we delete or de-identify it. Customers may request deletion of their account data as described below; some records may be retained where required by law.

Depending on your location and role, you may have rights to access, correct, delete, or obtain a copy of personal information, or to object to certain processing. Agents can update much of their account information directly in the Service. For other requests, contact us at accounts@quoteriq.com. For End Client information held on behalf of a Customer, we will route requests to the relevant Customer, who controls that data.

End Client information is entered and controlled by the agent or agency serving that End Client. If you are an End Client and want to know how your information is used or to exercise your rights, please contact the agent or agency you are working with. We will support our Customers in responding to such requests.

The Service is operated in the United States and intended for use by U.S.-licensed insurance professionals. If you access it from outside the United States, you understand that information is processed in the United States.

The Service is intended for licensed insurance professionals and is not directed to children. We do not knowingly collect personal information directly from children.

We may update this Policy from time to time. We will post the updated version with a revised "Last updated" date and, where appropriate, provide additional notice.

QuoterIQ's use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy (https://developers.google.com/terms/api-services-user-data-policy), including the Limited Use requirements. When you connect a Google account (Gmail or Google Calendar), we access that data solely to provide the features you enable, such as reading and organizing email or managing calendar events on your behalf. We do not use Google user data for advertising; we do not sell it; we do not transfer it to others except as needed to provide these features, with your consent, or as required by law; and we do not allow humans to read it unless you give consent for specific support requests, it is necessary for security or to comply with law, or the data is aggregated and anonymized. We do not use Google user data to develop, improve, or train generalized AI or machine-learning models.

To provide AI-assisted features (such as the Vera assistant and call coaching), we send relevant inputs, which may include lead information, call transcripts, and message content, to our AI processing providers to generate responses. These providers act as our service providers and process the data only to provide the service to us. We do not permit our AI providers to use your or your End Clients' information to train their general-purpose models, and we do not sell this information. We may use de-identified or aggregated data to maintain and improve the Service.

We and our providers use cookies, local storage, and similar technologies to operate and improve the Service: (1) strictly necessary technologies required for authentication, security, and core functionality; (2) functional technologies that remember your preferences; and (3) analytics technologies that help us understand product usage so we can improve the Service. We do not use third-party advertising cookies and do not permit third parties to use cookies on the Service for cross-context behavioral advertising. You can control cookies through your browser settings; disabling strictly necessary cookies may break parts of the Service.

This section applies to California residents whose personal information we process as a business.

Categories we collect: identifiers (name, email, phone); professional and licensing information; commercial information (subscription and usage); internet and device activity; audio information (call recordings and transcripts where calling features are used); general-level geolocation; inferences; and sensitive personal information limited to health- and lifestyle-related information entered for insurance underwriting.

Sources and disclosures: we collect information from you, from your use of the Service, and, for End Client records, from our Customers. We disclose information to the service providers listed above for business purposes.

No sale or sharing: we do not sell personal information, and we do not share it for cross-context behavioral advertising.

Sensitive information: we use sensitive personal information only to provide the Service and for purposes permitted by law.

Your rights: subject to law, you may request to know, access, delete, or correct your personal information, and you will not receive discriminatory treatment for exercising these rights. To exercise a right, contact us at the email in the Contact section; you may use an authorized agent. For End Client information we hold on behalf of a Customer, we route the request to that Customer, who controls the data. We verify requests before acting.

Questions about this Policy or our privacy practices:

This Policy is governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.