PRIVACY POLICY

1. INTRODUCTION AND SCOPE

United Lanes LLC, a Nebraska limited liability company doing business as US Agent Data ("Company," "we," "us," or "our"), operates USAgentData.com (the "Site") and provides a subscription-based insurance agent data platform (the "Service"). This Privacy Policy describes how we collect, use, store, share, and protect information about you when you visit the Site or use the Service.

This Policy applies to all visitors, registered users, and subscribers. By accessing the Site or using the Service, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree, you must discontinue use of the Site and Service immediately.

This Privacy Policy is incorporated by reference into our Terms of Service. Capitalized terms not defined here have the meanings given to them in the Terms of Service.

2. INFORMATION WE COLLECT

We collect information in three ways: information you provide directly, information collected automatically, and information received from third parties.

2.1 Information You Provide Directly

When you create an account, subscribe to the Service, or contact us, we may collect:

• Full name
• Business name and job title
• Business email address
• Password (stored in encrypted form — we never store plaintext passwords)
• Billing address
• Payment information (processed directly by Stripe — see Section 6.1)
• Communications and correspondence you send to us including support requests, feedback, and inquiries
• Any other information you voluntarily provide

2.2 Information Collected Automatically

When you visit the Site or use the Service, we and our third-party service providers automatically collect certain technical and usage information including:

• IP address and approximate geographic location derived from IP
• Browser type, version, and language settings
• Operating system and device type
• Referring URL and exit pages
• Pages viewed, features used, and time spent on each page
• Search queries entered within the platform
• Export activity including number of records exported and filters applied
• Date and time of access
• Session duration and frequency of visits
• Clickstream data and interaction patterns within the dashboard

This information is collected through cookies, web beacons, pixel tags, server logs, and similar tracking technologies. See Section 5 for more detail on cookies.

2.3 Information from Third Parties

We may receive information about you from third-party services including:

• Stripe: Payment confirmation, last four digits of card, card type, billing address, and transaction identifiers. We do not receive or store full card numbers. Stripe's privacy policy governs their handling of your payment data and is available at stripe.com/privacy.
• Google Analytics: Aggregated behavioral and traffic data about how users interact with the Site. See Section 6.2.

3. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

3.1 To Provide and Operate the Service

• Create and manage your account
• Process subscription payments and renewals
• Deliver the features and functionality of the platform
• Track and enforce monthly export limits
• Provide customer support and respond to inquiries

3.2 To Maintain and Improve the Service

• Monitor platform performance, uptime, and reliability
• Analyze usage patterns to identify bugs, errors, and areas for improvement
• Develop new features based on user behavior and feedback
• Conduct internal research and analytics

3.3 To Communicate With You

• Send transactional emails including account confirmations, payment receipts, subscription renewal notices, and password resets
• Notify you of material changes to these Terms, the Privacy Policy, or the Service
• Respond to support requests and inquiries
• Send service-related announcements that are necessary to your use of the platform

We do not currently send marketing or promotional emails. If we introduce marketing communications in the future, we will provide you with opt-out mechanisms and update this Policy accordingly.

3.4 To Protect the Service and Our Rights

• Detect, investigate, and prevent fraudulent transactions, unauthorized access, and abuse of the platform
• Enforce our Terms of Service
• Monitor for violations of export limits or prohibited use
• Protect the security and integrity of our systems and data

3.5 To Comply With Legal Obligations

• Respond to lawful requests from government authorities, courts, and law enforcement
• Comply with applicable laws and regulations
• Establish, exercise, or defend legal claims

4. LEGAL BASIS FOR PROCESSING (FOR EEA/UK USERS)

If you are located in the European Economic Area or United Kingdom, we process your personal data on the following legal bases:

• Contract: Processing necessary to perform our contract with you including account management and payment processing
• Legitimate Interests: Processing for purposes of fraud prevention, platform security, and service improvement, where our interests are not overridden by your rights
• Legal Obligation: Processing required to comply with applicable law
• Consent: Where we have obtained your explicit consent, such as for optional communications

You may have additional rights under the General Data Protection Regulation (GDPR) or UK GDPR. See Section 11 for more information.

5. COOKIES AND TRACKING TECHNOLOGIES

5.1 What Are Cookies

Cookies are small text files placed on your device by websites you visit. We use cookies and similar technologies including web beacons, pixel tags, and local storage to operate the Site, remember your preferences, and analyze traffic.

5.2 Types of Cookies We Use

• Essential Cookies: Required for the Site to function. These include session cookies that keep you logged in and cookies that remember your preferences. These cannot be disabled without affecting core functionality.
• Analytics Cookies: Used by Google Analytics to collect aggregated information about how visitors use the Site. These cookies help us understand traffic patterns, popular pages, and user behavior. See Section 6.2 for more detail.
• Functional Cookies: Used to remember your settings and preferences within the platform such as filter configurations and display preferences.

5.3 Your Cookie Choices

You may control cookies through your browser settings. Most browsers allow you to refuse new cookies, delete existing cookies, and set preferences for specific sites. Note that disabling essential cookies may prevent you from logging in or using core features of the platform.

You may also opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on available at tools.google.com/dlpage/gaoptout.

5.4 Do Not Track

Some browsers transmit "Do Not Track" signals. We do not currently respond to Do Not Track signals. If our practices change, we will update this Policy.

6. THIRD-PARTY SERVICE PROVIDERS

We share information with third-party service providers who assist us in operating the Site and Service. These providers are contractually obligated to use your information only as directed by us and in accordance with this Privacy Policy.

6.1 Stripe (Payment Processing)

All payment transactions are processed by Stripe, Inc. When you subscribe, you submit your payment information directly to Stripe through their secure interface. We receive from Stripe only: a transaction confirmation, the last four digits of your card, card brand, expiration date, and billing address. We do not receive, store, or transmit full card numbers or CVV codes at any time. Stripe is PCI-DSS compliant. Their privacy policy is available at stripe.com/privacy.

6.2 Google Analytics

We use Google Analytics, a web analytics service provided by Google LLC. Google Analytics collects information about your use of the Site through cookies and similar technologies and transmits that data to Google servers. We use this information in aggregated, anonymized form to understand how users interact with the Site, measure traffic sources, and improve the Service. We have enabled IP anonymization in our Google Analytics configuration, meaning your full IP address is not stored by Google. Google's privacy policy is available at policies.google.com/privacy. You may opt out of Google Analytics as described in Section 5.3.

6.3 Hosting and Infrastructure

Our platform is hosted on third-party cloud infrastructure providers. These providers maintain industry-standard security certifications and are contractually bound to protect your data.

6.4 Email Delivery

Transactional emails such as account confirmations and payment receipts are delivered through a third-party email service provider. This provider processes your email address solely to deliver messages on our behalf and does not use your information for any other purpose.

6.5 No Sale to Data Brokers

We do not sell, rent, or lease your personal account information to data brokers, advertisers, or any other third party for their independent marketing or commercial use.

7. AGENT DATA IN OUR DATABASE

Our core product consists of insurance agent records compiled from publicly available state licensing databases. This section addresses how we handle requests from individuals whose information appears in our database.

7.1 Nature of the Data

All agent records in our database are sourced from public records maintained by state insurance regulatory authorities. This data is publicly available and accessible to anyone who requests it from the applicable state agency. We compile, normalize, and present this data through our platform.

7.2 Opt-Out and Removal Requests

If you are a licensed insurance agent and wish to request removal of your information from our database, you may submit a removal request by emailing support@usagentdata.com with the subject line "Data Removal Request." Please include your full name, state of licensure, and license number so we can locate your record. We will process verified removal requests within 30 days to the extent technically practicable. Please note that removal from our database does not affect the public record maintained by your state licensing authority.

7.3 Re-Addition After Removal

Because our database is refreshed from public state records periodically, records that have been removed may be re-added in a subsequent update if they remain active in the state licensing database. If you wish to prevent re-addition, please note this in your removal request and we will flag your record accordingly.

8. DATA RETENTION

We retain your personal information for as long as your account is active or as necessary to provide the Service. Specifically:

• Account information: Retained for the duration of your subscription and for up to 3 years following account closure for legal, tax, and dispute resolution purposes
• Payment records: Retained for 7 years as required for tax and accounting compliance
• Usage and export logs: Retained for up to 2 years for fraud prevention, abuse detection, and platform improvement
• Support communications: Retained for up to 3 years
• Legal holds: Information subject to a legal hold or active dispute will be retained until the matter is fully resolved

When retention periods expire, we delete or anonymize your information in a secure manner. Some anonymized or aggregated data may be retained indefinitely for analytical purposes.

9. DATA SECURITY

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

• Encryption of data in transit using TLS/SSL
• Encrypted storage of passwords using industry-standard hashing algorithms
• Access controls limiting employee access to personal data on a need-to-know basis
• Regular security assessments and monitoring
• Secure payment processing through Stripe's PCI-DSS compliant infrastructure

Despite these measures, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security of your information. In the event of a data breach that affects your rights, we will notify you as required by applicable law.

You are responsible for maintaining the confidentiality of your account credentials. We are not responsible for unauthorized access resulting from your failure to protect your login information.

10. CALIFORNIA RESIDENTS — CCPA RIGHTS

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

10.1 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 sources of that information, our business purpose for collecting it, and the categories of third parties with whom we share it.

10.2 Right to Delete

You have the right to request deletion of personal information we have collected about you, subject to certain exceptions permitted by law including information necessary to complete a transaction, detect fraud, comply with legal obligations, or for other legitimate internal business purposes.

10.3 Right to Correct

You have the right to request correction of inaccurate personal information we maintain about you.

10.4 Right to Opt Out of Sale or Sharing

We do not sell your personal account information to third parties. We do not share your personal information with third parties for cross-context behavioral advertising. Accordingly, there is no opt-out required for sale or sharing of your personal data.

10.5 Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. We will not deny you goods or services, charge different prices, or provide a different quality of service because you exercised your privacy rights.

10.6 How to Submit a Request

To exercise any of the above rights, contact us at support@usagentdata.com with the subject line "California Privacy Request." We will verify your identity before processing your request and respond within 45 days as required by law. We may extend this period by an additional 45 days where necessary with prior notice.

10.7 Authorized Agent

You may designate an authorized agent to submit requests on your behalf. We may require written proof of the agent's authorization and verify your identity directly before processing the request.

11. NEVADA RESIDENTS

Nevada law (NRS 603A) gives Nevada residents the right to opt out of the sale of certain personal information. We do not sell personal information of our registered users as defined under Nevada law. If you have questions, contact us at support@usagentdata.com.

12. EEA AND UK RESIDENTS

If you are located in the European Economic Area or United Kingdom, you have the following rights under the GDPR or UK GDPR:

• Right of Access: Request a copy of the personal data we hold about you
• Right to Rectification: Request correction of inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data in certain circumstances
• Right to Restrict Processing: Request that we limit how we use your data
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Where processing is based on consent, withdraw that consent at any time

To exercise these rights, contact us at support@usagentdata.com. We will respond within 30 days. You also have the right to lodge a complaint with your local supervisory authority.

Please note that our Service is operated from the United States. If you access the Service from outside the United States, your information will be transferred to and processed in the United States. By using the Service, you consent to this transfer.

13. CHILDREN'S PRIVACY

The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If we become aware that we have collected personal information from a minor, we will delete that information promptly. If you believe we may have collected information from a minor, please contact us at support@usagentdata.com.

14. THIRD-PARTY LINKS

The Site may contain links to third-party websites, tools, or services. We are not responsible for the privacy practices, content, or security of any third-party site. We encourage you to review the privacy policies of any third-party sites you visit. The inclusion of a link does not imply endorsement by United Lanes LLC.

15. CHANGES TO THIS PRIVACY POLICY

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will post the updated Policy on this page with a new "Last Updated" date and, where appropriate, notify you by email or through a notice on the Site. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Policy. We encourage you to review this Policy periodically.