Privacy Policy

This Privacy Policy describes how PJP LLC, doing business as U65 Leads (“we,” “us,” “our”), collects, uses, and shares personal information from two groups: (a) consumers who respond to our health insurance advertisements and complete our surveys, and (b) customers (insurance agents and agencies) who purchase leads from us.

1. Information We Collect

• Contact information: name, email address, phone number, ZIP code, city, and state.
• Consumer survey information: age or date of birth, household size, household income range, self-reported health status, current coverage, and other responses to our survey questions.
• Verification information: results of telephone number validation performed through a telecom lookup provider (Telnyx), including line type and carrier data.
• Customer account information: agent name, license states, National Producer Number (if provided), photo (if provided), delivery preferences, portal credentials, and lead status updates.
• Transaction information: products purchased, subscription details, and payment status. Payment card details are collected and stored by our payment processor, Stripe, not by us.
• Device and usage information: IP address, browser type, device identifiers, pages viewed, and interactions collected through cookies, pixels, and analytics tools.
• Communications: emails, texts, and support requests you send us.

2. Sources of Information

We collect information directly from consumers who complete our forms, from customers who purchase our services, automatically through cookies and similar technologies, from advertising platforms (such as Meta and Google), from verification providers, and from payment processors.

3. How We Use Information

We use information to generate and deliver leads, match consumers with licensed insurance professionals, operate the lead portal, process payments, send transactional and marketing communications, measure and improve advertising, prevent fraud and abuse, enforce our terms, and comply with legal obligations.

4. How Consumer Information Is Shared

When a consumer requests information about health insurance through one of our advertisements, we share that consumer’s contact and survey information with one licensed insurance agent or agency so that agent can contact the consumer about coverage. The consumer is shown the name of the agent who will contact them before submitting the request, consistent with FCC one-to-one consent requirements. We do not resell, share, or redistribute a consumer’s lead to additional agents, and we do not operate a shared or aged lead pool.

5. Other Disclosures

We may also disclose information to service providers who help us operate (hosting, payment processing, email and SMS delivery, CRM integrations, telephone verification, analytics), to advertising platforms for measurement and audience purposes, to comply with law or legal process, to protect our rights and safety, and in connection with a merger, acquisition, or sale of assets.

We do not knowingly sell or share the personal information of anyone under 16.

6. Your Privacy Choices and Rights

Depending on where you live, you may have the right to access, correct, delete, or obtain a copy of your personal information, to opt out of the sale or sharing of your personal information, and to limit certain uses. To exercise these rights, email support@u65leads.co. We may need to verify your identity before responding. We will not discriminate against you for exercising your rights.

7. Do Not Sell or Share My Personal Information

Providing a consumer’s information to an insurance agent may be considered a “sale” or “sharing” under some state laws. To opt out, email support@u65leads.co with the subject line “Do Not Sell or Share My Personal Information.” We honor browser-based opt-out preference signals where required by law. Opting out may prevent us from connecting you with an agent.

8. Consumer Requests to Stop Contact

If you are a consumer who no longer wishes to be contacted, email us and we will suppress your information from future delivery and notify the agent who received your request. We may retain a record of your request and of the original inquiry for compliance, dispute resolution, and fraud-prevention purposes.

9. Communication Preferences

You can unsubscribe from marketing emails using the link in any message and opt out of text messages by replying STOP. Transactional messages (receipts, portal notifications, account alerts) will continue while you have an active relationship with us.

10. Data Retention

We retain information as long as reasonably necessary to provide the services, maintain business records, resolve disputes, prevent fraud, and comply with law. We may delete, anonymize, or archive information when it is no longer needed.

11. Security

We use reasonable administrative, technical, and physical safeguards to protect information. No system is completely secure. Customers are responsible for protecting their own portal credentials.

12. Cookies and Tracking

We use cookies, pixels (including the Meta Pixel and Google Analytics), and similar technologies to operate the site, remember preferences, measure advertising performance, and detect fraud. You can control cookies through your browser settings; some features may not work without them.

13. Third-Party Sites and Independent Agents

Insurance agents who receive leads are independent businesses, not our employees. Once information is delivered to an agent, that agent’s own privacy practices apply. We are not responsible for third-party websites linked from our site.

14. Children

Our services are not directed to children under 13 and our insurance advertising is intended for adults. If you believe a child has provided us information, contact us and we will delete it.

15. Location of Processing

Information is processed and stored in the United States.

16. Changes to This Policy

We may update this policy from time to time. Updates are effective when posted with a new “Last updated” date.

Contact

PJP LLC d/b/a U65 Leads
20362 Husker Drive
Gretna, NE 68028
Email: support@u65leads.co