Privacy Policy

Top Target Agency ("Top Target Agency," "Company," "we," "us," or "our") respects your privacy and is committed to protecting the information you provide to us.

This Privacy Policy explains how we collect, use, disclose, share, store, and protect personal information when you:

• visit our websites, landing pages, or advertisements;
• submit information through forms or lead pages;
• request quotes or insurance-related information;
• communicate with us by phone, text message, email, or other means;
• or otherwise interact with our marketing and lead generation services.

By using our website or submitting your information, you acknowledge that you have read and understood this Privacy Policy.

1. Nature of Our Business

Top Target Agency operates as a marketing, advertising, and lead generation company. We are not an insurance carrier, underwriting company, or policy issuer unless expressly stated otherwise.

We collect consumer information and may share, distribute, sell, transfer, or disclose that information to licensed insurance agents, insurance agencies, carriers, advertisers, marketing partners, lead buyers, and other third-party service providers for purposes including:

• providing insurance quotes;
• marketing insurance-related products or services;
• consumer outreach;
• advertising;
• analytics;
• lead verification;
• and related business purposes.

2. Information We Collect

We may collect the following categories of information:

Personal Information

Including but not limited to:

• full name;
• phone number;
• mobile number;
• email address;
• mailing address;
• property address;
• ZIP code;
• date of birth;
• marital status;
• homeownership status;
• and other identifying information.

Insurance-Related Information

Including but not limited to:

• insurance history;
• prior claims;
• current coverage status;
• lapse history;
• property characteristics;
• vehicle information;
• driver information;
• and information relevant to obtaining insurance quotes.

Technical and Device Information

Including but not limited to:

• IP address;
• browser type;
• device identifiers;
• operating system;
• session information;
• cookies;
• tracking pixels;
• referring URLs;
• geolocation data;
• and website interaction data.

Communication Information

Including but not limited to:

• phone call recordings;
• SMS/text messages;
• emails;
• chat records;
• consent records;
• and customer support interactions.

Consent and Verification Information

Including but not limited to:

• timestamps;
• consent language presented at submission;
• IP logs;
• browser metadata;
• session replay data;
• TrustedForm certificates;
• Jornaya LeadID records;
• and related compliance documentation.

3. How We Collect Information

We may collect information:

• directly from you;
• through online forms;
• through social media lead forms;
• through advertisements;
• through cookies and tracking technologies;
• through third-party data providers;
• through insurance marketing partners;
• through public databases;
• and through automated technologies.

4. How We Use Information

We may use information for any lawful business purpose including:

• connecting consumers with insurance providers;
• generating and distributing leads;
• marketing products and services;
• contacting consumers;
• sending emails, calls, and text messages;
• verifying identity;
• fraud prevention;
• analytics and advertising;
• website optimization;
• maintaining compliance records;
• enforcing agreements;
• and complying with legal obligations.

5. How We Share Information

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR INFORMATION MAY BE SHARED WITH MULTIPLE THIRD PARTIES.

We may share, transfer, disclose, distribute, license, sell, or otherwise provide your information to:

• licensed insurance agents;
• insurance agencies;
• insurance carriers;
• underwriters;
• affiliates;
• marketing partners;
• lead buyers;
• advertising networks;
• CRM providers;
• analytics providers;
• communication platforms;
• data enrichment providers;
• technology vendors;
• and other third-party service providers.

Multiple companies may contact you regarding your inquiry.

We may also disclose information:

• to comply with laws, subpoenas, court orders, or regulatory requests;
• to investigate fraud, abuse, or security incidents;
• to enforce agreements;
• during mergers, acquisitions, or asset sales;
• or to protect our legal rights and interests.

6. Consent to Communications

By submitting your information, you provide prior express written consent to receive communications from:

• Top Target Agency;
• insurance agents;
• insurance agencies;
• insurance carriers;
• affiliates;
• marketing partners;
• lead buyers;
• and other third parties.

Communications may include:

• phone calls;
• SMS/text messages;
• emails;
• prerecorded voice messages;
• artificial voice messages;
• ringless voicemail;
• and communications using automated telephone dialing systems ("ATDS").

You understand and agree that:

• communications may be made using automated technologies;
• communications may be sent to residential or mobile numbers;
• message and data rates may apply;
• multiple companies may contact you;
• consent is not required as a condition of purchase.

You may opt out at any time by:

• replying STOP to text messages;
• clicking unsubscribe links in emails;
• or contacting us directly.

Opt-out requests may take reasonable time to process.

7. Call Recording

Telephone calls may be monitored or recorded for:

• quality assurance;
• compliance;
• training;
• dispute resolution;
• fraud prevention;
• and recordkeeping purposes.

By continuing a call after notice is provided, you consent to recording and monitoring.

8. Cookies and Tracking Technologies

We and our partners may use:

• cookies;
• pixels;
• web beacons;
• SDKs;
• session replay tools;
• analytics technologies;
• advertising technologies;
• and similar tracking mechanisms.

These technologies may collect information regarding:

• browsing activity;
• website interactions;
• device information;
• advertising engagement;
• and user behavior.

Third-party advertising and analytics providers may also collect information across websites and devices. You may disable cookies through browser settings, though portions of the website may not function properly.

9. Data Retention

We may retain information for as long as necessary to:

• operate our business;
• comply with legal obligations;
• maintain compliance records;
• enforce agreements;
• resolve disputes;
• defend legal claims;
• or satisfy regulatory requirements.

Consent records and compliance documentation may be retained indefinitely where permitted by law.

10. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect information. However, no method of transmission or storage is completely secure. WE DISCLAIM ANY GUARANTEE OF ABSOLUTE SECURITY. You provide information at your own risk.

11. Your Privacy Rights

Depending on applicable laws and your state of residence, you may have rights to:

• request access to personal information;
• request correction of inaccurate information;
• request deletion of certain information;
• opt out of certain processing activities;
• or exercise other privacy rights available under applicable law.

We may verify your identity before responding to requests. Certain information may be exempt from deletion under legal, regulatory, compliance, fraud prevention, or business recordkeeping obligations.

12. State Privacy Disclosures

Residents of certain states may have additional rights under applicable privacy laws including but not limited to:

• California Consumer Privacy Act (CCPA/CPRA);
• Virginia Consumer Data Protection Act (VCDPA);
• Colorado Privacy Act (CPA);
• Connecticut Data Privacy Act (CTDPA);
• Utah Consumer Privacy Act (UCPA);
• and similar laws.

Where required by law, additional disclosures and rights may apply.

13. Children's Privacy

Our services are intended only for individuals eighteen (18) years of age or older. We do not knowingly collect information from children under 18. If we learn that information from a child under 18 has been collected, we may delete it without notice.

14. Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for:

• third-party privacy practices;
• content;
• policies;
• products;
• or services.

Your interactions with third parties are solely between you and the applicable third party.

15. No Guarantee of Confidentiality

While we take reasonable precautions, we cannot guarantee that information transmitted electronically will remain private or secure. Communications over the internet may be intercepted by third parties.

16. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time without prior notice. Changes become effective immediately upon posting. Your continued use of the website or services constitutes acceptance of the revised Privacy Policy.

17. Contact Information

If you have questions regarding this Privacy Policy or wish to exercise available rights, contact: