Privacy Policy

Effective Date: September 7, 2025
Last Updated: September 7, 2025

Introduction

BTP Affiliate ("we," "our," or "us") operates btpaffiliate.com and related services. We are a performance marketing company specializing in compliant lead generation for insurance and financial services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with our marketing campaigns.

We are committed to protecting your privacy and maintaining the highest standards of data protection. This policy complies with applicable federal and state privacy laws, including the California Consumer Privacy Act (CCPA), Virginia Consumer Data Protection Act (VCDPA), and other relevant regulations.

Information We Collect

Information You Provide Directly

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, gender, marital status, household size
• Insurance-Related Information: Current coverage details, coverage needs, vehicle information, property details
• Financial Information: Income range, credit score range (where permitted), employment status
• Business Information: Company name, industry, marketing objectives, budget information (for B2B clients)
• Communication Records: Messages, emails, phone call records, and other communications with us

Information Collected Automatically

• Usage Data: Pages visited, time spent on site, click-through rates, referral sources, search terms
• Device Information: IP address, browser type and version, operating system, device identifiers, screen resolution
• Location Data: General geographic location based on IP address (city/state level)
• Cookies and Tracking Technologies: Session cookies, persistent cookies, web beacons, pixels, and similar tracking technologies
• Marketing Data: Campaign source, ad interactions, conversion events, attribution data

Third-Party Information

• Lead Data: Information about leads generated through our campaigns and partner networks
• Partner Data: Information shared by our advertising partners, networks, and insurance carriers
• Data Enhancement: Publicly available information used to improve lead quality and targeting
• Social Media Information: Information from social media platforms when you interact with our content

How We Use Your Information

We use the information we collect for the following purposes:

Service Delivery

• Provide lead generation and performance marketing services
• Match consumers with appropriate insurance providers
• Process and fulfill quote requests
• Deliver requested information about insurance products

Communication

• Respond to inquiries and provide customer support
• Send service-related communications and updates
• Provide information about insurance options and quotes
• Send marketing communications (with proper consent)

Business Operations

• Improve campaign performance and user experience
• Conduct analytics, reporting, and business intelligence
• Prevent fraud and ensure security
• Comply with legal obligations and regulatory requirements

Information Sharing and Disclosure

Insurance Partners

When you request insurance quotes or information, we share your relevant information with licensed insurance carriers, agents, and brokers who can provide you with quotes and coverage options. This includes:

• Personal and contact information
• Insurance needs and current coverage details
• Demographic and financial information relevant to underwriting
• Vehicle or property information for relevant coverage types

Service Providers

We share information with trusted third-party service providers who assist us in:

• Analytics and Tracking: Google Analytics, Vercel Analytics, conversion tracking platforms
• Lead Management: Everflow, lead distribution platforms, CRM systems
• Communication Services: Email service providers, SMS platforms, call center services
• Technology Infrastructure: Cloud hosting providers, database services, security services
• Advertising Networks: Taboola, Outbrain, Facebook, Google, and other advertising platforms

Legal and Regulatory Disclosures

We may disclose your information when required by law or when we believe disclosure is necessary to:

• Comply with legal processes, court orders, or government requests
• Protect our rights, property, or safety and that of our users
• Prevent fraud, security threats, or illegal activities
• Enforce our Terms and Conditions or other agreements
• Comply with insurance regulations and licensing requirements

TCPA Compliance

We are committed to full compliance with the Telephone Consumer Protection Act (TCPA) and related regulations. Our TCPA compliance program includes:

Consent Management

• We obtain proper written consent before contacting consumers via phone, email, or text
• Consent forms clearly disclose the purpose and nature of communications
• We use TrustedForm and Jornaya LeadiD for consent verification and recording
• All consent records include timestamps, IP addresses, and form completion data

Opt-Out Mechanisms

• We provide clear and easy opt-out mechanisms in all communications
• Opt-out requests are processed immediately and honored within 24 hours
• We maintain internal and external Do Not Call lists
• Partners and vendors must honor opt-out requests and maintain compliance

Record Keeping

• We maintain detailed records of all consent and communication activities
• Records include consent timestamps, contact attempts, and opt-out requests
• All records are securely stored and readily available for compliance audits
• We conduct regular compliance reviews and training for all personnel

Data Security

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

• Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted at rest
• Access Controls: Strict access controls limit data access to authorized personnel only
• Network Security: Firewalls, intrusion detection, and regular security monitoring
• Regular Updates: Security measures and systems are regularly reviewed and updated
• Incident Response: Comprehensive procedures for detecting and responding to security incidents
• Vendor Management: All third-party vendors must meet our security standards

Your Rights and Choices

Access and Control Rights

• Right to Know: Request information about the personal information we collect, use, and share
• Right to Access: Request a copy of the personal information we hold about you
• Right to Correct: Request correction of inaccurate personal information
• Right to Delete: Request deletion of personal information (subject to legal requirements)
• Right to Portability: Request a copy of your data in a portable, machine-readable format

Communication Preferences

• Email Opt-Out: Unsubscribe from marketing emails using provided links or contact us directly
• Phone Opt-Out: Request removal from calling lists by calling us or using opt-out mechanisms
• SMS Opt-Out: Reply STOP to any text message or contact us directly
• Do Not Sell: We do not sell personal information to third parties for monetary consideration

State-Specific Rights

Residents of certain states may have additional rights under applicable privacy laws:

• California (CCPA/CPRA): Additional rights regarding sale and sharing of personal information
• Virginia (VCDPA): Rights to confirm processing, access data, and opt out of targeted advertising
• Connecticut (CTDPA): Similar rights to access, correct, delete, and opt out
• Other States: We comply with applicable state privacy laws as they take effect

Cookies and Tracking Technologies

Types of Cookies We Use

• Essential Cookies: Required for website functionality and security
• Analytics Cookies: Google Analytics, Vercel Analytics for performance tracking
• Marketing Cookies: Campaign tracking, conversion attribution, retargeting
• Preference Cookies: Remember your settings and preferences

Your Cookie Choices

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality and our ability to provide personalized services. You can also opt out of interest-based advertising through industry opt-out tools.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will delete that information promptly. If you believe we have collected information from a child under 18, please contact us immediately.

International Data Transfers

If you are located outside the United States, please note that the information we collect will be transferred to and processed in the United States, where our servers are located and our business operates. By using our services, you consent to the transfer of your information to the United States, which may have different data protection laws than your jurisdiction.

Data Retention

We retain personal information for as long as necessary to:

• Provide our services and fulfill business purposes
• Comply with legal obligations and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain TCPA compliance records as required by law

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data retention policies and applicable legal requirements.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending email notifications for significant changes that affect your rights
• Providing prominent notice on our website for material changes

Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

Contact Information