Privacy Policy

This Privacy Policy describes how Flow Vantage Group LLC (“Flow Vantage,” “we,” “us,” “our”) collects, uses, sells, and shares personal information. It covers our website at flowvantagegroup.com, our lead marketplace at connect.flowvantagegroup.com, and the consumer insurance inquiry pages we operate. Flow Vantage Group LLC is based at 2108 N St, Sacramento, CA 95816.

What we do. Flow Vantage advertises insurance products, collects inquiries from consumers who want to speak with a licensed agent, and sells each inquiry to one independent licensed insurance agent. We are not an insurance company, insurance agency, or licensed insurance producer, and we do not sell, quote, underwrite, or advise on insurance.

If you are a consumer, read Section 3. We sell the information you submit to one licensed insurance agent. That is the purpose of the form, and you can opt out at any time.

1. Information We Collect

Consumers who submit an insurance inquiry. When you complete one of our insurance inquiry forms, we collect:

• Your first and last name
• Your mobile phone number. We check the number with a carrier validation provider to see whether it is a real number in service
• Your email address, if you provide one
• Your state, and your city if you provide it
• Your answers to the questions on the form, such as the amount of coverage you are interested in, an age range, who you would want coverage to take care of, and whether you already have coverage
• A record of your consent, including the exact wording shown to you, the date and time, and the IP address the form was submitted from

We do not ask for your Social Security number, your income, your medical history, your tobacco use, your current insurer, or any policy number, and you should not provide them on the form.

Insurance agents. When you create an account or inquire about the marketplace, we collect your name, email address, phone number, resident state, the states you tell us you are licensed in, the product lines and hours you select, your billing information (processed by our payment provider, Stripe), and the details of your wallet transactions and lead purchases.

Website visitors. We and our service providers may automatically collect your IP address and approximate location, browser type, operating system, device identifiers, pages visited, time on site, referring URL, and cookie and pixel identifiers.

2. How We Use Information

We use consumer information to validate the phone number, to match the inquiry to a licensed agent in the relevant state, to deliver the inquiry to that agent, to keep a record of consent, to resolve disputes, to detect fraud and duplicate submissions, and to comply with applicable law.

We use agent information to operate accounts, allocate and deliver leads, process wallet transactions, provide support, and comply with applicable law. We use website data to operate and improve the site and to measure our own marketing.

3. How We Sell Consumer Information

We sell consumer inquiry information to insurance agents. This is our business model, and California law treats it as a sale of personal information.

What we sell. The categories of personal information we sell are identifiers (your name, phone number, and email address), geolocation at the state and city level, and your answers to the questions on the inquiry form. We also pass along the record of your consent.

Who we sell it to. Independent, licensed insurance agents. Each inquiry is sold to exactly one agent, one time. We do not sell the same inquiry to multiple agents, and we do not sell to data brokers, list brokers, or marketing aggregators.

Why. So that a licensed agent can contact you about the insurance product you inquired about, which is what you asked for when you submitted the form.

What happens after the sale. Once your information is delivered to an agent, that agent independently decides how to contact you and how to handle your information, and is responsible for their own compliance and their own privacy practices. If you ask us to stop, we will stop selling further inquiries from you, but we cannot retrieve information already delivered. To be removed by that agent, contact the agent directly, or contact us and we will pass your request along.

We do not sell information about insurance agents, and we do not sell website visitor data.

We do not knowingly sell the personal information of anyone under 18. See Section 10.

4. How We Otherwise Share Information

Service providers. We share data with vendors who process it on our behalf, including website and application hosting, database hosting, carrier validation, consent certification, customer relationship management platforms, payment processing, email delivery, advertising platforms, and analytics providers. These providers may use the information only to provide services to us.

Legal requirements. We may disclose information when required by law, court order, or to protect the rights, property, or safety of Flow Vantage, our users, or the public.

Business transfers. If Flow Vantage is sold or transferred, personal information may be transferred as part of that transaction.

We do not share personal information with third parties for their own independent marketing, other than the sale of consumer inquiries described in Section 3.

5. Cookies and Tracking Technologies

We use first-party cookies to operate our sites and third-party analytics and advertising technologies to measure and improve our own advertising. These tools may collect device identifiers, browsing behavior, and ad interaction data. We do not send your answers to the inquiry form to any advertising platform. You can limit cookie tracking by adjusting your browser settings, and you can opt out of interest-based advertising through industry tools at optout.aboutads.info or through your settings on the relevant advertising platforms. Some site features may not function properly without cookies.

6. Your Privacy Rights

Depending on where you live, you may have the right to know what personal information we hold about you, to access a copy of it, to correct it, to delete it, to opt out of the sale or sharing of your personal information, and to not be discriminated against for exercising these rights.

To exercise any of these rights, email hello@flowvantagegroup.com or call (916) 546-7399 with your request. We respond within the timeframe required by applicable law, generally within 45 calendar days for access, correction, and deletion requests, and we honor opt-out requests as soon as feasible and no later than 15 business days. We may need to verify your identity before processing certain requests. You may use an authorized agent to submit a request on your behalf.

7. Do Not Sell or Share My Personal Information

You have the right to direct us not to sell your personal information. To opt out, email hello@flowvantagegroup.com with the subject line “Do Not Sell My Personal Information,” or call (916) 546-7399. Include the phone number or email address you submitted so we can find your record.

We will stop selling your information as soon as feasible and no later than 15 business days from your request, and we will not ask you to reverse it for at least 12 months. You do not need an account to opt out, and opting out does not affect any other service you receive from us. As explained in Section 3, an opt-out stops future sales but cannot recall information already delivered to an agent.

8. Data Retention

We retain consumer inquiry records, including the consent record, for as long as necessary to operate the marketplace, resolve disputes, and demonstrate compliance, and for at least as long as the applicable statute of limitations for claims relating to that contact. We retain agent account and transaction records for as long as the account is active and afterward as required for tax, accounting, and legal purposes. You may request deletion as described in Section 6.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, loss, or misuse. However, no method of transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

10. Children’s Privacy

Our sites and services are not directed to children. We do not knowingly collect or sell personal information from anyone under 18. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page. Continued use of our website or services after any update constitutes your acceptance of the revised policy.

12. Text Messaging and Mobile Information (SMS)

If you provide your mobile phone number and affirmatively opt in, Flow Vantage Group may send you text messages. Consent for customer care and appointment messages and consent for marketing and promotional messages are collected as two separate, unchecked checkboxes, and neither is a condition of purchase or of receiving a response from us.

No mobile information will be sold or shared with third parties or affiliates for marketing or promotional purposes. All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

For clarity, the paragraph above concerns our text messaging program. It means we do not sell or share the list of people who opted in to receive texts from Flow Vantage, and we never transfer text messaging opt-in data or consent records to anyone as marketing data. It is separate from the sale of consumer inquiries described in Section 3, where you ask to be contacted by a licensed agent and the phone number you provide is delivered to that one agent for that purpose.

Message frequency varies. Message and data rates may apply. Reply STOP to any message to unsubscribe, or HELP for assistance. Opting out of text messages also removes you from marketing email and marketing phone calls. You may also email hello@flowvantagegroup.com or call (916) 546-7399 to be removed. Text messaging is available to persons 18 years of age or older. Carriers are not liable for delayed or undelivered messages.

For each submission that includes consent we retain the consent selections, the date and time, the originating IP address, the exact disclosure text displayed, the URL of the form, and the phone number consented to.

13. Contact Us

For questions or requests about this Privacy Policy or our data practices, contact us at: hello@flowvantagegroup.com or (916) 546-7399. Flow Vantage Group LLC, 2108 N St, Sacramento, CA 95816.