Privacy Policy

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Privacy Overview

Last Updated: August 1, 2025

At The Senior Quotes (operated by The Senior Quotes, Inc., hereinafter "we," "us," or "our"), we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, share, store, and protect your personal information when you visit our website (the "Site") or submit an inquiry through our comparison and referral platform.

SECTION 1. ACCEPTANCE & INCORPORATION OF TERMS

By accessing this Site, submitting your personal information, or requesting information regarding insurance, debt relief, lending, or financial products, you agree to the collection, use, and sharing of your information as outlined in this Privacy Policy.

This Privacy Policy is expressly incorporated into and governed by The Senior Quotes Terms. PLEASE BE ADVISED THAT OUR TERMS OF USE CONTAIN A MANDATORY BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (SECTION 2) THAT GOVERNS ANY DISPUTE ARISING OUT OF YOUR USE OF THIS SITE, OUR PRIVACY PRACTICES, OR ANY COMMUNICATIONS RECEIVED FROM US OR OUR AUTHORIZED PARTNERS.

SECTION 2. INFORMATION WE COLLECT

We collect information that identifies, relates to, or could reasonably be linked with you ("Personal Information"):

1. Information You Voluntarily Provide: When you fill out an online form or request a quote on our Site, we collect personal identifiers and commercial inquiry details, including:

  • Full name, mailing address, city, state, and ZIP code.
  • Email address and telephone number (landline or cellular).
  • Date of birth, age, and gender.
  • Financial information, estimated debt amounts, credit inquiry status, and requested financial or insurance services.

2. Automatically Collected Technical & Usage Data: hen you navigate our Site, we automatically log diagnostic data, including:

  • IP address, browser type and version, operating system, and mobile device identifiers.
  • Pages visited, time spent on pages, referral URL, and clickstream interaction data.
  • Cookies, web beacons, and persistent tracking scripts used for site functionality, analytics, and user experience.

3. TCPA Consent Certification & Lead Provenance Data: To ensure compliance with federal telemarketing laws and verify prior express written consent, we collect visual and technical session verification data using third-party lead certification tools (such as Jornaya LeadID or ActiveProspect TrustedForm). This includes time-stamped visual recordings of your interaction with the submission form, IP address, mouse clicks, and form disclosures displayed at the time of submission.

SECTION 3. HOW WE USE YOUR PERSONAL INFORMATION

We process your Personal Information for the following business and commercial purposes:

  • To evaluate your inquiry, match you with relevant financial and insurance providers, and facilitate quote delivery.
  • To share your lead details with designated operating entities and marketing partners, specifically including Better Debt Solutions, Lendvia, Better Rise Capital, and Better Tax Relief, for purposes of evaluating eligibility, offering debt-relief, credit, lending, or tax-relief services, and communicating with you regarding those services.
  • To initiate communications via telephone, automated dialing systems, artificial/prerecorded voice messages, text messages (SMS/MMS), and email in accordance with the express consents you grant on the Site.
  • To document, maintain, and enforce compliance with federal and state Do-Not-Call (DNC) regulations and TCPA recordkeeping rules.
  • To detect, prevent, and investigate fraudulent activity, unauthorized lead generation, or security breaches.

SECTION 4. SHARING AND DISCLOSURE OF PERSONAL INFORMATION

We do not sell your information to unauthorized parties. However, to provide our referral and comparison services, we disclose your Personal Information in the following circumstances:

1. Disclosure to Named Authorized Partners & Service Providers: By submitting your inquiry, you expressly acknowledge and agree that your information may be disclosed, transferred, or sold to our designated operating affiliates and participating financial/insurance partners—specifically including Better Debt Solutions, Lendvia, Better Rise Capital, and Better Tax Relief—as well as licensed insurance agents, debt settlement providers, and lead aggregators (collectively, "Authorized Partners"). These Authorized Partners may contact you directly to offer quotes and services.

2. Third-Party Service Providers: We share data with vendors who perform essential functions on our behalf, including website hosting, data verification, DNC database scrubbing, and TCPA consent archival.

3. Legal Compliance & Protection: We reserve the right to disclose your information if required by law, subpoena, court order, or to defend against TCPA litigation or regulatory enforcement actions.

4. Corporate Transfers: In the event of a merger, acquisition, asset sale, or bankruptcy, user data may be transferred to the acquiring entity as part of business assets.

SECTION 5. TELEMARKETING SOLICITATION, AUTOMATED COMMUNICATIONS & DNC OVERRIDE

5.1 Prior Express Written Consent. When you submit your telephone number on our Site, you provide your explicit "prior express written consent" under 47 C.F.R. § 64.1200(f)(9) and the Federal Trade Commission's Telemarketing Sales Rule (16 C.F.R. Part 310) authorizing us and our named Authorized Partners (including Better Debt Solutions, Lendvia, Better Rise Capital, and Better Tax Relief) to contact you for marketing and promotional purposes.

5.2 Automated Technology & Methods. You agree that calls and text messages (SMS/MMS) may be delivered using an automatic telephone dialing system (ATDS), automated text messaging protocols, or artificial/prerecorded voice technology. You understand that your consent is voluntary and is NOT a required condition of purchasing any property, goods, or services.

5.3 Do-Not-Call (DNC) Override.. YOUR SUBMISSION CONSTITUTES AN EXPRESS AFFIRMATIVE WAIVER AND OVERRIDE OF ANY REGISTRATION OF YOUR TELEPHONE NUMBER ON ANY CORPORATE, STATE, OR NATIONAL DO-NOT-CALL REGISTRY. WE AND OUR AUTHORIZED PARTNERS ARE FULLY PERMITTED TO CONTACT YOU AT THE NUMBER PROVIDED NOTWITHSTANDING ANY PRIOR DNC REGISTRATION.

SECTION 6. REVOCATION OF CONSENT & DO-NOT-CALL OPT-OUT PROCEDURES

We respect your right to stop receiving marketing communications. In accordance with updated Federal Communications Commission (FCC) revocation rules (47 C.F.R. § 64.1200(a)(10)):

  • Text Message Revocation: You may revoke consent to receive automated text messages at any time by replying "STOP", "QUIT", "END", "CANCEL", or "UNSUBSCRIBE" to any text message sent by us or our Authorized Partners. This constitutes a per se reasonable opt-out request under federal law.
  • Confirmation Text: Upon receiving an opt-out text, you may receive a one-time text message confirming that your revocation request has been processed. In accordance with FCC regulations, this confirmation message will contain no promotional copy and will be delivered promptly.
  • General Opt-Out Requests: You may also revoke telemarketing consent or request placement on our internal Do-Not-Call list by emailing info@theseniorquotes.com or privacy@theseniorquotes.com with your full name and telephone number.
  • Processing Timelines: We will process and record all do-not-call and revocation requests across our internal systems within a reasonable timeframe not to exceed ten (10) business days from receipt.

SECTION 7. CALIFORNIA PRIVACY RIGHTS (CCPA / CPRA)

If you are a resident of California, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with specific rights regarding your Personal Information:

1. Right to Know / Access: You have the right to request a disclosure of the categories and specific pieces of Personal Information we have collected, used, disclosed, or sold about you over the past 12 months.

2. Right to Delete: You have the right to request that we delete Personal Information collected from you, subject to certain statutory exceptions (such as legal retention requirements under TCPA compliance rules).

3. Right to Correct: You have the right to request the correction of inaccurate Personal Information.

4. Right to Opt-Out of Sale or Sharing: Under CCPA/CPRA, transferring leads to Authorized Partners for marketing purposes may constitute a "sale" or "sharing" of data. You have the right to opt out of the sale or sharing of your Personal Information by clicking our "Do Not Sell or Share My Personal Information" link or by emailing privacy@theseniorquotes.com.

5. Non-Discrimination: We will not discriminate against you (via pricing, service levels, or denial of access) for exercising any of your CCPA/CPRA rights.

SECTION 8. DATA RETENTION & SECURITY

We retain your Personal Information and TCPA consent records (including Jornaya/TrustedForm certificates and IP logs) for as long as necessary to fulfill the commercial purposes outlined in this policy, enforce our Terms of Use, resolve legal disputes, and demonstrate compliance with statutory Do-Not-Call and TCPA defense requirements. While we employ commercially reasonable administrative, physical, and technical safeguards, no internet transmission is 100% secure, and we cannot guarantee absolute security.

SECTION 9. CHILDREN'S PRIVACY

Our Site is intended solely for adult consumers aged 18 and older. We do not knowingly collect or solicit Personal Information from individuals under 18 years of age.

SECTION 10. CHANGES TO THIS PRIVACY POLICY

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated "Last Updated" date and will become effective immediately upon posting.

SECTION 11. CONTACT US

If you have any questions, concerns, or opt-out requests regarding this Privacy Policy or our information practices, please contact us at:

The Senior Quotes, Inc. Legal & Privacy Department Email: privacy@theseniorquotes.com / info@theseniorquotes.com