Privacy Policy

This Privacy Policy explains how Fuego Leadz LLC ("Fuego Leadz," "Fuego," "we," "us," or "our") collects, uses, discloses, and protects personal information. It applies to fuegoleadz.com, our lead-capture forms and landing pages, our marketplace and agent portal, and any related services that link to this policy (together, the "Services").

Fuego Leadz LLC is a lead-generation marketplace. We run our own opt-in advertising and collect consumer information through our own forms, then connect consumers with the independent, licensed insurance agents we work with, who contact them about coverage by phone and, where separately consented, by text message. We are not an insurance agency, insurer, or licensed producer, and we do not sell insurance to consumers. We want to be direct about this: when you ask to be connected, we share the information you submit with one or more independent, licensed insurance agents who will call and, with separate consent, text you. Sections of this policy below explain that practice, the categories of information involved, and your right to opt out.

This policy applies to residents of all U.S. states. Because privacy rights differ by state, we include a stacked set of state-specific sections later in this document, plus a dedicated California section. If you are a resident of a state with its own privacy law, read both the universal sections and the section that applies to your state.

This policy is provided for product and informational purposes. Questions about this policy can be sent to support@fuegoleadz.com or mailed to Fuego Leadz LLC, 5728 Major Blvd, Orlando, FL 32819.

At or before the point we collect your personal information, we provide a notice at collection. This Privacy Policy, together with the short notice presented on each lead form, serves as that notice. It tells you the categories of personal information and sensitive personal information we collect, the purpose for each category, whether each category is shared, how long we keep it, and how to exercise your rights.

When you submit a lead form, you are giving your information directly to Fuego Leadz, and you are doing so with the understanding that it will be shared with the independent, licensed insurance agents who will contact you about coverage. The notice on the form links back to this full policy and to our Your Privacy Choices page, where you can opt out of the sharing of your information for cross-context behavioral advertising.

We do not collect more categories of personal information, or use them for materially different purposes, than those described in this notice without first providing an updated notice.

We collect the following categories of personal information, mapped to the statutory categories used in California's privacy law and recognized across other state laws:

Identifiers: name, postal address, email address, telephone and mobile number, IP address, online identifiers, and similar identifiers.

Customer records and contact information: the contact and demographic details a consumer provides on a form, and, for agents, business name, billing details, and National Producer Number (NPN).

Internet and other network activity: information about how you interact with our sites and ads, including cookies, pixels, device identifiers, browser type, pages viewed, and the source URL of the form you submitted.

Geolocation data: general, approximate location derived from IP address or area code. We do not collect precise geolocation unless a form specifically requests it and you provide it.

Commercial information and inferences: your insurance interest, the type of coverage you are seeking, and inferences drawn to match you with an appropriate licensed agent.

Sensitive personal information: see the dedicated section below. This may include health-related answers, financial information, and any government identifier you choose to provide.

Consent provenance: for each lead, we capture and store the exact consent and disclosure language presented to the consumer, the timestamp, the IP address, the originating URL, the campaign and source, and, where available, a third-party consent certificate (such as TrustedForm or Jornaya).

Some of the information we collect is treated as sensitive personal information under California law and as sensitive data under the Virginia-model state privacy laws. Because our forms relate to insurance, the answers consumers provide can reveal health or medical information and financial information, and a form may, in limited cases, request a government identifier.

We collect sensitive information for a single, clearly disclosed purpose: to generate and verify an insurance inquiry and to connect the consumer with an independent, licensed insurance agent who can discuss appropriate products. In every state that requires it, we capture an affirmative opt-in for sensitive information on the form itself, logged with a timestamp.

In states following the Virginia model, insurance health questions are treated as sensitive data and require opt-in consent before collection. Where state law restricts or prohibits the sale of certain sensitive data (for example, Maryland's strong limits on selling sensitive and health data), we apply those restrictions to residents of that state. You may limit our use of your sensitive personal information at any time through our Your Privacy Choices page.

Directly from you: most information comes straight from the opt-in forms and landing pages you complete, and from the messages you send us.

Automatically: we and our analytics and advertising partners collect online activity through cookies, pixels, tags, and similar technologies when you visit our sites or interact with our ads.

From service providers and partners: we may receive information from the advertising platforms that serve our own campaigns, and, where used, from lead-verification, list-hygiene, or data-enrichment vendors that help us confirm the accuracy of a submission. If our sourcing ever changes to include information not collected through a direct relationship with the consumer, we will update this policy and re-evaluate our obligations under applicable law.

We use the personal information we collect to: generate and verify insurance inquiries; connect consumers with the independent, licensed insurance agents we work with; share the information a consumer submits with those agents so they can contact the consumer by phone and, with separate consent, by text message; capture and document consent (including prior express written consent for marketing contact); scrub against the National Do Not Call Registry and applicable internal and state do-not-call lists; prevent fraud and abuse; measure and improve our own advertising; and operate, secure, and support the Services.

For agents who use the marketplace and portal, we also use information to create and manage accounts, verify licensure and NPN, process payments through our payment processor, deliver inquiries they have requested, and provide customer support.

We want to state plainly: when a consumer asks to be connected, the information they submit will be shared with one or more independent, licensed insurance agents who will call and, with separate consent, text them about coverage. This serves as both a privacy disclosure and as part of the consent record supporting that contact. We do not sell your personal information for money.

We do not sell your personal information for money. When you ask to be connected, we share the information you submit with the independent, licensed insurance agents who will contact you about coverage. We do not share your contact information with unaffiliated third parties for their own marketing.

Over the preceding twelve months, the categories of personal information we have shared in this way are: identifiers (name, postal and email address, phone and mobile number); customer records and contact information; commercial information and inferences (insurance interest and coverage type); and, with the consumer's consent, sensitive information related to the insurance inquiry. These categories are shared with the independent, licensed insurance agents who respond to a consumer's request.

Separately, some state privacy laws define "sharing" broadly to include the use of advertising cookies and pixels for cross-context behavioral advertising on our own website. To the extent that applies, we share identifiers and internet and network activity with our advertising service providers and their measurement tools so we can deliver and measure our own advertising. We treat the advertising platforms we use (such as Google and Microsoft) as our service providers for our own advertising and measurement, not as buyers of your data. We do not sell or share the personal information of consumers we know to be under 18.

You have the right to opt out of this sharing for cross-context behavioral advertising at any time. See the section on your rights and our Your Privacy Choices page.

Independent, licensed insurance agents: the agents who receive a consumer's submitted information so they can contact the consumer about coverage. These are the recipients of the inquiries a consumer asks us to connect them with.

Advertising service providers: the platforms that serve our own advertising, and their analytics and measurement tools, who act as our service providers to operate cookies and pixels on our own website and measure the performance of our own advertising. They are contractually limited to processing this information on our behalf.

Service providers that operate the Services: our payment processor (Stripe); messaging and 10DLC providers used for our own SMS program (such as Twilio or GoHighLevel); lead-verification and do-not-call scrubbing vendors; analytics providers; hosting, security, and CRM providers; and the delivery integrations an agent chooses to connect, such as a spreadsheet export or a webhook.

Legal and safety recipients: courts, regulators, and law enforcement where required by law, and parties to a corporate transaction such as a merger or acquisition, subject to this policy.

Rhode Island residents: a categorized list of the third parties to whom we disclose personal information is included in the Rhode Island section below, as that state requires it to appear in the policy itself. Oregon residents may request a list of the specific third parties to whom we have disclosed their personal information.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

Consent to receive text messages from Fuego Leadz is handled separately from any other consent, and we treat the SMS opt-in record itself as information we do not transfer to third parties for their marketing.

This SMS no-sharing position is specific to the text-messaging program described in our SMS Terms. Where you give separate consent to be contacted, the information you submit (including your phone number) is shared with the independent, licensed insurance agents who will contact you about coverage. Those agents who text you do so under their own messaging registrations and their own consent obligations.

Our own SMS program, including opt-in, opt-out (reply STOP), help (reply HELP), message frequency, and rates, is described in our SMS Terms. For help with our SMS program you can also email support@fuegoleadz.com. Please review the SMS Terms and this Privacy Policy together before opting in to text messages.

Depending on your state of residence, you may have some or all of the following rights: the right to know and access the personal information we have collected; the right to delete your personal information; the right to correct inaccurate information; the right to data portability; the right to opt out of the sale of your personal information; the right to opt out of the sharing of your information for cross-context behavioral advertising or targeted advertising; the right to opt out of profiling that produces legal or similarly significant effects; the right to limit the use and disclosure of your sensitive personal information; the right to appeal a denied request; and the right not to receive discriminatory or retaliatory treatment for exercising any of these rights.

Some states grant additional or narrower rights. Minnesota residents may question the result of profiling and learn the reason for it. Oregon residents may request the specific third parties to whom we disclosed their information. The state-specific sections below describe these differences.

You can exercise your privacy rights through at least two designated methods: our online request form on the Your Privacy Choices page, and by email to support@fuegoleadz.com. Signed-in agents may also use account settings to access and update their information.

We will take steps to verify your identity before fulfilling a request to know, delete, or correct, in proportion to the sensitivity of the information and the risk of harm from unauthorized access. You may use an authorized agent to submit a request on your behalf; we may ask the agent for proof of authorization and may ask you to verify your own identity.

We will respond within the timeframes the law requires. For California requests, we will respond within 45 days, and may extend once by up to an additional 45 days with notice. For requests under the Virginia-model state laws, we will respond within 45 days, with one permitted extension of up to an additional 45 days. If we deny a request in a Virginia-model state, you may appeal, and we will respond to the appeal within the time that state requires; if your appeal is denied, you may contact your state attorney general.

To opt out of the sale or sharing of your personal information, or to limit the use of your sensitive personal information, visit our Your Privacy Choices page. No account is required to submit an opt-out.

We do not sell your personal information for monetary consideration. Some state privacy laws define "sharing" broadly to include the use of advertising cookies for cross-context behavioral advertising on our own website. To the extent that applies, you have the right to opt out. Our Your Privacy Choices page, titled to include "Do Not Sell or Share My Personal Information" and "Limit the Use of My Sensitive Personal Information," provides a functioning opt-out that does not require you to create an account.

We honor the Global Privacy Control (GPC). If your browser or a browser extension sends a GPC signal, we treat it as a valid request to opt out of the sharing of personal information for cross-context behavioral advertising for that browser and device, and where feasible for any consumer we can identify from it. When we process a GPC signal, we display a confirmation that the opt-out request was honored.

Opting out through GPC or our request form suppresses the advertising pixels associated with that sharing. This opt-out applies to website advertising cookies and does not affect the contact information you submit to ask to be connected, which we use only to fulfill that request. Because an opt-out is tied to a browser, device, or identifiable account, you may need to renew it if you clear cookies, change browsers, or use a different device.

We use cookies, pixels, tags, software development kits, and similar technologies to operate the Services, keep you signed in, remember preferences, measure performance, and deliver and measure our own advertising, including cross-context behavioral advertising. We use Microsoft's Universal Event Tracking (UET) tag and Google's advertising and analytics tags on this website. Through these tags, Microsoft and Google act as our service providers and may use cookies or device identifiers to show our own ads on other sites based on a user's prior visits to this website. For more information about how they handle data, see the Microsoft Privacy Statement at privacy.microsoft.com/privacystatement and Google's Privacy Policy at policies.google.com/privacy.

You can control cookies through your browser settings, though some features may not work without them. For advertising-related sharing, the most reliable controls are the Global Privacy Control and the opt-out on our Your Privacy Choices page, both described above. You can also opt out of interest-based advertising through Google Ads Settings (adssettings.google.com), the Network Advertising Initiative (optout.networkadvertising.org), and the Digital Advertising Alliance (youradchoices.com).

We retain each category of personal information only for as long as reasonably necessary for the purpose it was collected, plus any period required to meet legal, tax, accounting, and compliance obligations. The criteria we use to set retention periods include how long the information is needed to provide the Services, the limitations periods that apply to consumer-protection and telemarketing claims, and the recordkeeping rules that govern consent.

Consumer contact information is retained for a limited period after an inquiry is shared with an agent, after which it is deleted or de-identified unless a longer period is required. Consent records (including the disclosure text, timestamp, IP address, source URL, and any consent certificate) are retained for the period needed to defend telemarketing and consent claims, which we currently set at five years. Sensitive personal information is retained no longer than reasonably necessary for the disclosed purpose. Agent account and billing records are retained for the life of the account and for the period required by tax and accounting rules afterward.

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, and disclosure. These include access controls, encryption in transit, and limits on who may view sensitive records.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If we become aware of a breach affecting your personal information, we will notify you and the relevant authorities as required by law.

Our Services are intended for adults seeking insurance. We do not knowingly collect, sell, or share the personal information of anyone under 18. If we learn that we have collected such information, we will delete it.

We do not knowingly sell or share the personal information of consumers under 16 without the affirmative authorization the law requires, and information about a known child is treated as sensitive data where state law requires it.

This section supplements the rest of this policy for California residents. It describes the four notices California requires and your California rights.

Notice at collection: at or before collection, we provide the notice described in the Notice at Collection section above, including the categories of personal information and sensitive personal information we collect, the purpose for each, whether each is shared, the retention period or criteria, and a link to this policy.

Notice of the right to opt out of sale and sharing: we do not sell personal information for monetary consideration. To the extent our use of advertising cookies on our own website is considered "sharing" for cross-context behavioral advertising under California law, California residents may opt out through the clearly labeled "Do Not Sell or Share My Personal Information" control on our Your Privacy Choices page. We honor the Global Privacy Control as a valid opt-out and display a confirmation that the request was honored.

Notice of the right to limit the use of sensitive personal information: because we collect sensitive personal information related to insurance, California residents may direct us to limit its use and disclosure through the "Limit the Use of My Sensitive Personal Information" control on our Your Privacy Choices page. California permits us to combine the opt-out and limit controls under a single "Your Privacy Choices" link with the opt-out icon.

Notice of financial incentive: we generally do not offer financial incentives in exchange for personal information. If we ever offer something of value for your information (for example, a sweepstakes or gift framed as an incentive), we will provide a separate notice that includes the material terms, the categories of personal information involved, how to opt in, your right to withdraw, and a good-faith estimate of the value of your information and the method used to calculate it.

California rights and "Shine the Light": California residents have the rights to know, access, delete, correct, and to opt out of sale and sharing, as described above, and may exercise them through the two methods in the How to Exercise Your Rights section. Under California's "Shine the Light" law (Cal. Civ. Code 1798.83), California residents may request information about disclosures of personal information to third parties for their direct marketing purposes; you may make this request by emailing support@fuegoleadz.com.

Automated decision-making: if we ever use automated lead scoring or profiling that produces legal or similarly significant effects, we will disclose that use and provide an opportunity to opt out before it applies to you, consistent with California's rules. We do not discriminate or retaliate against you for exercising any California right.

This section supplements the policy for residents of states with comprehensive privacy laws that follow the Virginia model: Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Delaware, Nebraska, New Hampshire, New Jersey, Indiana, Kentucky, Maryland, Minnesota, Rhode Island, and Tennessee. In these states you generally have the rights to access, correct, delete, and port your personal information, to opt out of the sale of personal information, to opt out of targeted advertising, and to opt out of profiling that produces legal or similarly significant effects, and to appeal a denied request. We obtain opt-in consent before processing sensitive data in these states.

Colorado: we honor universal opt-out preference signals, including the Global Privacy Control, and conduct data-protection assessments where required.

Connecticut: we honor opt-out preference signals. Connecticut's expanded sensitive-data and opt-in requirements (including for the sale of identifiers such as financial account information and Social Security number) are applied to Connecticut residents as they take effect.

Utah and Iowa: these states provide opt-out rights for sensitive data rather than opt-in, and have narrower rights than the other Virginia-model states; we apply the rights each state grants.

Texas: Texas's privacy law applies broadly and without a volume threshold. We provide the conspicuous notice Texas requires for the sale of sensitive or biometric data, honor opt-out preference signals, and conduct assessments where required.

Oregon: Oregon residents may request the list of specific third parties to whom we have disclosed their personal information, in addition to the categories. Oregon restricts the sale of precise geolocation and the data of consumers under 16; we apply those restrictions.

Montana, Delaware, Nebraska, New Hampshire, and New Jersey: we honor opt-out preference signals, including the Global Privacy Control, in these states. New Jersey treats financial information and Social Security number as sensitive.

Indiana, Kentucky, and Rhode Island: these laws are in effect in 2026. Indiana and Kentucky follow the standard Virginia-model rights. Rhode Island requires the categories of third parties to whom we disclose information to appear in the policy itself; see the Rhode Island section below.

Maryland: Maryland applies strong data-minimization rules and prohibits or sharply limits the sale of sensitive personal data, including health data. For Maryland residents we do not sell sensitive or health data in a manner Maryland prohibits, and we honor opt-out preference signals.

Minnesota: Minnesota residents may question the result of profiling, learn the reason for it, and review the data used. We honor opt-out preference signals.

Tennessee: Tennessee follows the Virginia model and recognizes a NIST Privacy Framework-based affirmative defense; we maintain a privacy program consistent with that framework.

For Rhode Island residents, and as Rhode Island law requires this disclosure to appear in the policy itself, the categories of third parties to whom we disclose personal information are: the independent, licensed insurance agents who receive a consumer's submitted information to contact the consumer about coverage; and the advertising service providers and their measurement partners with whom we share information for our own targeted advertising. We do not sell personal information for monetary consideration. Rhode Island residents may exercise the rights described in the Virginia-model section above.

As of 2026, the following states require businesses to honor universal opt-out preference signals such as the Global Privacy Control: California, Colorado, Connecticut, Montana, Nebraska, New Hampshire, New Jersey, Minnesota, Maryland, Delaware, Oregon, and Texas. We honor the Global Privacy Control as a valid opt-out of the sharing of personal information for cross-context behavioral advertising for residents of these states and, as a matter of practice, more broadly.

Fuego Leadz is a marketing lead generator, not a financial institution, and the information collected through our forms is not financial-institution customer information governed by the Gramm-Leach-Bliley Act (GLBA). We do not rely on a GLBA exemption to avoid our privacy obligations, and several states have narrowed or removed the broad GLBA exemption in any event. Where insurance financial information is collected, we treat it as sensitive information as described above.

We may update this policy from time to time. Material changes are reflected in the version number and effective date at the top of this page, and we will review this policy at least every twelve months. Your continued use of the Services after a change takes effect means you accept the updated policy.

For questions about this policy, or to exercise a privacy right, email support@fuegoleadz.com, use the request form on our Your Privacy Choices page, or write to us at Fuego Leadz LLC, 5728 Major Blvd, Orlando, FL 32819.

Related documents: our Terms of Service govern your use of the marketplace and portal, our Lead Purchase Agreement governs the purchase and permitted use of inquiries, our SMS Terms govern our text-messaging program, and our Your Privacy Choices page is where you opt out of sharing for cross-context behavioral advertising and limit the use of sensitive information.