Terms, Messaging Terms & Privacy Policy

Overview

Terms and Policy Scope

These Terms and Conditions, Messaging Terms, and Privacy Policy apply to the website, forms, advertisements, communications, and services operated by Purple Nana LLC, doing business as Get A Policy Now (“Get A Policy Now,” “we,” “our,” or “us”).

By visiting our website, submitting a form, scheduling an appointment, requesting information, communicating with us, or using our services, you acknowledge that you have read and understood this page.

Part I

General Terms and Conditions

1. About Get A Policy Now

Get A Policy Now is an independent insurance agency. We help consumers explore insurance and protection products that may include term life, whole life, final expense, mortgage protection, property and casualty, health-related products, and other products available through licensed insurance carriers.

2. Acceptance of Terms

Your use of this website is subject to these terms and applicable laws. Please discontinue use of the website when you do not agree with these terms.

3. Accuracy of Information

You agree to provide accurate, complete, and current information when requesting a quote, completing an assessment, submitting an application, or communicating with our representatives.

Inaccurate or incomplete information may affect product recommendations, quote accuracy, underwriting decisions, policy issuance, claim eligibility, or policy validity.

4. Electronic Communications and Signatures

When you choose to conduct business electronically, you consent to receive documents and communications electronically. Electronic records and signatures may have the same legal effect as paper records and handwritten signatures, subject to applicable law.

5. Changes to These Terms

We may update these terms periodically. Revised terms will be posted on this page with a new effective or last-updated date.

Insurance Disclosures

Coverage, Quotes, and Licensing

6. No Guarantee of Coverage

Submitting a form, receiving a preliminary quote, completing an insurance assessment, or speaking with a representative does not guarantee approval, a particular premium, immediate coverage, or availability of a particular product, rider, or benefit.

Coverage becomes effective only after all required materials have been completed, the carrier has approved the application, any required premium has been received, and the carrier has issued or activated the policy according to its terms.

7. General Information Only

Website content, advertisements, educational materials, emails, text messages, and consultations provide general insurance information. They do not constitute legal, tax, accounting, investment, or individualized financial advice.

8. Carrier Documents Control

Policy terms, limitations, exclusions, waiting periods, riders, benefits, premium obligations, and claim requirements are governed by the applicable insurance contract and official carrier documentation.

9. Licensing and Availability

Get A Policy Now and its representatives may solicit or transact insurance only in jurisdictions where the applicable licenses and appointments are maintained. Product availability may depend on state, age, health, financial suitability, residency, underwriting guidelines, and carrier requirements.

Website Terms

Permitted Use and Third-Party Services

10. Permitted Use

You agree to use the website only for lawful purposes. You may not:

• Submit fraudulent, false, or misleading information.
• Attempt unauthorized access to the website or related systems.
• Interfere with website security, availability, or performance.
• Scrape, copy, sell, or commercially exploit website content without permission.
• Impersonate another individual or organization.

11. Intellectual Property

Website content, branding, graphics, videos, downloadable resources, and original materials are owned by or licensed to Purple Nana LLC unless otherwise stated. Personal, noncommercial use is permitted. Commercial reproduction or distribution requires prior written permission.

12. Third-Party Websites and Providers

Our website may link to insurance carriers, scheduling systems, payment processors, advertising platforms, social media platforms, or other third-party services. Those services operate under their own terms and privacy practices.

13. Limitation of Liability

To the extent permitted by law, Purple Nana LLC and Get A Policy Now are not liable for indirect, incidental, special, punitive, or consequential damages arising from website use, third-party services, carrier underwriting decisions, delayed communications, or events beyond our reasonable control.

Part II

Text Message and Telephone Communication Terms

14. Marketing Consent

When you affirmatively check a marketing consent box and submit a form, you provide prior express written consent to receive recurring marketing and promotional text messages and telephone calls from Purple Nana LLC, doing business as Get A Policy Now, at the telephone number you provided.

Communications may use automated technology, an automatic telephone dialing system, prerecorded or artificial voice technology, or artificial intelligence. Consent is not a condition of purchasing any product or service.

15. Message Types

Depending on the consent you provide, communications may include:

• Responses to information requests.
• Appointment confirmations and reminders.
• Insurance assessment, quote, or application updates.
• Educational insurance information.
• Requested resource delivery.
• Promotional messages, special offers, and service updates.

16. Message Frequency and Charges

Message frequency varies based on your requests, appointments, application activity, and communication preferences. Message and data rates may apply according to your wireless plan.

17. Opting Out

You may opt out of text messages at any time by replying STOP. You may receive one final confirmation message. Additional marketing messages will stop unless you later provide new consent.

Opting out of marketing texts does not cancel an insurance policy, application, appointment, or another communication that may be permitted or required through a different channel.

18. Help and Support

Reply HELP to any text message for assistance. You may also email [email protected] or call (833) 773-1118.

19. Delivery and Carrier Responsibility

Message delivery may depend on your device, wireless carrier, network availability, and messaging platform. Wireless carriers are not liable for delayed or undelivered messages.

20. Telephone Number Responsibility

You represent that you are the subscriber or customary user of the telephone number provided and are authorized to provide consent for that number. Please notify us when the number changes or is reassigned.

21. Consent Records

We may retain records of the date and time consent was provided, the form or page used, the disclosure shown, the telephone number submitted, technical records associated with the submission, and subsequent opt-out or revocation activity.

Part III

Privacy Policy

22. Information We Collect

We may collect information that you voluntarily provide, including:

• Name, email address, telephone number, and mailing address.
• State of residence, date of birth, or age range.
• Appointment preferences and insurance interests.
• Requested coverage amount and beneficiary-related information.
• General health, underwriting, homeownership, mortgage, driver, or vehicle information.
• Form responses, application details, and communications with our team.
• Consent records and communication preferences.

Please avoid submitting Social Security numbers, payment card data, medical records, or other highly sensitive information through a general contact form unless a secure process specifically requests the information.

23. Information Collected Automatically

Our website and service providers may automatically collect IP address, browser and device information, operating system, referral source, pages viewed, dates and times of visits, website interactions, cookies, and approximate location inferred from technical information.

24. How We Use Information

We may use collected information to:

• Respond to inquiries and deliver requested resources.
• Schedule and manage appointments.
• Provide insurance education and preliminary quotes.
• Connect consumers with appropriately licensed representatives.
• Facilitate insurance applications and carrier communications.
• Provide customer service and permitted communications.
• Improve website performance, advertising, and services.
• Prevent fraud, maintain records, and satisfy legal or regulatory obligations.

25. Insurance Carriers and Application Processing

Information may be provided to insurance carriers, general agencies, underwriting vendors, licensed representatives, and entities involved in evaluating or processing a requested insurance product.

26. Service Providers

We may use service providers for website hosting, customer relationship management, scheduling, email, text messaging, telephone communications, call recording, electronic signatures, analytics, advertising, cybersecurity, data storage, and insurance application processing.

Mobile Privacy

Mobile Information and SMS Consent Protection

We may disclose mobile information to vendors that help operate our messaging program, including telecommunications providers, messaging platforms, customer relationship management providers, and technical service providers. Those providers may use the information only to perform services on our behalf.

These mobile-information protections apply regardless of another information-sharing provision contained in this Privacy Policy.

27. Sale of Personal Information

Get A Policy Now does not sell personal information in exchange for monetary compensation. We do not sell or share mobile phone numbers or SMS consent records for third-party marketing.

28. Cookies, Analytics, and Advertising

We may use cookies, pixels, and similar technologies to operate the website, remember preferences, measure traffic, understand website use, improve advertising performance, and detect technical or security issues.

We may receive information when you interact with advertisements or lead forms hosted by platforms such as Facebook, Instagram, Google, or other advertising providers.

29. Call Recording and AI-Assisted Communications

Calls may be monitored or recorded for quality assurance, training, documentation, security, and compliance when permitted by law. Automation or artificial intelligence may assist with inquiry routing, preliminary responses, scheduling, transcription, summaries, customer service, or disclosed automated communications.

30. Data Security and Retention

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No online system or transmission method can be guaranteed completely secure.

Information may be retained for as long as reasonably necessary to provide services, maintain consent and opt-out records, support insurance transactions, satisfy legal or carrier requirements, resolve disputes, prevent fraud, and enforce agreements.

Consumer Rights

Your Privacy and Communication Choices

31. Privacy Requests

Depending on your state and applicable law, you may have rights to request access, correction, deletion, or a copy of certain personal information. You may also have rights concerning targeted advertising, certain data sharing, consent withdrawal, or automated decision review.

We may need to verify your identity before completing a request. Legal, regulatory, carrier, or record-retention exceptions may apply.

32. Email Marketing

You may unsubscribe from marketing emails by using the unsubscribe link in the email. Service-related, application-related, policy-related, or legally required communications may still be delivered when permitted.

33. Children’s Privacy

The website is intended for adults and is not directed to children under 13. Information concerning a minor may be provided by a parent, legal guardian, or another authorized adult when requesting an insurance product covering the minor.

34. Legal Disclosures

We may disclose information to comply with applicable law, legal process, regulatory requests, fraud investigations, security obligations, business transfers, or efforts to protect consumers and our organization. Mobile opt-in data remains subject to the restrictions stated above.

Contact

Contact Get A Policy Now

Questions concerning these terms, privacy practices, or communication preferences may be directed to: