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Terms of Service & Privacy Policy

Please read these terms carefully. By using our website or services you agree to the terms outlined below. Last updated: 2024.

Last Updated: 2024 · Purple Nana LLC DBA Get A Policy Now

1 Terms of Service

Welcome to Get A Policy Now, operated by Purple Nana LLC ("Company," "we," "us," or "our"). By accessing or using our website located at getapolicynow.com and any related services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

1.1 Services

Get A Policy Now is an independent insurance agency. We provide insurance consultation, quote assistance, and policy placement services across multiple product lines including life insurance, final expense insurance, property and casualty insurance, and related products. We act as a licensed agent representing the interests of our clients in obtaining insurance coverage from various carriers.

1.2 Eligibility

By using our website and services you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. Our services are available to residents of the states in which our agents hold active licenses.

1.3 No Guarantee of Coverage

Use of our website or submission of a quote request does not guarantee the issuance of an insurance policy. All coverage is subject to carrier underwriting, eligibility requirements, and applicable state regulations. Final policy terms, premiums, and coverage amounts are determined by the insurance carrier.

1.4 Accuracy of Information

You agree to provide accurate, complete, and current information when requesting quotes or completing applications. Providing false or misleading information may result in policy cancellation, denial of claims, or legal liability. We are not responsible for outcomes resulting from inaccurate information provided by you.

1.5 Intellectual Property

All content on this website — including text, graphics, logos, images, and design — is the property of Purple Nana LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.

1.6 Limitation of Liability

To the fullest extent permitted by law, Purple Nana LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claim shall not exceed the amount paid by you, if any, for the specific service giving rise to the claim.

1.7 Third-Party Links

Our website may contain links to third-party websites including insurance carrier portals, quote platforms, and partner services. We are not responsible for the content, privacy practices, or terms of these third-party sites. Your use of any third-party site is at your own risk.

1.8 Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page. Your continued use of our website following any changes constitutes your acceptance of the revised terms.

1.9 Governing Law

These terms shall be governed by and construed in accordance with the laws of the state in which Purple Nana LLC is registered, without regard to conflict of law provisions.

2 Privacy Policy

Your privacy is important to us. This Privacy Policy explains how Purple Nana LLC DBA Get A Policy Now collects, uses, and protects your personal information when you visit our website or use our services.

2.1 Information We Collect

We may collect the following types of information:

  • Personal identification information — name, email address, phone number, date of birth
  • Health and lifestyle information provided for insurance quoting purposes
  • Financial information necessary for policy applications
  • Device and usage data — IP address, browser type, pages visited, time on site
  • Communication records — emails, form submissions, and appointment bookings

2.2 How We Use Your Information

We use the information we collect to:

  • Provide insurance quotes, consultations, and policy placement services
  • Communicate with you regarding your inquiry, appointment, or policy
  • Send you relevant information about our products and services
  • Comply with applicable insurance regulations and legal requirements
  • Improve our website, services, and client experience
  • Process and fulfill service requests submitted through our website

2.3 How We Share Your Information

We may share your information with:

  • Insurance carriers for the purpose of obtaining quotes and placing coverage
  • Service providers who assist us in operating our business and website
  • Regulatory authorities and government bodies as required by law
  • Business partners involved in delivering our services to you

All the above categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties, excluding aggregators and providers of the text messaging services.

2.4 Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed we will securely delete or anonymize it.

2.5 Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

2.6 Your Rights

Depending on your state of residence, you may have the right to access, correct, delete, or restrict processing of your personal information. To exercise these rights, please contact us using the information provided at the bottom of this page. We will respond to your request within the timeframe required by applicable law.

2.7 Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance your experience, analyze site traffic, and support marketing efforts. You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain parts of our website.

2.8 Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor without parental consent, we will take steps to delete that information promptly.

3 SMS & Communications Consent

By providing your phone number and submitting a form on our website, scheduling an appointment, or otherwise engaging with our services, you consent to receive communications from Get A Policy Now including text messages (SMS), phone calls, and emails.

3.1 SMS Communications

Message Frequency: Message frequency may vary based on your inquiry and our follow-up process.

Message & Data Rates: Msg & data rates may apply depending on your carrier and plan.

To Unsubscribe: Reply STOP at any time to unsubscribe from SMS communications.

For Help: Reply HELP for assistance or contact us directly at the information below.

3.2 Nature of SMS Communications

SMS messages from Get A Policy Now may include:

  • Appointment reminders and confirmations
  • Follow-up messages regarding your insurance inquiry
  • Information about products and services you have expressed interest in
  • Important updates related to your policy or application

3.3 Opt-In Data

Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the text messaging services used to deliver our communications.

3.4 Consent Not Required for Purchase

Consent to receive SMS or other electronic communications is not a condition of purchasing any insurance product or service from Get A Policy Now. You may opt out at any time without affecting your ability to receive our insurance services.

3.5 Email Communications

By submitting your email address through our website or booking system, you consent to receive email communications from us. You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in any email or by contacting us directly. Transactional emails related to your active inquiry or policy may still be sent as necessary.

4 Insurance Disclaimer

Get A Policy Now is an independent insurance agency licensed in multiple states. We do not underwrite insurance policies. All policies are underwritten by the respective insurance carriers. Coverage availability, terms, and premiums vary by carrier, product, state, and individual eligibility.

Nothing on this website constitutes a binding insurance contract or guarantee of coverage. Policy details, exclusions, and conditions are outlined in the official policy documents issued by the insurance carrier.

4.1 Carrier Relationships

As an independent agency we work with multiple insurance carriers. We may receive compensation from carriers when a policy is placed. This compensation does not affect the rates you pay — insurance premiums are regulated by state insurance departments.

4.2 Licensing

Our agents are licensed in the states in which they conduct business. We do not conduct insurance business in states where we are not licensed. If you are a resident of a state where we do not hold a license, we are unable to provide insurance services to you at this time.