Privacy Policy

LicenseEvo ("we," "us," or "our") operates the website located at licenseevo.com and the associated insurance licensing education platform (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our Service. By accessing or using the Service, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the Service immediately.

1. Information We Collect

1.1 Personal Information

When you create an account, enroll in courses, or interact with our Service, we may collect the following personal information:

• •Full name, email address, and phone number
• •Mailing address and state of residence
• •Date of birth and Social Security Number (when required for state licensing purposes)
• •Insurance license number and National Producer Number (NPN)
• •Payment and billing information (processed securely by our payment processor)
• •Employer or agency affiliation details
• •Profile photographs or identification documents you voluntarily provide

1.2 Usage Data

We automatically collect certain information when you access or use our Service, including:

• •IP address, browser type, and operating system
• •Device identifiers and screen resolution
• •Pages visited, time spent on pages, and navigation paths
• •Course progress, quiz scores, and completion records
• •Referring URLs and search terms used to find our Service
• •Date and time stamps of interactions

1.3 Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect usage data, remember your preferences, and improve your experience. For detailed information about the types of cookies we use and how to manage them, please visit our Cookie Policy.

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Account Management

• •Create, maintain, and secure your account
• •Verify your identity and eligibility for insurance licensing courses
• •Process payments and manage subscriptions

2.2 Course Delivery

• •Provide access to pre-licensing education, continuing education, and exam preparation courses
• •Track course progress, quiz results, and completion status
• •Generate certificates of completion and report completions to state regulatory bodies as required
• •Personalize your learning experience and recommend relevant courses

2.3 Communication

• •Send transactional emails such as enrollment confirmations, course reminders, and completion certificates
• •Provide customer support and respond to inquiries
• •Send marketing communications about new courses, promotions, and platform updates (with your consent)

2.4 Analytics and Improvement

• •Analyze usage trends to improve course content and platform functionality
• •Monitor and enhance the security and performance of our Service
• •Conduct research and development to build new features
• •Comply with legal obligations and enforce our terms of service

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

3.1 Education and Regulatory Bodies

We share course completion data, exam scores, and student identification information with state departments of insurance, regulatory agencies, and approved education providers as required for insurance licensing and continuing education credit. This reporting is mandated by state law and is necessary for you to receive proper licensing credit.

3.2 Payment Processors

We use third-party payment processors to handle transactions securely. Your payment information is transmitted directly to these processors and is not stored on our servers. These processors adhere to PCI-DSS standards.

3.3 Service Providers

We engage trusted third-party companies to perform services on our behalf, including hosting, email delivery, analytics, and customer support. These providers have access to your information only to perform their designated functions and are contractually obligated to protect it.

3.4 Agency Partners

If your employer or insurance agency has enrolled you in courses through our platform, we may share your progress and completion data with your designated agency administrator.

3.5 Legal Requirements

We may disclose your information if required to do so by law, in response to a subpoena, court order, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

• •SSL/TLS encryption for all data transmitted between your browser and our servers
• •Encrypted storage of sensitive personal data at rest
• •Secure password hashing using modern cryptographic algorithms
• •Regular security assessments and vulnerability monitoring
• •Role-based access controls limiting employee access to personal data
• •Automated backup and disaster recovery procedures

While we strive to protect your personal information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security, but we are committed to promptly addressing any suspected data breach and notifying affected users in accordance with applicable law.

5. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

5.1 Access and Portability

You may request a copy of the personal information we hold about you in a structured, commonly used, and machine-readable format.

5.2 Correction

You may update or correct inaccurate personal information through your account settings or by contacting us directly.

5.3 Deletion

You may request deletion of your personal information, subject to certain exceptions. Please note that we may be required to retain certain data for regulatory compliance, such as course completion records mandated by state departments of insurance.

5.4 Opt-Out of Marketing

You may opt out of receiving promotional emails by clicking the "unsubscribe" link in any marketing email or by updating your communication preferences in your account settings. Please note that even if you opt out of marketing emails, we may still send you transactional messages related to your account and course enrollments.

6. Cookie Policy

Our Service uses cookies and similar technologies to provide core functionality, analyze usage patterns, and deliver personalized content. We use the following categories of cookies:

• •Essential cookies — required for authentication, security, and basic platform operation
• •Functional cookies — remember your preferences and settings
• •Analytics cookies — help us understand how visitors use our Service

For a detailed breakdown of the cookies we use, their purposes, and how to manage your cookie preferences, please see our full Cookie Policy.

7. Children's Privacy

Our Service is not directed at individuals under the age of 18. We do not knowingly collect personal information from children under 18. Insurance licensing education is designed for adults who are eligible to obtain insurance licenses in their respective states. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete that information promptly. If you believe a child under 18 has provided us with personal information, please contact us at privacy@licenseevo.com.

8. Third-Party Links

Our Service may contain links to third-party websites, including state department of insurance portals, exam scheduling services, and partner platforms. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policy of every site you visit. A link to a third-party website does not constitute an endorsement of that site's privacy practices.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• •Account data is retained for the duration of your active account and for a reasonable period afterward to allow for reactivation
• •Course completion records may be retained indefinitely as required by state insurance regulatory agencies for licensing verification
• •Payment records are retained for the period required by applicable tax and financial regulations
• •Usage data is typically retained in an aggregated or anonymized form for analytics purposes

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data retention schedules.

10. International Data Transfers

Our Service is primarily operated in the United States. If you access our Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our servers or service providers are located. These countries may have data protection laws that differ from those in your jurisdiction. By using our Service, you consent to the transfer of your information to the United States and other jurisdictions as described in this Privacy Policy. We take appropriate safeguards to ensure that your personal information remains protected in accordance with this Privacy Policy.

11. California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information:

• •Right to Know — You may request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purpose for collecting it, and the categories of third parties with whom we share it.
• •Right to Delete — You may request deletion of your personal information, subject to certain exceptions under applicable law.
• •Right to Opt-Out — We do not sell your personal information. If this practice changes, we will provide a "Do Not Sell My Personal Information" link and update this policy accordingly.
• •Right to Non-Discrimination — We will not discriminate against you for exercising your CCPA rights. You will not receive different pricing or quality of service for making a privacy request.

To exercise any of these rights, please contact us at privacy@licenseevo.com. We will verify your identity before processing your request and respond within 45 days as required by law.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will notify you by posting the updated policy on this page with a revised "Last updated" date. We may also send you an email notification or display a prominent notice on our Service for significant changes. We encourage you to review this Privacy Policy periodically. Your continued use of the Service after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• •Email: privacy@licenseevo.com
• •Website: licenseevo.com

We aim to respond to all privacy-related inquiries within 30 business days.