Privacy Policy
Evermore ("we", "us") runs a service that connects people who ask about life insurance with licensed life insurance agents by phone. This policy explains what we collect, how we use it, who we share it with, and the choices you have. It covers two groups: agents who use our service, and prospects, meaning people who ask us about life insurance.
Information we collect
From agents
- Name, mobile phone number, and email address.
- The states you are licensed in, the products you sell, and the hours and timezone you take calls.
- Your agreement to our terms and your consent to receive text messages, with the time, IP address, and browser details of that consent.
- Account activity: calls delivered to you, prepaid credits, charges, disputes, and the replies you text us. Card payments are handled by our payment processor. We do not store card numbers.
From prospects
- Name, phone number, state, age, tobacco use, and the coverage you are interested in.
- Recordings and transcripts of your calls with us.
- Your consent to be contacted, and details about the ad or form you responded to.
How we use information
- Delivering screened calls. We ask prospects a few questions, then connect them by phone to an available agent who is licensed in their state.
- Billing. We track agents' prepaid credits, per-call charges, and disputes.
- Compliance records. We keep records of consent, call recordings, do-not-call requests, and account changes.
- Advertising measurement. To learn which ads lead to calls and sales, we send advertising platforms hashed (one-way scrambled) contact details, such as a hashed phone number or email address, along with ad click and lead form identifiers. We never send them unhashed contact details for this purpose.
- Running the service. We use information to answer questions, send account messages, fix problems, and prevent abuse.
How we share information
- With the licensed agent who takes a prospect's call: the prospect's name, phone number, state, age, answers, and a link to the call recording.
- With service providers that host our systems and run our phone calls, text messages, and payments, only so they can provide those services to us.
- With advertising platforms, in hashed form only, to measure ads as described above.
- When the law requires it, or to protect our rights, our users, or the public.
Text messages
Agents who sign up agree to receive text messages from Evermore about lead deliveries and their account. Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out, or reply HELP for help. You can also email kellen@outlierestates.com. See the text messaging section of our Terms of Service for details.
We do not share, sell, or provide your mobile phone number or messaging consent data to third parties or affiliates for marketing or promotional purposes.
How long we keep information
We keep agent account and billing records while your account is open, and afterward as long as we need them for tax, accounting, and legal purposes. We keep prospect records, consent records, and call recordings as long as we need them to deliver and bill calls, resolve disputes, and meet our legal and compliance obligations. After that we delete them or remove the details that identify you.
Your choices and rights
- To see, correct, or delete your information, email kellen@outlierestates.com. We will confirm your request and respond within a reasonable time. We may keep records the law requires us to keep, such as consent, do-not-call, and billing records.
- Prospects can ask us not to call again at any time, on a call or by email.
- Agents can stop text messages at any time by replying STOP.
Depending on where you live, you may have other privacy rights. Email us to use them.
Security
We protect information with reasonable safeguards, including encrypted connections and restricted access. No system is perfectly secure.
Children
Our service is not for anyone under 18, and we do not knowingly collect information from children.
Changes to this policy
If we change this policy, we will post the new version on this page and update the effective date.
Contact
Evermore: kellen@outlierestates.com