Privacy policy

BuyFEXLeads sells final expense insurance leads to licensed life insurance agents at buyfexleads.com. It is a sole proprietorship owned and run by Nick Georgalos in the United States. “We” and “us” on this page mean BuyFEXLeads.

This policy covers three groups: agents who use buyfexleads.com, the people whose details become leads on our quiz sites, finalexpensequiz.com and familybenefitcheck.com, and people who call our phone number about final expense insurance.

When you sign up and use your account, we collect:

• Your name, email address, agency name and, if you give it, your National Producer Number (NPN).
• Your mobile phone number, which you confirm with a text code.
• The states you tell us you’re licensed in, and your delivery settings (paused or live).
• Payment details. Card payments are handled by Stripe. We never see or store your full card number. Stripe gives us a customer ID, what you paid, and a card fingerprint (a code that tells us whether a card was used before, not the card number).
• Your token balance, purchases, credits and the leads delivered to you.
• What you record on your leads: Contacted, Appointment set, Sold, and the policy details you enter for a sale (face amount, premium, carrier, type, date).
• Bad-lead reports and the call recordings you upload with them.
• If you take live calls: which calls rang your phone, whether you pressed 1, how long each call lasted, and our recording of each call you took, which includes your voice.
• Sign-in and checkout records: the IP address and browser details at sign-in and at checkout. We keep these to secure accounts and to answer payment disputes.
• Acceptance records: each time you tick the box agreeing to our Terms and Refund Policy, we record when, your IP address and browser details, the versions you accepted, and the exact words of the box.
• Marketing consent records: if you tick the box to get our marketing emails and texts (for example to open the free scripts), we record when, the email and phone it covers, your IP address and browser details, and the exact words and version of the box. We also record each time you turn marketing email or texts on or off.
• Delivery records: when your tokens were added, and when each lead was assigned and sent to you by text and email.
• Your CRM connection settings: a webhook URL and its signing secret, your HighLevel location, pipeline, stage and tag choices, and the log of what we sent.
• Support chat: the messages you type in the chat on our site, the page you were on, and a scrambled (hashed) version of your IP address, never the address itself. If you ask Nick to call you back, the phone number you give and your agreement to be contacted.
• Emails you send us.

We set one cookie to keep you signed in. The chat and checkout use your browser’s session storage to remember where you were in that tab. We use a bot check from Vercel on the chat to stop abuse.

Our public pages (never the dashboard) load the Meta pixel, which tells Meta that a visit, signup or checkout happened so we can measure our own ads. When you arrive from one of our ads, a cookie keeps the ad’s campaign tags so we can see which ad led to a purchase. Our public pages also load the Google Ads tag, which records that you arrived from one of our Google ads. When you buy tokens, we tell Meta (through its Conversions API, with your email, phone and name hashed) and Google that a purchase happened and for how much, so we can see which ads pay for themselves. We don’t use other advertising or analytics trackers on buyfexleads.com.

• To run your account: sign you in, deliver leads by text, email, your dashboard and your CRM, and keep your token balance.
• To check that you’re a licensed agent and to stop fraud and repeat first-order bonuses.
• To review bad-lead and bad-call reports and payment disputes.
• To answer chargebacks and prevent fraud. We keep purchase, acceptance and delivery records, including IP address, time, the Terms version you accepted, lead delivery logs and the call recordings you send with bad-lead reports. We may use them, and share them with our payment processor (Stripe) and the card networks and banks involved, to respond to a dispute or stop fraud.
• To email you about your account: receipts, low balance, expiring tokens, and a weekly recap you can turn off.
• If you opted in, to send you marketing emails and texts about our offers, tips and new features. See the next section.
• To answer your questions in email or chat.

We send marketing emails and text messages only to agents who tick an unchecked box agreeing to them, for example to open our free script playbook. They cover offers, tips and new features from BuyFEXLeads. We send up to 6 marketing texts a month. Message and data rates may apply. Agreeing is never a condition of buying anything.

To stop marketing texts, reply STOP to any of them. Reply HELP for help. To stop marketing emails or texts, you can also switch them off in your dashboard under Settings, or email hello@buyfexleads.com. Stopping marketing doesn’t stop lead texts, lead emails or account emails, and the scripts stay open.

We don’t sell or share your phone number or your text opt-in with anyone else for their marketing. Texts are sent through Twilio and emails through Resend.

Our Meta ads send people to our final expense quiz. Before a lead reaches us, the person confirms their phone number with a text code and agrees to be contacted by licensed insurance agents about final expense insurance. We record when they agreed.

A lead can include: name, phone number, email address if given, state, ZIP code, age range, the coverage and budget they picked, who the coverage is for, tobacco use, a general health answer, when the phone was verified, and when they agreed to be contacted. Some leads also carry a TrustedForm certificate. For ad measurement we also receive technical details from the quiz visit, such as IP address, browser details and Meta click IDs.

We send each lead to one licensed agent in the person’s state. That agent receives the contact details and quiz answers listed above, by text, email, their dashboard and their CRM if they connected one. Agents never receive the IP address, browser details or Meta click IDs.

No other agent gets that lead for 30 days after delivery. After 30 days we may sell it to other licensed agents as an aged lead, as our Terms say. We don’t sell or rent consumer data to anyone else.

When an agent marks a lead Contacted, Appointment set or Sold, we send that event to Meta through its Conversions API to measure our ads. The contact details in those events are hashed (scrambled) before they leave us, and a Sold event includes the yearly premium. This includes live calls an agent took.

When you call our number, you hear a notice at the start that the call may be recorded. We then collect your phone number, its area code and the state we estimate from it, the time and length of the call, which agents we rang, and a recording of the call once an agent takes it, with both your voice and the agent’s. If no agent is free and you leave a voicemail, we keep that too.

We use this to connect you to a licensed agent in your state, to bill the agent, to settle disputes and credit requests, and for quality and compliance.

We share it with the one agent who takes your call, through their dashboard, email and CRM if they connected one, and with our phone carrier, Twilio, which carries and records the call for us. A voicemail is heard only by us. If you call again, another agent may take that call.

An agent can send their leads to a CRM with a webhook, or with our CRM app once it is available. We only send an agent’s own leads, and only to the place that agent chose. See CRM setup.

When you connect HighLevel (with our app or a private token), we store the tokens encrypted. We use them only to deliver your leads and to read the pipelines, stages and custom fields your setup needs. Disconnecting in your dashboard, or uninstalling the app in HighLevel, deletes them. Webhook signing secrets are stored encrypted too.

Once a lead is in your CRM, your CRM provider’s own privacy policy covers it.

We use these companies to run the service. They handle data for us, not for their own marketing:

• Supabase: our database and file storage.
• Vercel: hosting, and the bot check on the chat.
• Stripe: card payments and invoices.
• Twilio: phone verification codes, lead texts, marketing texts to agents who opted in, and live calls and their recordings.
• Resend: email, including marketing email to agents who opted in.
• Anthropic: the AI model that answers the support chat.
• Meta: ad measurement through the pixel and the Conversions API.
• Google: ad measurement through the Google Ads tag.
• Telegram: account and call alerts sent to Nick, including a missed caller’s number and voicemail link.

We may also share information if the law requires it, or to protect our rights. In a payment dispute, that means sending your purchase, acceptance and delivery records to Stripe, which passes them to your bank or card network.

The site runs over HTTPS. Only our server can read the database; nothing in your browser reads it directly. Call recordings sit in private storage. Live call recordings stay with Twilio, and agents play them only through their signed-in dashboard. Sign-in uses a one-time code sent to your email, so there is no password to steal. No system is perfect, so please tell us at hello@buyfexleads.com if you think something is wrong.

We keep account, payment and lead records while your account is open. Live call records and recordings are kept the same way as lead records. We keep billing, Terms acceptance and lead delivery records, including billed calls and their recordings, for at least 7 years after the purchase, for payment disputes, tax and legal records, even if you close your account or ask us to delete your data. Sign-in codes are deleted within a day. When you ask us to delete your data, we delete what we don’t need to keep for those reasons.

You can ask to see the personal information we hold about you, to correct it, or to delete it. Email hello@buyfexleads.com from the address on your account (or, for a lead or a caller, tell us the phone number you used). We’ll answer within 45 days.

You can turn off the weekly recap in Settings or with the link in that email. Account and billing emails can’t be turned off while you have an account.

You can stop marketing texts by replying STOP, and turn off marketing emails or texts in Settings at any time.

If you got a call about final expense insurance and want it to stop, tell the agent, or email us and we’ll pass it on.

If you live in California, you have the right to know what personal information we collect, use and disclose; to delete it; to correct it; and to opt out of its sale or sharing. We won’t treat you differently for using these rights.

In the last 12 months we collected the kinds of information listed above: identifiers (name, email, phone, IP address), professional details (NPN, agency, licensed states), commercial records (purchases and leads), the quiz answers a lead gives, including a general health answer, audio (call recordings and voicemails), and internet activity (sign-ins, chat and pixel events). We collect it from you, from our quiz sites, from calls to our number and from our payment provider.

Selling a lead to an agent, reselling it as an aged lead after 30 days, connecting a caller to an agent and giving that agent the caller’s number and call recording, and sending ad events to Meta may count as a “sale” or “sharing” under California law. To opt out, email hello@buyfexleads.com with the subject “Do not sell or share”. You can use an authorized agent to make a request; we may ask you to confirm it.

Our sites are for adults. We don’t knowingly collect information from anyone under 18. If you think we have, email us and we’ll delete it.

If we change this policy, we’ll update the date at the top.

Questions or requests about your data: email hello@buyfexleads.com.