Privacy Policy + Terms of Use

Effective Date: March 23, 2025

Welcome to Nivlera. Your privacy and trust are important to us. This page explains how we collect, use, share, and protect your personal information, and sets forth the terms and conditions governing your use of our website and services.

1. Information We Collect

We collect personal and non-personal information directly from you and through automated technologies. This includes:

• Contact Information: Name, email address, phone number, address
• Behavioral Information: Pages visited, form activity, chat interactions
• Device Information: IP address, browser type, device type, operating system
• Lead Data: Any information voluntarily submitted via forms or chat
• Cookie & Tracking Data: Information collected via cookies, pixels, and tracking tools for advertising, analytics, and site functionality

2. How We Use Your Information

We may use your information to:

• Provide insurance quote services and match you with licensed agents
• Respond to inquiries or provide customer support
• Improve our website functionality and marketing
• Analyze trends and optimize ad campaigns
• Comply with legal and regulatory obligations

3. Data Sharing & Sale

Your information may be shared or sold to third parties, including but not limited to:

• Licensed insurance agents and brokers
• Advertising platforms and analytics providers
• Technology providers (chat tools, form platforms, CRM systems)
• Business partners for marketing and lead generation

We may sell or disclose your information for monetary or other valuable consideration.

4. Your Rights (Including California, Colorado, Virginia, and Other States)

Depending on your location, you may have rights including:

• The right to know what personal data we collect
• The right to access, correct, or delete your data
• The right to opt out of the sale or sharing of your data
• The right to limit use of sensitive data
• The right to opt out of targeted advertising or profiling

To exercise these rights, email us at privacy@nivlera.com or visit our Do Not Sell or Share My Info page.

5. Opt-Out Options

You can opt out of:

• Data sale and sharing: Email optout@nivlera.com or fill out our Opt-Out Form
• Marketing communications: Use the unsubscribe link in any email we send
• Targeted advertising and tracking cookies: Use your browser or device settings to limit or block cookies. You can also decline tracking by using the cookie banner on our site.

6. Cookie Notice & Consent

We use cookies and similar tracking technologies to:

• Enhance your browsing experience
• Measure site performance and usage
• Provide relevant advertising through platforms like Google and Facebook

Upon visiting our site, you may see a cookie banner asking for your consent. By continuing to use the site or clicking "Accept," you agree to our use of cookies. You can manage cookie preferences via your browser settings.

7. Chat Consent & Communication Notice

By initiating a live chat on our website, you consent to:

• The collection of information you provide during the conversation
• Interaction with a licensed insurance agent or authorized representative
• Data storage for business, legal, or service-related purposes

Some jurisdictions may consider chat interactions as recorded communications. By using this feature, you agree to such collection.

8. Data Retention & Security

We retain your data as long as necessary for business, legal, or contractual purposes. We use reasonable security measures to protect your data, but no system is 100% secure.

9. Third-Party Services

Our site may link to or integrate third-party services (e.g., chat tools, Tally forms, Google Ads). These services have their own privacy policies and terms. Nivlera is not responsible for the practices of third-party sites or services.

10. Use of Website

By using this site, you agree to:

• Use it only for lawful purposes
• Not interfere with site functionality or security
• Not attempt to access unauthorized areas or misuse chat and communication tools

Violation of these terms may result in suspension or termination of access.

11. Changes to This Policy

We may update this policy at any time. Updates will be posted to this page with a revised effective date. Your continued use of the site constitutes acceptance of any changes.

12. Contact Us

If you have questions or requests related to privacy or terms of use, contact:

Nivlera
Email: privacy@nivlera.com
Opt-Out: optout@nivlera.com
General Info: info@nivlera.com
Phone: 612-402-8181
Address: 502 Drillane Rd, Hopkins, MN 55305

By using this website, you agree to the collection and use of information as outlined above.