Privacy Policy

1. Who we are and what this covers

Selective Inbounds is operated by AmeriCare Benefits Group LLC, doing business as Selective Inbounds ("we", "us", "our"). This policy covers the whole Selective Inbounds service, including this website at selectiveinbounds.com, the Selective Inbounds platform and portal at calls.americarebenefit.com, the forms on this site, Buyer accounts, and related Selective Inbounds services.

In this policy, a Buyer is a licensed insurance agent or agency that buys calls from us. A consumer caller is a person who calls a number we route.

2. How this sits with our other agreements

Buyers also sign a separate Per-Call Billing Agreement. That agreement governs the commercial side of the relationship: buying calls, pricing, billing, payment authorization, Qualified Call rules, disputes and similar terms. It does not replace this policy. Our privacy practices are described here.

3. What we collect from Buyers

Depending on how you use the service, this can include:

• Contact and application information, such as name, email, phone and agency
• Buyer account information
• The states you declare you are licensed in
• Records of electronic agreements and acceptances, including the typed name, the date and time, the IP address and browser information
• IP address, browser, device and user agent information
• Login and operational activity in the platform
• Campaign selections
• Call metadata and routing information
• Call timestamps and durations
• Dispositions and call outcomes
• Sales information you choose to enter, such as premium, carrier and plan type
• Technical and connectivity information, such as line check results and connection quality
• Call recordings
• Recording playback and download activity
• Underwriting lookup search activity
• Payment and transaction information

Card numbers. Full payment card numbers are collected and processed by Stripe through Stripe's own secure fields. We do not store full card numbers on our systems. We receive limited information from Stripe, such as the card brand, the last four digits and whether a charge succeeded.

Private call notes. Notes typed into the private notes box during a live call currently remain in the Buyer's own browser and are not intentionally transmitted to Selective Inbounds servers. If that changes, this policy will be updated.

4. Information about consumer callers

Consumer callers do not create Selective Inbounds accounts. When a call is routed through our service, call related information may include:

• Telephone number
• State and, in some cases, city
• Call identifiers
• Routing and source information
• Timestamps
• Call duration
• Disposition or outcome
• Call recordings

Recordings may contain information a caller chooses to say during the call. That can include health conditions, medications, date of birth, existing insurance and other personal details. Nothing in this policy states or implies that Selective Inbounds is a HIPAA covered entity.

5. Call recording

Calls routed through the service may be recorded. Recordings may be used for legitimate business purposes, including compliance, quality assurance, billing verification, dispute resolution, fraud prevention, training and related operations. Access to recordings is limited to people who need it for those purposes.

6. How we use information

• To run the call marketplace and route live calls to available licensed Buyers
• To create, operate and secure Buyer accounts
• To calculate what is billable, to bill it and to keep accounting records
• To produce reports, statements and reconciliation
• To check quality and compliance on both the Buyer side and the call source side
• To investigate and resolve disputes
• To detect, prevent and investigate fraud and misuse
• To answer enquiries sent through the forms on this site
• To contact you about your enquiry, and, where you have ticked the box asking us to, to call or text you about buying or sending calls. If you tick that box we keep a record of the exact wording you agreed to, the date and time, and the page you were on. You can ask us to stop at any time by replying STOP to a text or emailing us
• To meet legal, regulatory and record keeping obligations

7. How information is disclosed

We may disclose personal information where it is necessary to operate the service. That includes disclosure:

• To participating Buyers, in order to deliver a live call and the information that comes with it
• To call sources and partners, as needed to reconcile, verify and resolve disputes about calls
• To service providers who work on our behalf, as described in the next section
• To payment processors, in order to take payment
• To prevent, investigate or address fraud, abuse or security issues
• To comply with law, legal process, regulators or a lawful request
• In connection with a merger, financing, acquisition or other business transfer, where legally permitted
• With your direction or consent

This policy does not make a legal characterisation of whether any of the above amounts to a "sale" or "sharing" of personal information under any particular state statute. That treatment has not been determined. This section is intended to describe, in plain terms, what actually happens.

8. Service providers

We use third party providers to run the service. Rather than list every vendor, these are the categories we use:

• Hosting and infrastructure providers
• Telecommunications and call routing providers
• Payment processors
• Form and email delivery providers
• Security providers
• Scheduling providers
• Analytics and advertising providers, if and when we enable them
• Professional, legal and compliance providers, where appropriate

Important providers currently include Stripe for payments, Retreaver and Twilio for call routing and telephony, and Cloudflare and Railway for hosting and infrastructure. Providers change from time to time. A change of provider within these categories does not by itself require a change to this policy.

9. How long we keep information

We keep information for as long as it is reasonably necessary for the purposes described in this policy. That includes providing the service, billing and accounting, compliance, fraud prevention, dispute resolution, enforcing our agreements and meeting legal obligations, and other legitimate business purposes. Some information is kept for longer where that is required or permitted by law. We do not commit to a fixed deletion date for every category of information.

10. Security

We use reasonable administrative, technical and organisational measures designed to protect information, including encryption in transit, access controls, secret storage in the hosting platform's vault, signature checks on telephony webhooks, logging and regular backups. No method of transmission or storage is completely secure, and we cannot guarantee the security of information.

11. Cookies, analytics and tracking

This public website currently sets no cookies, runs no analytics and loads no advertising or tracking tags. The only outside request a page makes is when you press send on a form, which delivers that form to us by email.

The Selective Inbounds platform at calls.americarebenefit.com uses cookies and similar technologies that are necessary to keep you signed in and to operate the service.

Do Not Track. Some browsers send a "Do Not Track" signal. There is no common industry standard for how to respond to it. Because this public website does not currently collect personal information about your online activities over time and across third party websites, it does not respond to those signals.

If this changes. This section must be updated before Google Analytics, a Meta pixel, Google Ads tags, or any similar tracking or advertising technology is enabled on this website.

12. Your choices and privacy requests

Depending on where you live, you may have rights to ask what information we hold about you, to ask for a copy, to ask for a correction, or to ask us to delete it. To make a request, email [email protected].

We may need information from you to verify who you are before we act on a request. This matters most for consumer callers, who never created an account with us, so a telephone number alone may not be enough to confirm identity.

We cannot promise that every deletion request results in complete deletion. Legal, billing, accounting, fraud prevention, contractual, security and record retention obligations may require us to keep some information. Where that applies, we will tell you.

13. Children

The service is for licensed insurance professionals and adult consumers. It is not directed to children, and we do not knowingly collect information from children.

14. Changes to this policy

We may update this policy. When we do, we will change the "Last updated" date at the top of this page. Material changes will be made clear.

15. How to contact us

AmeriCare Benefits Group LLC
doing business as Selective Inbounds
Newport Beach, California
[email protected]

Contact us

AmeriCare Benefits Group LLC, doing business as Selective Inbounds
Newport Beach, California
[email protected]