Privacy Policy

Conditor Plexus LLC, operating as BusinessArmor ("BusinessArmor," "we," "us," or "our"), is committed to protecting the privacy of visitors to our website businessarmor.co (the "Site") and users of our services. This Privacy Policy explains how we collect, use, disclose, and protect your personal information.

1. Information We Collect

Information You Provide Directly

When you use our insurance quote forms, chat assistant, or contact us, we may collect:

• Full name
• Email address
• Phone number
• Business name and address
• Business ZIP code
• Business type and NAICS code
• Number of employees and annual revenue range
• Business structure (sole proprietor, LLC, corporation, etc.)
• Insurance coverage types requested
• Current insurance status and claims history
• Coverage timeline preferences

Information Collected Automatically

When you visit our Site, we automatically collect:

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and time spent on each page
• Referring URL
• Cookies and similar tracking technologies

Voice Call Information

If you participate in a phone call with our AI-powered voice assistant or are transferred to an insurance partner, we may collect call recordings, call duration, call transcripts, and the outcome of the call. You will be notified at the beginning of any recorded call.

2. How We Use Your Information

We use the information we collect to:

• Match you with appropriate insurance carriers and coverage options
• Facilitate warm transfers to insurance agents or carrier partners
• Submit your information to insurance marketplaces and exchanges on your behalf
• Verify your identity and the accuracy of the information you provide
• Send you insurance quotes, match notifications, and follow-up communications
• Improve our website, services, and user experience
• Comply with legal obligations and enforce our Terms of Service
• Prevent fraud and protect the security of our Site

3. How We Share Your Information

We may share your personal information with the following categories of third parties:

• Insurance Carriers and Agents: We share your information with insurance carriers, agents, brokers, and insurance marketplaces (such as Bold Penguin Exchange) to provide you with quotes and coverage options.
• Lead Aggregators and Partners: With your consent, we may share your information with insurance lead aggregators and marketing partners to connect you with additional insurance options.
• Service Providers: We use third-party service providers for hosting (Vercel), database services (Supabase), email delivery (Resend), voice communications (Retell AI/Vapi), and analytics. These providers only access your information as necessary to perform their services.
• Legal Requirements: We may disclose your information if required by law, regulation, legal process, or governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not sell your personal information to unrelated third parties for their own marketing purposes without your explicit consent.

4. Telephone Consumer Protection Act (TCPA) Disclosure

By providing your phone number and checking the consent box on our forms, you provide prior express written consent to be contacted by BusinessArmor (Conditor Plexus LLC) and its insurance carrier partners at the phone number you provided. This consent covers contact via telephone calls (including calls using an automated telephone dialing system or pre-recorded/artificial voice messages), text messages (including SMS and MMS), and email for marketing and informational purposes related to commercial insurance products and services.

Your consent is not a condition of purchasing any goods or services. You may revoke your consent at any time by contacting us at hello@businessarmor.co, replying STOP to any text message, or informing us during any phone call. Standard message and data rates may apply.

For more details, please see our full TCPA Disclosure.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your browsing experience, analyze site traffic, and understand user behavior. You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features on our Site.

6. 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. TCPA consent records are retained for a minimum of five (5) years. You may request deletion of your personal information by contacting us at hello@businessarmor.co.

7. Data Security

We implement commercially reasonable technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit (SSL/TLS), secure database storage, and access controls. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

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

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion: Request that we delete your personal information, subject to certain exceptions.
• Opt-Out: Opt out of receiving marketing communications at any time.
• Do Not Call: Request to be placed on our internal Do Not Call list.

To exercise any of these rights, contact us at hello@businessarmor.co.

9. California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale or sharing of your personal information. To exercise these rights, contact us at hello@businessarmor.co.

10. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

11. Third-Party Links

Our Site may contain links to third-party websites, including insurance carrier websites. We are not responsible for the privacy practices of these third-party sites. We encourage you to read the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a revised "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

Conditor Plexus LLC, d/b/a BusinessArmor
Email: hello@businessarmor.co
Website: businessarmor.co