Nova Life USA

Effective Date: March 4, 2026

Nova Life USA ("Company," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you provide when using our website and services.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit information through our forms.

1. Information We Collect

We may collect personal information that you voluntarily provide to us when you:

Request an insurance quote

Submit a form on our website

Speak with one of our agents

Communicate via phone, SMS, or email

Information collected may include:

Full name

Phone number

Email address

Mailing address

Date of birth

Insurance needs and preferences

Any other information you provide in forms or communications

We may also collect certain technical data automatically, including:

IP address

Browser type

Device information

Website usage data

Referral source (such as advertising platforms)

2. How We Use Your Information

Your information may be used to:

Provide insurance quotes

Connect you with licensed insurance agents

Respond to inquiries or requests

Deliver requested services

Improve our website and services

Send updates related to your insurance inquiry

We may also use your information to communicate with you through:

Phone calls

Text messages

Message and data rates may apply depending on your mobile carrier.

3. SMS and Communication Consent

By providing your phone number through our website or forms, you consent to receive communications from Nova Life USA including:

Calls

SMS text messages

Emails

These communications may relate to:

Insurance quotes

Policy information

Follow-up regarding your inquiry

You may opt out of SMS communications at any time by replying STOP.

Consent to communications is not required to purchase insurance.

4. Sharing of Information

We may share your information with:

Licensed insurance agents

Insurance carriers

Service providers assisting with business operations

These parties may use the information only for purposes related to providing insurance services or supporting our operations.

We do not sell your personal information to third parties.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, or misuse.

However, no system or data transmission over the internet can be guaranteed to be completely secure.

6. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

Improve user experience

Analyze website performance

Track marketing effectiveness

You can control cookie settings through your browser preferences.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites.

Users should review the privacy policies of any external websites they visit.

8. Children's Privacy

Our services are not directed toward individuals under the age of 18. We do not knowingly collect personal information from minors.

9. Your Privacy Rights

Depending on your location, you may have rights regarding your personal information, including the right to:

Request access to your data

Request correction of inaccurate data

Request deletion of personal information where applicable

Requests may be submitted using the contact information below.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

11. Insurance Disclosure

Nova Life USA is a licensed insurance agency operating under NovaLifeCo LLC. Insurance products are offered through licensed agents and are subject to underwriting approval by the issuing insurance carrier. Coverage availability, pricing, and eligibility are determined by the carrier and may vary based on individual circumstances.

Nothing on this website constitutes a guarantee of insurance coverage, policy approval, or specific rates.

12. Automated Communications and Artificial Intelligence

We may use automated technologies, including artificial intelligence, automated dialing systems, chat systems, or automated messaging tools to communicate with users, respond to inquiries, schedule appointments, or assist with customer service. These systems may operate with limited or no human intervention.

By providing your contact information, you acknowledge and consent to the use of such automated technologies for communications related to your inquiry or services requested.

13. TCPA Consent for Website Forms

By submitting any form on this website, you expressly consent to be contacted by Nova Life USA and its licensed agents regarding insurance products and services. Contact methods may include phone calls, SMS text messages, email communications, or automated technologies such as automated dialing systems.

You understand that:

Consent is not required as a condition of purchasing any goods or services.

Message and data rates may apply depending on your mobile carrier.

You may opt out of SMS communications at any time by replying STOP.

14. Tracking Technologies and Advertising

Our website may use tracking technologies including cookies, pixels, and similar tools provided by third-party advertising platforms. These technologies may collect information about your interactions with our website in order to:

Measure advertising effectiveness

Improve website performance

Deliver relevant advertisements

Analyze visitor behavior

These tools may include services provided by advertising and analytics partners such as Meta (Facebook/Instagram), Google, TikTok, and other digital advertising networks.

Users can control cookie settings through their browser preferences.

15. Do Not Sell My Data

Nova Life USA does not sell personal information to third parties. Personal information collected through this website is used solely for purposes related to providing insurance services, responding to inquiries, or connecting consumers with licensed agents and insurance carriers.

If you would like to request deletion of your personal information or inquire about how your data is used, you may contact us using the information provided below.

16. Mobile Information Sharing

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared with subcontractors or service providers only as necessary to support essential business operations such as customer service, messaging delivery, website functionality, or insurance processing. These service providers are required to maintain the confidentiality and security of personal information.

Text messaging originator opt-in data and consent will not be shared with any third parties for marketing or promotional purposes.

17. Website Legal Disclaimer

The information provided on this website is for informational purposes only and should not be interpreted as financial, legal, or tax advice.

Insurance products are offered through licensed agents affiliated with Nova Life USA. Coverage, policy availability, rates, and eligibility are subject to underwriting approval by the issuing insurance carrier and may vary based on individual circumstances.

Nova Life USA does not guarantee policy approval, coverage availability, or specific insurance rates.

18. Website Form Consent Language

Web forms on this website may include a consent checkbox or disclosure near the submit button. By submitting a form, users acknowledge and agree to language substantially similar to the following:

"By clicking Submit, you agree to be contacted by Nova Life USA and its licensed agents regarding insurance products and services. Contact may be made via phone, SMS text message, email, or automated technology. Message and data rates may apply. Consent is not a condition of purchase. You may reply STOP to opt out of SMS communications."

Users should only submit information if they agree to these communication terms.

19. Contact Information

If you have questions about this Privacy Policy, you may contact us at:

Nova Life USA

Email: [email protected]

Address: 7907 W Atlantis Way, Phoenix, AZ 85043

Phone: 720-202-2652