Privacy
Policy.

Overview

This Privacy Policy describes how Callmart, operated by CALLMART LLC ("Callmart," "we," "us," or "our"), collects, uses, discloses, and protects information in connection with the Callmart marketplace, including the marketing site at callmart.io, the platform at app.callmart.io, and the Callmart mobile app.

Callmart is a business-to-business marketplace that connects insurance agents, agencies, and other buyers with inbound phone calls delivered by publishers. This policy covers the data that passes through that marketplace: account information, organization and team data, call delivery data, and billing data. It does not extend to third-party sites we link to, which have their own privacy practices.

Information we collect

We collect the information described below directly from you, automatically as you use the platform, and from the vendors who help us run it.

• Account data: your name, work email address, password hash, and, if you enable it, a two-factor authentication secret. We never store your password in plain text.
• Organization and team data: the workspace or organization you belong to, your role within it (buyer, agency administrator, or publisher), and the members and permissions your organization configures.
• Call destination data: the phone numbers and SIP addresses you designate to receive calls purchased through the marketplace.
• Call detail records and recordings: the date, time, duration, source, and disposition of each call delivered through the marketplace, and, for calls that are recorded, the audio recording of that business call. These are business calls placed to buy and deliver marketplace inventory, not personal calls.
• Wallet and billing data: your prepaid wallet balance, transaction history, invoices, and the billing details needed to process payments. Card and bank details are collected and stored by our payment processor, Stripe; Callmart does not store full card numbers.
• Publisher API keys: credentials publishers use to offer calls into the marketplace. We store only a salted hash of each key, never the key itself.
• Usage and device data: pages viewed, features used, browser type, device type, and IP address, collected to operate, secure, and improve the platform.
• Previous website contact requests: name, work email, selected role, area of interest, and company if provided. These requests were stored in private, access-controlled Vercel storage and do not create a Callmart account. The old website form did not store raw IP addresses; it used hashed request identifiers to limit repeated submissions.

How we use information

We use the information above to operate the marketplace: creating and securing accounts, routing and delivering calls between publishers and buyers, calculating and settling wallet balances, billing for delivered calls, detecting fraud and abuse, providing customer support, and meeting our legal, accounting, and tax obligations.

We use website analytics and source tags to understand how people find Callmart. If you separately opt in when submitting your buyer application, we share a completed-registration event with Meta to measure and improve our Facebook and Instagram ads. Declining this optional sharing does not affect your application or service. We do not share marketplace call records, recordings, insurance or license details, agreement documents, application answers, wallet data, mobile numbers, or text messaging consent with Meta.

Cookies

Callmart uses cookies to keep you signed in, remember preferences, and retain first-visit source tags and ad-click identifiers. The marketing website also uses Google Analytics to understand website activity. The platform's optional Meta registration event is sent from our server; it does not load a Meta tracking script throughout your workspace. Account authentication remains separate from advertising measurement.

How we share information

We share information with the following categories of service providers (subprocessors) so they can perform services on our behalf, and with no one else except as described in this policy or required by law.

• Supabase, which hosts our database and handles account authentication.
• Vercel, which hosts the marketing site and the platform application.
• Stripe, which processes wallet top-ups and other payments.
• Twilio, which provides the telephony infrastructure that connects and records marketplace calls, and delivers text messages to people who have opted in to them.
• Telnyx, which delivers Callmart marketing text messages to people who have opted in to them.
• Resend, which delivers transactional email from callmart.io, such as account and onboarding messages.

Each of these providers is bound by its own data protection terms and may only use Callmart data to provide services to us. We may also disclose information if required by law, to enforce our Terms of Service, or to protect the rights, property, or safety of Callmart, our users, or the public. If Callmart is involved in a merger, acquisition, or sale of assets, information may be transferred as part of that transaction, subject to this policy.

Optional advertising measurement: with your separate opt-in, we send Meta the fact and time of completed registration, a non-readable event identifier, a SHA-256 hash of your normalized email address, an available Meta ad-click identifier, and IP address and browser information. Hashing supports account matching; it does not make the information anonymous. Meta processes this information under its own privacy policy and Business Tools Terms to measure and improve advertising. Google receives website analytics and a completed-signup analytics event. You can read Meta's privacy policy at facebook.com/privacy/policy and Google's at policies.google.com/privacy.

SMS and text messaging

Callmart runs two text message programs, and you choose each one separately. Callmart Alerts (from (239) 235-3331) sends account messages: alerts that calls are live on your campaigns, notices about your account, wallet and billing, and replies from the Callmart team handling your account. Callmart Offers (from (239) 428-0868 or (877) 345-2040) sends marketing messages: how to get started with Callmart, the new account bonus, call availability in your states, and other promotional offers about Callmart's own service.

We send Callmart Offers marketing texts only to people who separately agreed to receive marketing texts by ticking the marketing text box (unchecked by default) on the texts-only sign-up page at app.callmart.io/text-offers. Agreeing to account alerts never signs you up for marketing texts, and agreeing to marketing texts never signs you up for anything else. We use your mobile number only to send the messages you agreed to.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. We do not sell, rent, or share your mobile phone number or your consent to receive text messages with anyone. Mobile numbers are disclosed only to the telecommunications provider that delivers the message on our behalf (Twilio or Telnyx), strictly for that purpose, and never for their own marketing. The categories of sharing described elsewhere in this policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Consent to receive text messages is never a condition of buying anything from Callmart. You can decline and still use every part of our service.

Message frequency: Callmart Alerts varies based on your account activity; Callmart Offers sends up to 4 messages a week. Message and data rates may apply. Reply STOP to any message to opt out of that program. Reply HELP for help. You can also opt out by emailing support@callmart.io. Carriers are not liable for delayed or undelivered messages.

We keep a record of when and how you gave consent, and of any opt-out, so we can honor your choice. See our Text Messaging Terms at callmart.io/terms#text-messaging-terms. Sign up for account alerts at callmart.io/sms-updates, or for marketing texts at app.callmart.io/text-offers.

Data retention

We retain account and organization data for as long as your account is active. Call detail records and call recordings are retained for the period needed to handle billing disputes and quality review, and are then scheduled for deletion or de-identification on a rolling basis.

We retain financial ledger records, invoices, and call records required for accounting, tax, and dispute purposes for as long as applicable law requires, even after an account is deleted. Once an account is deleted, we remove the personal identifiers from these retained records where we are not otherwise required to keep them, so what remains is financial and call activity data no longer tied to your name or contact details.

Previous website contact requests are retained while we manage those requests. To ask about or request deletion of a previous request, email support@callmart.io. Hashed request-limit identifiers are scheduled for cleanup after seven days.

Your rights: access, correction, export, and deletion

You can review and correct most of your account and organization information directly from the Callmart platform. To request a copy of your data, contact us at the email address below.

You can delete your account at any time. In the Callmart iOS app, open More, then Account, then Delete account. On the web, go to app.callmart.io/security and use the delete account option there. Deleting your account removes your profile and login credentials and disables your access to the platform.

As described under Data retention above, some records survive account deletion because we are required to keep them for accounting, tax, or dispute-handling purposes; when that happens we remove personal identifiers from those records rather than keeping them tied to you.

California and other U.S. state privacy rights

If you are a resident of California, Colorado, Connecticut, Virginia, Utah, or another state with a comprehensive privacy law, you may have additional rights over your personal information, including the right to know what personal information we hold about you, the right to request deletion or correction, the right to obtain a portable copy of your data, and the right to opt out of the sale or sharing of personal information for cross-context behavioral advertising.

You can decline optional Meta registration sharing by leaving its separate checkbox unchecked when submitting your buyer application. We also suppress this event when the browser sends the Global Privacy Control signal. This sharing may be considered sharing or targeted advertising under applicable state privacy laws. To withdraw permission for future optional sharing or submit an access, correction, deletion, or other privacy request, contact support@callmart.io. We will verify your identity before acting where needed and will not discriminate against you for exercising your rights. Withdrawal does not undo information already sent to Meta; you may also exercise rights directly with Meta.

Children’s privacy

Callmart is a business-to-business service intended for insurance agents, agencies, and publishers. It is not directed to, and we do not knowingly collect personal information from, anyone under the age of 18. If we learn that we have collected information from someone under 18, we will delete it.

Security

We use administrative, technical, and physical safeguards designed to protect the information we hold, including encryption in transit, hashed storage of passwords and API keys, and access controls limiting who inside Callmart can view marketplace data. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Changes to this policy

We may update this Privacy Policy as the Callmart marketplace evolves. If we make material changes, we will update the effective date at the top of this page and, where appropriate, notify you through the platform or by email. Continued use of Callmart after a change takes effect means you accept the updated policy.

Contact us

If you have questions about this Privacy Policy or how Callmart handles your information, contact us at support@callmart.io, or by mail at CALLMART LLC, 7735 Woodbrook Circle, Unit 3, Naples, FL 34104.