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Privacy Policy

Effective Date: October 6, 2025

Last Updated: October 6, 2025

1. Information We Collect

Personal Information You Provide

When you use our services, we may collect the following personal information:

• Contact Information: Name, phone number, email address, mailing address
• Demographic Information: Age, date of birth, ZIP code, state of residence
• Insurance Information: Current coverage status, policy details, health information
• Financial Information: Income level, employment status, household size
• Communication Records: Call recordings, chat transcripts, email correspondence

Automatically Collected Information

We automatically collect certain information when you visit our website:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on site, clicks, scrolling behavior
• Location Data: General geographic location based on IP address
• Cookies and Tracking: Website preferences, login information, analytics data

2. How We Use Your Information

We use your personal information for the following purposes:

• Insurance Services: To provide quotes, connect you with licensed agents, and facilitate insurance purchases
• Communication: To contact you about your requests, provide customer support, and send service updates
• Marketing: To send promotional materials, newsletters, and information about relevant insurance products
• Legal Compliance: To comply with legal obligations, respond to legal requests, and protect our rights
• Website Improvement: To analyze website usage, improve user experience, and develop new features
• Fraud Prevention: To detect and prevent fraudulent activities and protect user security

3. Information Sharing and Disclosure

Licensed Insurance Partners

We share your information with licensed insurance agents, brokers, and insurance companies to provide you with quotes and coverage options. These partners are bound by their own privacy policies and professional obligations.

Service Providers

We may share information with third-party service providers who assist us with:

• Lead management and customer relationship management
• Payment processing and financial services
• Website hosting, analytics, and technical support
• Marketing and advertising services
• Legal and compliance services

Legal Requirements

We may disclose your information when required by law, court order, or government request, or to protect our rights, property, or safety.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Provide personalized content and advertisements
• Measure the effectiveness of our marketing campaigns

You can control cookies through your browser settings, but this may affect website functionality.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Access controls and authentication mechanisms
• Regular security assessments and updates
• Employee training on data protection practices

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

Communication Preferences

You can opt out of marketing communications by:

• Clicking the unsubscribe link in emails
• Calling us at (800) 555-0123
• Sending a written request to our contact address

Access and Correction

You have the right to:

• Access the personal information we have about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)

7. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected and how it's used
• Right to delete personal information
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

To exercise these rights, contact us using the information below.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete it promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing personal information.