Privacy Policy

PolicyGurus ("we," "us," or "our") operates PolicyGurus.com (the "Site"). Your privacy is important to us. We created this Privacy Policy to explain how we collect, use, and share the information that we collect from and about you when you use our Site.

Table of Contents

• Data Collected and Data Sources
• Data Use
• Data Sharing
• Third-Party Websites
• Social Media Websites
• Security
• Children
• Choices and Access
• Retention Period
• Information About Consumer Privacy Laws
• Changes to This Privacy Policy
• Contact Us

Notice at Collection

The following serves as our notice at collection of personal information in accordance with applicable law. We collect personal information as detailed in this Notice and in our Privacy Policy.

We may "sell" or "share" personal information as those terms are defined under applicable law. If you would like to opt out of the sale or sharing of your personal information, you may do so by contacting us using the information provided at the end of this policy or reply "STOP" to any SMS message.

What Categories of Personal Information Do We Collect?

• Identifiers: Name, email address, telephone number, postal address, zip code, IP address, and other similar identifiers.
• Personal Information (Cal. Civ. Code § 1798.80(e)): Insurance policy information, employment status, financial information, health insurance information, number of vehicles owned, vehicle identification number, homeowner status, and credit information.
• Protected Classifications: Age, marital status, gender, veteran or military status.
• Commercial Information: Information related to products or services obtained or considered, purchasing histories or tendencies.
• Internet Activity Information: Browsing history, search history, and information regarding your interaction with our Site.
• Technical Information: Browser type, referrer URL, date and time of visit, MAC address, device type, screen resolution, and OS version.
• Geolocation Data: IP location.
• Visual and Audio Information: We may use tools to monitor and record information about your interactions with the Site, including keystrokes, mouse movements, and form field entries. We may also record marketing calls.
• Professional Information: Current or past job history.
• Education Information: Educational level.
• Inferences: Profile inferences drawn from your information and web activity to create a personalized profile.
• Sensitive Personal Information: Social Security number, driver's license number, medical information, and medical condition (collected only when necessary and with appropriate consent).

Purposes for Collecting Personal Information

We use the data we collect from and about you to:

• Connect you with insurance providers and partners who can provide information about products and services you are seeking
• Respond to your requests via email, phone calls, or texts
• Keep you informed of our products and services and those of our partners
• Allow you to send messages through this Site
• Improve and protect our Site and business
• Monitor your user experience for compliance verification and litigation purposes
• Use your data in an aggregated, non-specific format for analytic and demographic purposes
• Monitor Site performance, analyze traffic patterns and usage
• Ensure that this Site and any transactions function properly

Data Collected and Data Sources

Automatically Collected Information

We collect data that your device provides when you interact with the Site. This includes technical data such as browser type, referrer URL, date and time of visit, IP address, MAC address, device type, screen resolution, and OS version ("Technical Data").

Information You Provide

We collect additional data when you choose to engage with the Site ("Provided Attributes"). This includes contact information (name, address, email address, telephone number) and other information relevant to your insurance inquiries, such as:

• Age, gender, marital status
• Number of vehicles owned and homeowner status
• Employment and financial information (for certain insurance types)
• Health information (for health insurance inquiries)

Third Party Data

We may combine Technical Data and Provided Attributes with information from third parties such as credit reporting agencies and partners ("Third Party Data"). This may include information to confirm or supplement the data you provide. We will only obtain credit reporting information with your consent.

Cookies and Similar Technologies

When you use this Site, we may use cookies or other tracking technologies to recognize you or your device. These technologies allow us to tailor this Site to your interests and track your activity. We and our partners may use these technologies to measure responses to emails, interactions with advertisements, and page views.

You can manage cookie preferences through your browser settings. However, certain features of the Site may require cookies to function properly.

Data Use

We use the data we collect from and about you through this Site primarily to connect you with insurance providers and partners who can provide you with information about the products and services you are seeking.

We may also use your data for the purposes listed in the "Purposes for Collecting Personal Information" section above. We may use automated decision-making in matching you with appropriate insurance providers.

Data Sharing

In addition to sharing your data with insurance providers and partners to provide you with information about products and services you are seeking, we may share your data as follows:

• With service providers who assist us in compliance and verification activities (e.g., credit agencies) or provide services such as payment processing, IT, and data analysis
• If you choose to send a message through, or contribute to public areas of, this Site
• With a third party in the event of a sale or transfer of all or part of our business
• To comply with legal processes
• To respond to lawful requests from authorities
• To enforce our Terms of Service and this Privacy Policy
• To protect our business, rights, privacy, safety, or property or that of others
• As necessary under applicable law

Third-Party Websites

This Site may contain links to websites that we do not own or operate. We are not responsible for the content or practices of such websites, including their practices with respect to your data. The website owner's privacy policy governs your use of those websites.

Social Media Websites

If you engage with PolicyGurus on social media platforms, please be aware that:

• Personal information you submit can be read, collected, or used by other users (depending on your privacy settings)
• Your account name/handle may be viewable by members of our social media presence when we respond to interactions

We are not responsible for personal information you choose to submit on social media websites. Social media platforms operate independently from PolicyGurus. We encourage you to review the privacy policies and settings of any social media platforms you use.

Security

We have taken physical, technical, and administrative steps to protect the data we collect from Site users. We use reasonable security measures to help protect your personal information from accidental loss, unauthorized use, alteration, or disclosure.

However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. We cannot ensure or warrant the security of any information you transmit to us. You use the Site and provide us with your data at your own risk.

If we share data with a third party as detailed in this Privacy Policy, we will use all reasonable efforts to ensure that they keep the information secure and only use it consistent with the terms of this Privacy Policy.

Children

We do not knowingly collect, use, share, or sell the personal information of individuals under the age of 18, and this Site is not directed to individuals under 18.

If you become aware that an individual under 18 has provided us with personal information, please contact us using the information provided below. If we become aware that we have collected personal information from an individual under age 18, we will delete this information as soon as practicable.

Choices and Access

Marketing Emails

To stop receiving marketing emails from us, please contact us using the information below and follow the instructions to unsubscribe. Even if you unsubscribe, we may still send administrative (non-marketing) messages.

Phone Calls and Texts

To opt out of receiving telephone calls or texts from us, please contact us using the information below or reply STOP to any text message.

Privacy Choices

Please refer to the rights and choices discussed in the "Information About Consumer Privacy Laws" section below.

Retention Period

We keep personal information as long as reasonably necessary or relevant for the practices described in this Privacy Policy. We also keep personal information as otherwise required by law.

What this means in practice will vary among different types of information and our ongoing business or legal needs for the information, for example in relation to tax, health and safety, and potential or actual disputes or investigations.

Information About Consumer Privacy Laws

When we use the term "personal information" in this Privacy Policy, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual or household.

Your Privacy Rights

Depending on your U.S. state of residence, under applicable law, you may have certain rights in relation to your personal information, including:

• Right to Know: You may have the right to know what personal information we have collected about you, including the categories of personal information, sources, purposes, and categories of third parties to whom we disclose personal information.
• Right to Request a Specific List of Third Parties: You may have the right to request a list of specific third parties with whom we have shared or sold your personal information.
• Right to Delete: You may have the right to delete personal information we have collected from you, subject to certain exceptions.
• Right to Correct: You may have the right to correct inaccurate personal information we maintain about you.
• Right to Opt-Out of Sale or Sharing: You may have the right to opt-out of the "sale" or "sharing" of your personal information to third parties.
• Right to Opt-Out of Targeted Advertising: You may have the right to opt-out of "targeted" advertising as defined in applicable privacy law.
• Right to Appeal: You may have the right to appeal a decision we have made in connection with your privacy rights request.

How to Submit a Request

To exercise your privacy rights, please contact us:

• Phone: 213-329-1212
• Email: info@policygurus.com
• Mail: PolicyGurus, 2404 Rutland Drive, Austin, TX 78758

We will confirm receipt of your request and respond as soon as possible. We may not be able to verify your identity in all cases, as consumers who interact with our Site are not required to set up an account or register. In such cases, we may provide a description of our business practices regarding the handling of personal information.

Authorized Agent Requests

You may authorize someone to make a privacy rights request on your behalf (an authorized agent). Authorized agents will need to demonstrate that you've authorized them to act on your behalf. We retain the right to request confirmation directly from you confirming that the agent is authorized to make such a request.

Non-Discrimination

We will not discriminate against you because you exercised your rights under this section of the Privacy Policy.

Transfer of Personal Information Internationally

If you are visiting the Site from a country other than the country in which our servers are located, your communication with us may result in the transfer of personal information across international boundaries.

By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers. Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.

Changes to This Privacy Policy

We may amend this Privacy Policy from time to time. When we do, we will post an updated version and revise the "Last Updated" date at the top. If we change the Privacy Policy in a material way, we will provide appropriate notice to you.

Using this Site after we make any changes means you accept those changes and the revised Privacy Policy.

Dispute Resolution

You have the right to submit feedback about this Privacy Policy, or the practices described in it, to the applicable supervisory authority in your jurisdiction of residence.

Contact Us

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