Privacy Policy

At Smart Insurance Prices, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Identification Information: Date of birth, Social Security number, driver's license number
• Financial Information: Income, employment information, banking details
• Insurance Information: Current coverage details, claims history, policy preferences
• Health Information: Medical history, health conditions (for health and life insurance quotes)
• Vehicle Information: Make, model, year, VIN, driving record (for auto insurance)
• Property Information: Home details, property value, security features (for home insurance)

Automatically Collected Information

When you visit our website, we automatically collect certain information:

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on our site
• Referral sources and search terms
• Cookies and similar tracking technologies

2. How We Use Your Information

We use your personal information for the following purposes:

• Insurance Services: Providing quotes, processing applications, underwriting policies
• Customer Service: Responding to inquiries, providing support, resolving issues
• Communications: Sending policy updates, renewal notices, and relevant information
• Website Improvement: Analyzing usage patterns to enhance user experience
• Legal Compliance: Meeting regulatory requirements and legal obligations
• Fraud Prevention: Detecting and preventing fraudulent activities
• Marketing: Sending relevant offers and information (with your consent)

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

Insurance Partners

We share your information with licensed insurance carriers and agents to provide you with quotes and coverage options. These partners are bound by confidentiality agreements and must comply with applicable privacy laws.

Service Providers

We work with third-party service providers who assist us in operating our website and providing our services, including:

• Technology and hosting providers
• Payment processors
• Customer support services
• Marketing and analytics platforms

Legal Requirements

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

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience:

Types of Cookies We Use

• Essential Cookies: Necessary for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

You can manage cookie preferences through your browser settings. However, disabling certain cookies may limit website functionality.

5. Data Security

We implement comprehensive security measures to protect your personal information:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security audits and updates
• Employee training on data protection

6. Your Rights and Choices

You have the following rights regarding your personal information:

Access and Correction

You can request access to your personal information and ask us to correct any inaccuracies.

Opt-Out

You can opt out of marketing communications by clicking the unsubscribe link in emails or contacting us directly.

Data Portability

You can request a copy of your personal information in a machine-readable format.

Deletion

You can request deletion of your personal information, subject to legal and business requirements.

7. GDPR Compliance (European Users)

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR):

• Legal Basis: We process your data based on consent, legitimate interests, or legal obligations
• Right to Object: You can object to processing based on legitimate interests
• Right to Restrict: You can request restrictions on how we process your data
• Data Protection Officer: You can contact our Data Protection Officer with concerns
• Supervisory Authority: You have the right to lodge a complaint with your local data protection authority

8. California Privacy Rights (CCPA)

California residents have specific rights under the California Consumer Privacy Act:

• Right to know what personal information we collect 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

We do not sell personal information to third parties.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child, please contact us immediately.

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 any personal information.

11. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Retention periods vary based on:

• The type of information collected
• Legal and regulatory requirements
• Legitimate business purposes
• Your consent and preferences

12. International Data Transfers

Your information may be transferred to and processed in countries outside your residence. We ensure appropriate safeguards are in place to protect your information during international transfers.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Updating the "Last Modified" date

Your continued use of our services after changes take effect constitutes acceptance of the updated policy.