Privacy Policy

Information We Collect and How We Use It

We collect personal information that you voluntarily provide to us when you complete our quote request forms, contact us, or otherwise interact with our services. This information may include:

• Contact Information: Name, email address, phone number, and mailing address
• Demographic Information: Date of birth, gender, marital status
• Insurance Information: Current coverage details, desired coverage types, vehicle information, property details
• Financial Information: Credit score ranges (self-reported), homeownership status
• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages visited, time spent on site, referral sources, click patterns

We use this information to:

• Match you with insurance providers who may offer products that meet your needs
• Facilitate communication between you and insurance companies or their agents
• Improve our website and services
• Comply with legal obligations
• Prevent fraud and ensure website security

Do We Use Cookies?

Yes. We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us:

• Remember your preferences and form inputs
• Analyze website traffic and usage patterns
• Deliver targeted advertising
• Measure the effectiveness of our marketing campaigns

We also use third-party consent verification services such as Jornaya and TrustedForm to document your consent to be contacted. These services may place cookies on your device to record timestamps and other consent-related data for compliance purposes.

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

How Do We Share Your Information?

We share your personal information with third parties in the following circumstances:

• Insurance Providers and Agents: We share your information with insurance companies, agencies, and licensed agents who may contact you regarding insurance products and services. See our Marketing Partners page for more information.
• Service Providers: We share information with vendors who help us operate our business, including hosting providers, analytics services, CRM platforms, and telephony providers.
• Advertising Partners: We may share information with advertising networks to deliver targeted ads.
• Legal Requirements: We may disclose information when required by law, court order, or government regulation.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Sale of Personal Information

ClearChoiceQuote operates as a lead generation service. Under certain state privacy laws, including the California Consumer Privacy Act (CCPA), the sharing of personal information in exchange for valuable consideration may be considered a “sale.” We may sell or share the following categories of personal information with insurance agents, agencies, carriers, and marketing partners:

• Identifiers: Name, email address, phone number, mailing address, IP address
• Personal Information (Cal. Civ. Code 1798.80(e)): Name, address, telephone number, insurance-related information
• Protected Classification Characteristics: Age, gender, marital status
• Commercial Information: Insurance products of interest, coverage preferences
• Internet or Network Activity: Browsing history, interactions with our website
• Geolocation Data: ZIP code, approximate location via IP address

Recipients of this information include licensed insurance agents and agencies, insurance carriers, lead aggregators, and marketing partners. To opt out of the sale of your personal information, please visit our Do Not Sell or Share My Personal Information page or email us at [email protected].

Interest-Based Advertising

We participate in interest-based advertising, which means you may see ads for our services on other websites based on your browsing activity. We work with third-party advertising companies that collect information about your visits to our website and other sites to provide targeted advertisements.

You can opt out of interest-based advertising by visiting:

• Digital Advertising Alliance (DAA)
• Network Advertising Initiative (NAI)

Tracking Technologies

In addition to cookies, we use the following tracking technologies on our website:

• Google Analytics 4 (GA4): Collects anonymized usage data to help us understand website traffic and user behavior. You can opt out at tools.google.com/dlpage/gaoptout.
• Meta Pixel (Facebook): Tracks conversions from Facebook ads and enables targeted advertising. You can manage your ad preferences at facebook.com/adpreferences.
• Jornaya: Consent verification technology that documents your consent to be contacted. Jornaya places a cookie to record timestamps and consent-related data for TCPA compliance purposes.
• TrustedForm: Independent consent certification service that captures a snapshot of the form and consent language at the time of your submission to verify compliance.

For more information about managing cookies and tracking technologies, please see our Cookie Policy.

Do Not Call List

ClearChoiceQuote maintains an internal Do Not Call (DNC) list. You will be added to our internal DNC list if you:

• Text STOP in response to any text message from us
• Request removal during a phone call with one of our representatives or AI voice agents
• Email us at [email protected] with the subject line “Do Not Call”

We also honor the National Do Not Call Registry. However, if you have provided your express written consent to be contacted, you may still receive calls from ClearChoiceQuote and parties calling on our behalf until you revoke that consent.

SMS/Text Messaging

We will not share, sell, or distribute your mobile phone number or any information collected via SMS opt-in to third parties or affiliates for marketing or promotional purposes. SMS consent is not a condition of any purchase or service. Message frequency: 1 message per quote request. Message and data rates may apply. Reply STOP to opt out at any time.

Data Retention

We retain your personal information for specific periods based on the type of data and the purpose for which it was collected:

• Quote requests and lead data: 24 months from the date of collection, after which it is securely deleted or anonymized
• Call recordings: 7 years, as required for compliance with telecommunications regulations and dispute resolution
• Billing and financial records: 7 years, as required by applicable tax and financial regulations
• Do Not Call list entries: Retained indefinitely to ensure ongoing compliance with your opt-out preferences
• Consent records (TCPA/CCPA): 7 years from the date of consent to demonstrate compliance
• Website usage data and cookies: Up to 26 months, consistent with analytics platform retention settings

When your information is no longer needed for any of these purposes, we securely delete or anonymize it.

Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

International Data Transfers

Your personal information is processed and stored in the United States. Our services use cloud infrastructure provided by Microsoft Azure, as well as third-party services including Twilio (telephony) and ElevenLabs (AI voice technology), which process data in the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction. By using our services, you consent to the transfer of your information to the United States.

Your Choices

You have the following choices regarding your personal information:

• Opt-Out of Communications: You may opt out of marketing communications by following the unsubscribe instructions in emails, replying STOP to text messages, or contacting us directly.
• Access and Correction: You may request access to or correction of your personal information by contacting us.
• Deletion: You may request deletion of your personal information, subject to certain exceptions.

Nevada Privacy Rights

Nevada residents may submit a request directing us not to sell their personal information. To submit such a request, please contact us at [email protected] with the subject line “Nevada Privacy Request.”

Privacy Policy for California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).

Categories of Personal Information Collected

Sources of Personal Information

• Directly from you when you complete our forms
• Automatically through cookies and tracking technologies
• From third-party data providers and marketing partners

Business/Commercial Purposes for Collection

• To match you with insurance providers
• To facilitate communications regarding insurance products
• For advertising and marketing
• To improve our services
• To comply with legal obligations

Categories of Third Parties Who Receive Personal Information

• Insurance companies and licensed agents
• Lead aggregators and marketing partners
• Service providers (hosting, analytics, CRM)
• Advertising networks

Your California Privacy Rights

As a California resident, you have the right to:

• Right to Know: Request that we disclose the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out of Sale/Sharing: Direct us not to sell or share your personal information for cross-context behavioral advertising.
• Right to Non-Discrimination: Not receive discriminatory treatment for exercising your privacy rights.

How to Exercise Your Rights

To exercise your California privacy rights, you may:

• Submit a request through our CCPA Request Form
• Email us at [email protected]

Verification Process

When you submit a request, we will verify your identity by matching information you provide with information we have on file. We may ask for additional information to verify your identity. If we cannot verify your identity, we may deny your request.

Authorized Agents

You may designate an authorized agent to submit a request on your behalf. The authorized agent must provide proof of authorization (such as a power of attorney or written permission signed by you). We may also require you to verify your identity directly with us.

Texas Privacy Rights (TDPSA)

If you are a Texas resident, the Texas Data Privacy and Security Act (TDPSA) provides you with certain rights regarding your personal data:

• Right to Access: You have the right to confirm whether we are processing your personal data and to access that data.
• Right to Delete: You may request that we delete personal data you have provided to us or that we have obtained about you.
• Right to Correct: You may request correction of inaccurate personal data.
• Right to Data Portability: You have the right to obtain a copy of your personal data in a portable and readily usable format.
• Right to Opt Out: You may opt out of the processing of your personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise your Texas privacy rights, please email us at [email protected] with the subject line “Texas Privacy Request.” We will respond within 45 days. If we decline your request, you may appeal by contacting us at the same email address.

Other State Privacy Rights

Residents of the following states have similar privacy rights under their respective state laws:

• Virginia (VCDPA): Virginia residents may access, correct, delete, and obtain a copy of their personal data, and opt out of targeted advertising, sale of personal data, and profiling.
• Colorado (CPA): Colorado residents have rights to access, correct, delete, and port their personal data, and may opt out of targeted advertising, sale, and profiling.
• Connecticut (CTDPA): Connecticut residents may access, correct, delete, and obtain their personal data, and opt out of the sale of personal data, targeted advertising, and profiling.

To exercise rights under any state privacy law, please email [email protected] with your state of residence and the nature of your request. We honor universal opt-out mechanisms, including the Global Privacy Control (GPC) signal.

Third-Party Links

Our website may contain links to third-party websites, applications, or services that are not operated or controlled by ClearChoiceQuote. This Privacy Policy does not apply to those third-party sites. We are not responsible for their privacy practices, content, or data handling procedures. We encourage you to review the privacy policies of any third-party websites you visit before providing them with any personal information.

Global Privacy Control

ClearChoiceQuote honors the Global Privacy Control (GPC) signal. When we detect a GPC signal from your browser, we treat it as a valid request to opt out of the sale or sharing of your personal information. You can enable GPC in supported browsers or browser extensions. For more information, visit globalprivacycontrol.org.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. By using this site, you confirm you are at least 18 years old. If you believe we have collected information from a child, please contact us immediately at [email protected].

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by the “Last Updated” date at the top of this page. We encourage you to review this Privacy Policy periodically.

Contact Us

For privacy inquiries or to exercise your rights, contact us at: