Overview#
Important: We are an educational tool, not an insurance company or broker. We do not sell insurance, make insurance recommendations, or facilitate insurance transactions. Our calculator provides educational estimates and information to help you understand car insurance factors.
We respect your privacy and are committed to protecting your personal information. This policy explains what information we collect, how we use it, and your rights regarding your data.
Scope#
This Privacy Policy applies to:
- Our website (uscarinsurancequotes.com)
- Our car insurance calculator tool
- Any related services we provide
- Information collected through cookies and analytics
This policy does not apply to third-party websites or services linked from our site.
Information We Collect#
Personal Information You Provide
- Vehicle Information: Make, model, year, mileage, usage type
- Driver Information: Age range, driving experience, record status
- Location Data: State, ZIP code, area type (urban/suburban/rural)
- Coverage Preferences: Desired coverage types, deductible preferences, budget
- Optional Contact Information: Email address (only if you choose to receive reports)
- Current Insurance Data: Current insurer, premium, expiry date (optional)
- Financial Information: Credit score range (optional)
Automatically Collected Information
- Technical Data: IP address, browser type, device information, operating system
- Usage Data: Pages visited, time spent, form interactions, calculator usage patterns
- Analytics Data: User behavior, traffic sources, conversion events
- Cookie Data: Preferences, session data, analytics identifiers
Third-Party Information
We may receive information from:
- Analytics providers (Google Analytics)
- Advertising networks
- Public databases (for insurance market data)
How We Use Information#
Primary Purposes
- Generate Estimates: Calculate personalized insurance premium estimates
- Provide Analysis: Offer money-saving recommendations and coverage insights
- Improve Service: Enhance calculator accuracy and user experience
- Educational Content: Provide relevant insurance education and tips
Secondary Purposes
- Customer support and communication
- Security and fraud prevention
- Legal compliance and enforcement
- Analytics and performance improvement
- Marketing communications (with consent)
Legal Basis for Processing#
We process your personal information based on:
- Legitimate Interest: Providing educational calculator services and improving user experience
- Consent: Email communications, optional data collection, cookie usage
- Legal Compliance: Meeting regulatory requirements and responding to legal requests
- Contract Performance: Delivering the calculator service you requested
Information Sharing#
We Do NOT:
- Sell your personal information to third parties
- Share data with insurance companies for sales purposes
- Provide data to insurance brokers or agents
- Use your information for insurance marketing
Limited Sharing Scenarios
We may share information only in these specific circumstances:
- Service Providers: Analytics, hosting, and technical support (under strict data protection agreements)
- Legal Requirements: Court orders, subpoenas, or regulatory compliance
- Safety Concerns: Preventing fraud, abuse, or protecting user safety
- Business Transfers: In case of merger, acquisition, or sale (with user notification)
- Aggregated Data: De-identified, statistical data for research (cannot identify individuals)
Third-Party Services#
We use the following third-party services:
Analytics & Performance
- Google Analytics: Website traffic and user behavior analysis
- Bootstrap CDN: User interface components
- Google Fonts: Typography services
Hosting & Infrastructure
- Web Hosting Provider: Secure data storage and website delivery
- Content Delivery Network: Fast, secure content delivery
Each third-party service operates under their own privacy policies. We review and select providers based on their data protection standards.
Cookies & Analytics#
Types of Cookies We Use
- Essential Cookies: Required for basic site functionality (form data, preferences)
- Analytics Cookies: Help us understand how users interact with our site
- Performance Cookies: Optimize site speed and reliability
- Advertising Cookies: May be placed by advertising partners (third-party)
Your Cookie Choices
You can control cookies through:
- Browser settings (block, delete, or receive notifications about cookies)
- Opt-out tools provided by advertising networks
- Google Analytics opt-out browser add-on
Note: Disabling essential cookies may affect site functionality.
Data Security#
We implement industry-standard security measures:
Technical Safeguards
- SSL/TLS encryption for data transmission
- Encrypted data storage
- Secure server infrastructure
- Regular security audits and updates
- Access controls and authentication
Operational Safeguards
- Employee access controls and training
- Data processing agreements with vendors
- Incident response procedures
- Regular backup and recovery testing
Important: No online service is 100% secure. While we use industry-standard protections, we cannot guarantee absolute security. Please use caution when sharing sensitive information online.
Data Retention#
We retain information based on purpose and legal requirements:
- Calculator Data: 30 days (unless you request deletion)
- Analytics Data: 26 months (Google Analytics default)
- Email Communications: Until you unsubscribe or request deletion
- Support Communications: 3 years for quality and legal purposes
- Legal/Safety Records: As required by law or until resolved
You can request earlier deletion of your data by contacting us.
Children's Privacy#
Age Restriction: Our service is designed for adults aged 18 and older. We do not knowingly collect personal information from children under 13.
If we discover we have collected information from a child under 13:
- We will delete the information immediately
- We will not use the information for any purpose
- We will not share the information with third parties
Parents who believe we may have collected information from their child should contact us immediately.
Your Privacy Rights#
You have the right to:
Access & Control
- Access: Request a copy of personal information we have about you
- Correct: Update or correct inaccurate information
- Delete: Request deletion of your personal information
- Opt-Out: Unsubscribe from marketing communications
- Data Portability: Receive your data in a portable format
How to Exercise Your Rights
Contact us at cosmicraydev@outlook.com with:
- Clear description of your request
- Verification of your identity
- Specific information you want to access/change/delete
We will respond within 30 days of receiving your request.
California Privacy Rights (CCPA/CPRA)#
If you are a California resident, you have additional rights:
California Consumer Rights
- Know: What personal information we collect, use, share, and sell
- Delete: Request deletion of personal information
- Opt-Out: Opt out of the sale of personal information
- Non-Discrimination: Equal service regardless of privacy choices
- Correct: Request correction of inaccurate information
- Limit: Limit use of sensitive personal information
Information About Our Data Practices
We DO NOT sell personal information. In the past 12 months, we have:
- Collected the categories of information listed in this policy
- Used information for the purposes described above
- Shared information only with service providers under contract
- Not sold personal information to third parties
Making Requests
California residents can make requests:
- Email: cosmicraydev@outlook.com
- Subject line: "California Privacy Rights Request"
- Include: Full name, email, description of request
We will verify your identity before processing requests.
International Users#
Our service is designed for US residents and operates under US law. If you access our service from outside the US:
- Your information may be transferred to and processed in the United States
- US privacy laws may differ from your country's laws
- We implement appropriate safeguards for international transfers
- You consent to such transfer by using our service
EU/UK Users: While we don't specifically target EU/UK residents, if you access our service, we will honor GDPR rights where applicable. Contact us to exercise your rights under GDPR.
Policy Changes#
We may update this Privacy Policy to reflect:
- Changes in our data practices
- New legal requirements
- Improvements to our service
- User feedback and requests
How We Notify You
For material changes, we will:
- Update the "Last Updated" date at the top of this policy
- Post prominent notice on our website
- Email users who provided contact information (for significant changes)
- Provide at least 30 days notice before changes take effect
Continued use of our service after changes indicates acceptance of the updated policy.
Contact Us#
For privacy-related questions, requests, or concerns:
Privacy Contact:
Email: cosmicraydev@outlook.com
Subject: Privacy Inquiry - [Your Specific Question/Request]
We aim to respond to all privacy inquiries within 30 days. For urgent matters, please clearly mark your email as "URGENT PRIVACY MATTER."
What to Include in Your Message
- Clear description of your question or request
- Information needed to verify your identity
- Specific details about what information you're asking about
- Your preferred response method