At InsureBudget.com (“Company,” “we,” “our,” or “us”), your privacy and trust are very important to us. We understand that when you provide personal information, you expect it to be handled with care and responsibility. This Privacy Policy explains how we collect, store, use, and protect your information. By visiting or using our website, you acknowledge and agree to the terms described here.
We follow applicable federal and state laws regarding data privacy, including standards enforced by regulatory bodies in the insurance and marketing industries.
1. Browsing Our Website
You may visit our website without telling us who you are or revealing personally identifiable details. Unless you voluntarily submit information—such as by completing a form or contacting us—we will not know your name, email, phone number, or other identifiers.
Like most websites, our servers automatically record basic non-personal data from your browser when you visit. This may include:
- IP address
- Date and time of your request
- Pages viewed and referring/exit URLs
- Browser type, operating system, and language settings
- General location data based on IP address
We use this information for site operation, performance improvement, and analytics.
2. Information We Collect
If you request a quote, fill out a form, or otherwise engage with our services, we may collect personal information such as:
- Name, address, phone number, and email address
- Date of birth and demographic data (e.g., age range, gender, income bracket)
- Insurance-related details necessary for quotes or policy information
- Contact preferences
We may also receive additional information from:
- Your communications with us (phone, email, web forms)
- Transaction histories with our company, affiliates, or partners
- Public databases or legally permissible third-party sources
3. Use of Your Personal Information
We use the personal data we collect for purposes including:
- Providing Medicare, Final Expense, and other insurance quotes or services
- Connecting you with licensed insurance agents or carriers
- Processing transactions you request
- Sending relevant marketing or promotional materials (unless you opt out)
- Improving website functionality, content, and security
- Meeting legal or regulatory compliance obligations
4. Sharing Your Information
We may share your personal information with:
- Licensed insurance professionals and carriers
- Compliance and verification providers (e.g., ActiveProspect’s TrustedForm)
- Marketing partners who help deliver relevant offers
- Service providers that perform functions on our behalf (e.g., data hosting, email distribution, customer service)
We will not sell your personal information to unrelated third parties.
However, we reserve the right to disclose personal data when:
- Required by law, subpoena, or legal process
- Necessary to enforce our agreements or protect rights, property, or safety
- Part of a business transfer such as a merger, acquisition, or sale of assets
5. Cookies and Tracking Technologies
Our website uses cookies, session IDs, and similar technologies to:
- Enhance navigation and user experience
- Save user preferences for future visits
- Analyze site traffic and marketing effectiveness
Cookies are small text files stored on your device. You may disable cookies in your browser, but doing so may limit certain site features.
We may also use tracking pixels, web beacons, or clear GIFs in web pages or emails to measure engagement.
Some of our advertising and analytics partners may place their own cookies, which are subject to their privacy policies.
6. Email, Call, and Text Communications
By submitting your contact details, you agree that we and our partners may contact you via:
- Telephone calls (including automated dialing systems)
- SMS/text messages
- Email communications
This consent applies even if your number is on a federal or state Do Not Call list. You may opt out at any time by following the unsubscribe instructions provided or by contacting us directly.
7. Your Privacy Choices and Opt-Out Rights
You have the right to:
- Opt out of marketing communications
- Limit certain types of data sharing
- Request access to the personal information we hold about you
- Ask us to correct or delete your information
To exercise these rights, contact us via the details in Section 14.
8. Data Security
We take reasonable precautions to safeguard your personal data, including:
- Secure Socket Layer (SSL) encryption during data transmission
- Restricted access to sensitive data
- Firewalls and intrusion prevention measures
- Regular monitoring for unauthorized access
While we use industry-standard security practices, no method of transmission or storage is 100% secure.
9. Third-Party Links and Websites
Our website may contain links to external websites. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing personal information.
10. California Consumer Privacy Act
Category of Information | Examples | Information Collected | |
Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. | Yes | |
Categories of personal information described in subdivision (e) of Section 1798.80. | A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card, or any other financial information, medical information, or health insurance information. | Yes | |
Characteristics of protected classifications under California or federal law | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran military status, genetic information (including familial genetic information). | Yes | |
Commercial Information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Yes | |
Biometric information | An individual’s physiological, biological or behavioral characteristics, including an individual’s deoxyribonucleic acid (DNA), that can be use, singly or in combination with each other or with other identifying data, to establish individual identity, including but not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information. | No | |
Internet or other electronic network activity information | Browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, advertisement. | Yes | |
Geolocation data | Physical location, position, and movement data. | Yes | |
Sensory information | Audio, electronic, visual, thermal, olfactory, or similar information. | No | |
Professional or employment-relat ed information | Present and past employment data. | Yes | |
Education information | Education records maintained by educational institutions or third parties on behalf of these institutions. | Yes | |
Inferences drawn from any other information | Data reflecting a consumer’s preferences, characteristics, habits, attitudes, predispositions, intelligences, and abilities. | Yes | |
This section of the Privacy Policy supplements the information contained elsewhere in our Privacy Policy and applies to visitors, users, and others who reside in the state of California (“Consumers”). The provisions contained within this section is intended to provide notices in compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined by the CCPA have the same meaning when used in this section.
11. Children’s Privacy
In compliance with the Children’s Online Privacy Protection Act (COPPA), we do not knowingly collect information from anyone under the age of 13.
12. Business Transfers
If our company is acquired, merged, or undergoes a similar change in ownership, personal information may be transferred as part of the transaction.
13. Changes to This Privacy Policy
We may update this Privacy Policy periodically. When we do, the updated version will be posted here with a new effective date. Significant changes will be clearly communicated.
14. Contact Us
If you have questions or concerns regarding this Privacy Policy, contact us at:
Email: privacy@insurebudget.com
