Privacy Policy

Last updated: 6/16/2024

This Privacy Notice (“Privacy Notice”) describes how CarGuardia (“CarGuardia”, “we”, “our” or “us”) handles your personal information when you:

The Site and Services are collectively referred to as the “Platform”.

IF YOU ARE CALIFORNIA RESIDENT:

If you are a resident of California, this entire Privacy Notice applies to you. However, please also see the section titled Additional Information for California Residents below, which will inform you in detail about our information collection practices and your specific rights.

We recommend that you read this Privacy Notice carefully as it provides important information about your personal information. It also tells you about your rights under the law. If, after reviewing this Privacy Notice, you have any questions or concerns, please send us an email to help@carguardia.com.

If you are a CarGuardia user, your access to and use of our Services are subject to our Terms and Conditions, which define some of the terms used throughout this Privacy Notice. Please make sure that you have carefully read and understand the Terms and Conditions before you use our Platform. By using our Platform, you accept the Terms and Conditions, and accept our privacy practices described in this Privacy Notice.

Changes to This Privacy Notice

We may update this Privacy Notice from time to time. If we make material changes to this Privacy Notice, we will post our updated Privacy Notice on the Site, and for a reasonable period of time we will post notice of the change such that it is visible to visitors after the change is posted. By your continued use of the Platform, you will be deemed to consent to the terms of the revised Privacy Notice.

What Personal Information Do We Collect?

As used in this Privacy Notice, “personal information “means any information about an individual from which that person may be identified. Personal Information includes obvious things, like your name, telephone number, email address and street address, as well as less obvious things like your IP address, device ID and location information. Personal information does not, however, include information from which the identity of an individual has been definitively removed (also known as anonymous or anonymized data).

In order to provide the Platform and Services, we collect various types of information. We collect personal information directly from you when you provide it to us, such as when you contact us to inquire about or purchase insurance plans from our licensed insurance agents or our affiliate’s licensed insurance agents or you purchase related services with us or otherwise communicate with us verbally or in writing. We also may collect information indirectly, such as through automated technologies (e.g., cookies). As well, we may receive your personal information from affiliate partners that you provided your information to directly.

Personal Information You Provide to Us

General Inquiries

You can generally visit the Platform without having to submit any personal information about yourself to us. However, if you require more information about our Services, you may contact us via email, telephone or otherwise, in which case we will collect your name and email address, as well as any other information that you submit to us via email.

Auto Insurance Plan Shopping, Comparison and Purchase

If you wish to shop and compare insurance plans in your area you will be required to provide the following information:

This information may also be shared with a CarGuardia affiliate agency.

Personal Information We Collect Indirectly

Automatically-Collected Information

When you visit our Sites, we (or our authorized service providers) automatically collect information about the computer or devices (including mobile devices) you use to access the Platform, and your interactions with the Platform, such as through cookies and other automated technologies. For example, we may collect and store information such as your browser type, IP address, language, operating system, location of your wireless device (e.g., latitude and longitude), the state or country from which you accessed the Platform, unique device identifier, the pages you view, length of time spent on pages, the manner in which you use the Platform (e.g., the content you access, view, click on, search for etc.), the date and time of your visit, the websites you visited immediately before and after visiting the Platform, error logs, and other hardware and software information, as well as other geographic and demographic information.

We may use cookies and similar tools, to assist in collecting this information, as further explained below. We may use this information to formulate statistical models about use of the Platform, enhance the Platform for our users, and provide you with information about new opportunities, and tailored content, advertising, marketing and as otherwise discussed in this Privacy Notice.

For more information about our use of cookies and similar technologies, please see Cookies and Similar Technologies below.

Location Information

We or our authorized third–party service providers also collect broad geographic location (e.g., country or city-level location) based upon IP address, in order to determine which licensed insurance products are available for purchase in your area, the popularity of products in different geographic locations and guide marketing strategies.

Please check your specific browser or device settings to disable location services.

Third Parties

We may collect personal information from third parties, such as our service providers, in connection with and in order to facilitate a transaction.

Cookies and Similar Technologies

What are Cookies, Pixels and Local Storage?

The Site uses “cookie” technology and similar online tools, such as web beacons and web pixels. “Cookies” are small files that a website stores on a user’s computer or device and through which personal information may be collected. The Site use cookies for various purposes, including to keep the information you enter on multiple pages together.

Some cookies are first-party cookies – meaning our cookies – and others are third-party cookies, meaning that they are placed on the Site by authorized third parties, such as Google. Most web browsers automatically accept cookies, but you may set your browser to block certain cookies (consult the instructions for your particular browser on how to do this). Please note that if you decide to block cookies, this may interfere with your ability to perform certain transactions, use certain functionality, and access certain content on the Site.

We use “session” cookies, meaning that they are automatically deleted from your hard drive after you close your browser at the end of your session. Session cookies are used to optimize performance of the Site and to limit the amount of redundant data that is downloaded during a single session. We also use “persistent” cookies, which remain on your computer or device unless deleted by you (or by your browser settings). We use persistent cookies for various purposes, such as statistical analysis of performance to ensure the ongoing quality of our Site.

Generally speaking, technologies that work like cookies include “pixels”, which many websites use to learn whether you’ve interacted with certain web or email content, and “local storage”, an industry-standard technology that allows a website or application to store information locally on your computer or mobile device.

Some of the cookies or similar technologies that may be used are “essential” for the Site to function, while other are “functional” in that they allow sites to add additional functionality. Other cookies or similar technologies help us improve our Site and measure audiences through analytics, including via Google Analytics and Hotjar, as further explained below.

Your Choices

Most web and mobile device browsers automatically accept cookies, but if you prefer, you can change your browser settings to block certain cookies (consult your browser instructions on how to do this). You may also clear your browser history and cookies. In some cases, this may mean that we can no longer use your browser history to send you relevant content or products in the future. However, if you decide to block cookies or similar technologies, this may interfere with your ability to use certain functions and access certain content on our Site.

Analytics Tools

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. We also use Google Analytics to analyze website traffic and user behavior to further enhance our offerings.

Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising.

Microsoft Clarity

Microsoft Clarity helps us understand how you interact with our website by providing insights through session replays and heatmaps. This data allows us to improve the user experience and optimize our services. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

Google Analytics

We use Google Analytics to collect information about your use of our website, including the pages you visit, the time you spend on each page, and how you found our site. This information helps us to understand user behavior and preferences, allowing us to enhance our website and services. Google Analytics collects data via cookies and other tracking technologies. For more information about how Google collects and uses your data, visit the Google Privacy Policy.

By using our website, you consent to the collection and use of your data by us, Microsoft Clarity, and Google Analytics as described above.

Do Not Track

“Do Not Track” is a preference you can set in your web browser to let the sites you visit know that you do not want them collecting certain information about you. We do not currently respond to, or honor, Do Not Track signals or similar mechanisms. Instead, you may use the range of other tools to control data collection and use, including the cookie controls and advertising controls described above.

How We Use Your Information

We use the personal information we collect for various purposes, as described below:

How We Share Your Information

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

Your Rights and Choices

You have certain rights and choices regarding your personal information, including:

If you would like to exercise any of these rights, please contact us at help@carguardia.com.

Additional Information for California Residents

If you are a resident of California, you have certain additional rights under the California Consumer Privacy Act (“CCPA”). These rights include:

If you would like to exercise any of these rights, please contact us at help@carguardia.com.

Contact Us

If you have any questions or concerns about this Privacy Notice, please contact us at help@carguardia.com.

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