Privacy Policy

Your privacy is critically important to us. Here's how we protect it.

Privacy Policy

1. Our Commitment to Your Privacy

Welcome to InsuranceSmartCalculator ("we," "us," or "our"). We are dedicated to making insurance simple, practical, and rewarding. Central to this mission is our commitment to transparency and the protection of your privacy. This Privacy Policy explains how we handle information when you visit our website and use our services ("Services"), including our insurance tips, financial news, and smart calculator applications. Our policy is designed to be compliant with major international data protection regulations and to be transparent about our data practices.

2. Our Core Data Philosophy: Anonymity and No Personal Data Collection

We have fundamentally designed our Services to be accessible without requiring you to provide any personal information. You do not need to create an account, register, or provide details such as your name, email address, phone number, or physical address to access our content and tools. Our goal is to provide valuable information anonymously.

3. Information We Collect and Its Purpose

While we do not collect Personally Identifiable Information (PII), we do collect some non-personal technical data automatically to ensure our website functions correctly and to improve the user experience.

Log and Usage Data: When you visit our website, our servers automatically record information ("Log Data") that your browser sends. This Log Data is anonymized and may include your device's Internet Protocol (IP) address (which we may anonymize), browser type and version, the pages you visit on our site, the time and date of your visit, the time spent on those pages, and other statistical data. This information is used strictly for analytical purposes to understand traffic patterns and improve our Service.

Cookies and Similar Technologies: We use cookies, which are small datas files stored on your device, to enhance your user experience.

Essential Cookies: These are necessary for the website to function and cannot be switched off.

Performance and Analytics Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some parts of our Service may not function as intended.

4. Third-Party Advertising and Ad Partners

Google AdSense and Advertising Cookies

We use third-party advertising companies, including Google AdSense, to serve advertisements when you visit our website. These companies may use information about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

What Information is Used:

Google AdSense uses cookies to serve ads based on your prior visits to our website or other websites
Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our sites and/or other sites on the Internet
This information does NOT include personally identifiable information such as your name, address, email address, or telephone number

How to Opt-Out:

You may opt out of personalized advertising by visiting Ads Settings
You can also opt out of a third-party vendor's use of cookies for personalized advertising by visiting aboutads.info
European users can visit youronlinechoices.eu

Google's Privacy Policy: For more information about Google's advertising practices and privacy policies, please visit:

Other Advertising Partners

We may partner with other third-party ad networks and exchanges to display advertising on our website. These partners may use cookies, web beacons, and other tracking technologies to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests.

Information Collected by Ad Partners:

Device type and browser information
IP address (anonymized)
Pages visited and time spent on pages
Referring website
Geographic location (city/country level only)

Your Choices: You can control cookie settings through your browser preferences. Please note that disabling cookies may affect your ability to access certain features of our website and may result in less relevant advertising.

5. Affiliate Links and Sponsored Content

Affiliate Disclosure

Important: Some links on our website may be affiliate links. When you click on these links and make a purchase or take an action, we may earn a commission at no additional cost to you.

What This Means:

We may receive compensation from insurance companies, financial institutions, or other partners when you click on certain links
This compensation helps us maintain and improve our free content and tools
Our editorial integrity is never compromised - our recommendations and content are based on merit, not compensation

Transparency Promise:

We clearly identify sponsored content when present
Our reviews and comparisons remain objective and unbiased
We only recommend products and services we believe provide value to our users

How We Maintain Editorial Independence

Despite receiving advertising revenue and affiliate commissions:

Our content is created by our editorial team without influence from advertisers
We do not accept payment to alter our editorial opinions or rankings
Advertising and editorial functions are strictly separated
We disclose all material relationships that could be perceived as conflicts of interest

6. Analytics and Performance Tracking

We use third-party analytics services, such as Google Analytics, to help us understand how visitors use our website.

Information Collected:

Pages you visit and how long you spend on each page
How you arrived at our website (search engine, direct link, referral)
What device and browser you're using
General geographic location (city/country)
Actions taken on the website (calculator usage, article views)

Purpose: This information helps us:

Improve website performance and user experience
Understand which content is most valuable to our users
Identify and fix technical issues
Make data-driven decisions about new features

Your Privacy:

All analytics data is aggregated and anonymized
We cannot identify individual users from this data
You can opt-out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on

7. GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR).

Your Rights Include:

Right to Access - You can request information about the data we collect
Right to Rectification - You can request correction of inaccurate data
Right to Erasure - You can request deletion of your data
Right to Restrict Processing - You can request we limit how we use your data
Right to Data Portability - You can request a copy of your data
Right to Object - You can object to our processing of your data
Right to Withdraw Consent - You can withdraw consent for data processing at any time

How to Exercise Your Rights:

To exercise any of these rights, please contact us at:

Email: privacy@insurancesmartcalculator.com
Response Time: We will respond to your request within 30 days

Legal Basis for Processing:

We process your data based on:

Legitimate Interest - To operate and improve our website
Consent - When you accept cookies or opt-in to communications
Compliance - To comply with legal obligations

Data Retention:

Analytics data: Retained for 26 months
Cookie data: Retained according to cookie type (session to 2 years)
Contact form data: Retained for 2 years or until you request deletion

8. CCPA Compliance (California Users)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA).

Your California Privacy Rights:

Right to Know - You can request information about:

Categories of personal information collected
Categories of sources from which information is collected
Business or commercial purpose for collecting information
Categories of third parties with whom we share information

Right to Delete - You can request deletion of your personal information
Right to Opt-Out - You can opt-out of the sale of personal information

Important: We do NOT sell personal information

Right to Non-Discrimination - We will not discriminate against you for exercising your rights

How to Make a Request:

Email: privacy@insurancesmartcalculator.com
Subject Line: "California Privacy Rights Request"

Include:

Your full name
Email address
Specific request (access, deletion, opt-out)
Verification information (we may ask follow-up questions to verify your identity)

Response Time: We will respond within 45 days

Do Not Sell My Personal Information

We do not sell your personal information to third parties. However, we do use advertising services that may use cookies and similar technologies to serve personalized ads, which may be considered a "sale" under CCPA.

To opt-out of personalized advertising:

Visit: Google Ads Settings
Or use the "Do Not Sell My Personal Information" link in our footer

9. Children's Privacy

Our website and services are not directed to individuals under the age of 18.

We do not knowingly collect personal information from children under 18
If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information
If you believe your child has provided information to us, please contact us at privacy@insurancesmartcalculator.com

10. International Data Transfers

Our website is operated in the United States. If you are accessing our website from outside the United States, please be aware that:

Your information may be transferred to and maintained on servers located in the United States
The United States may have different data protection laws than your country
By using our website, you consent to the transfer of your information to the United States

For EEA users, we comply with applicable data transfer mechanisms and safeguards required by GDPR.

11. Data Security

We implement reasonable security measures to protect the information we collect:

Technical Measures:

SSL/TLS encryption for data transmission (HTTPS)
Secure hosting infrastructure
Regular security updates and patches
Access controls and authentication

Organizational Measures:

Limited access to data (only authorized personnel)
Employee training on data protection
Regular security audits
Incident response procedures

Important: While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

12. Cookie Consent and Management

Cookie Banner

When you first visit our website, you will see a cookie consent banner. By clicking "Accept" or continuing to use our website, you consent to our use of cookies as described in this policy.

Managing Your Cookie Preferences

Browser Settings: Most web browsers allow you to:

View what cookies are stored
Delete existing cookies
Block or allow cookies from specific sites
Block third-party cookies
Clear all cookies when you close your browser

Instructions by Browser:

Impact of Disabling Cookies:

Some features of our website may not function properly
You may see less relevant advertising
Your preferences may not be saved

Types of Cookies We Use

Essential Cookies:

Required for website functionality
Cannot be disabled
Example: Session management, security

Performance Cookies:

Help us understand how visitors use our website
Example: Google Analytics

Advertising Cookies:

Used to deliver relevant advertisements
Track advertising effectiveness
Example: Google AdSense

Cookie Duration:

Session cookies: Deleted when you close your browser
Persistent cookies: Remain for a set period (varies by cookie type)

13. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

How We Notify You:

We will update the "Effective Date" at the top of this policy
Significant changes will be prominently posted on our website
For material changes, we may provide additional notice (email notification if you've subscribed)

Your Responsibility:

Review this policy periodically to stay informed
Continued use of our website after changes constitutes acceptance of the updated policy

Archive: Previous versions of this Privacy Policy are available upon request.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: privacy@insurancesmartcalculator.com
Subject Line: "Privacy Policy Inquiry"

Mailing Address: info@insurancesmartcalculator.com

Response Time:

General inquiries: Within 5 business days
Privacy rights requests: Within 30 days (45 days for CCPA requests)
Urgent privacy concerns: Within 24-48 hours

Summary of Key Points

For your convenience, here's a summary of our privacy practices:

✓ No Account Required - You can use our website without providing personal information
✓ Anonymous Usage - We collect minimal technical data to improve our service
✓ Third-Party Ads - We use Google AdSense and other ad partners
✓ Affiliate Links - We may earn commissions on some links
✓ Your Control - You can opt-out of personalized ads and manage cookies
✓ Not Sold - We do not sell your personal information
✓ Your Rights - GDPR and CCPA rights are respected
✓ Security - We use industry-standard security measures
✓ Transparency - We're committed to clear communication about our practices

Last Updated: October 18, 2025

Effective Date: October 1, 2025

Version: 2.0