Privacy Policy

This Privacy Notice ("Privacy Notice") describes how DEMO ("we," "us," or "our") collects, uses, shares, and secures your personal information in connection with our website (https://demo.com), as well as any related mobile applications and other digital properties that link to this Privacy Notice (collectively, the "Sites") and to provide our Sites, educational materials, insurance coverage estimates and quotes, insurance brokerage services, and other services (the "Services"). To the extent we collect information about you from third parties, the privacy and data security practices of such third parties govern their data collection practices and not this Privacy Notice. For the purposes of this Privacy Notice, "users," "you," and "your" means you as the user of the Sites and Services.

We may change this Privacy Notice at any time, in which case we will update the "Last Updated" date above. If we make material changes to the way we use the information we collect, we will use commercially reasonable efforts to notify you and will take additional steps to the extent required by applicable law. Your continued use of the Sites or Services following any updates to this Privacy Notice means that you consent to the updated notice.

I. How and Where We Collect and Use Your Information

1. Types and Sources of Information We Collect

The types and sources of information we collect about you depend on the Sites and Services you use, how you interact with us, and how you were referred to us. These may include:

Information You Provide Directly

We may collect personal information directly from you through our Sites and Services — online, over the telephone, via text messages, or through any other manner in which you communicate with us. This includes:

• Contact information such as your name, address, email address, and telephone number
• Insurance application information, such as health or financial information
• Company and agent information where applicable
• Any other personal information you choose to provide when communicating with us or applying for a product
• For certain products, your consent and information to enable assessment of your credit report and eligibility

Information from Third Parties

We may obtain information about you from third parties, including consumer reporting agencies, identity verification services, health care providers, insurance carriers, and business partners. We may also collect information from social networks or third-party platforms you use to access our Sites and Services. For example, if you log in via Google, we may collect your name, email address, country of residence, language preference, and profile picture.

Information Automatically Collected

When you visit our Sites or use our Services, we may automatically collect information from the devices and browsers you use ("Usage Information"), including analytics about how you interact with our Sites. Our Sites use technologies such as cookies, beacons, pixels, tags, session replay, and scripts ("Technologies") to store information, recognize you across visits, and remember your preferences. For more information about your choices, see the How to Opt-Out section below.

2. How We Use Your Information

Depending on how you interact with our Sites and Services, we may use your information for the following purposes:

• Account Management: To establish and maintain your online account
• Site Performance and Personalization: To analyze usage, personalize content, perform testing, and optimize our Sites and Services
• Marketing and Advertising: To tailor content, advertisements, and promotions you may see on our Sites or elsewhere online, and to enable targeted advertising for our advertising partners on platforms such as Facebook and Google
• Communications: To communicate with you via mail, email, chat, phone, or text message, and to respond to your inquiries and provide relevant services
• Customer Surveys and Reviews: To evaluate our level of service and improve our products and Sites. Participation is voluntary.
• Insurance Estimates and Applications: To provide insurance quotes, process applications, and facilitate coverage
• Legal and Compliance: To comply with applicable laws, respond to legal process, protect rights and safety, prevent fraud, enforce our Terms, and verify identity
• Business Operations: To aggregate data for internal business purposes and audit internal processes

II. How We Share Your Information

We may share your information with the following types of third parties and for the following purposes:

Affiliates

We may share personal information with our corporate group affiliates for general business purposes.

Service Providers and Contractors

We may share your information with service providers for market research, analytics, and for providing and improving our Sites and Services. These parties are contractually obligated to protect your information and use it only as directed by us.

Business Partners

We may share your information with insurance brokers and agents, financial services companies, insurance companies, and referral partners. This may occur if you were referred to us by a business partner, indicated interest in an insurance product, or submitted a request for quotes or an application through a business partner.

Advertising Partners

We may share personal information with third-party advertising platforms to obtain personalized advertising services. These parties may use information such as online identifiers, browsing history, and usage data to deliver relevant ads, measure campaign performance, and make inferences about your interests.

Corporate Transaction Participants

We may share or transfer personal information in connection with a merger, sale of company assets, financing, acquisition, dissolution, or similar corporate event. Some or all personal information may be part of the transferred assets.

Legal and Professional Advisors

We may share your information with professional advisors (e.g., lawyers, auditors, insurers) and in response to legal processes, such as subpoenas or law enforcement requests. We may also share information to enforce our agreements, protect the rights and safety of our users, and detect or prevent fraud and illegal activity.

Social Features

Certain features of our Services permit you to interact with third-party platforms such as Facebook or X. Use of these features may involve a third party's collection and use of your information, subject to their own privacy policies. Information you post through social features may be publicly displayed by those third-party platforms.

III. How We Secure Your Information

We maintain commercially reasonable administrative, physical, and technical safeguards designed to prevent unauthorized use, access, destruction, loss, alteration, or disclosure of your data.

• Credit card information submitted for purchases is not stored on our servers beyond the completion of your transaction
• Bank account information submitted for insurance purchases is encrypted and stored in encrypted form, accessed only to complete your application or purchase
• Payment information submitted via DocuSign is temporarily stored in encrypted form on DocuSign's servers and securely transmitted to the carrier

IV. Users From Outside the U.S.

Our Sites and Services are intended for use by U.S. residents. U.S. law, and not the laws of other countries, governs the Sites and Services. If you visit our Sites, your information will be maintained in the U.S. and in other locations where we may process data.

By default, we disable the submission of personal information from users using European Union and United Kingdom IP addresses. If you need access to your account from an EU or UK IP address, please email us at [email protected] with a description of the access you need and express consent to use any personal information in our possession to respond to your request.

V. Children

We do not knowingly collect personal information from children under the age of 13. If you are under 13, please do not provide us with any personal information or use the Sites or Services. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us immediately and we will delete that information from our databases.

VI. External Sites

Our Sites may contain links to third-party websites, including websites of insurance carriers offering products made available through our Services ("External Sites"). We do not endorse and are not responsible for the content or privacy practices of any External Sites. Before using any External Site, please review its terms of use and privacy policy, as those terms govern your use of that site.

VII. How to Opt-Out

If you wish to opt out of certain uses of your personal information, please email us at [email protected] and let us know what you wish to opt out of. Please note that certain uses of your information may be required to continue providing certain Services to you.

Do Not Track (DNT)

Some web browsers transmit "do-not-track" signals to websites. We do not currently have the ability to recognize Do Not Track signals. You can learn more at allaboutdnt.com.

Marketing Communications

You can opt out of marketing communications by emailing [email protected], clicking the unsubscribe link in any marketing email, or replying STOP to any marketing text message.

SMS / Text Messages

You may opt out of SMS messages at any time by replying STOP to any message. For assistance, reply HELP or contact us at [email protected]. Message and data rates may apply. Consent to receive SMS messages is not a condition of any purchase.

Third-Party Tracking

Like many companies, we use technologies provided by Google, Facebook, and other companies. You can limit third-party tracking through the following methods:

• Browser cookie controls: Most browsers let you remove or reject cookies. Visit allaboutcookies.org for more information
• Mobile advertising ID: Your mobile device settings may allow you to limit use of the advertising ID for interest-based advertising
• Privacy plug-ins or browsers: Tools such as Privacy Badger, Ghostery, uBlock Origin, or the Brave browser can block third-party tracking
• Platform opt-outs: Google · Facebook · X (Twitter)
• Industry opt-out tools: Digital Advertising Alliance · Network Advertising Initiative

VIII. Data Retention

We generally retain your information for as long as your account is active or as needed to provide the Services to you. We may retain information longer if reasonably necessary for legitimate business or legal purposes, including to resolve disputes, comply with legal obligations, enforce our agreements, prevent fraud, or for any other purpose permitted by law.

If you request that we delete your information, please note that it is not always possible to completely remove all of your information from our databases, and residual data may remain on backup systems.

IX. Additional Information for Residents of Certain U.S. States

If you are a resident of certain U.S. states, you may be entitled to additional rights regarding how we collect, use, and share your personal information. These may include the right to know, the right to delete, the right to correct, the right to opt out of sale or sharing, and the right to non-discrimination for exercising your privacy rights.

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to limit use of sensitive personal information. To exercise your rights, please contact us at [email protected]. We will respond to verified requests within 45 days as required by applicable law.

X. Contact Us

If you have questions or would like more information regarding our privacy practices, please contact us:

• Company: DEMO
• Address: 1234 Main Street, Suite 100, Anytown, CA 90000
• Email: [email protected]
• Phone: (555) 000-0000
• Website: https://demo.com