1. Overview & Scope
Welcome to InsuranceWhen (“InsuranceWhen,” “we,” “us,” or “our”), operating via insurancewhen.us. We understand that your privacy is of paramount importance when researching insurance options. This Privacy Policy describes how we collect, process, maintain, and disclose information gathered through our website and referral services.
Key Principle: InsuranceWhen is a consumer information and insurance referral platform. We do not underwrite policies or act as an insurance carrier. We connect consumers with licensed insurance providers and agents who can fulfill their quote and policy inquiries.
2. Information We Collect
We collect information you voluntarily provide to us when completing our online inquiry forms, contacting us via email, or interacting with our digital resources:
| Category | Examples | Purpose |
|---|---|---|
| Contact Information | First & last name, email address, telephone number, mailing ZIP code. | Fulfilling quote requests and enabling licensed agent consultations. |
| Coverage Inquiries | Insurance category (health, life, auto, home, Medicare, business), timing, contact preferences. | Matching your inquiry with appropriate licensed specialists. |
| Technical & Usage Data | IP address, browser type, operating system, pages visited, referring URLs. | Security monitoring, site optimization, and fraud prevention. |
3. How We Use Your Information
We use the personal information collected on InsuranceWhen for legitimate business purposes:
- To match your inquiry with authorized insurance brokers, agents, and carrier networks in your jurisdiction.
- To provide confirmation notifications and customer service follow-ups.
- To improve website performance, user experience, and form reliability.
- To maintain compliance with federal telemarketing, TCPA, and state insurance regulations.
- To prevent fraudulent submissions, bots, and unauthorized platform access.
4. Sharing and Disclosure of Information
To fulfill your request for insurance options, InsuranceWhen may disclose your submitted information under the following circumstances:
- Authorized Insurance Partner Network: With licensed insurance carriers, agencies, or lead aggregators who assist in quoting and servicing your insurance request.
- Technical Service Providers: With vetted IT, hosting, database, and analytics vendors who operate under strict non-disclosure and security covenants.
- Legal Compliance: When required by lawful court order, subpoena, or governmental regulatory authority.
5. Cookies & Tracking Technologies
We may use cookies, web beacons, and session pixels to analyze website traffic and maintain form state across multi-step submissions. You may configure your browser to reject cookies, though certain interactive features may have reduced functionality.
6. Data Security Safeguards
We maintain physical, electronic, and administrative safeguards designed to protect personal information against unauthorized access, destruction, or disclosure. All web traffic between your browser and our servers is secured using 256-bit SSL encryption.
7. State Privacy Rights (California CCPA/CPRA, Virginia, Colorado, Connecticut)
Residents of California, Virginia, Colorado, Connecticut, and other states with comprehensive data privacy laws enjoy specific statutory rights regarding their personal data:
- Right to Know / Access: You may request disclosure of the specific pieces of personal information collected about you.
- Right to Deletion: You may request deletion of personal information retained by InsuranceWhen, subject to statutory exemptions.
- Right to Opt-Out: You may direct us not to sell or share your personal information. Visit our Do Not Sell or Share My Personal Information page to submit an opt-out request.
- Right to Non-Discrimination: We will never discriminate against you in pricing, service level, or responsiveness for exercising your privacy rights.
8. Children's Privacy
InsuranceWhen is intended exclusively for adults age 18 and older. We do not knowingly collect or solicit personal information from children under 13 under the Children's Online Privacy Protection Act (COPPA).
9. How to Contact Our Privacy Team
For questions or requests concerning this Privacy Policy, please contact our data governance team:
InsuranceWhen Privacy Office
Domain: insurancewhen.us
Email: connect@insurancewhen.us
Response Time: We aim to acknowledge inquiries within 5 business days.