Privacy Policy

Last revised: September 15, 2025

Your privacy is important to us. This Privacy Policy (“Privacy Policy”) governs the use of your personal information (as defined below) in connection with any websites, landing pages, online services, advertisements, and/or applications owned or operated by InsuraCore Solutions (“InsuraCore Solutions.com,” “we,” “us,” or “our”), including, without limitation, in connection with:

This Privacy Policy explains what information we collect about you, how we use or disclose such information, how to exercise any rights you may have with respect to your personal information (including any rights to opt out of certain uses of your information), and the safeguards we have in place to reduce the risk of unauthorized access and use.

Please carefully read this Privacy Policy, which is part of our Terms & Conditions, before using our Site and/or Services. If you do not agree with the Terms & Conditions and/or the Privacy Policy, you must refrain from using our Site and/or Services. By accessing or using our Site/Services you agree to our use of your information consistent with the Terms & Conditions and this Privacy Policy.

1. Insurance Disclaimer

InsuraCore Solutions is not an insurance company. We are an independent life insurance agency that connects consumers with licensed agents, agencies, and carriers who may be able to provide insurance products.

We do not charge individuals or businesses to submit inquiries through our Site or Services. At this time, InsuraCore Solutions does not receive compensation for such connections, but we may be compensated in the future by licensed agents, agencies, carriers, or third-party insurance service websites (such websites and their operators referred to herein as “Insurance Services”).

We do not endorse or recommend any specific insurance product or carrier, nor do we provide financial, legal, or tax advice. We are not responsible for the actions, communications, or representations of third-party insurance agents, carriers, or service providers.

2. PRIVACY POLICY CHANGES

This Privacy Policy is subject to change. We encourage you to review this Privacy Policy frequently for any revisions or amendments. Such changes to this Privacy Policy will be posted on the Site and will be effective immediately upon posting. You will be deemed to have been made aware of and have accepted the changes by your continued use of the Site or Services.

3. INFORMATION WE COLLECT

a. Personal Information

When you view content on our website, we automatically collect personal information about your computer hardware and software. This information can include your IP address, browser type, domain names, internet service provider (ISP), the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, clickstream data, access times and referring website addresses. We use this information to provide general statistics regarding use of the Site. For these purposes, we do link this automatically-collected data to other Personal Information such as name, email address, address, and phone number.

We collect information that personally identifies, relates to, describes, or is capable of being associated with you (“Personal Information”), including:

This information can be provided to us by you through our websites or webforms and/or information we collect automatically when you use our websites and webforms.

Inferences drawn from the above categories of Personal Information that relate to your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

The types of Personal Information we collect about you may vary based on how you use the Site and/or Services and your role in the insurance marketplace (e.g., consumer, agent, insurer).

From time to time, and in order to provide you with the best service possible, we may use your information for automated decision making.

b. Consumer Report Notice

In some cases, licensed insurance agents, agencies, and carriers with whom InsuraCore Solutions may connect you may need to obtain additional background information about you. For example, consumer reports may be ordered in connection with your life insurance application. These reports may include information such as Medical Information Bureau (MIB) files, prescription drug history, motor vehicle records, or other reports that assist in determining your eligibility for insurance and the price you may be charged.

Consumer reports may also be used for updates, renewals, or extensions of insurance. Licensed agents, carriers, and Insurance Services may use third-party service providers in connection with the development of your insurance underwriting and rate quote.

By providing information to us for use in obtaining an insurance quote, you give your express consent for InsuraCore Solutions, our licensed agents, carrier partners, Insurance Services, and associated third-party service providers with whom we share your Personal Information to obtain and use a consumer report as described in this paragraph.

c. Usage Data

We automatically collect information in connection with the actions you take on the Site and through the Services (“Usage Data”). For example, each time you use the Site, we may use log files, analytics tools, or tracking technologies to automatically collect your IP address, the type of web browser you use, the type of device you use, your device’s operating system, your Internet Service Provider, the pages you view, referring and exit pages, the date and time of your visit, and the number of clicks to, from, and within the Site. We use this information to improve the performance and functionality of our Site and Services, to better understand how individuals interact with them, and to measure the effectiveness of our advertising and marketing campaigns. If this information is capable of being associated with you, directly or indirectly, we treat it as Personal Information. If this information is not capable of being individually associated with you, we treat it as Usage Data.

d. Call Recording

We and/or our Service Providers (as defined below), may record all calls and retain the content of all text messages or other written/electronic communications between you and us and/or our Service Provider, regardless of whether we initiate the communication or you contact us. By communicating with us, you consent to such recording and retention of communications for purposes including quality assurance, compliance, and training.

e. Session Recording

We and/or our Service Providers (as defined below), may monitor and/or record and retain the content of all activity, clicks, page interactions, and keystrokes on our owned and affiliated websites and/or webforms for informational, quality control, compliance, and security purposes. By continuing to utilize our website and its content, you consent to such recording and retention.

4. HOW WE COLLECT INFORMATION

a. Voluntary Disclosure

We may ask you to provide us with Personal Information when you register with the Site or Services, submit an inquiry form, complete a survey, communicate with us (online or offline), sign up for a newsletter, or engage with us in other ways. You are not required to provide us your Personal Information; however, if you choose not to provide the requested information, certain features of the Site or Services may not be available to you, and we may be unable to fulfill your requested interaction.

b. Third-Party Data Sources

We may collect Personal Information from third-party sources such as licensed insurance agents, carriers, Insurance Services, consumer reporting agencies, and data providers. This information may be combined with Personal Information we have already collected directly from you to help us better provide quotes, connect you with licensed professionals, and improve the Services.

In some cases, we may also share your inquiry with other licensed insurance agents or agencies within our network to help ensure you receive information, quotes, or products that best match your request. Such sharing is limited to licensed professionals and is only for the purpose of providing insurance-related services. We do not sell your Personal Information to unaffiliated third parties for unrelated marketing purposes.

c. Cookies

We use cookies (a small text file placed on your computer to identify your computer and browser) to improve the experience of the Site and Services, such as saving your preferences from visit to visit to present you with a customized version of the Site. Many web browsers are initially set up to accept cookies. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, certain features of the Site or Services may not work if you delete or disable cookies.

We use the following types of cookies:

Depending on the circumstances, we may use cookies to collect Personal Information, Usage Data, or both.

Some cookies may be placed by third parties such as Google, Facebook, Twitter, or LinkedIn. Personal Information collected by third-party cookies is governed by each third-party’s privacy policy.

Your acceptance of cookies is not required for visiting our website.

Most internet browsers accept cookies automatically. If you do not wish this to be so, you may set up your browser so that it will inform you about the setting of cookies so that you may permit this only in individual cases; or that you refuse to accept cookies for certain cases or on a general basis; or that you activate the automatic deletion of the cookies when you close the browser. In addition, you may at any time delete cookies that have already been set by using an internet browser or other software programs.

Many devices and browsers give you the option to manage and/or disable cookies and other online tracking technologies. To opt-out of the use of these technologies, you can change your browser options to stop accepting cookies or to prompt you before accepting cookies. To assist you, we compiled directions for some commonly used browsers and devices in the table below. Keep in mind that not all devices and browsers are the same so the methods described below may not work for your browser, browser version, or device and may change at any time. We encourage you to refer to the relevant instructions for your particular device or browser.

Before you dive in, please note, if you opt out of the collection and use of information via cookies and other tracking technologies, you may still see customized advertising displayed by advertising networks from which you have not opted out. In addition, your opt-out will not prevent any advertising network from displaying advertising that is not customized to you and your interests and, consequently, may be less relevant to you. You will need to make such choices on each browser and device you may use to visit our websites and webforms.

1.    At the top right, click “⋮” icon, and then Settings.

2.    At the bottom, click Advanced.

3.    Under “Privacy and security”, click Site settings and then Cookies.

4.    Turn Allow sites to save and read cookie data on or off.

1.    On Mac:

§  Safari > Preferences, click “Privacy”

2.    On iOS:

§  Settings > Safari, then turn on “Block All Cookies”

1.    Click the menu button “☰” and select “Preferences”.

2.    Select the “Privacy & Security” panel and go to the “Cookies and Site Data” section

1.    More button “⋯” > Settings.

2.    Select “View Advanced Settings”.

3.    Under “Privacy and security”, click Site settings and then Cookies.

4.    Under “Privacy and Services” > “Cookies”

Other Options for Disabling Online Tracking. Blocking cookies in your browser may not prevent cross-site tracking of your online activity using other online tracking technologies. In addition to managing your cookie settings for your browser, you can opt-out of tracking directly with the businesses that operate the tracking technologies. To opt-out of certain analytic tracking by our service providers visit the links below:

Helpful Links:


Do Not Track. Some web browsers may transmit “do not track” signals (go here to learn more). Web browsers may incorporate or activate these features differently, making it unclear if users have consciously activated them. As a result, we do not take steps to respond to such signals.

d. Online Behavioral Advertising

We may work with third-party advertisers, search providers, and ad networks (“Advertisers”) to better understand your interests and to display ads or other content that we believe may be relevant to you. Advertisers may collect and use information about your use of the Site or Services, as well as your interactions with other websites and services.

These Advertisers may use cookies, pixels, and other online tracking technologies to collect and use your information for targeted advertising purposes. We and/or our Advertisers may also append additional data to the information collected to create an interest profile. While we strive to retain and analyze this data in a way that anonymizes it, it is possible that some Personal Information may be collected or used as part of these activities.

Our Privacy Policy does not govern the use of information collected directly by third-party Advertisers. Advertisements may be displayed on our Site, our Services, or on third-party websites. To learn more about interest-based advertising and how to opt out, you can visit the Network Advertising Initiative at www.networkadvertising.org or the Digital Advertising Alliance at www.digitaladvertisingalliance.org.

e. Information from Advertisements and Insurance Services

If you arrive at the Site via an online advertisement (e.g., a banner ad, search ad, or social media ad such as Facebook, Instagram, TikTok, or Google) or through an Insurance Service, we may collect information about the advertisement or Insurance Service with which you interacted and your interactions with it (e.g., the item clicked, the page viewed, and the date and time of your interaction).

This information may be used to measure the effectiveness of our advertising campaigns, to better understand user behavior, and to help connect you with licensed insurance agents, carriers, or Insurance Services that may be able to provide the products you requested.

f. Tracking Pixels and Clear GIFs

We employ software technology, including Facebook Pixel, TikTok Pixel, Google Ads tracking, and similar tools, that enables us to track certain aspects of a user’s visit to the Site. This technology helps us better manage content on the Site by informing us what content is effective, how consumers engage with the Site, and how consumers arrive at and/or depart from the Site.

The software typically uses two methods to track user activity:

1.    Tracking pixels – small pieces of code embedded in a web page that record usage activity, including which pages are viewed, when they are viewed, and how long the pages are viewed.

2.    Clear GIFs (also called web beacons) – tiny graphics with unique identifiers embedded in web pages and email messages that track whether or not a user has viewed a particular web page or email message.

User activity information collected through these technologies may be associated with additional information about a user’s session, such as IP address, browser type, and device information, and may be linked to Personal Information if you have provided it.

If you arrive at the Site by “clicking through” from another website, certain information about you that you provided to that other website (such as search terms or advertisement interactions that led you to the Site) may be transmitted to us and used in accordance with this Privacy Policy. Such information may be associated with other Usage Data or Personal Information we collect.

g. Google Analytics Advertising Features

We utilize Google Analytics tools, including advertising features, to improve the Site experience for our users and to better understand the characteristics and browsing habits of our users. Google Analytics may collect data such as age, gender, interests, and device/browser information. This data is aggregated and anonymized when possible, but may also be associated with Personal Information if provided.

Google may combine this information with data from other websites and applications you use. You can opt out of Google Analytics tracking by visiting https://tools.google.com/dlpage/gaoptout.

h. Social Media Widgets

The Site may include social media features, such as the Facebook, Instagram, TikTok, and YouTube widgets. These features may collect information about your IP address, the pages you visit on our Site, and may set a cookie to enable the feature to function properly.

Your interactions with these social media features are governed by the privacy policies of the companies that provide them. We encourage you to review the privacy policies of these third-party platforms before engaging with their widgets on our Site.

5. HOW WE USE AND SHARE INFORMATION

a. Generally

We use Personal Information for internal business purposes, including but not limited to:

b. Testimonials

If you provide a testimonial, we may post it publicly on the Site or in other advertising or promotional material. By providing a testimonial, you give us permission to use it in any manner and for any purpose, including in marketing and advertising communications, across digital, print, and social media channels, without compensation to you.

c. Service Providers

From time to time, we may establish a relationship with other businesses that we believe are trustworthy and that we believe have privacy practices consistent with ours. These may include corporate affiliates or licensed insurance agents, agencies, or marketing partners (“Service Providers”). We contract with Service Providers to provide certain services to us, including:

We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider is expected to use reasonable security measures appropriate to the nature of the information involved to protect your Personal Information from unauthorized access, use, or disclosure. Service Providers are prohibited from using Personal Information other than as specified by us. We share the following types of Personal Information with one or more Service Providers: personal identifiers; characteristics of protected classification; contact information; commercial information; financial account information; consumer reports; internet or other electronic network activity; professional or employment-related information; education information; health information; and inferences drawn from the above categories of Personal Information that relate to your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

d. Third-Party Sharing

We do not sell your Personal Information to unaffiliated third-party companies for unrelated marketing purposes. However, we may share your Personal Information with licensed insurance agents, agencies, and carriers for the purpose of providing you with insurance quotes, product information, or related insurance services that match your inquiry.

For example, we may share your Personal Information with licensed agents who are able to provide the type of insurance you are interested in obtaining, or with Insurance Services that may present additional insurance options. In the past twelve months, we may have shared the following types of Personal Information with licensed agents, agencies, or Insurance Services for these purposes: personal identifiers; characteristics of protected classification; contact information; commercial information; consumer reports; internet or other electronic network activity; professional or employment-related information; education information; health information; and inferences drawn from these categories of Personal Information that relate to your preferences, characteristics, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

The information we share with licensed agents, carriers, and Insurance Services is subject to agreements that require them to use reasonable safeguards to protect your data, comply with applicable state and federal regulations, and limit their use of your Personal Information to the purposes for which it was shared.

We do not share information obtained through our SMS short code program with any unaffiliated third parties for their marketing purposes.

e. Email Marketing

We may use your Personal Information to market life insurance, annuity, and related financial protection products and services that may be of interest to you, or to provide you with special offers and opportunities, via email. With respect to commercial email communications from InsuraCore Solutions or our licensed partners, you may opt out of these emails at any time by clicking the “unsubscribe” link included in the footer of all commercial email messages.

6. SECURITY

We recognize the importance of safeguarding the confidentiality of your Personal Information. Accordingly, we employ commercially reasonable administrative, technical, and physical safeguards to protect your Personal Information from unauthorized access, disclosure, and use. These measures are designed to comply with applicable federal and state privacy and data protection laws. Even with these safeguards, no data transmission over the Internet or other network can be guaranteed 100% secure. As a result, while we strive to protect information transmitted on or through our Site and Services we cannot, and do not, guarantee the security of any information you or we transmit on our Site or using our Services, or that you or we transmit over any other electronic network and you accept any associated risk.

7. BLOGS & FORUMS

Our Site and/or Services may include blogs or educational content. We do not currently provide public forums, message boards, or open comment features. If in the future such features are offered and you choose to participate, your comments (including any Personal Information you share) will be viewable by other users and the public. You use such features at your own risk. We are not responsible for the Personal Information you share using such features or for any consequences that result therefrom.

We reserve the right, but are under no obligation, to remove any comments or content that we believe, in our sole discretion, constitute defamation, libel, slander, obscenity, pornography, profanity, hate speech, discrimination, or that otherwise offend other users or our brand.

8. OTHER WEBSITES

Please be aware that third-party websites accessible through the Site or Services may have their own privacy and data collection policies and practices. We are not responsible for any actions, content, or privacy practices of such third parties. This includes third-party insurance carriers, agents, advertisers, or social media platforms you may access through our Site. You should check the applicable privacy policies of those third parties before providing any information through linked websites.

9. COMPLIANCE WITH LAWS AND LAW ENFORCEMENT

We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information, Usage Data, and any other information about you to government or law enforcement officials or private parties if, in our sole discretion, we believe it is necessary or appropriate to respond to legal requests (including court orders, investigative demands, and subpoenas), to protect the safety, property, or rights of ourself, licensed agents, users, or any other third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with applicable federal and state insurance laws and regulations.

10. OTHER TRANSFERS

We may share Personal Information and Usage Data with businesses controlling, controlled by, or under common control with us. If InsuraCore Solutions is merged, acquired, sold, or undergoes a corporate reorganization, we may disclose or transfer Personal Information and Usage Data in connection with such transaction. Any such transfer will remain subject to this Privacy Policy, or to a successor privacy policy that is materially consistent with it.

11. HOW LONG WE RETAIN YOUR DATA

We retain your Personal Information for as long as we have a relationship with you. We also retain your Personal Information for a reasonable period of time after our relationship with you has ended where there is an ongoing business or legal need to retain it. This includes retention to comply with our insurance carrier requirements, regulatory obligations, tax and accounting rules, and recordkeeping laws. Generally, we retain Personal Information until you ask us to delete it, or otherwise in accordance with applicable law and our internal data retention policies.

12. CHILDREN’S PRIVACY

The Site and Services are intended for adults age 18 and older. We do not knowingly collect Personal Information from anyone under the age of 18. If we become aware that we have inadvertently received Personal Information from a child under 18, we will delete such information from our records. By using the Site and Services, you represent that you are at least 18 years of age.

13. OPT OUT

You have the right to opt out of receiving marketing communications from us at any time by emailing us at support@InsuraCoreSolutions.com or by following the unsubscribe instructions included in our email or SMS messages. If you opt out of marketing, you may still receive transactional or service-related messages, such as responses to your inquiries, appointment reminders, or policy updates.

If you opt out of receiving marketing communications from our licensed agents, agencies, or carrier partners with whom we have shared your information, you may still receive communications directly from those partners where permitted by law. To stop receiving such communications, you must opt out directly with the partner.

If you do not wish us to track your location, you can turn off GPS location services or push notifications on your phone or personal computer through your local settings.

14. CONTACT US

If you have any questions about our Site, Services, or this Privacy Policy, please email us at support@InsuraCoreSolutions.com.

15. EUROPEAN VISITORS

Our Site and Services are intended for individuals located in the United States. However, if you are a visitor from the European Economic Area (EEA), the United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) may provide you with certain rights regarding your Personal Information.

We do not actively market or provide insurance services outside of the United States, but if we collect or process Personal Information from you while you are located in the EEA, UK, or Switzerland, we will handle your data in compliance with applicable GDPR principles, including limitations on the use of cookies and similar technologies.

If you believe your data has been processed in violation of GDPR, you may contact us at support@InsuraCoreSolutions.com to exercise your rights or request deletion of your information.

16. ADDITIONAL CALIFORNIA CONSUMER RIGHTS

The California Consumer Privacy Act (“CCPA”) gives California residents certain rights to access and delete their “Personal Information,” and to opt out of the sale of their Personal Information. The CCPA also requires businesses to disclose in their privacy policies information about how they collect, use, and share Personal Information. This section of the privacy policy contains the disclosures we are required to make and summarizes the rights that California residents have under the CCPA.

For purposes of this section, the term “Personal Information” means Personal Information under Cal. Civ. Code 1798.140(o) as amended from time to time. To the extent that any other provision of this Privacy Policy conflicts with a provision of this section, the provision in this section controls as to California residents.

a. Right to Know

You have the right to request that we provide you (i) the categories and/or specific pieces of Personal Information we collected about you; (ii) the categories of sources from which your Personal Information was collected; (iii) the business or commercial purpose for which we collected your Personal Information; and (iv) the categories of third parties with whom we shared your Personal Information. If we sold or disclosed your Personal Information to third parties, you also have the right to request that we provide you (i) the categories of Personal Information we collected about you; (ii) the categories of your Personal Information we sold to third parties; (iii) the categories of third parties to whom we sold your Personal Information; and (iv) the categories of your Personal Information we disclosed to third parties.

Please note that we are not permitted to provide access to specific pieces of Personal Information if the Personal Information is sensitive or creates a high risk of potential harm from disclosure to an unauthorized person such as financial account information, health information, social security numbers, or driver’s license numbers. If we withhold specific personal information because of its sensitivity or risk, we will inform you.

Categories of Information Collected, Disclosed or Sold in the Past 12 Months

The below table discloses the categories of Personal Information that we have collected in the past 12 months from the effective date of this Privacy Policy. For each category of Personal Information, the table identifies:

Whether we have sold to a third party, or disclosed for a business purpose, the category of Personal Information; and the categories of third parties to whom the information was disclosed or sold. The table does not include Personal Information provided to us by partners or other customers in a business-to-business context.

Category of Personal Information Collected Sold or Disclosed? Category of Third Parties
Identifiers, including your name, name, IP address, email address, phone, address Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers and licensed insurance agents/agencies with whom we partner
Customer records information, including signature, bank account number, address Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers and licensed insurance carriers
Characteristics of Protected Classifications Not Sold or Disclosed —
Commercial Information, including records of services that you have purchased in the past Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers
Internet or Other Network Activity Information, including information about how you interact with our website Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers
Geolocation Data Not Sold or Disclosed —
Professional or Employment-Related Information, including your job title and organizational affiliation Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers

b. Right to Deletion

You have the right to request that we delete any Personal Information we have collected about you. Please understand that we are not required to honor a deletion request if we need the information to complete a requested or reasonably anticipated transaction, prevent security incidents or fraud, enable internal uses that are reasonably aligned with your expectations, comply with legal obligations, or perform other functions permitted by law.

c. Exercising your Rights to Know and Deletion

You may exercise your Rights to Know and Deletion completing the form on our CCPA Request Page. Please be specific in your request and provide sufficient information to allow us to locate your Personal Information in our systems based on your request. We will retain a record of your request, including a deletion request, in accordance with law. Additional information about our timeframe for response and identity verification is available on our our CCPA Request Page.

Request information about our collection, use, and sharing of their information (a “Request to Know”), including:

the categories and specific pieces of Personal Information we have collected about them;

the categories of sources from which we have collected their Personal Information;

the business or commercial purpose for collecting or selling their Personal Information;

the categories of their Personal Information that we have sold; and

the categories of third parties with whom we have shared, disclosed for a business purpose, or sold their Personal Information, and which categories of Personal Information we have sold to which categories of third parties.

We will not discriminate against users for exercising these rights. We may charge users different prices or provide different levels or quality of goods or services, if the difference is reasonably related to the value of their data. We may also offer financial incentives for the collection, sale, or deletion of your Personal Information. In addition, some Personal Information is essential for us to provide the Services. For example, we cannot provide you with an insurance quote without first collecting some Personal Information about you. In such instances, your refusal to provide the necessary Personal Information will result in the inability to use our Service.

You may exercise your Rights to Know and Deletion by completing the form on our CCPA Request Page. Please be specific in your request and provide sufficient information to allow us to locate your Personal Information in our systems based on your request. We will retain a record of your request, including a deletion request, in accordance with law. Additional information about our timeframe for response and identity verification is available on our CCPA Request Page.

d. Right to Opt Out, Correct Inaccuracies

You have the right to direct us not to sell your Personal Information to third parties. You may exercise your Right to Opt Out by completing the form on our CCPA Request Page. Please provide sufficient information to allow us to locate your Personal Information in our systems.

Please contact us at support@InsuraCoreSolutions.com if you would like to request access to the PII that we have collected online from you, or to correct factual errors in such information.

e. Non-Discrimination Notice

We will not discriminate against you for exercising your rights under the CCPA or this Privacy Policy.

f. California “Do Not Track” Disclosure

Do Not Track is a web browser privacy preference that causes the web browser to broadcast a signal to websites requesting that a user’s activity not be tracked. At this time, our Site and Services do not respond to “do not track” signals.

g. California Site Ownership Disclosure

Under California Civil Code Section 1789.3, California residents are entitled to the following information: The provider of the Site is InsuraCore Solutions. To file a complaint regarding the Site or to receive further information about the Site, please contact us at support@InsuraCoreSolutions.com.

You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210.

h. Right to Non-Discrimination

Should you wish to exercise your rights as a resident of California, we will not discriminate against you by showing you different products or services based solely upon your request. Kindly note, however, if the advertisers require additional data or information from you before providing quotes, rates, or other information, exercising your California rights may limit the number and range of advertisers who are displayed in response to your request.

i. Do Not Sell My Personal Information

Some of our sharing activities may be a “sale” of personal information under California law. For example, when we share information we collected automatically from you with advertisers in order to create consumer profiles and present our advertisers’ products and services to you. Subject to certain exceptions, as a California resident, you may opt-out of the “sale” of your personal information at any time by taking the following actions:

j. Shine the Light

California residents may, no more than once per calendar year, request from us information about our disclosure of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at in our Privacy Center and select the “Shine the Light Request” option from the drop down menu. We will provide you within 30 days of receiving your request, a list of the categories of personal information (also known as personal data) disclosed to third parties for direct marketing purposes during the immediately preceding calendar year and the names and addresses of the third parties.

k. Minors

Visitors under 16 years of age are not permitted to use or submit their Personal Information on the Site. We do not knowingly solicit or collect information from visitors under 16. The California Consumer Privacy Act (CCPA) provides additional protections for minors under 16, and the Children’s Online Privacy Protection Act (COPPA) imposes special requirements for children under 13. If we learn that personally identifiable information of children under 13 has been collected without verifiable parental consent, we will promptly delete it. We encourage parents and guardians to monitor and participate in their children’s online activities. To request deletion of a minor’s information or for questions regarding our practices, please contact us at support@InsuraCoreSolutions.com.

17. Nevada Residents

Subject to certain exceptions, some of our data sharing practices may be considered a “sale” of your personal information under Nevada Revised Statutes 603A. Nevada residents may opt-out of the “sale” of personal information covered under the statute by exercising your cookie consent options as detailed in our Cookies and Other Technologies section, or by submitting your request through our Do Not Sell My Personal Information form, or by contacting us at support@InsuraCoreSolutions.com.

18. Retention of Your Personal Data

We will retain your Personal Information only for as long as necessary for the purposes set out in this Privacy Policy and to comply with our legal obligations, resolve disputes, enforce our agreements, and maintain appropriate business records. We may also retain Usage Data for internal analysis purposes, such as improving website functionality, enhancing security, and developing new services.