1. Introduction & Scope
PolicyGuide USA ("we", "our", or "us") operates the website located at https://policyguideusa.com. We are committed to protecting the privacy of our visitors and users. This Privacy Policy explains our practices regarding the collection, storage, and handling of information when you interact with our educational guides, statutory state comparisons, interactive insurance calculators, and rate matching tools.
By accessing or using our website, you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
We collect two types of information from visitors:
A. Information You Voluntarily Provide
- ZIP Codes & Location Inputs: When you use our state directories or rate estimators, you may enter a 5-digit US postal ZIP code to view localized statutory liability minimums and average regional rate benchmarks.
- Contact Inquiries: If you contact us via our support form or email, we collect your name, email address, and the contents of your message.
B. Automatically Collected Technical Data
- Log & Device Data: Our web servers and Cloudflare security edge automatically log standard technical data including your IP address, browser type, operating system, referring URL, pages viewed, and timestamps.
- Analytics Information: We utilize Google Analytics (gtag.js) to understand aggregated user behavior, bounce rates, and traffic sources across our 50-state guides. This data is anonymized and aggregated.
3. Cookies and Tracking Technologies
Cookies are small text files placed on your device to enhance site navigation and remember user preferences:
- Essential & Preference Cookies: We store a local preference cookie to remember your selected visual theme (Light Mode vs. Dark Mode).
- Analytics Cookies: Google Analytics sets cookies to calculate visitor, session, and campaign data for site analysis reports.
- Advertising & Affiliate Cookies: If you click outbound links to licensed insurance carriers, brokers, or comparison partners (such as Marketcall, Commission Junction, or MediaAlpha), those third-party networks may drop tracking cookies to record that the referral originated from PolicyGuide USA.
You can instruct your web browser to refuse all cookies or to indicate when a cookie is being sent via your browser settings.
4. How We Use Your Information
We use the data we collect solely for lawful, legitimate business purposes:
- To display accurate localized state insurance regulations and average rate benchmarks;
- To operate, maintain, and optimize the functionality of our calculators and pages;
- To prevent fraudulent clicks, automated bot scraping, and security attacks;
- To respond to consumer support requests and editorial inquiries;
- To comply with legal and statutory compliance obligations.
5. Third-Party Links & Partner Disclosures
PolicyGuide USA contains links to external websites, including official state insurance departments, the National Association of Insurance Commissioners (NAIC), AM Best, and third-party insurance providers or aggregators.
We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. When you leave PolicyGuide USA, we encourage you to read the privacy policy of every website you visit.
6. California Consumer Privacy Rights (CCPA & CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information:
- Right to Know: You have the right to request what personal data we have collected, used, or shared about you.
- Right to Delete: You have the right to request deletion of personal information collected from you.
- Right to Opt-Out of Sale / Sharing: PolicyGuide USA does not sell personal information in the conventional sense. However, to the extent that third-party advertising cookies constitute a "sale" or "sharing" under CCPA, you may opt-out by adjusting your browser cookie settings or contacting us.
- Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.
To exercise your rights, please submit a request to: privacy@policyguideusa.com.
7. Children's Online Privacy Protection (COPPA)
PolicyGuide USA is intended exclusively for adult consumers seeking Property & Casualty insurance information. We do not knowingly collect or solicit personal information from children under the age of 18. If we learn that we have collected personal data from a child under 18, we will promptly delete that information.
8. Data Security
The security of your data is paramount. All traffic to PolicyGuide USA is encrypted in transit using 256-Bit Transport Layer Security (TLS/SSL). We implement enterprise-grade security headers, including HTTP Strict Transport Security (HSTS), to protect against interception and unauthorized access.
9. Contacting Our Data Protection Team
If you have questions, concerns, or requests regarding this Privacy Policy, please contact our privacy coordinator:
Email: privacy@policyguideusa.com
Website: https://policyguideusa.com
Mailing Address: PolicyGuide USA Legal & Privacy Inquiries, 100 Main Street, Suite 400, Dover, DE 19901