Home Privacy Policy

Privacy Policy

At Careguard Inc.⁠, we are committed to maintaining your confidence and trust as it relates to the privacy, security, and integrity of your personal information. This Privacy Policy describes how we collect, use, disclose, and protect personal information obtained through our website, webforms, mobile applications, and offline business interactions (collectively, the "Services").

1. Who We Are

Careguard Inc. is a marketing and comparison platform. We are not an insurance company, agent, broker, or carrier. We do not sell, solicit, negotiate, issue, or bind insurance policies, and we do not provide insurance advice or recommendations. Our Services connect consumers with independent, third-party, licensed insurance experts, brokers, and carriers (“Providers”) who can offer, quote, and sell insurance products directly to you.

Any decision to request a quote, apply for coverage, or purchase a policy is made directly between the consumer and the Provider you choose to engage with. Providers are independent businesses responsible for their own products, pricing, licensing, and privacy practices, and are not owned or controlled by Careguard Inc. unless separately identified as a corporate affiliate.

2. Personal Information We Collect

We collect information that identifies, relates to, describes, or is reasonably capable of being associated with an individual (“Personal Information”). The categories of Personal Information we collect depend on how you interact with our platform and may include:

  1. Identifiers & Contact Information: Name, mailing address, physical address, email address, telephone number, zip code, date of birth, where a Provider requires this to generate a conditional quote.
  2. Commercial & Financial Information: Insurance coverage interests, household size and income, residence parameters (own vs. rent, home age, square footage), vehicle details (make, model, year, daily mileage), and insurance claim or driving history.
  3. Internet or Electronic Network Activity: Device information (IP address, device IDs, browser type, operating system), geolocation data, clickstream history, and usage patterns on our digital properties (e.g., mouse movements, keystrokes, and time spent per page).
  4. Audio and Visual Information: Transcripts and recordings of voice calls, emails, and text or chatbot communications with us or our service providers.
  5. Sensitive Personal Information:Precise geolocation, where collected. See Section 8 (“Sensitive Personal Information”) below for how this category is handled.
  6. Inferences: Drawn from any of the information above to identify insurance preferences, tendencies, and household needs. See Section 9 (“Automated Decision-Making and Profiling”) below.

3. How We Collect Information

We obtain personal information through three primary pathways:

  1. Directly From You: When you complete our webforms, request an insurance quote, contact customer support, participate in surveys, or communicate with our virtual assistants.
  2. Automatically Collected Data: Collected via cookies, tracking pixels, web beacons, clear GIFs, and embedded scripts when you interact with our digital channels or emails.
  3. From Third Parties: Received from commercial data providers, marketing agencies, consumer reporting bureaus (to obtain driving records or credit scores as permitted by law), and Providers who report back on the disposition of your quote inquiry.

4. How We Use Your Personal Information

We use your Personal Information for the following business and commercial purposes:

  1. To deliver the administrative, matching, and comparison shopping Services you request.
  2. To transmit your data to relevant, independent Providers so that they may generate and offer you insurance quotes. 
  3. To communicate with you regarding administrative updates, customer care inquiries, or promotional offers, consistent with the consent you have provided (see Section 10, “Your Privacy Choices,” and our separate consent disclosures for calls and text messages).
  4. To analyze platform traffic, improve user experience, optimize advertising campaigns, and develop new features or Services.
  5. To detect, investigate, and prevent fraudulent transactions, cyberattacks, identity theft, or other illegal activity. 
  6. To comply with statutory, regulatory, and legal processes, or respond to lawful requests from public authorities.

5. How We Share and Disclose Personal Information

To operate our comparison and referral Services, we may disclose your personal information to the following categories of recipients:

  1. Independent Providers (Insurance Agents, Brokers, and Carriers): Shared so that they may review your profile and generate the quotes or products you requested. Providers are independent and  solely responsible for any insurance products or advice they offer, and handle your data under their own respective privacy policies. Providers may retain your information whether or not you purchase a policy from them.
  2. Service Providers: Third-party vendors that provide business, analytics, security, cloud hosting, document management, or communications support on our behalf, under written data-protection obligations.
  3. Corporate Affiliates: Disclosed within our family of brands or subsidiaries to operate and improve our Services.
  4. Legal & Government Entities: Disclosed as necessary to comply with legal mandates, regulatory audits, subpoenas, or to protect the safety and rights of our users or Company.
  5. Business Successors: Transferred as an asset in connection with a merger, acquisition, debt financing, asset sale, bankruptcy, or similar transaction.

6. Third-Party Advertising, Analytics, and “Sale”/“Sharing” of Information

We work with third-party digital advertising networks, social media platforms, and analytics providers (such as Google Analytics) to deliver interest-based, cross-context behavioral advertising. Under certain state privacy laws (such as the California Consumer Privacy Act and similar laws in other states), disclosing identifiers such as cookies or device IDs for cross-context advertising, or sending your information to a Provider in exchange for compensation, may be defined as a “sale” or “sharing” of personal information, even though no cash changes hands.

We honor opt-out preference signals, including the Global Privacy Control (GPC), where legally required, as an opt-out of sale/sharing and targeted advertising. See Section 10 below for how to exercise this and other choices.

7. Sensitive Personal Information

Certain information we collect including driver’s license number, and precise geolocation is classified as “sensitive personal information” under some state privacy laws. We collect and use this information only as needed to facilitate the quote-matching Services you request (for example, providing it to a Provider who requires it to generate a quote). Where required by law, we will obtain your consent before using or disclosing sensitive personal information for purposes beyond what is reasonably necessary to provide the Services, and you may have the right to limit our use of this information. See Section 10 below.

8. Automated Decision-Making and Profiling

We use the information described in Section 2 (“Inferences”) to help identify which Providers and products may be relevant to your stated needs. This process helps route your inquiry to appropriate providers; it does not itself result in a decision to approve, deny, or price any insurance product; those decisions are made independently by the provider you choose to work with. Where state law provides a right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects, you may exercise that right as described in Section 10.

9. Data Security and Retention

Security Measures

We implement commercially reasonable physical, technical, and procedural safeguards including Transport Layer Security (TLS) encryption for web transmissions designed to reduce the risk of data loss, misuse, or unauthorized access. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Retention

We retain personal information only for as long as reasonably necessary to: (a) maintain your account or an active inquiry with us; (b) fulfill the purposes described in this Policy; (c) meet regulatory recordkeeping requirements applicable to licensed financial and insurance-adjacent entities (which commonly range from [3–7] years depending on the record type and state); or (d) resolve disputes and enforce our agreements. Where feasible, we de-identify or delete personal information once these purposes no longer apply.

10. Children's Privacy

Our Services are directed to adults and are not intended for, or knowingly marketed to, individuals under the age of eighteen (18). We do not knowingly collect, sell, or share personal information from anyone under 18. If we learn that we have inadvertently collected personal information from a minor, we will delete it promptly. A parent or guardian who believes we may have collected information from a minor may contact us using the information in Section 12.

11. Your Privacy Choices & State-Specific Rights

Depending on your state of residence  including California, Texas, Virginia, Colorado, Connecticut, Oregon, Minnesota, Indiana, Kentucky, Rhode Island, and others with comprehensive privacy laws  you may have some or all of the following rights regarding your personal information:

  1. Right to Know & Access: Request disclosure of the categories and specific pieces of personal information we have collected, used, or shared about you.
  2. Right to Delete: Request that we delete personal information we have collected from you, subject to legal exceptions (e.g., an active transaction or a regulatory retention obligation).
  3. Right to Correct: Request that we correct inaccurate personal information in your profile.
  4. Right to Data Portability: Request a copy of your personal information in a portable format, where required by law.
  5. Right to Opt Out: Direct us not to (a) sell or share your personal information for cross-context targeted advertising, (b) use your sensitive personal information beyond what is necessary to provide the Services, or (c) subject you to certain profiling, as described above.
  6. Right to Appeal: If we decline to act on your request, you may appeal that decision using the contact information in Section 12; we will respond to appeals within the time required by applicable law.
  7. Non-Discrimination: We will not discriminate against you in pricing, service availability, or product selection for exercising any of these rights.

How to Exercise Your Choices

  1. Marketing Communications: Unsubscribe from promotional emails using the link in the footer of any email, or reply “STOP” to opt out of text message programs.
  2. Digital Tracking & Cookies: Adjust preferences via the “Your Privacy Choices” / “Cookie Preferences” link in our website footer, through your browser’s cookie controls, or by enabling a recognized opt-out preference signal (such as Global Privacy Control) in your browser.
  3. Submit a Privacy Request: To exercise a Right to Know, Delete, Correct, Port, Limit, or Opt-Out request, or to submit an appeal, contact our Data Protection Office at the information in Section 12. We will verify your identity before processing your request, using information you have already provided to us or documentation reasonably necessary to confirm your identity, consistent with applicable law. You may also designate an authorized agent to submit a request on your behalf.

12. Contact Us

Careguard Inc.
Email: Support@careguardgroup.com