At CareGaurd, 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").
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:
Identifiers & Contact Information: Name, mailing address, physical address, email address, telephone number, zip code, date of birth, and Social Security number or driver's license number (where required by Providers to generate conditional quotes).
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.
Internet or Electronic Network Activity: Device information (IP address, device IDs, browser type, operating system), geolocation data, clickstream history, and detailed usage patterns on our digital properties (e.g., mouse movements, keystrokes, and time spent per page).
Audio and Visual Information: Transcripts and recordings of voice calls, emails, and text or chatbot communications with us or our service providers.
Inferences: Drawn from any of the information above to identify consumer insurance preferences, tendencies, and household needs.
We obtain personal information through three primary pathways:
Directly From You: When you complete our webforms, request an insurance quote, contact customer support, participate in surveys, or communicate with our virtual assistants.
Automatically Collected Data: Collected via cookies, tracking pixels, web beacons, clear GIFs, and embedded scripts when you interact with our digital channels or emails.
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.
We leverage your Personal Information for legitimate business and commercial purposes, including to:
Deliver the administrative, matching, and comparison-shopping services you request.
Transmit your data to relevant network Providers to facilitate customized insurance quotes and policies.
Communicate with you regarding administrative updates, customer care inquiries, or special promotional offers tailored to your interests.
Analyze platform traffic, improve our user experience, optimize advertising campaigns, and develop new features or services.
Detect, investigate, and prevent fraudulent transactions, cyberattacks, identity theft, or other illegal activities.
Comply with statutory, regulatory, and legal processes, or respond to lawful demands from public authorities.
Depending on your state of residence (including California, Texas, Virginia, Colorado, Connecticut, Oregon, Minnesota, and others), you may be entitled to individual privacy rights regarding your data. These rights may include:
Right to Know & Access: The right to request a disclosure of the categories and specific pieces of Personal Information we have collected, used, or shared about you.
Right to Delete: The right to request that we delete personal data collected from you, subject to certain legal exceptions (e.g., ongoing transaction processing or regulatory compliance rules).
Right to Correct: The right to request that we update and fix factual inaccuracies in your profile.
Right to Opt-Out of Selling or Sharing: The right to direct us not to sell or share your personal data with third parties for cross-context targeted behavioral advertising or direct marketing purposes.
How to Exercise Your Choices:
Opt-Out of Marketing Communications: You can stop receiving promotional emails at any time by clicking the "Unsubscribe" link located in the footer of our emails. To halt text message programs, reply "STOP" to any mobile message you receive from us.
Opt-Out of Digital Tracking & Cookies: You can adjust your preferences via the "Your Privacy Choices" / "Cookie Preferences" management link in our website footer, or deploy browser-level cookie exclusions.
Submit a Privacy Request: To formally execute a Right to Know, Delete, Correct, or Opt-Out request, please contact our Data Protection Office at:
Email: [Privacy Email Address, e.g., privacy@yourcompany.com]
Toll-Free Phone: [Your Toll-Free Phone Number]
We will not discriminate against you in pricing, service availability, or product selection for exercising any of your lawful privacy protections.
To fulfill our brokerage-matching services, we may disclose your personal information to the following categories of recipients:
Network Providers & Insurance Companies: Shared to enable them to review your profile and generate the competitive quotes or products you requested. Please note: Matched Providers handle data under their own respective privacy policies, and they may retain your information whether or not you purchase a policy from them.
Service Providers: Third-party vendors that provide business, analytical, security, cloud hosting, document management, or communications support on our explicit behalf and under written data safeguards.
Corporate Affiliates: Disclosed within our family of brands or subsidiaries to optimize across service offerings.
Legal & Government Entities: Disclosed as necessary to comply with legal mandates, regulatory audits, subpoenas, or protect the safety and rights of our users or company.
Business Successors: Transferred as an asset in connection with any merger, corporate acquisition, debt financing, asset sale, bankruptcy, or restructuring event.
We may engage with third-party digital advertising networks, social media platforms, and data analytics firms (such as Google Analytics) to deliver interest-based, cross-context behavioral advertisements across the internet. Under certain state data laws (such as the California Consumer Privacy Act), sharing online identifiers for targeted tracking, profiling, or direct marketing may be defined as a "sale" or "sharing" of personal information.
Please see the "Your Privacy Choices" section below to learn how you can opt out of these configurations.
Security Measures: We implement commercially reasonable physical, technical, and procedural safeguards (including Transport Layer Security/TLS encryption technology for web transmissions) designed to minimize data loss, misuse, or unauthorized access. However, because no internet network can be guaranteed 100% secure, we cannot absolute-guarantee the complete safety of your data transmissions.
Retention Timelines: We retain your personal data for as long as necessary to maintain active customer relationships, fulfill the operational purposes outlined in this policy, complete regulatory reporting requirements, settle active disputes, or comply with statutory record-retention periods imposed on licensed financial entities.
Our Website and Services are designed strictly for adults and are not intended for individuals under the age of eighteen (18). We do not knowingly collect, sell, or share personal data from children. If we discover that any personal data from a minor has been inadvertently gathered, it will be deleted immediately
Depending on your state of residence (including California, Texas, Virginia, Colorado, Connecticut, Oregon, Minnesota, and others), you may be entitled to individual privacy rights regarding your data. These rights may include:
Right to Know & Access: The right to request a disclosure of the categories and specific pieces of Personal Information we have collected, used, or shared about you.
Right to Delete: The right to request that we delete personal data collected from you, subject to certain legal exceptions (e.g., ongoing transaction processing or regulatory compliance rules).
Right to Correct: The right to request that we update and fix factual inaccuracies in your profile.
Right to Opt-Out of Selling or Sharing: The right to direct us not to sell or share your personal data with third parties for cross-context targeted behavioral advertising or direct marketing purposes.
How to Exercise Your Choices:
Opt-Out of Marketing Communications: You can stop receiving promotional emails at any time by clicking the "Unsubscribe" link located in the footer of our emails. To halt text message programs, reply "STOP" to any mobile message you receive from us.
Opt-Out of Digital Tracking & Cookies: You can adjust your preferences via the "Your Privacy Choices" / "Cookie Preferences" management link in our website footer, or deploy browser-level cookie exclusions.
Submit a Privacy Request: To formally execute a Right to Know, Delete, Correct, or Opt-Out request, please contact our Data Protection Office at:
Email: [Privacy Email Address, e.g., privacy@yourcompany.com]
Toll-Free Phone: [Your Toll-Free Phone Number]
We will not discriminate against you in pricing, service availability, or product selection for exercising any of your lawful privacy protections.
