Privacy policy

Last modified: September 29, 2025

Total Insurance Guide LLC (“we,” “us,” or “our”) operates TotalInsuranceGuide.com (the “Site”). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you access or use the Site.

  1. Information We Collect
    1.1 Information You Provide

  • Account Information: When you register for newsletters, calculators, or contributor access, you may provide your name, email address, and other contact details.

  • User Submissions: Content you submit—comments, forum posts, or survey responses.

  • Contact Inquiries: Information you share when contacting support (name, email, message).

1.2 Automatically Collected Information

  • Usage Data: Pages visited, time spent, clickstream data, referring URLs, and Site interactions through cookies and similar technologies.

  • Device and Browser Data: IP address, device type, operating system, browser type, and language settings.

  • Analytics Data: Aggregated and anonymized data collected via Google Analytics to improve Site performance.

  1. How We Use Your Information

  • Provide and personalize Content, tools, and resources.

  • Send newsletters, updates, promotional materials, and respond to inquiries.

  • Analyze Site usage to improve functionality, navigation, and user experience.

  • Detect, prevent, and address technical or security issues.

  • Comply with legal obligations and enforce our Terms and Conditions.

  1. Cookies and Tracking Technologies
    We use cookies, web beacons, and similar technologies to collect usage data and preferences.

  • Essential Cookies: Required for Site functionality.

  • Performance Cookies: Collect anonymous analytics to help us improve the Site.

  • Functional Cookies: Remember preferences (language, region).
    You can manage or disable cookies through your browser settings; however, disabling essential cookies may affect Site performance.

  1. Information Sharing and Disclosure
    4.1 Service Providers
    We may share information with third-party service providers who perform services on our behalf (hosting, analytics, email delivery). They are contractually obligated to protect your information.
    4.2 Legal Requirements
    We may disclose information when required by law, court order, or to protect our rights, privacy, safety, or property, or that of our users.
    4.3 Business Transfers
    In the event of a merger, acquisition, or sale of assets, personal information may be transferred to the surviving entity. Notice will be provided before material changes in ownership or use of your personal information.

  2. Data Security
    We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. Despite measures, no internet transmission is 100% secure. We cannot guarantee absolute security.

  3. Children’s Privacy
    The Site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us for deletion.

  4. Third-Party Links
    Our Site may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review the privacy policies of those sites.

  5. Your Rights and Choices

  • Access and Correction: You may update, correct, or delete your account information by logging into your account or contacting support.

  • Opt-Out: You may unsubscribe from marketing emails by following the unsubscribe link or contacting us.

  • Cookie Controls: Manage cookies via browser settings.

  • Data Deletion: Submit a request to delete your personal data from our records; we will comply unless retention is required by law.

  1. International Data Transfers
    If you access the Site from outside the U.S., your data may be transferred to and processed in the U.S. and other countries. We will take steps to protect the privacy of your information consistent with this Policy.

  2. Changes to This Privacy Policy
    We may update this Policy periodically. We will post the updated Policy with a revised “Last Updated” date. Your continued use after changes indicates acceptance.

  3. Contact Us
    For questions or to exercise your privacy rights, contact:
    Privacy Officer
    Total Insurance Guide LLC
    contact@totalinsuranceguide.com