Privacy Policy

1. Introduction

Afforable™ ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our insurance comparison and lead generation services.

IMPORTANT: We are a lead generation service that connects consumers with licensed insurance carriers. We do not sell insurance directly. This policy covers our data practices, but each insurance carrier may have their own privacy policies that apply to their services.

2. Multi-Jurisdictional Compliance

Our services operate across multiple jurisdictions, and we comply with applicable privacy laws including:

• United States: State privacy laws, CCPA, GLBA, HIPAA (where applicable)
• Canada: Personal Information Protection and Electronic Documents Act (PIPEDA)
• Australia: Privacy Act 1988 and Notifiable Data Breaches scheme
• European Union: General Data Protection Regulation (GDPR) for EU visitors

3. Information We Collect

Personal Information

We collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, date of birth, gender, marital status
• Insurance-Related Information: Current coverage, coverage needs, health information (for health insurance quotes), vehicle information (for auto insurance), property information
• Financial Information: Income range, employment status, credit information (where legally permitted)
• Technical Information: IP address, browser type, device information, cookies and tracking data

Sensitive Information

We may collect sensitive personal information including health information for health insurance quotes. This information is collected only with your explicit consent and is subject to additional protections under applicable laws (such as HIPAA in the US).

Automatic Data Collection

We automatically collect:

• Website usage data through cookies and similar technologies
• Analytics data via Google Analytics and other tracking tools
• Advertising data via Meta Pixel and other advertising platforms
• Device and browser information

4. How We Use Your Information

We use your personal information for the following purposes:

Primary Purposes

• Matching you with appropriate insurance carriers and agents
• Facilitating insurance quotes and applications
• Providing customer support and responding to inquiries
• Improving our services and website functionality

Marketing and Communications

• Sending you insurance-related offers and information
• Email marketing campaigns (with opt-out options)
• SMS/text message communications (with consent)
• Targeted advertising on social media and other platforms

Legal and Compliance

• Complying with legal obligations and regulatory requirements
• Preventing fraud and ensuring security
• Enforcing our terms of service and policies

5. Information Sharing and Disclosure

Insurance Partners

We share your information with licensed insurance carriers, agents, and brokers for the purpose of providing you with insurance quotes and coverage options. These partners may contact you directly regarding insurance products and services.

Service Providers

We may share information with third-party service providers who assist us with:

• Website hosting and technical services
• Customer relationship management (CRM)
• Email and SMS marketing platforms
• Analytics and advertising services
• Payment processing (if applicable)

Legal Disclosures

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Enforce our terms of service

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to applicable privacy laws.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• SSL/TLS encryption for data transmission
• Secure data storage with encryption at rest
• Access controls and authentication measures
• Regular security assessments and updates
• Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Rights and Choices

General Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Objection: Object to certain processing of your information
• Restriction: Request restriction of processing

Communication Preferences

• Opt out of marketing emails by clicking unsubscribe links
• Opt out of SMS messages by replying "STOP"
• Use our contact form to opt out of phone calls
• Adjust cookie preferences in your browser settings

Jurisdiction-Specific Rights

California Residents (CCPA)

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

EU Residents (GDPR)

• Right to withdraw consent at any time
• Right to lodge a complaint with supervisory authorities
• Right to data portability
• Right to object to automated decision-making

Canadian Residents (PIPEDA)

• Right to access personal information held by organizations
• Right to challenge the accuracy of information
• Right to file complaints with the Privacy Commissioner

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Provide targeted advertising
• Improve website functionality and user experience

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. Factors affecting retention periods include:

• The nature of the information and why it was collected
• Legal and regulatory requirements
• Potential legal claims or disputes
• Your consent and preferences

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for international transfers, including:

• Standard contractual clauses approved by relevant authorities
• Adequacy decisions by regulatory bodies
• Certification schemes and codes of conduct

11. Children's Privacy

Our services are not intended for individuals under the age of 18 (or the applicable age of majority). We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

12. Data Breach Notification

In the event of a data breach that poses a risk to your rights and freedoms, we will:

• Notify relevant supervisory authorities within 72 hours (where required)
• Notify affected individuals without undue delay (where required)
• Take immediate steps to contain and remedy the breach
• Conduct a thorough investigation and implement preventive measures

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications (where appropriate)
• Providing prominent notice on our website

14. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

To submit privacy rights requests, data access requests, or privacy-related questions, please use our secure contact form. Select "Privacy Rights Request" for priority handling by our Privacy Officer.

Supervisory Authority Contacts

• EU: Your local Data Protection Authority
• Canada: Office of the Privacy Commissioner of Canada
• Australia: Office of the Australian Information Commissioner
• California: California Attorney General's Office