🔒 Privacy Policy

1. 🏢 Who We Are

InsureCalc.online is a free educational resource that provides insurance and financial calculators to help consumers understand estimated costs and coverage needs. We are not an insurance company, insurance broker, or licensed financial advisor.

This Privacy Policy explains how InsureCalc.online ("we," "us," or "our") collects, uses, and protects information when you visit our website at https://insurecalc.online.

If you have questions about this policy, contact us at: hello@insurecalc.online

2. 📊 Information We Collect

We collect two categories of information, and only one applies to most visitors:

A. Automatically Collected Technical Data (all visitors)

• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring website (the site you came from)
• General geographic region (country/state level only — not your exact address)
• Device type (desktop, tablet, mobile)

This data is collected in aggregate through Google Analytics and is used solely to understand how visitors use our site so we can improve it. We cannot identify you personally from this data.

B. Voluntarily Submitted Data (contact form users only)

• Your name (if provided)
• Your email address
• The message you write in the contact form

This data is used only to respond to your inquiry and is not shared with any third party or used for marketing purposes.

What We Never Collect:

• Calculator inputs (income, age, coverage amounts, mortgage balances, etc.)
• Social Security numbers, driver's license numbers, or government ID numbers
• Credit card or bank account information
• Precise geolocation data
• Biometric or health records

3. 🍪 Cookies and Tracking Technologies

InsureCalc.online uses cookies — small text files stored on your device — for two purposes: site analytics and advertising. Here is a complete breakdown of the cookies used on this site:

You can disable cookies in your browser settings at any time. Note that disabling advertising cookies will not block ads — it will result in less personalized (generic) ads being shown.

4. 📢 Google AdSense & DoubleClick Cookie Disclosure

InsureCalc.online participates in the Google AdSense program (publisher ID: ca-pub-2739139231816112). This means Google and its partners may display advertisements on our pages.

How the DoubleClick Cookie Works:

Google uses the DoubleClick cookie (specifically the IDE cookie from doubleclick.net) to serve ads and report on ad performance. This cookie enables Google to:

• Show you ads based on your prior browsing activity across websites that use Google advertising services
• Track whether you clicked an ad shown on InsureCalc.online
• Limit how many times you see the same advertisement
• Measure conversion events (e.g., if you visited an advertiser's site after clicking their ad)

Third-Party Advertising Partners:

Google may share data with third-party advertising technology providers as part of the real-time bidding (RTB) ecosystem used to select which ad to display. These partners are bound by Google's publisher policies and data processing terms.

Your Control Over Advertising Cookies:

You have several options to limit personalized advertising:

For more information about how Google uses data, visit: Google's Partner Sites Policy

5. 🔍 Google Analytics

We use Google Analytics 4 (GA4) to understand how visitors interact with InsureCalc.online. This service collects anonymized data about page views, session duration, device type, and general geographic region.

Google Analytics data is processed by Google LLC (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA). Google Analytics does not receive any calculator input data from InsureCalc.

To opt out of Google Analytics tracking across all websites, you can install the Google Analytics Opt-out Browser Add-on.

6. 🔒 How We Protect Your Data

InsureCalc.online implements the following security measures:

• HTTPS encryption: All pages are served over SSL/TLS encrypted connections
• No server-side storage of calculator data: Calculator inputs never reach our servers
• Limited data collection: We collect only what is necessary to operate the site
• No password storage: We do not operate user accounts, so there are no passwords to protect

While we take reasonable steps to protect information submitted through our contact form, no method of internet transmission is 100% secure. We cannot guarantee absolute security.

7. 🇺🇸 California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information:

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Opt-Out of Sale: InsureCalc.online does not sell your personal information to third parties. We do not engage in the sale of personal data as defined by the CCPA.
• Right to Non-Discrimination: We will not discriminate against you for exercising any CCPA rights.

To exercise your CCPA rights, contact us at hello@insurecalc.online with the subject line "CCPA Request." We will respond within 45 days.

Note: Because InsureCalc does not store calculator inputs, the majority of users will have minimal or no personal data on file beyond standard web analytics data (which is anonymized and aggregated).

8. 🇪🇺 European Users (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) and equivalent laws apply to our processing of your personal data.

Legal Basis for Processing:

• Analytics: Legitimate interest in understanding site usage to improve the service
• Advertising: Consent (via cookie banner) for personalized advertising cookies
• Contact form: Contractual necessity / your consent when you submit a message

Your GDPR Rights: You have the right to access, rectify, erase, restrict processing of, and port your personal data. You also have the right to object to processing and to withdraw consent at any time. To exercise these rights, email hello@insurecalc.online.

You may also lodge a complaint with your local data protection authority.

9. 👶 Children's Privacy

InsureCalc.online is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has submitted personal information through our contact form, please contact us at hello@insurecalc.online and we will promptly delete it.

10. 🔗 Third-Party Links

Our site may contain links to external websites, including government resources, insurance industry organizations, and educational references. InsureCalc.online is not responsible for the privacy practices of any third-party websites. We encourage you to review the privacy policy of any site you visit.

11. 🔄 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this policy periodically. Your continued use of InsureCalc.online after any changes constitutes your acceptance of the updated policy.

12. 📬 Contact Us

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