1. Introduction and Scope
This Privacy Policy describes how [YOUR NAME OR LEGAL ENTITY NAME, e.g., «High Risk Auto Coverage LLC»] («We,» «Our,» «The Company») collects, uses, and protects information you provide while using the website HighRiskAutoCoverage.com (the «Site»). By accessing and using the Site, you agree to the practices described in this policy.
2. Information We Collect
We collect two types of information:
* Direct Personal Information (DPI): Data you voluntarily provide, such as your name and email address when you sign up for a newsletter or use a contact form.
* Usage and Technical Information (Automatic): Data collected automatically by our servers and third-party tools. This includes your IP address, browser type, operating system, pages visited, time spent, and referring URLs.
3. Google AdSense and Use of Cookies
We use Google AdSense to serve advertisements on our Site. Google AdSense requires the following disclosures:
* Cookies and Personalized Advertising: Google AdSense uses cookies, web beacons, and other tracking technologies to collect data about your visits to this and other websites. This information is used by Google and its partners to serve you personalized ads based on your interests and browsing patterns.
* Opt-Out Option: Users may opt out of personalized advertising by visiting Google’s Ads Settings.
* Third-Party Vendors: We may use other third-party vendors or ad networks to serve ads on our site. You can visit those websites to opt out of the use of cookies for personalized advertising (if the vendor or ad network offers this capability). Alternatively, you can direct users to opt out of some third-party vendors’ uses of cookies for personalized advertising by visiting: http://www.aboutads.info/
4. Use of Collected Information
We use the collected information to:
* Operate, maintain, and improve our Site’s functionality and content.
* Respond to your inquiries and provide requested information.
* Serve relevant advertisements and measure their effectiveness (via Google AdSense).
* Analyze usage trends to enhance user experience and ensure Site security.
5. Third-Party Links (Insurers)
Our Site contains links to third-party websites (such as insurance brokers or quote platforms). These links are not under our control. We are not responsible for the privacy practices or the content of these external sites. Once you leave our Site, you are subject to that third party’s privacy policy.
6. Your Privacy Rights (GDPR and CCPA)
If you are a resident of the European Union (GDPR) or California (CCPA), you have the right to request access, rectification, deletion (Right to Be Forgotten), or object to the processing of your personal data for direct marketing purposes. To exercise any of these rights, please contact us using the information below.
7. Changes to This Policy
We reserve the right to update or change this Privacy Policy at any time. Any changes will be effective immediately upon posting on the Site, with the updated Effective Date.