1. Scope & Who We Are
This policy applies when you visit InsuranceGain.Ai, request or save insurance quotes, follow a referral to a carrier, use the earning launchpad, log premium payments, apply as a carrier, use the customer-care agent, or manage an account. InsuranceGain.Ai is the controller of the personal information described here. A carrier or earning partner has its own privacy policy for information collected on its website, and this policy does not cover their practices.
2. Information We Collect
Information you provide: name, email address, telephone number, ZIP code, account credentials, insurance preferences, coverage needs and descriptions, quote requests, carrier selections, referral and policy status, premium-payment amounts and dates, earning activity, carrier application details (company information, licensing, pricing), and messages you send to the customer-care agent.
Information collected automatically: browser and device type, approximate location derived from an IP address, pages visited, referral source, referral-link clicks, return visits, timestamps, diagnostics, and security events.
Information we do not collect: we do not ask you to enter full payment-card or bank-account numbers into the marketplace, and we do not request medical records, Social Security numbers, or government ID numbers. Please do not submit them through free-text fields or the customer-care chat.
3. Sources of Information
- Directly from you — account registration, quote requests, payment logs, carrier applications, and support conversations.
- From your device — usage and diagnostic data collected through cookies and similar technologies (see our Cookie Policy).
- From carriers and partners — referral outcomes and status updates that confirm whether a referral led to a policy.
- Derived by us — fit scores, aggregate metrics, and fraud signals generated from the information above.
4. How We Use Information
- Provide, rank, save, and explain available quote options, including fit scores.
- Send you to the carrier you select and track the referral outcome.
- Operate accounts, premium-payment records, earning credits, and carrier applications.
- Provide customer care, including AI-assisted responses and conversation history.
- Send service messages: referral status updates, review decisions, and security notices.
- Prevent fraud, secure the service, troubleshoot problems, and comply with law.
- Produce aggregate marketplace analytics and improve performance.
- Send optional marketing communications, where permitted and where you have not opted out.
5. AI-Assisted Features
When you use the quote-fit explainer or the customer-care agent, the information in your request and relevant quote or account details are processed by AI models to generate a response. Conversations are stored so you can return to them. AI responses may be incomplete or inaccurate and are not professional insurance advice. Do not submit sensitive information that was not requested; you may ask support to delete a conversation at any time.
6. How We Share Information
We may share information with:
- Service providers that host, secure, analyze, or support the marketplace, under contractual confidentiality obligations.
- The carrier you select, when you choose to continue to its site — the referral link identifies the marketplace and the referral, and the carrier may associate it with your application.
- Earning partners, when you activate an offer, limited to what the offer requires.
- Authorities or other parties when reasonably necessary to comply with law, protect rights, prevent harm, or complete a merger, acquisition, or sale of assets (with notice where required).
We do not sell personal information for cash, and we do not share it with third parties for their own cross-context advertising.
7. Carrier Referrals
A referral link includes a marketplace source and referral identifier so the carrier and InsuranceGain.Ai can attribute the referral and update its status. We record when a referral link is clicked and, if you return to our site while signed in, that you came back. Once you leave our site, the carrier determines what additional information it collects and how it uses that information.
8. Aggregate Reporting to Insurers
Insurers participating in the marketplace receive only aggregate impact figures — such as shoppers sent, site visits reached, policies completed, and return rates. These figures are computed on our servers and cannot be used to identify any individual shopper. We do not disclose individual shopper identities, contact details, or policy-level personal data to insurers through the portal.
9. Retention
We retain information for as long as reasonably necessary to provide the service, maintain business and compliance records, resolve disputes, and enforce agreements. Referral attribution and payment records may be retained after account closure where legally required or necessary for fraud prevention, and are deleted when no longer needed.
10. Security
We use administrative, technical, and organizational safeguards appropriate to the risk, including encrypted transport, row-level data isolation, least-privilege access, and server-side verification of roles and membership before data is returned. No system can guarantee absolute security; if we learn of a breach that affects you, we will notify you as required by law.
11. Your Rights & Choices
You may update account details and credentials from your account. You may also request access, correction, deletion, or a portable copy of your personal information through the customer-care channel in your account. We may need to verify your identity before fulfilling a request, and some records may be retained where legally required. See our Data Controls page for the full list of controls.
12. State Privacy Rights
Depending on where you live, you may have additional rights under state privacy laws — including the right to know what we collect, to opt out of certain sharing, to limit the use of sensitive personal information, to non-discrimination for exercising your rights, and to appeal a denied request. We do not sell personal information for cash and do not use sensitive personal information to infer characteristics about you. Submit requests through the customer-care channel in your account; we will respond within the time required by applicable law. An authorized agent may submit a request on your behalf with proof of authorization.
13. International Transfers
Data may be processed in the United States or other locations where our service providers operate. Where required, transfers rely on appropriate safeguards consistent with applicable data-protection law.
14. Children
The marketplace is not intended for anyone under 18, and we do not knowingly collect their personal information. If you believe a minor has provided us information, contact us and we will delete it.
15. Changes & Contact
We may revise this policy as the marketplace develops. The effective date above identifies the current version, and material changes will be highlighted before they take effect. Questions or privacy requests may be sent through the customer-care channel displayed in your account.