This Privacy Policy applies to our websites and apps, including mobile apps. By using our site or app, you agree to the collection, use, and sharing of your information as described here. This policy applies to Ultimate Coverage auto, home, and life insurance services.

Information We Collect

We collect information from and about you in several ways:

1. Contact Information

• Name, address, phone number, email.
• If you invite friends, their email addresses may be collected.

2. Information You Provide

• Information you submit publicly or when contacting us.
• Demographic info: gender, age, date of birth, marital status, ZIP code.

3. Service-Specific Information

• Car insurance: vehicle details.
• Home insurance: property and homeowner info.
• Life insurance: occupation, physical activity, veteran status, tobacco use, DUI history, height, weight, medical history.
• Current insurance coverage.

4. Usage & Device Information

• Browser type, referring site, and navigation info.
• Device identifiers and location (via GPS/Wi-Fi).
• Mobile app usage data, including driving habits, accelerometer, gyroscope, and screen activity.

5. Third-Party Information

• Partners, social media, credit agencies, and other companies may provide info about you.
• We may combine information from multiple sources for accuracy and analysis.

How We Use Information

We use your information to:

• Respond to requests or questions.
• Provide insurance product information or offers.
• Improve products, services, and website experience.
• Protect our systems and ensure security.
• Send marketing communications (email, calls, SMS/MMS, push notifications).
• Calculate driving scores and risk scores for insurance offers.

Sharing Information

We may share your information with:

• Vendors and partners who perform services on our behalf.
• Insurance companies to provide quotes or confirm your information.
• Third parties for legal compliance or fraud investigations.
• Successors if our business or part of it is sold.

Publicly visible information in the app may include your username, profile picture, driving score, rank, and city. You may choose to share driving habits with friends voluntarily.

Your Choices

• Opt out of marketing emails and promotional messages.
• Request that we stop sharing your information for marketing purposes.
• Manage cookies, tracking, and device permissions.

California Privacy Rights

If you are a California resident, you have rights under CCPA and the “Shine the Light” Law to:

1. Request details about personal information collected, sold, or disclosed.
2. Request deletion of personal information.
3. Opt out of the sale of your personal information.
4. Be free from discrimination for exercising your rights.

We store information in the U.S. By using our services, you agree to transfer your information to the U.S., subject to U.S. law.

Updates to this Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or notices on our site/app. Please check our site regularly for updates regarding this Privacy Policy, please get in touch with us via email at info@quotesbucket.com