Privacy Policy | Insurance Guide Pro

1. Introduction

Welcome to Insurance Guide Pro ("we," "our," "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website 2026new.com (the "Site").

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

2. Information We Collect

We collect the following categories of information:

2.1 Information You Provide Voluntarily

• Contact Form Data: Name, email address, subject, and message content when you use our contact form.
• Newsletter Signup: Email address if you subscribe to our newsletter (via third-party provider).
• Calculator Inputs: Data you enter into our insurance calculators (processed client-side only — see Section 2.3).

2.2 Automatically Collected Information

• Log Data: IP address, browser type, operating system, referring URLs, pages visited, time spent, timestamps.
• Cookies & Tracking: See our Cookie Policy for details.
• Analytics: Aggregated usage data via Cloudflare Web Analytics (privacy-first, no cookies).

2.3 Calculator Data — Important

3. How We Use Your Information

• Operate the Site: Deliver content, maintain functionality, improve user experience.
• Communicate: Respond to your inquiries, send requested information (only with consent).
• Analytics: Understand usage patterns to improve content (via privacy-first analytics).
• Advertising: Display relevant ads via Google AdSense (see Section 5).
• Legal Compliance: Comply with laws, regulations, legal processes.
• Security: Detect and prevent fraud, abuse, security incidents.

4. Information Sharing & Disclosure

We do not sell your personal information. We may share information in the following circumstances:

• Service Providers: Third parties that perform services on our behalf (hosting, analytics, email delivery) under strict data processing agreements.
• Advertising Partners: Google AdSense may collect data via cookies for personalized ads (see Section 5). You can opt out via Ad Settings.
• Legal Requirements: When required by law, court order, or to protect our rights.
• Business Transfers: In connection with a merger, sale, or asset transfer (you will be notified).

5. Google AdSense & Advertising

We use Google AdSense to display advertisements. Google uses cookies to serve ads based on your prior visits to our site and other sites. This enables Google and its partners to serve ads based on your interests.

You may opt out of personalized advertising by visiting Google Ads Settings or Network Advertising Initiative Opt-Out.

For users in the EEA/UK, we use a Consent Management Platform (CMP) to obtain your consent before setting advertising cookies. You can manage your preferences at any time via the cookie banner or our Cookie Policy.

Google's privacy policy: https://policies.google.com/privacy

6. Your Rights (GDPR / CCPA)

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your personal data (subject to exceptions).
• Restriction: Request restriction of processing.
• Portability: Receive your data in a structured, commonly used format.
• Objection: Object to processing for direct marketing or legitimate interests.
• Withdraw Consent: Withdraw consent at any time (where processing is based on consent).
• Non-Discrimination (CCPA): Not to be discriminated against for exercising rights.

To exercise any of these rights, please email us at privacy@2026new.com. We will respond within 30 days (GDPR) or 45 days (CCPA).

7. Data Retention

• Contact Form Data: Retained for 12 months after last correspondence.
• Analytics Data: Aggregated data retained indefinitely; raw logs deleted after 30 days.
• Cookie Data: Per cookie expiration (see Cookie Policy).
• Legal Obligations: Data retained longer if required by law.

8. Data Security

We implement appropriate technical and organizational measures to protect your information:

• HTTPS/TLS encryption for all data in transit
• Content Security Policy (CSP) headers
• Regular security assessments and dependency scanning
• Access controls and principle of least privilege
• Hosted on Cloudflare with built-in DDoS protection and WAF

However, no internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security.

9. Third-Party Links

Our site contains links to third-party websites (insurance providers, comparison tools, government resources). We are not responsible for the privacy practices or content of these sites. This Privacy Policy applies only to information collected by our Site.

10. Children's Privacy

Our Site is not directed to children under 13 (or 16 in the EEA). We do not knowingly collect personal information from children. If you believe we have collected data from a child, please contact us immediately at privacy@2026new.com.

11. International Transfers

Our Site is hosted in the United States via Cloudflare. If you access from outside the US, your data will be transferred to and processed in the US. Cloudflare provides GDPR-compliant data processing terms and Standard Contractual Clauses for international transfers.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top will be revised. Material changes will be announced via a prominent notice on the Site. Continued use after changes constitutes acceptance.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, contact our Data Protection Officer:

This Privacy Policy was created for Insurance Guide Pro (2026new.com) and is based on GDPR, CCPA, and Google AdSense policy requirements.