Privacy Policy

1. Introduction

SmartHomeInsure operates the website smarthomeinsure.com ("Site"). This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our Site or submit information through our forms.

SmartHomeInsure is a referral and advertising service that connects consumers with licensed home insurance agents, brokers, and insurance providers. SmartHomeInsure is not an insurance company, broker, licensed agent, or government entity. We do not sell insurance policies, provide insurance quotes, underwrite coverage, or make coverage decisions.

By using our Site or submitting your information, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use our Site.

2. Information We Collect

Information You Provide

When you complete a form on our Site, we may collect the following information:

• Full name
• Phone number
• Email address
• ZIP code
• Property type (single family, condo, townhome, mobile home)
• Ownership status (whether you own the property)
• Primary residence status
• Insurance intent (new policy, comparison, bundling, renewal)
• Current insurance carrier (optional)
• Approximate home value range
• Year the property was built
• Claims history within the past three years
• TCPA consent acknowledgment

We do not knowingly collect Social Security numbers, financial account numbers, credit card numbers, or dates of birth.

Information Collected Automatically

When you visit our Site, we and our service providers may automatically collect:

• IP address and approximate geographic location
• Browser type, version, and language
• Device type and operating system
• Referring URL and pages visited
• Timestamps of visits and interactions
• Cookie and tracking pixel data

3. How We Use Your Information

We use the information we collect to:

• Connect you with licensed home insurance agents, brokers, and providers in our partner network
• Respond to your inquiries and requests
• Contact you by phone, text message, or email regarding home insurance options
• Improve our marketing, advertising, and Site functionality
• Comply with legal obligations, including TCPA consent recordkeeping
• Prevent fraud and protect the security of our Site
• Analyze usage trends and measure the effectiveness of our services

4. How We Share Your Information

Specifically, we may share your information with the following categories of recipients:

Licensed Insurance Partners

We share the information you submit with licensed home insurance agents, brokers, agencies, and insurance providers in our network. These partners may contact you by phone, text message, or email to discuss home insurance options for your property. Each partner is independently responsible for its own use of your information.

Marketing Partners and Affiliates

We may share your information with marketing partners and affiliates who help us deliver and optimize our services. These partners are contractually obligated to use your information only for the purposes we specify.

Service Providers

We engage third-party service providers to perform functions on our behalf, including:

• Website hosting and data storage
• Analytics and performance tracking
• Call tracking and recording
• Customer relationship management (CRM)
• Email and SMS delivery
• Fraud detection and security

Compensation for Referrals

SmartHomeInsure may receive compensation from its partner agents, brokers, and providers for referrals. This compensation may influence which partners you are connected with.

Legal Disclosures

We may disclose your information when required by law, subpoena, court order, or other legal process, or to protect our rights, property, or safety, or the rights, property, or safety of others.

Business Transfers

If SmartHomeInsure is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Communications and Consent (TCPA)

By submitting your information through our Site or calling a phone number displayed on our Site, you expressly consent to being contacted by SmartHomeInsure and its licensed insurance agent partners at the phone number and email address you provide. This contact may include:

• Phone calls (including automated or prerecorded calls)
• Text messages (including automated SMS)
• Emails

You consent to this contact even if your telephone number is listed on a state or federal Do Not Call registry. Your consent is not a condition of purchasing any goods or services. Message and data rates may apply.

You may opt out of text messages at any time by replying STOP to any text message you receive. You may also contact us at info@SmartHomeInsure.com to request that we stop contacting you.

6. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activities on our Site. These technologies help us:

• Understand how visitors use our Site
• Measure the effectiveness of our advertising campaigns
• Deliver relevant advertisements to you
• Improve user experience

We use third-party analytics and advertising tools that may set their own cookies, including:

• Google Analytics (usage analytics)
• Google Ads (advertising and conversion tracking)
• Meta Pixel (advertising and audience measurement)

Most web browsers allow you to control cookies through their settings. You can set your browser to refuse cookies or to alert you when cookies are being sent. Note that disabling cookies may affect the functionality of our Site.

7. Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information. These rights may include:

• Right to Know — Request information about the personal information we have collected about you
• Right to Delete — Request deletion of your personal information, subject to certain exceptions
• Right to Correct — Request correction of inaccurate personal information
• Right to Opt Out of Sale or Sharing — Opt out of the sale or sharing of your personal information for cross-context behavioral advertising
• Right to Non-Discrimination — We will not discriminate against you for exercising your privacy rights

California Residents (CCPA/CPRA)

If you are a California resident, you have the rights described above under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). To exercise your rights, please contact us at info@SmartHomeInsure.com with the subject line "California Privacy Rights Request." We will verify your identity before processing your request.

California residents may also designate an authorized agent to make a request on their behalf.

Virginia, Colorado, Connecticut, and Utah Residents

If you are a resident of Virginia, Colorado, Connecticut, or Utah, you may have similar rights under applicable state privacy laws. To exercise these rights, please contact us at info@SmartHomeInsure.com.

Do Not Sell or Share My Personal Information

If you would like to opt out of the sale or sharing of your personal information, please email us at info@SmartHomeInsure.com with the subject line "Do Not Sell or Share My Personal Information." We will process your request within the timeframes required by applicable law.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including:

• Connecting you with licensed insurance partners
• Complying with legal obligations, including TCPA consent recordkeeping requirements
• Resolving disputes and enforcing our agreements
• Supporting our internal business operations

TCPA consent records are retained for the period required by federal regulations. When your information is no longer needed for these purposes, we will securely delete or anonymize it in accordance with our data retention policies.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These safeguards include encryption in transit, access controls, and regular security assessments.

However, no method of data transmission or storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security. You provide your information at your own risk.

10. Children's Privacy

Our Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information as promptly as possible.

If you believe we may have collected information from a child under 18, please contact us at info@SmartHomeInsure.com.

11. Third-Party Links

Our Site may contain links to third-party websites, including those of licensed insurance agents and providers we work with. This Privacy Policy does not apply to those third-party sites. We are not responsible for the privacy practices, content, or security of any third-party website. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our Site after any changes constitutes your acceptance of the revised Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

13. Contact Us

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

• Email: info@SmartHomeInsure.com
• Website: smarthomeinsure.com