Privacy Policy

1. Overview

GetHomeIns.com ("we," "us," or "our") is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, request insurance quotes, or use our services.

2. Information We Collect

2.1 Personal Information You Provide

When you request a quote or contact us, we may collect:

• Contact Information: Name, phone number, email address, mailing address
• Property Information: Home address, property type, year built, square footage, construction materials
• Insurance History: Current coverage, claims history, previous insurers
• Financial Information: Credit information (where permitted by law), payment preferences
• Demographic Information: Age, occupation, marital status (as relevant to insurance underwriting)

2.2 Information Collected Automatically

When you visit our website, we automatically collect:

• Technical Information: IP address, browser type, device information, operating system
• Usage Information: Pages visited, time spent on site, click patterns, referral sources
• Location Information: General geographic location based on IP address

2.3 Information from Third Parties

We may receive information from:

• Insurance companies and underwriters
• Credit reporting agencies (where permitted)
• Public records and databases
• Marketing partners and lead generation services

3. How We Use Your Information

We use your information for the following purposes:

3.1 Primary Business Purposes

• Quote Generation: Providing accurate insurance quotes and recommendations
• Policy Services: Processing applications, managing policies, handling claims
• Customer Service: Responding to inquiries, providing support, resolving issues
• Communication: Contacting you about quotes, policies, and services

3.2 Business Operations

• Fraud prevention and security monitoring
• Compliance with legal and regulatory requirements
• Internal analytics and business improvement
• Quality assurance and training purposes

3.3 Marketing and Communications

• Sending relevant insurance offers and information
• Newsletter and educational content (with your consent)
• Market research and customer feedback

4. Information Sharing and Disclosure

4.1 Insurance Partners

We share your information with licensed insurance companies and agents to:

• Obtain quotes and coverage options
• Process applications and bind coverage
• Provide ongoing policy services

4.2 Service Providers

We may share information with trusted third-party service providers who assist us with:

• Technology services and website hosting
• Customer service and call center operations
• Marketing and advertising services
• Data analytics and business intelligence

4.3 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Enforce our terms of service

5. Data Security

We implement comprehensive security measures to protect your personal information:

5.1 Technical Safeguards

• Encryption: SSL/TLS encryption for data transmission
• Secure Storage: Encrypted databases and secure servers
• Access Controls: Limited access on a need-to-know basis
• Regular Updates: Security patches and system updates

5.2 Administrative Safeguards

• Employee training on privacy and security
• Background checks for personnel with data access
• Regular security audits and assessments
• Incident response and breach notification procedures

5.3 Physical Safeguards

• Secure facilities with controlled access
• Surveillance and monitoring systems
• Secure disposal of physical documents

6. Your Rights and Choices

You have the following rights regarding your personal information:

6.1 Access and Correction

• Request access to your personal information
• Correct inaccurate or incomplete information
• Update your contact preferences

6.2 Communication Preferences

• Opt out of marketing communications
• Choose communication methods (email, phone, mail)
• Unsubscribe from newsletters and promotional emails

6.3 Data Portability and Deletion

• Request a copy of your data in a portable format
• Request deletion of your personal information (subject to legal requirements)
• Restrict processing of your information in certain circumstances

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your website experience:

7.1 Types of Cookies

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used for targeted advertising
• Preference Cookies: Remember your settings and preferences

7.2 Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. State-Specific Privacy Rights

10.1 California Residents (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

10.2 Other State Rights

Residents of other states may have additional privacy rights under applicable state laws. Please contact us for information about your specific rights.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will:

• Post the updated policy on our website
• Update the "Last Modified" date
• Notify you of material changes via email or website notice
• Obtain consent for material changes where required by law

12. Contact Information