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MY POLICY COMPASS
PRIVACY POLICY & CONSUMER DISCLOSURE
Life Insurance Services
Website: https://mypolicycompass.com
Last Updated: February 24, 2026
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This Privacy Policy ("Policy") is provided by My Policy Compass ("Company,"
"we," "us," or "our"), a life insurance services provider. This Policy
describes how we collect, use, disclose, retain, and protect your personal
information when you visit our website at https://mypolicycompass.com, contact
us, submit a quote request, or otherwise interact with our services
(collectively, the "Services").
BY USING OUR SERVICES, SUBMITTING YOUR INFORMATION, OR CLICKING ANY OPT-IN
OR ACKNOWLEDGMENT BUTTON, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND
AGREE TO BE BOUND BY THIS POLICY IN ITS ENTIRETY, INCLUDING ALL DISCLOSURES
REGARDING DATA SHARING, TRANSFER, AND CONTACT CONSENT.
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SECTION 1 — INFORMATION WE COLLECT
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1.1 Personal Information
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We may collect the following categories of personal information directly from
you or automatically through your use of our Services:
• Identifiers: Full name, date of birth, mailing address, email address,
telephone number(s), Social Security Number (for underwriting purposes
only), driver's license number.
• Financial Information: Income range, assets, existing insurance coverage,
beneficiary designations.
• Health & Medical Information: General health status, tobacco use, medical
history, height/weight, and other information required for life insurance
underwriting.
• Protected Classification Information: Age, gender, marital status —
collected solely for insurance underwriting as permitted by law.
• Commercial Information: Records of products or services inquired about,
purchased, or considered.
• Internet / Network Activity: IP address, browser type, pages visited, time
spent on pages, referring URLs, device identifiers, cookies, and similar
tracking data.
• Geolocation Data: General geographic region derived from your IP address
or provided address.
• Communications: Records of correspondence, phone calls (which may be
recorded with notice), chat transcripts, emails, and SMS messages.
• Inferences: Profiles derived from the above information to determine
likelihood of eligibility or interest in particular insurance products.
1.2 Information We Collect Automatically
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When you visit our website, we automatically collect usage and technical data
through cookies, web beacons, pixel tags, and similar technologies. This data
includes device type, browser, operating system, pages viewed, click paths,
and session duration.
1.3 Information We Receive From Third Parties
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We may receive personal information about you from third-party sources,
including marketing partners, data brokers, lead generation platforms,
insurance carriers, credit reporting agencies (with your authorization), and
public records. We handle all such information in accordance with this Policy.
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SECTION 2 — HOW WE USE YOUR INFORMATION
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We use the information we collect for the following purposes:
• To provide, process, and fulfill your insurance quote requests and
applications.
• To match you with licensed insurance agents, brokers, agencies, or
carriers who may offer products suited to your needs.
• To communicate with you regarding your inquiry, application, or policy —
including via phone, email, SMS/text, and mail.
• To verify your identity and prevent fraud.
• To comply with federal and state insurance regulations, legal requirements,
and licensing obligations.
• To conduct analytics, improve our Services, and develop new products and
services.
• To send you marketing communications about insurance products and services,
subject to your preferences and applicable law.
• To respond to your questions, complaints, or customer service requests.
• To fulfill any other purpose for which you provide information or to which
you consent.
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SECTION 3 — DISCLOSURE AND SHARING OF YOUR INFORMATION
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3.1 Transfer to Licensed Insurance Professionals — IMPORTANT DISCLOSURE
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PLEASE READ THIS SECTION CAREFULLY. BY SUBMITTING YOUR INFORMATION TO US,
YOU EXPRESSLY ACKNOWLEDGE AND CONSENT TO THE FOLLOWING:
My Policy Compass operates as a life insurance marketing organization and lead
generation platform. When you submit a quote request, inquiry form, or any
personal information through our Services, YOUR INFORMATION MAY BE SHARED
WITH, SOLD TO, OR TRANSFERRED TO ONE OR MORE OF THE FOLLOWING:
• Licensed life insurance agents (independent and captive)
• Licensed life insurance brokers
• Life insurance agencies and marketing organizations (IMOs, FMOs, BGAs)
• Life insurance carriers and underwriters
• Third-party lead aggregators and marketing partners
• Affiliate companies under common ownership or control
Such transfers may occur even if you are not ultimately sold an insurance
policy. The purpose of such transfers is to connect you with professionals
who can provide you with insurance quotes, information, and services.
YOU AGREE THAT THE TRANSFER, SALE, OR SHARING OF YOUR PERSONAL DATA TO
INSURANCE PROFESSIONALS, AGENCIES, BROKERS, AGENTS, OR AFFILIATED ENTITIES
FOR THE PURPOSE OF PROVIDING OR FACILITATING INSURANCE SERVICES SHALL NOT
CONSTITUTE A VIOLATION OF YOUR PRIVACY RIGHTS AND SHALL NOT GIVE RISE TO
ANY CLAIM, CAUSE OF ACTION, LAWSUIT, OR LIABILITY AGAINST THE COMPANY OF
ANY KIND. You waive any right to bring a legal claim against the Company
solely based on the transfer of your data to licensed insurance professionals
in the normal course of business.
3.2 Other Disclosures
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In addition to the above, we may share your personal information with:
• Service Providers: Vendors and contractors who assist us in operating our
business (e.g., IT providers, CRM platforms, email delivery services,
cloud storage), bound by appropriate data processing agreements.
• Business Transfers: In connection with a merger, acquisition, sale of
assets, or similar corporate transaction, your information may be
transferred to the successor entity.
• Legal Compliance: When required by law, regulation, court order, or
lawful government request.
• Protection of Rights: To enforce our Terms of Service, protect the safety
of users, prevent fraud, or defend legal claims.
• With Your Consent: For any other purpose with your explicit consent.
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SECTION 4 — DO NOT CALL (DNC) REGISTRY — OPT-IN CONSENT & WAIVER
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THIS SECTION APPLIES TO CONSUMERS REGISTERED ON FEDERAL OR STATE DO NOT CALL
(DNC) REGISTRIES.
The Federal Trade Commission's (FTC) National Do Not Call Registry and various
state Do Not Call registries are designed to protect consumers from unwanted
telemarketing calls. However, consumers may voluntarily waive this protection
by providing express written consent to be contacted.
EXPRESS WRITTEN CONSENT TO CONTACT — DNC WAIVER:
By submitting your phone number, completing a quote request form, clicking a
submit or opt-in button on our website, checking an opt-in box, or otherwise
affirmatively providing your contact information to My Policy Compass, YOU
EXPRESSLY CONSENT TO AND AUTHORIZE MY POLICY COMPASS AND ITS AGENTS,
PARTNERS, AFFILIATES, INSURANCE BROKERS, AND ASSIGNED REPRESENTATIVES TO
CONTACT YOU, EVEN IF YOUR TELEPHONE NUMBER(S) APPEAR ON ANY FEDERAL, STATE,
OR LOCAL DO NOT CALL REGISTRY, INCLUDING BUT NOT LIMITED TO THE NATIONAL DO
NOT CALL REGISTRY MAINTAINED BY THE FTC.
This consent includes authorization to contact you by:
• Live telephone calls to your landline or mobile phone number(s)
• Prerecorded or artificial voice messages
• Automated telephone dialing systems (autodialer)
• SMS/text messages
• Email communications
• Direct mail
BY PROVIDING YOUR CONTACT INFORMATION AND CONSENTING AS DESCRIBED ABOVE,
YOU AGREE THAT:
• Your consent constitutes a valid "express written consent" as defined
under the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and
applicable FTC regulations, sufficient to permit contact notwithstanding
any DNC registration.
• This consent overrides any prior DNC registration you may have and serves
as your voluntary opt-in to receive telephone, SMS, and other
communications from us and our partners.
• You will NOT bring any lawsuit, claim, complaint, or cause of action
against the Company, its agents, affiliates, or partners under the TCPA,
state DNC laws, or any other applicable federal or state telemarketing
statute based on contacts made in reliance on your consent as described
herein.
• This consent is given in exchange for the free insurance quote,
information, and services offered by the Company, which you acknowledge
constitutes adequate consideration.
• You may revoke this consent at any time by notifying us in writing at the
contact information provided in this Policy; however, revocation does not
apply retroactively to contacts already made in reliance on your prior
consent.
Nothing in this section shall be construed to permit illegal, harassing, or
abusive contact. All communications will be made in compliance with applicable
law. This DNC waiver is effective only to the extent permitted under applicable
law.
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SECTION 5 — CALIFORNIA PRIVACY RIGHTS (CCPA / CPRA)
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5.1 Applicability
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This section applies to California residents and is provided pursuant to the
California Consumer Privacy Act of 2018, as amended by the California Privacy
Rights Act of 2020 (collectively, "CCPA/CPRA"), Cal. Civ. Code §§ 1798.100
et seq.
5.2 Categories of Personal Information Collected
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In the preceding 12 months, we have collected the following categories of
personal information as defined by the CCPA:
• Identifiers (name, address, email, phone, IP address)
• Personal information listed in Cal. Civ. Code § 1798.80(e)
• Characteristics of protected classifications (age, sex, marital status)
• Commercial information (insurance products inquired about or purchased)
• Internet or other electronic network activity information
• Geolocation data
• Sensory data (recorded calls, with notice)
• Professional or employment-related information (income, occupation)
• Health information (for underwriting)
• Inferences drawn from personal information
5.3 Sale or Sharing of Personal Information
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My Policy Compass may "sell" or "share" your personal information as those
terms are defined under the CCPA/CPRA, including sharing with insurance agents,
brokers, and marketing partners in exchange for valuable consideration or for
cross-context behavioral advertising purposes.
To opt out of the sale or sharing of your personal information, please email:
Subject line: "Do Not Sell or Share My Personal Information"
We will not discriminate against you for exercising your CCPA rights.
5.4 California Consumer Rights
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California residents have the following rights under the CCPA/CPRA:
• Right to Know: Request disclosure of categories and specific pieces of
personal information collected, sources, business purposes, and third
parties with whom we share it.
• Right to Delete: Request deletion of your personal information, subject
to certain exceptions (e.g., legal obligations, completing transactions).
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt Out: Opt out of the sale or sharing of your personal
information.
• Right to Limit Sensitive Data Use: Limit use of sensitive personal
information (including SSN, health data, and precise geolocation).
• Right to Non-Discrimination: We will not discriminate against you for
exercising these rights.
• Right to Data Portability: Receive a portable copy of your personal
information.
• Right to Appeal: Appeal our denial of a rights request.
To submit a rights request, contact us at [email protected]. We will
verify your identity before processing your request and will respond within
45 days (extendable by an additional 45 days with notice).
5.5 Authorized Agent
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California residents may designate an authorized agent to submit requests on
their behalf. The authorized agent must provide written authorization signed
by you, and we may require verification of your identity directly.
5.6 Shine the Light (Cal. Civ. Code § 1798.83)
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California residents may request information about our disclosure of personal
information to third parties for direct marketing purposes. To submit such a
request, contact us at [email protected].
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SECTION 6 — CALOPPA — CALIFORNIA ONLINE PRIVACY PROTECTION ACT
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Pursuant to the California Online Privacy Protection Act (CalOPPA), Cal. Bus.
& Prof. Code §§ 22575–22579, we make the following disclosures:
• We operate the website at https://mypolicycompass.com.
• This Privacy Policy identifies the categories of personally identifiable
information we collect and the categories of third parties with whom we
share such information.
• Users may review and request changes to their personally identifiable
information by contacting us at [email protected].
• We will notify users of material changes to this Privacy Policy by posting
the updated Policy on our website and, where feasible, by email.
• Our website recognizes Do Not Track (DNT) signals to the extent
technically feasible. Where we cannot honor a DNT signal, we disclose
this in our Cookies section.
• We do not knowingly allow third parties to track users' personal
information over time and across websites, except as otherwise disclosed
in this Policy.
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SECTION 7 — STATE-SPECIFIC PRIVACY RIGHTS (ALL 50 STATES)
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In addition to California, multiple states have enacted consumer privacy laws
that may grant you additional rights. To exercise any rights described in this
section, contact us at [email protected].
7.1 Colorado (Colorado Privacy Act — CPA)
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Colorado residents have the right to access, correct, delete, and obtain a
portable copy of their personal data. You may opt out of processing for
targeted advertising, sale of personal data, and profiling. To submit a
request or appeal, contact us at [email protected].
7.2 Connecticut (Connecticut Data Privacy Act — CTDPA)
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Connecticut residents may access, correct, delete, and obtain a copy of
personal data. You may opt out of sales, targeted advertising, and profiling.
Appeals of denied requests must be submitted within 60 days of our decision.
7.3 Virginia (Consumer Data Protection Act — CDPA)
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Virginia residents have rights to access, correct, delete, and obtain personal
data in a portable format. You may opt out of sale, targeted advertising, and
profiling decisions with legal or significant effects.
7.4 Texas (Texas Data Privacy and Security Act — TDPSA)
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Texas residents have rights to access, correct, delete, and obtain personal
data, and to opt out of sale, targeted advertising, and profiling. We will
respond to verifiable requests within 45 days.
7.5 Florida (Florida Digital Bill of Rights — FDBR)
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Florida residents may access, correct, delete, and obtain personal data, and
opt out of sale, targeted advertising, joint processing, and profiling.
7.6 Montana (Montana Consumer Data Privacy Act — MCDPA)
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Montana residents may access, correct, delete, and obtain personal data, and
opt out of the processing of personal data for targeted advertising, sale, or
profiling.
7.7 Oregon (Oregon Consumer Privacy Act — OCPA)
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Oregon residents have rights to access, correct, delete, and obtain personal
data. You may opt out of sale, targeted advertising, and profiling with
significant effects.
7.8 New Hampshire (New Hampshire Privacy Act — NHPA)
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New Hampshire residents may access, correct, delete, and obtain personal data,
and opt out of processing for sale, targeted advertising, or profiling.
7.9 Indiana (Indiana Consumer Data Protection Act — ICDPA)
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Indiana residents may access, correct, delete, and obtain personal data, and
opt out of targeted advertising and sales of personal data.
7.10 Iowa (Iowa Consumer Data Protection Act — ICDPA)
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Iowa residents may access and delete personal data. You may opt out of
processing for targeted advertising or sale.
7.11 Tennessee (Tennessee Information Protection Act — TIPA)
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Tennessee residents may access, correct, delete, and obtain personal data, and
opt out of sale and targeted advertising.
7.12 Delaware (Delaware Personal Data Privacy Act — DPDPA)
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Delaware residents have rights to access, correct, delete, and obtain personal
data. You may opt out of sale, targeted advertising, and profiling.
7.13 Nebraska (Nebraska Data Privacy Act — NDPA)
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Nebraska residents may access, correct, delete, and obtain personal data, and
opt out of sale and targeted advertising.
7.14 New Jersey (New Jersey Data Privacy Act — NJDPA)
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New Jersey residents may access, correct, delete, and obtain personal data,
and opt out of sale, targeted advertising, and profiling with significant
effects.
7.15 Kentucky (Kentucky Consumer Data Protection Act — KCDPA)
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Kentucky residents may access, correct, delete, and obtain personal data, and
opt out of targeted advertising and sale.
7.16 Maryland (Maryland Online Data Privacy Act — MODPA)
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Maryland residents have rights to access, correct, delete, and obtain personal
data. You may opt out of sale and targeted advertising.
7.17 Minnesota (Minnesota Consumer Data Privacy Act — MCDPA)
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Minnesota residents may access, correct, delete, and obtain personal data. You
may opt out of processing for targeted advertising, sale, and profiling.
7.18 Rhode Island (Rhode Island Data Transparency and Privacy Protection Act)
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Rhode Island residents have the right to access and delete personal data and
to opt out of the sale of personal data.
7.19 Nevada (Nevada Privacy of Information Collected on the Internet — SB 220)
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Nevada residents may opt out of the sale of covered information by submitting
a request to [email protected]. We will respond within 60 days.
7.20 All Other U.S. States
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For residents of all other states not specifically enumerated above —
including but not limited to Alabama, Alaska, Arizona, Arkansas, Georgia,
Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Massachusetts, Michigan,
Mississippi, Missouri, New Mexico, New York, North Carolina, North Dakota,
Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Utah, Vermont,
Washington, West Virginia, Wisconsin, and Wyoming — we provide the following:
We are committed to honoring all applicable state privacy laws and regulations
as they are enacted and become effective. If your state has enacted, or in the
future enacts, a consumer privacy law that grants you rights with respect to
your personal information, you may contact us at [email protected]
to exercise those rights. We will review your request and respond in
accordance with applicable law.
We note that certain states (e.g., New York, Illinois, Washington,
Massachusetts) have specific laws addressing data security, biometric data,
health data, or insurance-related data. We comply with all such applicable
requirements, including the Gramm-Leach-Bliley Act (GLBA) and applicable
state insurance privacy regulations.
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SECTION 8 — FEDERAL TELEMARKETING AND COMMUNICATIONS COMPLIANCE
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8.1 Telephone Consumer Protection Act (TCPA)
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We comply with the TCPA, 47 U.S.C. § 227, and FCC regulations. Where required
by law, we obtain prior express written consent before making autodialed or
prerecorded calls or sending SMS/text messages to your mobile device. Your
submission of our forms constitutes express written consent as described in
Section 4 of this Policy.
8.2 CAN-SPAM Act
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Our email communications comply with the CAN-SPAM Act. Each commercial email
we send includes a clear subject line, our physical mailing address, and an
unsubscribe mechanism. You may opt out of commercial emails at any time by
clicking the "unsubscribe" link in any email or by contacting us at
8.3 Gramm-Leach-Bliley Act (GLBA)
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To the extent we are subject to the GLBA, we provide appropriate notices and
opt-out rights regarding the sharing of nonpublic personal financial
information. We maintain reasonable administrative, technical, and physical
safeguards to protect your nonpublic personal information.
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SECTION 9 — COOKIES AND TRACKING TECHNOLOGIES
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Our website uses cookies, web beacons, pixel tags, and similar tracking
technologies to:
• Maintain session information and user preferences
• Analyze website traffic and usage patterns
• Support advertising and remarketing campaigns
• Improve website functionality
Types of cookies we use:
• Essential/necessary cookies (required for site function)
• Functionality cookies (remember preferences)
• Analytics cookies (track usage)
• Advertising/marketing cookies (support targeted advertising)
You may control cookies through your browser settings. Note that disabling
certain cookies may affect website functionality. Where required by applicable
law (e.g., CCPA/CPRA), we obtain your consent before placing non-essential
cookies.
Do Not Track: Our website may not respond to all DNT signals. We disclose this
in accordance with CalOPPA requirements.
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SECTION 10 — DATA RETENTION
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We retain your personal information for as long as necessary to fulfill the
purposes described in this Policy, comply with legal obligations, resolve
disputes, and enforce our agreements. Specific retention periods include:
• Account and contact information: Duration of relationship plus up to
24 months following last contact or account closure.
• Insurance application data: As required by applicable insurance
regulations (typically 5–7 years).
• Communications records: Up to 24 months for quality assurance and legal
compliance.
• Website usage data: Up to 24 months from collection.
• Legal and compliance records: As required by applicable law, which may be
up to 7 years or longer.
When retention periods expire, we securely delete or anonymize personal
information. Residual copies may remain in encrypted backups for a limited
period consistent with our backup schedule.
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SECTION 11 — DATA SECURITY
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We implement commercially reasonable administrative, technical, and physical
safeguards to protect your personal information from unauthorized access, use,
disclosure, alteration, or destruction. These measures include encryption,
access controls, secure servers, and regular security assessments.
HOWEVER, NO METHOD OF DATA TRANSMISSION OVER THE INTERNET OR METHOD OF
ELECTRONIC STORAGE IS 100% SECURE. WE CANNOT GUARANTEE ABSOLUTE SECURITY AND
HEREBY DISCLAIM LIABILITY FOR ANY UNAUTHORIZED ACCESS TO OR BREACH OF YOUR
PERSONAL INFORMATION TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
In the event of a data breach affecting your personal information, we will
notify you and applicable regulatory authorities as required by applicable
federal and state breach notification laws.
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SECTION 12 — CHILDREN'S PRIVACY
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Our Services are not directed to individuals under 18 years of age, and we do
not knowingly collect personal information from minors. If you are a parent or
guardian and believe your child has provided us with personal information,
please contact us immediately at [email protected] and we will take
steps to delete such information.
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SECTION 13 — THIRD-PARTY LINKS AND SERVICES
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Our website may contain links to third-party websites, insurance carrier
portals, or partner sites. We are not responsible for the privacy practices of
such third parties. We encourage you to review the privacy policies of any
third-party site you visit. The inclusion of a link on our website does not
imply our endorsement of the third party or its privacy practices.
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SECTION 14 — YOUR RIGHTS — SUMMARY
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Depending on your state of residence, you may have the following rights
regarding your personal information. Contact us at [email protected]
to exercise any applicable right:
• Right to Know / Access — Request information about personal data collected.
• Right to Delete — Request deletion of your personal data.
• Right to Correct / Rectify — Request correction of inaccurate data.
• Right to Data Portability — Receive a portable copy of your data.
• Right to Opt Out of Sale — Opt out of the sale of your personal data.
• Right to Opt Out of Targeted Advertising — Opt out of targeted ads.
• Right to Opt Out of Profiling — Opt out of automated profiling.
• Right to Limit Sensitive Data Use — Limit sensitive data processing.
• Right to Non-Discrimination — Not be penalized for exercising rights.
• Right to Appeal — Appeal our denial of a rights request.
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SECTION 15 — CHANGES TO THIS PRIVACY POLICY
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We reserve the right to modify this Privacy Policy at any time. We will notify
you of material changes by posting the updated Policy on our website and
updating the "Last Updated" date at the top. Where required by law, we will
provide additional notice (e.g., by email). Your continued use of our Services
after the effective date of any changes constitutes your acceptance of the
revised Policy.
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SECTION 16 — LIMITATION OF LIABILITY REGARDING DATA PRACTICES
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TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SHALL NOT BE
LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE
DAMAGES ARISING OUT OF OR RELATED TO THE COLLECTION, USE, DISCLOSURE, OR
TRANSFER OF YOUR PERSONAL INFORMATION IN ACCORDANCE WITH THIS POLICY,
INCLUDING TRANSFERS TO LICENSED INSURANCE PROFESSIONALS, AGENCIES, BROKERS,
AND PARTNERS.
BY USING OUR SERVICES AND PROVIDING YOUR INFORMATION, YOU AGREE THAT THE
COMPANY'S TOTAL LIABILITY FOR ANY CLAIM ARISING UNDER OR RELATED TO THIS
POLICY SHALL NOT EXCEED THE AMOUNT YOU PAID, IF ANY, FOR USING OUR SERVICES
IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
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SECTION 17 — CONTACT US
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If you have any questions, concerns, or requests regarding this Privacy Policy
or our data practices, please contact us:
Company: My Policy Compass
Website: https://mypolicycompass.com
Email: [email protected]
For California Residents (CCPA/CPRA Requests):
Email: [email protected]
Subject: "California Privacy Rights Request"
For Do Not Call Consent Revocation:
Email: [email protected]
Subject: "DNC Consent Revocation"
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© 2026 My Policy Compass. All Rights Reserved.
Website: https://mypolicycompass.com
DISCLAIMER: This Privacy Policy was prepared for informational purposes.
Nothing herein constitutes legal advice. Consult qualified legal counsel
for compliance review prior to publishing.