Privacy Policy.

1. Who we are

Simply Insurance LLC is a licensed independent insurance agency, and the Department of Insurance has approved the Simply Insurance name for it. In this policy, "Simply Insurance", "we", "us" and "our" mean Simply Insurance LLC.

This policy covers www.simplyinsurance.com in English and Spanish, and the quote forms, tools, assistant and chat that appear on its pages, including the parts we serve from our own other domains. We're licensed in the states listed on our licenses page.

When you go to a partner's site or fill in a form a partner runs, that partner's own privacy policy covers what it collects. Section 12 is our notice under insurance privacy laws, and section 13 adds the detail some state privacy laws ask for.

2. What we collect

When you visit any page

Our own analytics (we call it NunIQ) and Google Analytics record:

• the pages you view, the page you came from, and any campaign tags in the link that brought you here;
• a random visitor ID and a session ID that our scripts keep in your browser (see section 6);
• the links and buttons you click, with their text and where they lead, and the fact that you sent a form (not what you typed into it);
• if an ad or a partner's link brought you here, the click ID it added to the address, such as a Google, Microsoft, Meta, TikTok or Impact click ID;
• your browser, device type and screen size, and your IP address, which our servers also use to estimate your country and region.

When you ask for a quote

Each form asks only for what that kind of quote needs, so most forms ask for a few of these, not all of them:

• Contact details: your name, email address and phone number.
• Where you live: your ZIP code and state, and for property insurance, the property's address.
• Details insurers use to price a policy: your date of birth or age, and your sex.
• Health and lifestyle answers, on life, long-term care and disability forms only: an overall health rating, your height and weight, tobacco or nicotine use and when you quit, whether you've had certain serious conditions or take medicine for them, a recent DUI or license suspension, and risky hobbies.
• What you want covered: the coverage amount and term; property details such as the type, number of units, year built and who lives there; vehicle details such as the VIN or the make, model and year, and the mileage; your business's industry; aircraft, drone or pilot details; and your timeframe and budget.
• Your consent. When you tick a consent box, we save the exact words you agreed to, the date and time, your IP address, your browser and the page you were on.

When you use our assistant or chat

• Our eligibility assistant (on the homepage and on our pages whose address ends in "-ai") saves the answers you give it, such as your name, age, state and the coverage you want.
• The chat on some articles saves the conversation, plus any phone number or email you give it so someone can follow up.
• What you type there is processed by the AI providers listed in section 4 so they can write the replies.

A note on our assistant and chat. They give general information, and they can get things wrong. Nothing they say is licensed insurance advice. Our forms and assistant use your answers to work out which company can quote your request (for example, by your state and age), but the insurance company decides whether you qualify and what you'd pay. Please don't type more than your question needs, and never your Social Security number, bank details or full medical history.

When you email or call us

We keep your emails, and we may keep notes of calls, so we can help you and keep the records our insurance licenses require.

From our partners

When a partner tells us what happened to a request we sent (for example that you started or submitted an application, or that a policy was issued), we keep what they report. Usually that's our tracking ID and the status. Some partners also send the applicant's name, email, state and policy number, so we can match it to your request and confirm what they owe us. Affiliate networks report clicks and sales with our tracking IDs.

3. How we use it

• To send your request to the company that can quote it, and to show you quotes or estimates.
• To contact you about your request by phone, text or email, when you've agreed to that.
• To email you about a quote you started and didn't finish. Every one of those emails has an unsubscribe link.
• To run, secure and fix the site, and to stop spam and abuse.
• To see which pages and buttons help people get quotes, so we can improve them.
• To confirm what partners owe us, and to settle disagreements with them.
• To publish research about insurance shoppers, as totals and averages across many people. See Statistics we publish below.
• To enforce our Terms, and to protect you, us and our partners from fraud.
• To meet our legal, licensing and record-keeping duties.

We use your health and lifestyle answers only to get you quotes. We don't use them for advertising or anything else.

Statistics we publish

We sometimes publish totals and averages from quote requests, like the average coverage people ask for at each age, or how many rental properties a landlord asks to insure. A study covers at least 100 people, and we never show a number that comes from fewer than 10. A published number never includes your name, contact details, address or anything else that could point to you. We never use your health or lifestyle answers for statistics, and we never publish which company you were matched with. These totals can include quote requests sent before we added this section.

4. Who we share it with

The company you're asking for a quote

When you ask for a quote, we send your request to the licensed insurance company, agency or quote marketplace that can quote it. Which one depends on the product, your state and your age. Our partners page lists who we work with.

Some forms send your request from our servers to that company. Others take you to the company's own site and pass your answers along in the link, so you don't have to type them again. Those answers can include your coverage amount and term, your age or date of birth, your sex, your ZIP code or state, your health rating, height and weight, and tobacco use.

To show you prices while you fill in a form, we may send your answers, without your name or contact details, to the company that prices them before you finish. Each company handles your information under its own privacy policy.

Simply Insurance may receive compensation when readers click partner links and an eligible quote request, application or purchase is approved. A partner may pay us when we send it a request, when you start or submit an application, or when you buy.

Requests no partner can take yet

Sometimes no partner can take a request when you send it, for example because of your age, your state or the product. Then we may keep it and contact you ourselves. If you agreed to hear from the licensed insurance partners we match you with, we may also pass it to one that can help later. We only share it within what you agreed to.

Links to partner sites

When you click through to a partner's site, the link carries a random visitor ID and session ID, the page and the button you used, so the partner and its affiliate network (such as Impact, CJ, Rakuten or TUNE) can tell us that your visit sent you. These IDs don't contain your name or contact details.

Companies that work for us

• Cloudflare hosts and protects our sites and sends some of our email.
• Supabase runs our database.
• Google provides Google Analytics, and address suggestions when you type an address.
• Resend emails our team about quote requests we handle ourselves.
• Upstash limits how often a form can be sent, to stop abuse.
• Anthropic, OpenAI, Google and Cloudflare process what you type into our assistant or chat to write the replies. Pinecone runs the chat's article search and receives a numeric form of your question.
• GitHub and n8n run our automated tasks, such as follow-up emails and alerts to our team.

These companies process information for us under their own terms.

The law, our advisers and business changes

We may share information when the law requires it, to answer regulators such as state insurance departments, to protect our rights or someone's safety, or as part of a merger or sale of our business. Anyone who takes over the business must keep honoring this policy for information you've already given us.

We may also share it with our accountants, lawyers and other professional advisers when they need it to advise us. They must keep it confidential.

5. Do we sell your information?

We don't sell lists of visitors or customers, and we don't sell your information to data brokers or lead aggregators. We don't share it for targeted advertising, we don't use it to show you ads on other sites, and we don't run advertising or retargeting tags on this site.

When you ask for a quote, we send your request to the company that can quote it, and that company may pay us (section 4). That's the service you asked for, and the insurance privacy notice in section 12 covers it. If you'd like us to send your information only to the company you're asking right now, and never to any other partner, email team@simplyinsurance.com and we'll do that.

Because we don't sell your information or share it for ads, a Global Privacy Control (GPC) signal from your browser has nothing to switch off. If that ever changes, we'll treat a GPC signal as a request to opt out.

6. Cookies and browser storage

These are the cookies and browser storage our site uses:

In our Google Analytics account, Google signals and ads personalization are turned off, so we don't use Google Analytics for advertising. Cloudflare, which protects our sites, may also set short-lived security cookies. You can block or delete cookies in your browser settings, and you can turn off Google Analytics with Google's opt-out add-on or with a privacy add-on or ad blocker. The site still works without them. Our site doesn't respond to "Do Not Track" browser signals.

7. Your choices and rights

• Calls, texts and emails. We follow federal and state Do Not Call rules, including the National Do Not Call Registry. To stop a text, reply STOP to it. To stop calls or emails from us, email team@simplyinsurance.com or tell the person who calls. Each follow-up email has an unsubscribe link. To stop a partner contacting you, tell that partner. If you're not sure who has your request, ask us and we'll tell you.
• See, fix or delete your information. Email team@simplyinsurance.com from the address you used, or call 1-800-683-4854 and tell us the email or phone number you gave us, so we can confirm it's you. We may ask for one more detail from your request to be sure. We'll answer within 45 days. If we must keep something, such as a consent record or a record our insurance licenses require, we'll tell you what and why.
• Information a partner already has. We can't delete what a partner already holds, but we'll tell you which partners received your request so you can ask them.
• State privacy rights. Depending on where you live, state law may give you more rights: to know what we've collected and why, to get a copy, to correct it, to delete it, to opt out of its sale or sharing or of targeted advertising, and to appeal our answer. Email or call us to use any of them, or have an authorized agent do it for you. An agent needs your signed permission or a power of attorney, and we may still ask you to confirm who you are. We won't treat you differently for using them. If we turn down a request, reply to our answer to appeal, and we'll respond within 45 days.
• Canada. If you're in Canada, you can ask to see and correct your information the same way.

8. Children

This site is for adults. You must be 18 or older to ask for a quote (our Terms say so, and forms that ask your age check it), and we don't knowingly collect information from children. If you think a child has given us information, email us and we'll delete it.

9. How long we keep it

• Page views and clicks in our own analytics: 90 days.
• Click records we use to credit partner sales: 180 days.
• Article chat conversations: 60 days.
• Quote requests, assistant answers, consent records and partner reports: as long as we need them to handle your request, confirm what partners owe us, and meet legal and licensing record-keeping rules. After that we delete them or remove what identifies you.
• Google Analytics keeps the detail of your visits for 14 months after your last one. Its overall reports, which don't identify anyone, can be kept longer.
• Backup copies of our database can last a short while longer, until they're replaced.
• We may keep something longer when the law requires it, to settle a dispute, or to stop fraud.

10. How we protect it

Our sites use encrypted connections (HTTPS). Your quote requests are stored with a cloud database provider that encrypts stored data, and only our team and the systems that need them can reach them. No way of storing or sending information is completely secure, so we can't promise perfect security.

11. Where your information is processed

We're a US company, and we store and process information in the United States. The site serves visitors in the US, its territories and Canada.

12. Insurance privacy notice

We're a licensed insurance agency, so federal and state insurance privacy laws cover the information you give us to get insurance, such as what you type into a quote form or our assistant. This section is our notice under those laws. Insurers and agencies we connect you with give you their own notices when you apply.

What we share: what's in your request (section 2), such as your contact details, your date of birth or age, where you live, what you want covered and, on life, long-term care and disability forms, your health and lifestyle answers.

If you stop using our site or forms, we keep following this notice for what you've already given us.

If you live in California or Vermont

If your mailing address is in California or Vermont, we don't share your information with companies outside ours except as the table above describes: to handle your request, when the law requires or allows it, or with your consent.

13. More for residents of some states

California and some other states give you extra privacy rights (section 7 explains how to use them) and ask us to describe what we collect in their own terms. Much of what's in a quote request is covered by the insurance notice in section 12 instead of those laws, but we list everything here so you can see it in one place.

• We get this information from you, from your browser, and from partners and affiliate networks (section 2). We use it for the reasons in section 3, and keep it for the times in section 9.
• Your health and lifestyle answers are sensitive information under some state laws. We use them only to get you quotes, never to work out other things about you or for ads.
• We don't sell personal information or share it for targeted ads, and we don't knowingly sell or share information about anyone under 16.
• When we remove what identifies you from information, we keep it that way: we don't try to work out who it belonged to.

14. Changes to this policy

When we change this policy, we'll post the new version here and update the date at the top. If a change affects how we use information you've already given us, we'll ask for your consent where the law requires it.

15. Contact us