We do not sell or share your personal information. That has always been our practice, and it applies to every reader. This page explains what that means, how we honor Global Privacy Control and how to make a request to access, delete or correct your information.
Our commitment
Insurance Compared Daily:
- Does not sell your personal information to anyone, for money or anything else of value
- Does not share your personal information for cross-context behavioral advertising (ads targeted at you based on your activity across different websites)
- Never passes your details to insurers, agents, brokers or lead buyers
We collect very little information in the first place: what you send through our contact form (name, email, topic and message), what you give our newsletter form (email and preferred language), basic technical data our hosting provider Cloudflare processes for security and delivery, and two small settings stored in your browser. Our privacy policy explains this in full.
What “sell” and “share” mean
Privacy laws give these words special meanings:
- To sell personal information means giving it to another business for money or anything else of value.
- To share personal information means giving it to another business for cross-context behavioral advertising, even if no money changes hands.
We do neither. Giving information to service providers that work only on our behalf, such as our hosting provider or our email-list provider, is not a sale or share under these laws, because those providers may only use it to provide their services to us.
Information we collect
State privacy laws ask businesses to list the kinds of personal information they collect. Here is ours:
| Category | Examples | Where it comes from | Why we use it | Sold or shared? |
|---|---|---|---|---|
| Identifiers | Name, email address | Contact form, newsletter form, emails you send | To reply to you and send the newsletter | No |
| Internet activity | IP address, request logs | Your browser, processed by Cloudflare | To deliver pages and keep the site secure | No |
| Preferences | Preferred language, theme choice, cookie choice | Newsletter form and your browser | To send the right language and remember settings | No |
| Content of messages | What you write to us | Contact form and emails | To answer you and act on your request | No |
We do not collect sensitive personal information for purposes that would give you the right to limit its use.
Global Privacy Control (GPC)
Global Privacy Control is a signal some browsers and browser extensions send to tell websites you do not want your personal information sold or shared. We honor GPC. When we detect it, we treat it as a valid opt-out request for that browser. You do not need to contact us separately.
Your rights
Under the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA) and similar laws in other states, you may have the right to:
| Right | What it means |
|---|---|
| Know and access | Ask what personal information we hold about you and get a copy |
| Delete | Ask us to delete personal information we hold about you |
| Correct | Ask us to fix information that is wrong |
| Opt out of sale or sharing | Tell us not to sell or share your information (we already don’t) |
| Limit use of sensitive information | We do not collect sensitive personal information for these purposes |
| Non-discrimination | We will not treat you differently for using your rights |
| Appeal | Ask us to reconsider if we decline your request, where your state’s law provides this |
We honor these requests for all US readers, wherever they live.
How to make a request
Email with the subject line “Privacy request.” You can also use our contact form.
In your message, please tell us:
- Which right you want to use (for example: access, delete, correct or opt out)
- The email address you used with us, such as for the newsletter or a message you sent
- Any details that help us find your information
Please do not send Social Security numbers, policy numbers, driver’s license numbers or payment details. We do not need them.
How we verify your request
To protect your information, we need to confirm that a request really comes from you.
- Opt-out requests do not need verification.
- Access, deletion and correction requests need verification. We will usually ask you to confirm that you control the email address linked to the information, for example by replying from that address.
- We ask only for what we need to verify you, and we use it only for that purpose.
If we cannot verify your identity, we will tell you and explain why.
Authorized agents
You can ask someone else, called an authorized agent, to make a request for you. If an agent contacts us, we may:
- Ask for your signed permission for the agent to act for you
- Ask you to confirm your identity directly with us
- Accept a valid power of attorney as proof
We may decline a request from an agent who cannot show they are authorized.
How long it takes
We respond within 45 days of receiving your request, as laws such as the CCPA require. If we need more time, as the law allows, we will tell you why within the first 45 days. Making a request is free.
If we decline a request
Sometimes the law lets us keep certain information, such as records we need to show we handled your privacy request. If we cannot fully meet a request, we will explain why. Where your state’s law gives you a right to appeal, we will tell you how.
Readers outside California
California was the first state with a broad consumer privacy law, but many other states now have similar laws. Their rules and deadlines differ. To keep things simple and fair, we offer the same rights and the same 45-day response time to every reader in the United States, wherever they live.
Questions
Email with any questions about your personal information. See our privacy policy and cookie policy for more details.