Privacy Policy

Introduction

Comma Insurance (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile application, or engage with our services.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account or create a profile
• Request a quote or purchase insurance products
• Contact us through our website, email, or phone
• Participate in surveys or promotional activities
• Use our mobile application

This information may include:

• Name, email address, phone number, and mailing address
• Date of birth, Social Security Number, and driver's license information
• Insurance history and claims information
• Financial information for payment processing
• Vehicle information (for auto insurance)
• Property information (for homeowners insurance)
• Health information (for life insurance)

Automatically Collected Information

We may automatically collect certain information about your device and usage patterns, including:

• IP address and device identifiers
• Browser type and version
• Operating system
• Pages visited and time spent on our website
• Referring website addresses
• Location data (with your permission)
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for various purposes, including:

• Providing, maintaining, and improving our insurance services
• Processing insurance applications and claims
• Communicating with you about your policies and our services
• Personalizing your experience and providing relevant content
• Processing payments and preventing fraud
• Complying with legal and regulatory requirements
• Marketing and promotional activities (with your consent)
• Analyzing usage patterns to improve our services

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• Insurance Carriers: To provide you with insurance quotes and services
• Service Providers: With trusted third parties who assist us in operating our business
• Legal Requirements: When required by law or to protect our rights and interests
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Consent: When you have given us explicit consent to share your information

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection practices
• Secure data centers and cloud infrastructure

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-out: Opt out of marketing communications
• Restriction: Request restriction of processing

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookie settings through your browser preferences, but disabling cookies may affect the functionality of our services.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last updated” date. We encourage you to review this Privacy Policy periodically for any changes.