Privacy Policy

Unlocked Policy LLC ("Unlocked Policy," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our platform, or interact with our services. Please read this policy carefully. By using our services, you consent to the practices described in this Privacy Policy.

Our principal place of business is located at 27 E Sonoma Street, Merced, California 95341. If you have questions about this policy, please contact us at [email protected] or (916) 252-4938.

1. Information We Collect

We collect information you provide directly to us, information collected automatically when you use our services, and information from third-party sources.

Information You Provide Directly

• Contact Information: Name, email address, phone number, and mailing address
• Identity Information: Date of birth, gender, and state of residence (used for insurance quoting purposes)
• Health Information: Where relevant to insurance applications, general health information you voluntarily provide
• Financial Information: General income range or financial information relevant to insurance coverage needs (we do not collect payment card numbers)
• Account Credentials: Username and password if you create an account with us
• Communications: Messages, inquiries, and correspondence you send to us
• SMS Consent: Your mobile number and opt-in preferences when you consent to receive text messages

Information Collected Automatically

• Device Information: IP address, browser type and version, operating system, and device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, and referring URLs
• Location Data: General geographic location based on IP address
• Cookies and Tracking Data: Information collected through cookies, pixels, and similar technologies (see Section 6)

Information from Third Parties

• Information from insurance carriers or partners in connection with the services we provide
• Publicly available information used to verify your identity or contact details
• Lead data from licensed data providers, subject to applicable law

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and improve our services and platform
• To connect you with licensed insurance agents and facilitate insurance applications
• To respond to your inquiries, questions, and requests
• To send transactional communications such as appointment confirmations and service updates
• To send marketing communications where you have provided consent
• To send SMS messages where you have opted in (see Section 5)
• To personalize your experience and tailor content to your needs
• To detect, prevent, and investigate fraud, security breaches, and other prohibited activities
• To comply with our legal obligations and enforce our Terms of Service
• To conduct analytics and research to improve our products and services
• To measure the effectiveness of our advertising campaigns on platforms including Google and Meta

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

Licensed Insurance Agents and Carriers

With your consent, we may share your information with licensed insurance agents and carriers for the purpose of providing you with insurance quotes, completing an application, or servicing a policy. These parties are independently responsible for their own privacy practices.

Service Providers

We share information with third-party vendors and service providers who perform services on our behalf, including SMS delivery platforms, CRM systems, analytics providers, and hosting providers. These parties are contractually obligated to use your information only as directed by us and to protect it appropriately.

Legal and Compliance

We may disclose your information if required to do so by law, court order, or governmental authority, or if we believe in good faith that such disclosure is necessary to protect the rights, property, or safety of Unlocked Policy LLC, our users, or the public.

Business Transfers

If Unlocked Policy LLC is involved in a merger, acquisition, asset sale, or similar transaction, your information may be transferred as part of that transaction. We will provide notice before your personal information is transferred and becomes subject to a different privacy policy.

4. California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• Right to Know: You have the right to request that we disclose what personal information we collect, use, disclose, and sell about you
• Right to Delete: You have the right to request deletion of personal information we have collected from you, subject to certain exceptions
• Right to Correct: You have the right to request correction of inaccurate personal information we maintain about you
• Right to Opt Out: You have the right to opt out of the sale or sharing of your personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights
• Right to Limit Use of Sensitive Information: You have the right to limit our use of sensitive personal information to what is necessary to provide our services

To exercise any of these rights, please contact us at [email protected] or (916) 252-4938. We will respond to verified requests within 45 days as required by law. We may need to verify your identity before processing your request.

California residents may also designate an authorized agent to submit requests on their behalf. We may require written verification of the agent's authority.

5. SMS Communications & Mobile Data

When you explicitly consent to receive SMS messages from Unlocked Policy LLC, we collect and use your mobile phone number solely for the purposes to which you have consented.

Message frequency may vary but will generally not exceed 10 messages per month. Message and data rates may apply. You may opt out at any time by replying STOP. For assistance, reply HELP or contact us at [email protected].

Sharing of Mobile Information

Your SMS consent data and mobile information will only be shared with SMS service providers solely for the purpose of delivering messages you have consented to receive. These providers are bound by confidentiality obligations. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All SMS opt-in data and consent information is excluded from any data sharing arrangements with third parties, other than service providers required solely to deliver consented messages.

6. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies on our website. These technologies help us operate and improve our services, understand user behavior, and measure the effectiveness of our advertising.

Types of Cookies We Use

• Strictly Necessary Cookies: Required for core website functionality and cannot be disabled
• Analytics Cookies: Help us understand how users interact with our site (e.g., Google Analytics)
• Advertising Cookies: Used to measure and optimize advertising campaigns on platforms such as Google Ads and Meta Ads
• Functional Cookies: Remember your preferences and settings to enhance your experience

You can control or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our website. You may also opt out of certain advertising cookies through the Network Advertising Initiative at optout.networkadvertising.org.

7. Third-Party Advertising Platforms

We use advertising services from Google LLC and Meta Platforms, Inc. (Facebook/Instagram) to promote our services. These platforms may collect information about your interactions with our website through cookies and pixels to deliver relevant advertisements. Their practices are governed by their own privacy policies:

• Google Privacy Policy
• Meta Privacy Policy

You may opt out of interest-based advertising through your account settings on those platforms or by visiting aboutads.info.

8. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. When we no longer need your information, we will delete or anonymize it in accordance with our internal data retention policies. Insurance-related records may be subject to longer retention periods under applicable state and federal regulations.

9. Data Security

We implement commercially reasonable physical, technical, and administrative security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include encryption of data in transit, access controls, and regular security assessments. However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security of your information and encourage you to use strong, unique passwords and to notify us immediately if you suspect any unauthorized access to your account.

10. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected personal information from a child under 18, we will take immediate steps to delete that information. If you believe we may have collected information from a minor, please contact us at [email protected].

11. Links to Third-Party Sites

Our website may contain links to third-party websites, including insurance carriers, agent platforms, and partner services. We are not responsible for the privacy practices of these third parties, and this Privacy Policy does not apply to their sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the effective date at the top of this page and, where appropriate, notify you by email or by posting a prominent notice on our website. Your continued use of our services after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

• Company: Unlocked Policy LLC
• Address: 27 E Sonoma Street, Merced, California 95341
• Email: [email protected]
• Phone: (916) 252-4938