Last updated: December 2024
About This Policy
HomeGuard Insurance Hub (“we,” “us,” or “our”) operates as a lead generation and referral service connecting homeowners with licensed insurance providers. We are not an insurance company. This Privacy Policy explains how we collect, use, and share your personal information.
Information We Collect
When you submit a quote request through our website, we collect:
- Personal Information: Name, email address, phone number, home address
- Property Information: Home value, age of home, current insurance status
- Coverage Preferences: Desired coverage timeline and additional details
- Technical Data: IP address, browser type, device information, and website usage data
- Cookies and Tracking: We use cookies and similar technologies to improve your experience
How We Use Your Information
We use your information to:
- Connect you with licensed insurance providers who can offer quotes
- Share your information with our partner insurance companies and agents
- Facilitate communication between you and insurance providers
- Improve our services and website functionality
- Analyze usage patterns and trends
- Comply with legal obligations
Information Sharing with Insurance Partners
Important: By submitting your information, you consent to:
- Sharing your information with multiple insurance providers and agents
- Receiving phone calls, emails, and text messages from insurance representatives
- Being contacted even if you’re on a Do Not Call list (as permitted by law for business inquiries)
- Contact via automated telephone dialing systems, artificial/pre-recorded messages, and SMS texts
We share your information with licensed insurance companies and agents who may contact you to provide quotes and discuss insurance options. These third parties have their own privacy policies and are responsible for their own data practices.
We are not responsible for the actions, privacy practices, or content of our insurance partners. Once your information is shared, any further interactions are between you and the insurance provider directly.
TCPA Consent & Communication Authorization
Express Written Consent:
By submitting your phone number, you provide express written consent to receive telemarketing calls and text messages from us and our insurance partners using automated dialing systems, artificial or pre-recorded voices, and text messages. Your consent is not required as a condition of purchasing any goods or services. Message and data rates may apply.
You may revoke this consent at any time by contacting us, but revocation will not affect communications you’ve already agreed to receive from our partners. To stop messages from partners, you must contact them directly.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Generally, we retain submitted information for up to 5 years unless otherwise required by law.
Third-Party Services
We may use third-party services for:
- Analytics and website performance tracking
- Form processing and data management
- Advertising and marketing campaigns
These services may collect information about your online activities over time and across different websites.
Data Security
We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security.
Your Rights and Choices
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Opt-out of marketing communications (though insurance partners may still contact you)
- Request deletion of your information (subject to legal requirements)
Note: Once we share your information with insurance partners, you must contact them directly to manage how they use your data.
State Privacy Rights
California Residents (CCPA/CPRA): You have the right to know what information is collected, the right to delete information, and the right to opt-out of the sale of personal information. We may share your information with insurance partners for valuable consideration, which may constitute a “sale” under California law.
Other State Rights: Residents of Virginia, Colorado, Connecticut, Utah, and other states with privacy laws may have similar rights to access, delete, and opt-out of data sales. Contact us to exercise these rights.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW: We provide our lead generation and referral services “AS IS” without warranties of any kind. We are not liable for any damages arising from your use of our services or interactions with insurance partners. We do not guarantee any specific outcomes, quotes, or insurance coverage.
We are not responsible for the conduct, accuracy, reliability, or quality of services provided by any insurance partner. Any disputes with insurance providers must be resolved directly with them.
Dispute Resolution & Arbitration
Any dispute arising from your use of our services or this Privacy Policy shall be resolved through binding arbitration rather than in court, except where prohibited by law. You waive your right to participate in class action lawsuits or class-wide arbitration.
Arbitration will be conducted by a neutral arbitrator in accordance with the rules of the American Arbitration Association. The arbitrator’s decision is final and binding.
Children’s Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect information from children.
International Users
Our services are intended for users in the United States. If you access our services from outside the U.S., you acknowledge that your information will be transferred to, stored, and processed in the United States where data protection laws may differ.
No Guarantee of Services
We do not guarantee that you will receive insurance quotes, callbacks, or coverage from our partners. Insurance providers independently decide whether to contact you based on their own criteria. We are not responsible for any delays, denials, or lack of response from insurance partners.
Changes to This Policy
We may update this Privacy Policy from time to time. Continued use of our services after changes constitutes acceptance of the updated policy. We will notify you of significant changes by posting the new policy on this page with an updated “Last Updated” date.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us through our website.