Privacy Policy

1. Introduction

Policy Peak ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, request a quote, or purchase an insurance policy through us.

2. Information We Collect

We may collect the following categories of information:

• Contact details such as your name, email address, phone number, and mailing address.
• Quote and policy information including date of birth, household composition, vehicle or property details, and prior coverage history.
• Financial information such as payment method and billing address used to issue or service a policy.
• Technical data like IP address, browser type, device identifiers, referring URLs, and pages viewed.
• Communications you send to us, including chat transcripts, voicemails, and form submissions.

3. How We Use Your Information

We use your information to:

• Provide quotes, underwrite, issue, and service insurance policies.
• Verify identity and prevent fraud.
• Process payments and claims.
• Respond to inquiries and provide customer support.
• Send service notices and, where permitted, marketing communications you can opt out of at any time.
• Comply with legal, regulatory, and reporting obligations.
• Improve our website, products, and services.

4. How We Share Information

We do not sell your personal information. We may share it with insurance carriers and reinsurers to obtain quotes and bind coverage, with service providers that support our operations (such as hosting, analytics, payment processing, and email delivery), with regulators and law enforcement when required by law, and with parties to a corporate transaction such as a merger or acquisition.

5. Cookies and Tracking

We use cookies and similar technologies to operate the site, remember preferences, measure performance, and improve your experience. You can control cookies through your browser settings; disabling them may limit some site functionality.

6. Data Retention

We retain personal information for as long as needed to provide our services and to meet legal, accounting, tax, and regulatory requirements. When information is no longer required, we securely delete or anonymize it.

7. Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Rights

Depending on where you live, you may have rights to access, correct, delete, or port your personal information, to object to or restrict certain processing, and to opt out of targeted advertising or the "sale" or "sharing" of personal information. To exercise any right, contact us at hello@policypeak.co. We will not discriminate against you for exercising these rights.

9. Children's Privacy

Our services are not directed to children under 16, and we do not knowingly collect personal information from them.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated effective date.

11. Contact Us

Questions about this Privacy Policy? Email us at hello@policypeak.co.