Thank you for visiting policygrowth.com (the "Site"), an online property of Inquiries.io LLC ("Company," "we," "our," or "us"). This Privacy Policy outlines our approach to handling personal and other information collected from visitors ("User," "you," or "your") when they: (a) access or use the Site; (b) interact with third-party credit-related resources and information ("Third-Party Links"), and content such as blog posts, text, videos, and other credit-related materials on the Site ("Informational Content," collectively referred to as "Content"); (c) engage with comment sections and other interactive features on the Site ("Interactive Services"); or (d) use contact forms and information on the Site to reach out to the Company or request contact from our third-party credit-related service providers and online aggregators ("Third-Party Service Providers"), collectively known as "Contact Services" (together with the Site, Content, and Interactive Services, the "Site Offerings").
Users with disabilities who need this Privacy Policy in an alternative format can reach us by calling (855) 953-5754, emailing [email protected], or mailing us at 30 N. Gould St., Sheridan, WY 82801.
Capitalized terms not defined here will have the meanings given in the policygrowth.com Website Terms and Conditions ("Terms and Conditions"). IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY POLICY IN FULL, YOU MAY NOT ACCESS OR USE THE SITE OFFERINGS.
Your California Privacy Rights
Your Nevada Privacy Rights
Personal Information Collected
Use and Sharing of Personal Information
Non-Personal Information Collection and Use
Behavioral Tracking/Advertising
Interactive Services
Third-Party Websites
Security
Minors
Opt-Out/Unsubscribe
Deleting, Modifying and Updating Your Information
Transfer of Personal Information Internationally
Changes to this Privacy Policy
Contact Us
Filing a Complaint with the Federal Trade Commission
Provisions for California Residents
If you are a California resident, you have additional privacy rights under state law. These include the right to opt-out of the sale of your personal information, and the right to know what personal information we have collected about you, whether it has been shared with third parties in the past year, and if so, the categories of personal information shared and the names and addresses of those third parties. Please refer to our Provisions for California Residents below for a detailed description of your rights.
If you are a Nevada resident and wish to opt-out of the sale of your personal information to any third-party data broker, please contact us by emailing [email protected], calling (855) 953-5754, or mailing us at 30 N. Gould St., Sheridan, WY 82801.
[For additional details regarding the categories of personal information collected, please see our Provisions for California Residents below.] In this Privacy Policy, "personal information" refers to individually identifiable information about an individual. We collect personal information when you access certain Site Offerings and complete the required information request form or otherwise provide such information to us. If you use the Contact Services, you may need to provide some or all of the following information: (a) your email address; (b) your full name; (c) your telephone number; (d) information about your vehicle and insurance needs; and (e) any other information collected via the Contact Services form.
When you submit your Contact Data by clicking the submission button on the Site: (i) we may share your Contact Data with one or more of our marketing partners and/or affiliates ("Marketing Partners") or Third-Party Service Providers; (ii) you may be contacted by us and/or one or more of our Marketing Partners or Third-Party Service Providers regarding your request; and/or (iii) you may receive third-party offers from one or more Marketing Partners that we believe may interest you. When we contact you in response to your Contact Data submission, a Company representative may request additional information over the phone, including but not limited to: (A) your date of birth; (B) your mailing address; (C) information about your vehicle and credit needs; and (D) any other information requested by the representative.
[For details regarding our use of personal information, please see our Provisions for California Residents below.] By submitting your personal information through the Site Offerings, you agree that we may share, sell, rent, lease, or otherwise provide that information to any third party for any lawful purpose. We may collaborate with other businesses to bring you selected third-party offers. These businesses and third parties may include, but are not limited to: (a) direct marketing service providers and applications, including lookup and reference, data enhancement, suppression, and validation services; (b) email marketers; (c) telemarketers (where permitted by law); and (d) direct marketers. We may also use your personal information to send you promotional messages about our products and services, as well as third-party products and services that we believe may interest you.
With your permission, we may share your User Data with Third-Party Service Providers you request to be contacted by. These providers may use your User Data to offer you credit-related products and services and for other lawful purposes, subject to any restrictions herein. Any information you provide directly to a Third-Party Service Provider will be governed by their privacy policy. When you submit personal information, we use it to personalize your experience on the Site and facilitate the delivery of the applicable Site Offerings, including responding to your inquiries. We may also share your information with third-party companies and individuals to perform functions on our behalf, such as sending mail, removing duplicate information from user lists, analyzing data, and providing marketing analysis. These agents have access to your personal information only as needed to perform these functions for us and are not permitted to use it for other purposes.
We will also use your personal information, with your permission, for customer service, to provide information you request, to customize your experience with the Site Offerings, and to contact you when necessary regarding your use of the Site Offerings. Additionally, we may use your personal information for internal business purposes, such as analyzing and managing our service offerings, including the Site Offerings. We may combine information we collect about you with information from other sources. By submitting your personal information through the Site Offerings, you agree that such submission constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.) and applicable state do-not-call regulations. This means we may contact you via telemarketing in accordance with the Rule and state regulations, even if your phone number is listed on the Federal Trade Commission's Do-Not-Call List or applicable state lists.
If you provide "prior express consent" as defined by the Telephone Consumer Protection Act (47 USC § 227) and its implementing regulations (47 CFR § 64.1200), you consent to receive calls from us and/or our designated Third-Party Service Providers, including artificial voice calls, pre-recorded messages, and/or calls (including SMS text messages) delivered via automated technology, to the phone number(s) you provided. Note that you are not required to provide this consent to access the Site Offerings, and your consent simply allows us and our Third-Party Service Providers to contact you via these methods.
Please inform us immediately if your phone number changes. If you (i) reassign your phone number to another person or entity, (ii) give up your phone number, (iii) port your phone number to a landline or vice versa, or (iv) stop using your phone number for any reason ("Phone Number Change"), you agree to notify us promptly via email at [email protected] or using one of the methods in the "Contact Us" section below.
We reserve the right to release current or past personal information: (A) if we believe the Site Offerings are being or have been used in violation of the Terms and Conditions or to commit unlawful acts; (B) if the information is subpoenaed, provided that, where permitted by law, we will notify you via email and give you the opportunity to challenge the subpoena before disclosing any personal information; or (C) if we are sold, merge with a third party, are acquired, or undergo bankruptcy proceedings. In such events, you will be notified via email and/or a prominent notice on the Site of any change in ownership or use of your personal information and any choices you may have regarding your personal information.
You consent to the disclosure of any record or communication to any third party when we determine, in our sole discretion, that such disclosure is appropriate, including sharing your email address with third parties for suppression purposes in compliance with applicable law, including the CAN-SPAM Act of 2003. Users should be aware that courts of equity, such as U.S. Bankruptcy Courts, may have the authority under certain circumstances to permit personal information to be shared or transferred to third parties without permission.
[For details regarding the categories and types of non-personal information collected, please see our Provisions for California Residents below.]
IP Addresses/Browser Type
When you visit various pages of the Site, we may collect certain non-personally identifiable information about you and your device. This includes, but is not limited to, the type of browser you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system (e.g., Windows, iOS), and the domain name of your Internet service provider (e.g., Verizon, AT&T). We use this information to improve the design and content of the Site Offerings and to personalize your Internet experience. Additionally, we may use this information in aggregate form to analyze Site Offerings usage.
Cookies
When you visit the Site, we send one or more cookies and/or GIF files (collectively, "Cookies") to your device, assigning an anonymous, unique identifier. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies enhance your experience on the Site in many ways. To learn more about Cookies, please visit www.cookiecentral.com. We use Cookies to improve the quality of the Site Offerings, including storing User preferences and tracking Site-User trends (such as pages visited and length of stay).
Most Internet browsers are initially set to accept Cookies, but you can reset your browser to refuse all Cookies or to alert you when a Cookie is being sent. To disable and reject certain Cookies, follow the instructions for your Internet browser. Even if you reject Cookies, you may still use the Site Offerings, but some functions may be impaired or inoperable if Cookies are disabled. We reserve the right to retain Cookie data indefinitely.
Site Offerings for lawful purposes. Aggregate or group data describes the demographics, usage, and other characteristics of Site Offerings Users as a group, without disclosing personally identifiable information.
We, along with third-party entities like Google®, use Cookies, pixels, and other tracking technology (collectively, "Tracking Technology") on the Site to track User activities (such as websites visited, ads selected, and pages viewed) after they leave the Site. We and our third-party partners use this Tracking Technology to target Users with advertisements for our products and services, as well as third-party products and services that may interest them.
Additionally, we use a third-party service called Clarity to better understand our Users' needs and optimize the Company Offerings. Clarity is a Microsoft® technology service that helps us understand Users' Site-related experiences (e.g., time spent on pages, links clicked, preferences). Clarity uses cookies and other technology to collect data on User behavior and devices (e.g., IP addresses stored in anonymized form, device screen size, device type, browser information, geographic location (country only), and preferred language). Clarity stores this information in a pseudonymized User profile, and neither Clarity nor Company will use this information to identify individual Users or match it with other data on an individual User. For more details, see Clarity’s privacy policy here.
Generally, Users may disable some or all tracking activities by using the "Do Not Track" setting or similar options in most major Internet browsers. Users may also opt-out of tracking by the Network Advertising Initiative or Digital Advertising Alliance.
You can opt-out from the creation of a User profile, Clarity's storage of your Site usage data, and Clarity's use of tracking cookies on other websites by following this opt-out link.
Additionally, Users can opt-out of certain Google®-related tracking technology and customize Google® Display Network ads by visiting Google® Ads Settings at google.com/settings/ads. Google® also recommends installing the Google® Analytics Opt-out Browser Add-on for your web browser, available here: tools.google.com/dlpage/gaoptout. To the fullest extent permitted by law, we are not responsible for third-party tracking practices in connection with the Site.
Google® is a registered trademark of Google, Inc. ("Google"). Please note that Company is not affiliated with Google, nor are the Site Offerings endorsed, administered, or sponsored by Google.
When you interact with the Company, other Users, or any third party through the Interactive Services, please be aware that any personal information you submit can be read, collected, and/or used by others. This information could be used to send you unsolicited messages or to contact you without your consent. We are not responsible for any personal information you choose to submit through the Interactive Services.
This Site may contain links to websites owned and operated by third parties, including Company’s Third-Party Service Providers and Marketing Partners. Company is not responsible for the privacy practices or content of these websites. In some cases, you may make a purchase through one of these third-party websites, which may require you to provide information such as a credit card number to complete the transaction. These websites have separate privacy and data collection practices, and Company is not responsible for their policies.
We take measures to safeguard and protect Users’ personal information. When personal information is provided to us, it is protected both online and offline (to the extent any personal information is maintained offline). Sensitive information (such as financial information, medical information, driver’s license/ID card number, health insurance information, data from an automated license plate recognition system, or Social Security Number) is encrypted with advanced TLS (Transport Layer Security) during storage and transmission.
Access to your personal information is strictly limited. Reasonable measures are taken to ensure your personal information is not accessible to the public. User personal information is restricted in our offices and those of our third-party service providers. Only employees or third-party agents who need access to perform specific jobs are granted access to personal information. Employees are committed to securing and maintaining the privacy of all personal information, and those not adhering to policies face disciplinary action. The servers storing personal information are kept in a secure physical environment, with additional security measures in place to prevent loss, misuse, and alteration of personal information.
Please note, while we take every reasonable precaution to protect your data, no storage facility, technology, security protocol, or data transmission over the Internet or wireless networks can be guaranteed to be 100% secure. Hackers might circumvent our security measures, and technological bugs, errors, and glitches may cause inadvertent disclosures. Any attempts to breach our security systems may constitute a crime punishable by law. Therefore, we cannot guarantee absolute security of your personal information. Any data transmission through the Site, other Site Offerings, or via the Internet or wireless networks is at your own risk.
In compliance with applicable federal and state laws, we will notify you and any relevant regulatory agencies if we learn of a breach involving your personal information. Notification will be sent via email and may be delayed to meet law enforcement needs, determine the scope of the breach, and engage in remedial measures.
[For details regarding the personal information of minors, please see our Provisions for California Residents below.] Visitors under eighteen (18) years of age are not permitted to use or submit personal information on the Site. Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate in and monitor their children’s interactive activities.
[For California residents, please see our Provisions for California Residents below for instructions on opting out of the sale of personal information to third parties.] To opt-out of receiving emails and other communications from us, you can either: (a) follow the instructions included in the email or other communication; or (b) email us at [email protected].
Please note that we may continue to contact you regarding your requests for Site Offerings and to respond to your inquiries. To opt-out of receiving messages related to Site Offerings or inquiries, you must stop requesting and/or using the Site Offerings and cease submitting inquiries to the Company.
[For California residents, please see our Provisions for California Residents below for instructions on accessing and deleting personal information.] Upon your request, we will: (a) inform you of the personal information we have on file for you; (b) amend the personal information we have on file for you; and/or (c) remove personal information you have provided to us or that we have collected. You may request this by emailing us at [email protected]. We ask that Users identify themselves and specify the information to be accessed, corrected, or removed before processing such requests. To the extent permitted by law, we may decline to process requests that are unreasonably repetitive, require disproportionate technical effort, jeopardize the privacy of others, or are impractical (e.g., information on backup tapes).
Please be aware that deleting your personal information may terminate your access to certain Site Offerings. If you wish to continue using the full range of Site Offerings, you may not be able to delete all the personal information we have on file for you.
Additionally, after you delete your personal information, residual copies may take some time to be removed from our active servers and may remain in our backup systems.
If you are visiting the Site from outside the country where our servers are located, your communications with us may result in transferring information across international boundaries. By visiting the Site and communicating electronically with us, you consent to such transfers. Regardless of differing privacy laws in your jurisdiction, we will treat your information according to the protections described in this Privacy Policy.
Company reserves the right to change or update this Privacy Policy at any time by posting a notice on the Site. If we change how we use personal information, we will notify Users by: (a) sending the modified policy via email; and/or (b) any other reasonable means as required by applicable state and federal laws. You will have the option to opt-in to the new use of your information.
If you have any questions about this Privacy Policy or our privacy practices, you can contact us by emailing [email protected], calling (855) 953-5754, or sending mail to: 30 N. Gould St., Sheridan, WY 82801
To file a complaint regarding our privacy practices, please Click Here.
These Provisions for California Residents ("Provisions") supplement the Privacy Policy above and do not limit it in any way. These Provisions apply exclusively to residents of California ("CA Users"). We adopt these Provisions in compliance with the California Consumer Privacy Act of 2018 ("CCPA") and other applicable California privacy laws. Any terms defined in the CCPA have the same meaning when used in these Provisions. Users with disabilities who need these Provisions in an alternative format can contact us by calling (855) 953-5754, emailing [email protected], or sending mail to: 30 N. Gould St., Sheridan, WY 82801.
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular User or device ("personal information"). Specifically, we have collected the following categories of personal information from Users within the past twelve (12) months:
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver's license or State identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. Note: Personal information included in this category (1) does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records, and (2) may overlap with other categories. |
YES |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
| F. Internet or other similar network activity. | Browsing history, search history, information on a User's interaction with a website, application or advertisement. | YES |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for the following business purposes:
We will not collect additional categories of personal information or use the collected information for materially different, unrelated, or incompatible purposes without providing notice.
Subject to your right to opt-out, we may share, rent, and/or sell your personal information with/to third parties for marketing and other business purposes. When we disclose personal information to third-party service providers or other entities, we enter into contracts that specify the purpose for which the third party may use the personal information and require them to keep it confidential and use it only for the contracted services.
We do not collect or share personal information from Users we know are under eighteen (18) years of age. We have not shared or sold personal information of Users under sixteen (16) years of age in the past twelve (12) months.
In the past twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
We disclose your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, we have sold the following categories of personal information to third parties:
Category A Identifiers.
Category B California Customer Records personal information categories.
Category C Protected classification characteristics under California or federal law.
Category F Internet or other similar network activity.
Category I Professional or employment-related information.
In the preceding twelve (12) months, we have: (a) sold personal information to the third parties who purchase and/or license your personal information for marketing purposes, as well as the third parties who provide the credit-related products and/or services featured on the Site; and (b) shared your personal information for the business purposes set forth above.
We disclose your personal information for business purposes to the following categories of third parties:
In the past twelve (12) months, we have sold the following categories of personal information to third parties:
In the past twelve (12) months, we have:
The CCPA provides California residents with specific rights regarding their personal information. This section describes those rights and explains how to exercise them.
Opt-Out from the Sale of Your Personal Information
You have the right to opt-out of the sale of your personal information. To exercise this right, please:
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve (12) months. Upon receiving and verifying your request, we will provide:
Deletion Request Rights
You have the right to request that we delete any personal information collected and retained about you, subject to certain exceptions. Upon receiving and verifying your request, we will delete your personal information from our records and direct our service providers to do the same, unless an exception applies.
We may deny your deletion request if retaining the information is necessary to:
Exercising Access, Data Portability, and Deletion Rights
To exercise these rights, please:
Only you or a person registered with the California Secretary of State authorized to act on your behalf may make a verifiable request related to your personal information. You may make a verifiable request for access or data portability twice within a 12-month period. The request must:
We cannot respond to your request or provide personal information if we cannot verify your identity or authority. Making a verifiable request does not require you to create an account with us. We will only use personal information provided in a verifiable request to verify the requestor's identity or authority.
We strive to respond to verifiable requests within forty-five (45) days. If more time is needed (up to ninety (90) days), we will inform you of the reason and extension period in writing. Our response will be delivered by mail or electronically, depending on your preference. Any disclosures will cover the twelve (12) months preceding the receipt of your request. If we cannot comply with a request, we will explain why. For data portability requests, we will provide your personal information in a readily usable format.
We do not charge a fee for processing verifiable requests unless they are excessive, repetitive, or manifestly unfounded. If a fee is warranted, we will explain why and provide a cost estimate before completing your request.
We will not discriminate against you for exercising your CCPA rights. Unless permitted by the CCPA, we will not:
We reserve the right to amend this Privacy Notice at any time. When changes are made, we will notify you by email or through a notice on the Site’s homepage.
If you have any questions or comments about this Privacy Notice, our Privacy Policy, the ways we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please contact us by: