Privacy Policy

1. Introduction

This Privacy Policy describes how Clutch City Insurance ("we," "our," or "us") collects, uses, and protects your personal information when you visit our website and use our services. By using our website, you consent to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

When you contact us through our website's messaging system or contact forms, we collect:

• Your name and email address
• Message content and any other information you voluntarily provide
• Any additional contact information you choose to share

2.2 Automatically Collected Information

We automatically collect certain information when you visit our website:

• IP address for basic connectivity and security
• Browser type and version for compatibility
• Pages visited and basic navigation patterns
• Referring website
• Basic device information

2.3 Cookies and Similar Technologies

Our website uses cookies to provide essential functionality, analyze website traffic, and measure advertising effectiveness. Cookies are small text files stored on your device when you visit our website. You may change your cookie preferences at any time using the "cookie settings" in the footer.

Essential Cookies

These cookies are necessary for the website to function properly and cannot be disabled:

• cookieConsent - Stores your cookie preference choices (stored in browser localStorage, persistent until cleared)
• Stripe cookies (__stripe_mid, __stripe_sid) - Required for secure payment processing during event registration. These cookies enable fraud prevention and session management (1 year and 30 minutes respectively)
• reCAPTCHA cookies - Google reCAPTCHA v3 tokens used to protect forms from spam and abuse (session-based, expires after form submission)

Analytics Cookies (Optional)

These cookies help us understand how visitors use our website. You can opt-out of these through our cookie banner:

• _ga - Google Analytics cookie that distinguishes unique users and tracks basic website usage patterns (expires after 2 years)
• _ga* - Google Analytics 4 property-specific cookie that maintains session state and user engagement metrics (expires after 2 years)
• _gid - Google Analytics cookie that distinguishes users for short-term tracking (expires after 24 hours)
• _gat - Google Analytics cookie used to throttle request rate to prevent server overload (expires after 1 minute)

Note: These analytics cookies are only set if you accept analytics cookies through our cookie banner. We use Google Analytics 4 with IP anonymization enabled to protect your privacy.

Marketing & Advertising Cookies (Optional)

These cookies are used to show you relevant advertisements and measure campaign effectiveness. You can opt-out through our cookie banner:

• _gcl_au - Google Ads conversion linker that helps measure ad campaign performance and conversions (expires after 90 days)

Note: These advertising cookies are only set if you accept marketing cookies through our cookie banner.

Third-Party Services

Our website uses the following third-party services that may set their own cookies:

• Google Tag Manager: Manages our analytics and marketing tags. Only loads after you provide consent for analytics or marketing cookies.
• Google Analytics 4: Provides website traffic analysis and user behavior insights. Only active if you accept analytics cookies.
• Google Ads: Measures advertising campaign effectiveness. Only active if you accept marketing cookies.
• Google reCAPTCHA v3: Protects forms from spam and automated abuse. Runs on form pages to ensure security.
• Stripe: Processes payments securely for event registrations. Only active on payment pages.

Managing Your Cookie Preferences

You have full control over which cookies are set on your device:

• Cookie Banner: When you first visit our site, you can choose to accept all cookies, reject optional cookies, or customize your preferences
• Cookie Settings: Click "Cookie Settings" in the website footer to update your preferences at any time
• Browser Settings: Most browsers allow you to refuse cookies or delete existing cookies through their settings menu
• Google Opt-out Tools: Google Analytics Opt-out Browser Add-on or Google Ads Settings

Please note: Disabling cookies may impact site functionality.

3. How We Use Your Information

We use the collected information for the following purposes:

• Communication: To respond to your inquiries, messages, and provide customer support
• Follow-up Contact: To contact you regarding your inquiries and provide relevant information about our services
• Website Improvement: To analyze website usage and improve our services and user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Security: To protect our website, users, and business from fraud and security threats

4. Email Communications

When you send us a message through our website, it is delivered to us via email. We use your email address and the information you provide to:

• Respond to your specific inquiry or request
• Follow up on our conversation to provide additional assistance
• Send you relevant information about our services (with your consent)

You may opt out of non-essential email communications at any time by contacting us or using the unsubscribe link in our emails.

5. 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 limited circumstances:

• Licensed Insurance Professionals: When you submit a contact form, your information is shared with licensed insurance agent who will contact you to discuss your insurance needs and options.
• Service Providers: With trusted third-party service providers who assist us in operating our website and business
• Legal Requirements: When required by law, regulation, legal process, or governmental request
• Business Protection: To protect our rights, property, or safety, or that of our users or others
• Business Transfers: In connection with a merger, acquisition, or sale of business assets. There may not be a plan in your area that has all of these benefits in one plan.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our website uses industry-standard encryption and security protocols. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Email communications and contact information are typically retained and expired after 12 months for a reasonable period to provide ongoing customer support and follow-up services.

8. Your Rights and Choices

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

• Access: Request access to your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-out: Opt out of certain uses of your information, including marketing communications

To exercise these rights, please contact us using the information provided below.

9. Third-Party Links

Our website contain links to third-party websites or services. 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.

10. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date. Your continued use of our website after such changes constitutes acceptance of the updated policy.

11. Contact Information

If you have questions regarding this policy, contact us: