Privacy Policy for Insurance 101
Effective Date: April 7, 2025
At Insurance 101 (accessible from https://insurance-101.com), we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, disclose, and protect your personal information in accordance with applicable laws and global privacy standards.
1. Who We Are
Insurance 101 is a digital platform designed to provide insurance education, research, and consumer resources. Our mission is to help individuals make informed insurance decisions through expert-written content.
2. Information We Collect
We collect the following types of data:
A. Information You Provide Voluntarily
- Name, email address, and contact information when subscribing to our newsletter or filling out forms
- Feedback, comments, or inquiries submitted via our contact forms
- Data from account registration (if applicable)
B. Automatically Collected Information
- IP address and geolocation
- Device type, operating system, and browser type
- Pages visited, time spent, and referring URLs
- Cookies and tracking pixels (see our Cookie Policy)
C. Third-Party Data
We may collect anonymized or aggregated data from third-party analytics tools like Google Analytics, SEMrush, or social media platforms.
3. How We Use Your Information
We use your data to:
- Provide personalized insurance content and recommendations
- Respond to inquiries or customer service requests
- Improve website functionality and user experience
- Send newsletters, updates, or promotional materials (only with your consent)
- Monitor website security and prevent fraud or abuse
- Comply with legal and regulatory obligations
4. Legal Bases for Processing (GDPR)
Under the GDPR, we rely on the following legal bases:
- Consent: When you subscribe to our mailing list or accept cookies
- Contractual Obligation: When you engage us for services
- Legitimate Interests: Improving our services and website performance
- Legal Compliance: Where required by law
5. Sharing Your Data
We do not sell your personal data. We may share your information with:
- Trusted third-party service providers (e.g., email marketing tools, analytics providers)
- Government authorities or legal entities, when required by law
- Partners or affiliates, but only in anonymized or aggregated format unless you provide consent
6. Data Storage and Security
We implement robust security measures to protect your information:
- SSL encryption for secure data transmission
- Secure servers hosted in compliance with global standards
- Regular backups and monitoring
- Restricted access to personal data on a need-to-know basis
7. International Data Transfers
Your data may be processed or stored outside your country of residence. We ensure any international transfer is protected by appropriate safeguards such as:
- Standard Contractual Clauses (SCCs)
- Binding Corporate Rules (BCRs)
- Certifications like Privacy Shield (where applicable)
8. Your Rights
Depending on your jurisdiction (e.g., under GDPR, CCPA, Kenya DPA), you may have the right to:
- Access your personal data
- Request correction or deletion of your data
- Object to or restrict processing
- Withdraw consent at any time
- Lodge a complaint with a data protection authority
To exercise your rights, contact us at: Admin@insurance-101.com
9. Retention of Data
We retain personal data only for as long as necessary:
- To provide the services you requested
- For legal, accounting, or regulatory requirements
- For analytical and historical record-keeping purposes
10. Children’s Privacy
Our website is not intended for children under the age of 16, and we do not knowingly collect personal data from children.
11. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your browsing experience.
For detailed information, please read our Cookie Policy (Link to Cookie Policy Page).
12. External Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Please review their privacy policies independently.
13. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. We will notify you of significant changes by updating the “Effective Date” and/or sending email notifications (where applicable).
14. Contact Us
If you have any questions or concerns about this Privacy Policy or your personal data, please contact us at:
Insurance 101
Email: Admin@insurance-101.com
Website: https://insurance-101.com