Privacy Policy

Terms of Use Last Updated: December 28, 2024

Thank you for visiting our website. The Insuredirectonline.com website (the "Site") is owned and operated by Insuredirectonline.com (“Insuredirectonline,” “we,” or “us”). These Terms of Use (the “Terms”) govern your access to and use of this Site, and by using the Site, you agree to be bound by these Terms. If you do not agree, do not access or use the Site.

Please refer to our Privacy Notice for details on how we collect, use, and share your information. The terms of the Privacy Notice are incorporated by reference into these Terms.

All content, materials, trademarks, and intellectual property on this Site are the property of Insuredirectonline.com or its licensors. We grant you a limited, non-transferable license to access and use the Site for personal and non-commercial purposes. Any unauthorized use is prohibited.

You agree not to:

• Violate any laws or regulations.
• Interfere with the Site’s functionality or security.
• Use bots, scrapers, or other automated tools to access content.
• Post or transmit any unlawful, abusive, or defamatory material.
• Impersonate another person or misrepresent your affiliation.
• Attempt to gain unauthorized access to any part of the Site or systems.

By submitting a request for a quote or insurance inquiry on this Site, you authorize Insuredirectonline.com to share your information with insurance providers, brokers, or affiliated service partners. We are a lead generator and not a licensed insurance underwriter. Any policy or product offer is subject to terms by the offering provider.

By using this Site, you consent to receive communications from us, including via email or text, regarding services or products. You may opt out of marketing communications at any time by following the instructions in our messages.

This Site is provided "as is" and "as available." We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee the availability, accuracy, or completeness of any information or services on this Site.

To the maximum extent permitted by law, Insuredirectonline.com is not liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Site or any services accessed through it. Our total liability shall not exceed fifty dollars ($50).

You agree to indemnify and hold harmless Insuredirectonline.com, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, and expenses arising from your use of the Site or violation of these Terms.

You agree that any dispute or claim related to your use of this Site will be resolved through binding arbitration on an individual basis and not in a class or representative action. Arbitration shall be conducted in Charlotte, North Carolina, under the rules of the American Arbitration Association.

We reserve the right to update these Terms at any time. If material changes are made, we will post a notice on the Site. Continued use of the Site after changes indicates your acceptance.

For questions about these Terms, contact us at:

Insuredirectonline.com
Legal Department
Email: support@insuredirectonline.com

Privacy Notice Last Updated: April 4, 2025

Click here to view Insuredirectonline.com’s GLBA Notice.

Insuredirectonline.com owns and operates each website that displays this Privacy Notice (each, a “Site”). Insuredirectonline.com operates in a variety of industry categories, including insurance lead generation and quoting.

Your privacy is important to us. We created this Privacy Notice to explain how we collect, use, and share the information that we collect from and about you.

Notice at Collection We collect personal information as detailed in this Notice and in our Privacy Notice.

We may “sell” or “share” personal information as those terms are defined under applicable law, including the California Consumer Privacy Act (CCPA), and as indicated for each relevant category of personal information below. All sections in this Notice exclude text messaging originator opt-in data and consent; except as you previously instructed or consented to, this information will not be shared with third parties. If you would like to opt out of the sale or sharing of your personal information, you may do so here or reply “STOP” to any SMS message.

You may also enable the Global Privacy Control (“GPC”) where available, which we will process as a request to opt out when possible.

We retain personal information only as long as reasonably necessary or relevant for the practices described in this Privacy Notice or as required by North Carolina (NC), South Carolina (SC), or other applicable law.

Categories of Personal Information We Collect

• Identifiers: Name, email, phone, address, IP, account name, etc.
• California Civil Code §1798.80(e) Info: Insurance policy number, financial info, employment status, VIN, loan amounts, credit info, etc.
• Protected Class Info: Age, gender, marital status, veteran status, medical condition (where applicable and compliant with HIPAA).
• Commercial Information: Purchase history, service inquiries.
• Internet/Electronic Activity: Browsing and search history.
• Technical Info: Browser type, OS version, device ID, etc.
• Geolocation Data: IP-based location.
• Audio/Visual Data: Calls or site interaction recordings.
• Employment/Education Info: Job and education history (as reported).
• Inferences: Consumer profiles based on collected data.
• Sensitive Personal Info: SSN, driver’s license, health info.

Purpose of Collection We use the data collected to:

1. Connect you with advertising partners who provide insurance and financial services.
2. Respond to your requests (e.g., quotes, emails, texts, calls).
3. Send you relevant information and offers.
4. Improve our site, protect against misuse, and for compliance monitoring.
5. Perform analytics, reporting, and segmentation for lead quality.

Data Sharing We may share your information with:

• Insurance and financial Advertising Partners
• Media Partners
• Service providers (e.g., analytics, validation, customer service)
• Affiliates of Insuredirectonline.com
• Legal and regulatory entities as required by NC, SC, or federal law

Third-Party Websites and Social Media Insuredirectonline.com is not responsible for the privacy practices of third-party or linked websites. Interactions on social media platforms are governed by those platforms’ privacy policies.

Security Measures We use reasonable administrative, physical, and technical measures to protect your information. While we strive to secure your data, no method of transmission or storage is 100% secure.

Children’s Privacy We do not knowingly collect or sell information from individuals under 18. If you are aware of such a situation, please contact us at support@insuredirectonline.com.

User Rights (State-Based) Depending on your state (e.g., NC or SC), you may have rights to:

• Know what data we collect
• Request access or deletion of your data
• Correct inaccurate information
• Opt out of the sale or sharing of your information
• Appeal denied requests

Submit requests by email to support@insuredirectonline.com or by using the “Do Not Sell or Share My Personal Information” link on our website.

Retention We retain data based on legal, regulatory, and business needs as applicable to NC and SC laws.

International Data Transfers If you access our site from outside the U.S., your data may be transferred and stored in the U.S. By using our site, you consent to this transfer.

Updates to This Notice We may update this Privacy Notice periodically. Material changes will be posted on the Site and may be communicated via email or on-site banner.

Contact Us Email: support@insuredirectonline.com
Mail: Insuredirectonline.com Legal Department

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