What we hold, and why

Insurance Plan Center ("we", "us") is an independent comparison and referral service. This policy explains exactly what a request sends us, who sees it, how long we keep it, and how to get it back or have it deleted. If a sentence here is unclear, ring us and we will explain it on the phone.

1. What the forms actually collect

We have two forms, and neither asks for more than it needs.

• The request form on the home page collects the kind of cover you are interested in, your name, a phone number, your ZIP code, and the window that suits you for a call. There is an optional notes box for anything you want to say in advance.
• The contact form collects your first and last name, an email address, an optional phone number, the subject you pick from a list, and your message.
• Both forms include a box asking your permission before anyone contacts you. We do not treat silence as agreement.
• Our server also records the request's IP address and the browser details it arrived with, which is how we spot automated abuse.

We do not ask for payment details, and we have nowhere to put them. We are not an insurance company, so there is no account balance on our side to secure.

2. What we do with it

• To pass your details to the insurance companies you have asked us to approach, so they can quote you
• To let an advisor pick up the conversation without making you repeat yourself
• To send you the notes from your own call, if you asked us to
• To answer a later question about a request you made, including a renewal check next year
• To keep the service running and to block abuse of the forms

We do not use your details for advertising, and we do not sell or rent them to advertisers, list brokers, or data brokers.

3. Who else sees it

Details go to the insurance companies involved in your request, and to a small number of suppliers who help us operate the service: our hosting provider, our email provider, and the telephone carrier delivering a call. Each of them handles your information for a stated purpose rather than for their own advertising.

We also disclose information where we are legally required to, for example in response to a valid regulator or court order, and we would tell you about it unless the law stops us.

4. Cookies and tracking

This site does not run advertising or analytics trackers. It does use a small amount of browser storage with two narrow purposes: a security token that stops another site submitting a form as if it were you, and a flag recording that you have already seen our call invitation so it does not reappear on every page.

The page loads its fonts and its styling framework from third-party services, which means your browser sends them a normal request in the same way it does for any website. If you would rather block that, a content blocker will do it at the cost of the page looking plainer.

5. How long we keep it

A request that leads to a policy can be subject to insurance record-keeping rules, so we may keep it for up to seven years. A request that goes nowhere is deleted within twelve months. Either way, you can ask us to remove it sooner, and we will, subject to any rule that requires us to keep it.

6. Your choices

Depending on the state you live in, you may have the right to see what we hold about you, correct it, have it deleted, or object to us using it. Those rights are now written into the law in many states, and we honour them wherever we operate.

Two things worth knowing. You can ask us to stop contacting you at any time, and doing so will not affect any policy you already hold, because that relationship is with the insurance company rather than with us. And you can ask for a copy of what we hold as a plain file, usually within a month.

7. Security

The site is served over an encrypted connection, submissions are checked and filtered on arrival, and access to stored records is limited to the people handling your request. As with anything sent over the internet, we cannot promise that no system is ever breached, and we would rather say so honestly than claim an absolute.

8. Children

This service is for adults arranging their own cover. We do not knowingly collect information from anyone under 18. If you believe a child's details reached us, tell us and we will remove them.

9. Changes to this policy

If this changes in a way that affects you, the updated version will be on this page with a new date, and if the change is significant we will tell you directly rather than expecting you to notice.

10. Reaching us about your information

Ask for the privacy request rather than the general line, and it will come to the right person: