Privacy Policy

This Privacy Policy describes how TheChoiceQuotes, LLC (“TheChoiceQuotes,” “we,” “our,” or “us”) collects, uses, shares, and protects information from visitors to www.thechoicequotes.com (the “Site”). By using the Site, you agree to the terms of this Privacy Policy.

1. Information We Collect

A. Information you provide to us

We collect information you voluntarily provide when you:

• Subscribe to our newsletter (email address)
• Submit a contact form (name, email address, message content)
• Use interactive tools such as financial calculators (inputs entered into calculator fields are not stored on our servers)

B. Information collected automatically

When you visit the Site, we and our service providers automatically collect:

• Log data: IP address, browser type and version, operating system, referring URL, pages visited, time and date of visit, and time spent on pages
• Device information: Device type, screen resolution, and general location derived from IP address (country and region level only)
• Analytics data: We use Google Analytics to collect aggregated information about Site traffic and user behaviour. Google Analytics data is governed by Google’s Privacy Policy. You can opt out of Google Analytics tracking at tools.google.com/dlpage/gaoptout.
• Advertising data: If you click on an affiliate link and complete a transaction with a partner, that partner may share limited transaction data with us under their own privacy practices.

C. Information from third parties

We may receive information about you from our affiliate network partners (currently including Impact.com) when you click on a partner link and take an action on a partner’s website. This data is typically limited to whether a conversion event occurred and is used for commission tracking purposes only.

2. How We Use Your Information

We use the information we collect to:

• Deliver, maintain, and improve the Site and its content
• Send you the newsletter if you have subscribed (you may unsubscribe at any time using the link in any newsletter)
• Respond to your inquiries and support requests
• Analyse Site traffic and user behaviour to improve content and user experience
• Track affiliate commissions and manage partner relationships
• Detect and prevent fraud, abuse, and security incidents
• Comply with applicable legal obligations

We do not sell your personal information to third parties. We do not use your personal information to build advertising profiles for use in targeted advertising on other platforms.

3. How We Share Your Information

We share your information only in the following circumstances:

• Service providers: We share data with third-party service providers who assist us in operating the Site, including web hosting providers, email delivery services, and analytics providers. These providers are contractually required to use your data only for the purposes we specify.
• Affiliate networks: When you click an affiliate link, we pass a tracking identifier to our affiliate network (Impact.com) and the partner’s website. No personally identifiable information is passed in this tracking.
• Legal requirements: We may disclose your information if required to do so by law, subpoena, or other legal process, or if we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, or investigate fraud.
• Business transfers: If TheChoiceQuotes is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction.

We do not share your personal information with financial product partners for their own marketing purposes.

4. Cookies and Tracking Technologies

The Site uses cookies and similar tracking technologies. Cookies are small text files stored on your device by your browser. We use the following types of cookies:

• Essential cookies: Required for the Site to function. These cannot be disabled.
• Analytics cookies: Used by Google Analytics to collect aggregated traffic data. These can be disabled via your browser settings or the Google Analytics opt-out tool.
• Affiliate tracking cookies: Set when you click an affiliate link, used to track whether a qualifying conversion occurred. These are used solely for commission tracking and expire within 30–90 days depending on the partner.

You can control cookies through your browser settings. Disabling cookies may affect the functionality of some features on the Site. Most browsers allow you to refuse or delete cookies; refer to your browser’s help documentation for instructions.

5. Affiliate Disclosure (FTC Compliance)

In compliance with the Federal Trade Commission’s guidelines on endorsements and testimonials (16 C.F.R. Part 255), TheChoiceQuotes discloses the following:

• We maintain commercial relationships with financial product providers whose products are featured on this Site. When you click certain links and complete a qualifying action (such as opening an account, submitting an application, or making a purchase), we may receive a commission or referral fee from the relevant partner.
• The compensation we receive may influence which products are featured on this Site, the order in which they appear, and which products are highlighted with labels such as “Our Pick,” “Flagship,” or “Recommended.”
• Our editorial ratings, scoring criteria, and recommendation criteria are maintained independently of our commercial relationships. Products can receive favourable or unfavourable ratings regardless of whether we have an affiliate agreement with the provider.
• Affiliate links are not distinguished from non-affiliate links by special formatting. The disclosure at the top of each relevant page and in the footer of the Site constitutes our site-wide disclosure.

6. Data Retention

We retain information only for as long as necessary to fulfil the purposes described in this Policy or as required by applicable law:

• Newsletter subscriber data: Retained until you unsubscribe. Unsubscribed records are deleted within 30 days.
• Contact form submissions: Retained for up to 24 months for customer service purposes.
• Analytics data: Google Analytics data is retained for 26 months per our Analytics configuration, after which it is anonymised or deleted.
• Affiliate tracking data: Retained for the duration required by our affiliate network agreements, typically 12–36 months.
• Server log data: Retained for up to 12 months for security and operational purposes.

7. Your Privacy Rights

Depending on your location, you may have the following rights with respect to your personal information:

• Right to access: Request a copy of the personal information we hold about you.
• Right to correction: Request that we correct inaccurate personal information.
• Right to deletion: Request that we delete your personal information, subject to legal retention requirements.
• Right to opt-out of sale: We do not sell personal information. This right is not applicable.
• Right to data portability: Request your information in a portable format.
• Right to withdraw consent: Where processing is based on consent (such as newsletter subscription), you may withdraw consent at any time.

To exercise any of these rights, contact us at privacy@thechoicequotes.com. We will respond within 30 days. We may require verification of your identity before fulfilling a request.

8. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to know: You may request disclosure of the categories and specific pieces of personal information we have collected about you in the past 12 months.
• Right to delete: You may request deletion of personal information we have collected from you, subject to certain exceptions.
• Right to correct: You may request correction of inaccurate personal information.
• Right to opt-out of sale or sharing: TheChoiceQuotes does not sell personal information as defined by the CCPA, nor do we share personal information for cross-context behavioural advertising.
• Right to limit use of sensitive personal information: We do not collect sensitive personal information as defined by the CPRA.
• Non-discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To submit a CCPA request, email privacy@thechoicequotes.com with the subject line “California Privacy Request.” We will verify your identity and respond within 45 days, with a possible 45-day extension for complex requests.

9. European Users (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, you have rights under the General Data Protection Regulation (GDPR) or equivalent legislation. Our lawful basis for processing your personal information is as follows:

• Legitimate interests: We process analytics data and server logs under our legitimate interest in operating and improving the Site.
• Consent: We process your email address for newsletter purposes based on your consent. You may withdraw consent at any time.
• Contractual necessity: We process contact form data to respond to your enquiries.

TheChoiceQuotes is based in the United States. If you are located outside the United States, your information will be transferred to and processed in the United States, which may not provide the same level of data protection as your home country. By using the Site, you consent to this transfer.

To exercise your GDPR rights or to contact our Data Protection Officer, email privacy@thechoicequotes.com.

10. Children’s Privacy

The Site is intended for adults aged 18 and older and is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will delete that information promptly. If you believe a child under 13 has provided us with personal information, contact us at privacy@thechoicequotes.com.

11. Third-Party Links

The Site contains links to external websites operated by our financial product partners and other third parties. When you click on such a link, you leave our Site and are subject to the privacy policy and practices of the destination site. We are not responsible for the privacy practices of third-party websites. We encourage you to review the privacy policy of any site you visit before providing personal information.

12. Security

We implement reasonable technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include encrypted data transmission (HTTPS), access controls, and regular security reviews. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

If you believe your information has been compromised or if you become aware of any security incident involving our Site, please contact us immediately at security@thechoicequotes.com.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. We will post the updated Policy on this page with a revised “Last Updated” date at the top. Material changes will be communicated to newsletter subscribers by email at least 14 days before they take effect. Your continued use of the Site after any changes constitutes your acceptance of the updated Policy.