Privacy Policy

MoneyVerge.net ("we," "us," "our," or the "Company") is committed to protecting your privacy and ensuring transparency about how we handle your personal information. This Privacy Policy describes our practices regarding the collection, use, disclosure, and safeguarding of information we receive from users of our website located at moneyverge.net (the "Site").

Please read this Privacy Policy carefully. By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, please discontinue use of the Site immediately.

1. Information We Collect

1.1 Information You Provide Directly

We collect personal information you voluntarily provide when you interact with our Site, including when you request insurance quotes, complete forms, subscribe to newsletters, or contact us. This may include:

• Full name, email address, phone number, and mailing address
• ZIP code and geographic location information
• Insurance type preferences and coverage needs
• Vehicle information (make, model, year, VIN) for auto insurance quotes
• Property details (address, type, value) for home insurance quotes
• Date of birth and gender (for certain insurance products)
• Business information for commercial insurance quotes
• Financial information relevant to loan or credit products
• Any other information you voluntarily submit through our forms

1.2 Information Collected Automatically

When you visit our Site, we automatically collect certain technical and usage information through cookies, web beacons, and similar technologies:

• IP address and derived approximate geographic location
• Browser type, version, and language settings
• Operating system and device type (desktop, mobile, tablet)
• Pages visited, time spent on pages, and navigation patterns
• Referring website URL or search query
• Click-through data and interaction patterns
• Session identifiers and cookie data

1.3 Information from Third Parties

We may receive information about you from third-party sources including advertising partners, data brokers, social media platforms, and analytics providers. We combine this information with data we collect directly to improve our services and personalize your experience.

2. How We Use Your Information

We use the personal information we collect for the following purposes:

• Insurance quote comparison: To match you with insurance providers that offer products matching your stated needs, coverage preferences, and geographic location.
• Loan and financial product comparison: To connect you with lenders and financial product providers offering competitive rates for your financial profile.
• Service delivery: To operate, maintain, and improve our comparison tools and website functionality.
• Communications: To send you quote results, follow-up information about insurance or financial products, newsletters you have subscribed to, and responses to your inquiries.
• Marketing: To send promotional communications about products and services that may interest you, subject to your opt-out rights described in this Policy.
• Analytics and improvement: To analyze usage patterns, user behavior, and site performance to improve our services and user experience.
• Legal compliance: To comply with applicable federal and state laws, insurance regulations, FTC guidelines, and other legal obligations.
• Fraud prevention and security: To detect, prevent, and respond to fraudulent activity, security breaches, and other prohibited activities.
• Business operations: For internal business purposes including record-keeping, auditing, and financial reporting.

3. Information Sharing & Third-Party Disclosure

We do not sell your personal information to unaffiliated third parties for their own independent marketing purposes without your explicit consent. We may share your information in the following circumstances:

3.1 Insurance and Financial Partners

When you request quotes or click through to obtain insurance or financial products, your information is shared with the relevant insurance companies, lenders, or financial service providers to facilitate your quote request. These partners have their own privacy policies governing their use of your information.

3.2 Advertising and Marketing Partners

We work with third-party advertising networks and marketing partners including SureHits/NextInsure, Google AdSense, Google Analytics, and Bing Ads. These partners may receive certain information to display relevant advertisements and insurance quotes to you. Please review their respective privacy policies for information about their data practices.

3.3 Service Providers

We share information with trusted third-party service providers who assist us in operating our website, conducting our business, and serving our users, subject to confidentiality agreements that prohibit them from using your information for other purposes.

3.4 Legal Requirements

We may disclose your information when required by law, legal process, government request, or when we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

3.5 Business Transfers

In the event of a merger, acquisition, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice on our Site if such a transfer occurs.

4. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Site. You can control cookies through your browser settings, though disabling certain cookies may affect Site functionality.

Types of Cookies We Use

• Strictly Necessary Cookies: Required for the Site to function properly. Cannot be disabled without affecting core functionality.
• Analytics Cookies: Collect information about how visitors use our Site (e.g., Google Analytics). Help us understand user behavior and improve our services.
• Advertising Cookies: Used by our advertising partners to deliver relevant insurance and financial product advertisements based on your interests and browsing history.
• Functional Cookies: Remember your preferences and settings to provide a more personalized experience on return visits.
• Performance Cookies: Collect information about Site performance and user interactions to help us optimize loading times and functionality.

For detailed information about specific cookies used on our Site, please see our Cookie Policy.

5. Online Advertising & Interest-Based Ads

We participate in interest-based advertising programs that use cookies and similar technologies to deliver advertisements relevant to your interests. You may opt out of interest-based advertising through the following mechanisms:

• Google: google.com/settings/ads
• Network Advertising Initiative: optout.networkadvertising.org
• Digital Advertising Alliance: optout.aboutads.info
• Your browser settings: Most browsers allow you to block or delete cookies

Note that opting out of interest-based advertising does not mean you will no longer see advertisements — it means the ads you see will not be tailored to your interests.

6. Data Security

We implement commercially reasonable technical, administrative, and physical security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include SSL/TLS encryption for data transmission, secure server infrastructure, access controls and authentication requirements, regular security assessments, and employee training on data privacy and security.

However, no method of internet transmission or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security. In the event of a data breach that affects your rights and freedoms, we will notify affected individuals and relevant authorities as required by applicable law.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Quote request information: Retained for up to 24 months for business purposes
• Account and profile information: Retained until account deletion is requested
• Analytics data: Retained in aggregated form indefinitely; individual session data for up to 26 months
• Legal and compliance records: Retained for minimum of 7 years as required by applicable law
• Marketing preferences and opt-outs: Retained indefinitely to honor your preferences

8. California Privacy Rights (CCPA/CPRA)

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

To exercise your California privacy rights, contact us at privacy@moneyverge.net or visit our Do Not Sell My Personal Information page. We will respond to verifiable requests within 45 days as required by law.

9. European Privacy Rights (GDPR)

If you are located in the European Union, European Economic Area, or United Kingdom, you have additional rights under the General Data Protection Regulation (GDPR) and applicable national data protection laws:

• Right of Access: Obtain confirmation of whether we process your personal data and access to that data.
• Right to Rectification: Request correction of inaccurate personal data.
• Right to Erasure ("Right to be Forgotten"): Request deletion of your personal data under certain circumstances.
• Right to Restriction of Processing: Request that we restrict processing of your personal data in certain circumstances.
• Right to Data Portability: Receive your personal data in a structured, commonly used, machine-readable format.
• Right to Object: Object to processing of your personal data based on legitimate interests or for direct marketing purposes.
• Rights Related to Automated Decision-Making: Not be subject to solely automated decisions that produce significant legal effects.

To exercise GDPR rights, contact us at privacy@moneyverge.net. We will respond within 30 days. You also have the right to lodge a complaint with your local data protection supervisory authority.

10. Children's Privacy (COPPA)

Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13 in violation of the Children's Online Privacy Protection Act (COPPA). If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@moneyverge.net. We will promptly delete such information from our records upon verification.

11. Third-Party Links & Services

Our Site contains links to third-party insurance providers, financial service companies, and other external websites. We are not responsible for the privacy practices, security, or content of these third-party sites. We strongly encourage you to review the privacy policy of each website you visit. Links to third-party sites do not constitute our endorsement of those sites or their content.

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. We will notify you of material changes by posting the updated Policy on this page with a revised "Last Updated" date, and where required by law, by sending you email notification or displaying a prominent notice on our Site. Your continued use of our Site after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us & Privacy Requests

For questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

For California residents exercising CCPA rights, please use the subject line "CCPA Privacy Request" in your email. For GDPR data subject requests, please use the subject line "GDPR Data Request."