Effective Date: January 18, 2025

WhereToPay.us ("we," "our," or "us") values your privacy and is committed to protecting your information. This Privacy Policy explains how we collect, use, and protect your data when you visit or use our website ("Site"). By accessing or using the Site, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect

1.1 Information You Provide

We only collect the following information if you choose to provide it:

  • Policy Number: If you submit a policy number during your search, we temporarily use it to assist in creating a new policy listing.
  • Insurance Company Name: If provided, we use this information solely to help identify the correct payment information for your policy.

Important Note: Under U.S. privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and other applicable regulations, a policy number and the name of an insurance company are not considered personally identifiable information (PII) or nonpublic personal information (NPI). These pieces of information are not sufficient to identify an individual without additional context, such as a name, Social Security number, or other personal identifiers.

We do not collect any other personal data such as names, addresses, phone numbers, or payment information.

1.2 Automatically Collected Information

When you visit our Site, certain information may be automatically collected by our server logs or third-party services. This includes:

  • IP Address
  • Browser Type and Version
  • Operating System
  • Referring Website URLs
  • Pages Viewed and Time Spent on the Site
  • Date and Time of Access

This information is collected for security, analytics, and troubleshooting purposes.

1.3 Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, provide targeted advertising, and analyze traffic. Cookies are small text files stored on your device. You can manage your cookie preferences through your browser settings.

2. How We Use Your Information

We use the information collected for the following purposes:

  • To provide and improve our services.
  • To assist users in creating policy listings based on submitted policy numbers and insurance company names.
  • To monitor and analyze usage patterns and trends.
  • To display personalized advertisements through Google AdWords, Bing Ads, and other advertising networks.
  • To comply with legal obligations and prevent fraudulent activities.

3. Sharing of Information

We do not sell, rent, or trade your information to third parties. However, we may share data in the following circumstances:

3.1 Affiliate Marketing Programs

We participate in affiliate marketing programs, including but not limited to:

  • Amazon Associates: We earn commissions from qualifying purchases made through affiliate links. These links may redirect you to Amazon.com or other Amazon-owned websites.
  • Google AdWords and Bing Ads: We display advertisements provided by these networks, which may collect data for personalized ad targeting.

These third-party programs may collect information about your interactions with their advertisements or links. Please refer to their respective privacy policies for details on how they handle your data.

3.2 Service Providers

We may share data with trusted service providers who assist us in operating our Site, such as hosting providers, analytics services, or advertising networks. These providers are bound by confidentiality agreements and are only permitted to use your data for the purposes specified by us.

3.3 Legal Compliance

We may disclose information if required to do so by law or in response to valid legal requests, such as subpoenas or court orders.

4. Cookies and Third-Party Tracking

Our Site uses cookies and third-party tracking technologies to provide a better user experience and deliver personalized ads.

4.1 Types of Cookies We Use

  • Essential Cookies: Necessary for the functionality of the Site.
  • Performance and Analytics Cookies: Used to analyze traffic and improve our services.
  • Advertising Cookies: Used to display targeted advertisements through Google AdWords, Bing Ads, and other networks.

4.2 Third-Party Advertising and Tracking

We partner with third-party advertising networks, including:

  • Google AdWords: Google may collect data about your interactions with ads on our Site. Learn more about Google's data collection practices in their Privacy Policy at https://policies.google.com/privacy.
  • Bing Ads: Bing may use cookies to track ad performance. For more details, refer to Microsoft's Privacy Statement at https://privacy.microsoft.com/.
  • Amazon Associates: Amazon may track your purchases made through affiliate links. See Amazon's Privacy Notice at https://www.amazon.com/privacy.

You can opt out of personalized ads by visiting the Network Advertising Initiative's Opt-Out Page at https://optout.networkadvertising.org/ or adjusting your browser settings.

5. Data Retention

We retain server logs and any submitted policy numbers for as long as necessary to fulfill the purposes outlined in this Privacy Policy. Policy numbers are not stored beyond their immediate use.

6. Security of Your Information

We implement industry-standard security measures to protect your data from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. Therefore, we cannot guarantee absolute security.

7. Your Privacy Choices

You have the following rights regarding your data:

  • Access and Correction: You may request access to or correction of any data we hold about you.
  • Opt-Out of Cookies: You can disable cookies through your browser settings.
  • Do Not Track Signals: Our Site does not respond to Do Not Track (DNT) signals.

To exercise your rights, please contact us using the information provided in Section 10.

8. Children's Privacy

Our Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child under 18, we will delete it immediately.

9. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. Please review their privacy policies before providing any personal information.

10. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be effective immediately upon posting. It is your responsibility to review this Privacy Policy periodically for updates.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: Contact Form: Available on the Terms of Service page.