Privacy Policy

ExpertQuote Insurance Services, Inc. (“ExpertQuote,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit ExpertQuote.com, contact us, or interact with our website.

Please do not submit medical information, Social Security numbers, financial-account information, or other sensitive personal information through our general website forms. If information of that nature is needed to provide brokerage or client services, we will provide an appropriate method for transmitting it.

1. Scope

This Privacy Policy applies to personal information collected through this website and related communications. Information that ExpertQuote processes for clients, prospective clients, benefit plans, employees, or other individuals in connection with brokerage or consulting services may also be governed by client agreements, plan documents, carrier notices, and applicable insurance, financial-privacy, or health-information laws.

2. Personal Information We Collect

Information you provide

When you complete a form, email us, call us, or otherwise communicate with us, we may collect:

• Your first and last name.
• Your company or organization.
• Your work email address and telephone number.
• Information you include in a message, inquiry, or renewal-review request.
• Records of our correspondence and interactions with you.

Information collected automatically

Our website and its hosting, security, and form-processing providers may automatically receive technical information such as your Internet Protocol address, browser and device type, requested pages or URLs, referring page, and the date and time of a request. We use this information to deliver, secure, maintain, and troubleshoot the website.

Client and service information

If you are a client or prospective client, we may receive additional business, benefits, enrollment, financial, or health-related information through approved channels when reasonably necessary to evaluate or provide services. We handle that information in accordance with applicable law and our contractual obligations.

3. Sources of Personal Information

We collect personal information directly from you; from your employer, authorized representatives, benefit plans, carriers, and business partners; and automatically through our website and service providers.

4. How We Use Personal Information

We may use personal information to:

• Respond to inquiries and provide requested information or services.
• Evaluate renewal-review and prospective-client requests.
• Communicate about our services, resources, updates, and events.
• Operate, secure, maintain, analyze, and improve our website and services.
• Prevent fraud, misuse, security incidents, and unlawful activity.
• Comply with legal, regulatory, licensing, recordkeeping, and contractual obligations.
• Establish, exercise, or defend legal claims.

5. How We Disclose Personal Information

We do not sell personal information or share it for cross-context behavioral advertising. We may disclose personal information:

• To vendors that provide website hosting, security, form processing, communications, information technology, analytics, professional, and other business-support services. The website currently uses FormSubmit to process general website form submissions.
• To carriers, benefit plans, administrators, advisors, and business partners when directed by you or reasonably necessary to evaluate or provide requested services.
• To regulators, courts, law enforcement, or other parties when required by law or reasonably necessary to protect rights, safety, and security.
• In connection with a merger, financing, acquisition, reorganization, or sale of all or part of our business, subject to appropriate confidentiality protections.
• With your consent or at your direction.

Service providers may use personal information only for the services they provide to us and as permitted by their agreements and applicable law.

6. Cookies and Similar Technologies

We do not use website information for targeted advertising. Our website and service providers may use cookies, local storage, server logs, or similar technologies that are necessary to deliver, secure, and operate the website. Browser settings may allow you to control cookies, but disabling necessary technologies can affect website functionality.

7. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, including to provide services, maintain business and insurance records, comply with legal or contractual obligations, resolve disputes, and enforce agreements. Retention periods vary based on the nature of the information and the reason it was collected.

8. Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. No internet transmission or storage system is completely secure, and we cannot guarantee absolute security.

9. Your Privacy Rights

Depending on where you live and subject to applicable exceptions, you may have the right to request access to or correction or deletion of your personal information, to obtain information about how it is used and disclosed, to opt out of certain sales or sharing, to limit certain uses of sensitive personal information, and not to receive discriminatory treatment for exercising a privacy right.

ExpertQuote does not sell personal information or share it for cross-context behavioral advertising. Where legally required, we honor applicable browser-based opt-out preference signals, such as Global Privacy Control.

To submit a privacy request, email Info@ExpertQuote.com or call 408-953-1000. Please describe your request and provide enough information for us to identify the relevant records. We may verify your identity before completing a request. An authorized agent may submit a request on your behalf, but we may require proof of authority and verification directly from you. We will respond within the time required by applicable law. You may appeal a decision where applicable law provides that right.

10. Third-Party Links

Our website may link to websites or services operated by third parties, including Confessions of a Benefits Broker. Their privacy practices are governed by their own policies, and we are not responsible for their content or practices.

11. Children’s Privacy

Our website and services are intended for employers and business professionals, not children. We do not knowingly collect personal information online from children under 13. If you believe a child has provided personal information through the website, please contact us so we can review and delete it as appropriate.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised Policy on this page and update the “Last updated” date. Material changes will be communicated as required by law.

13. Contact Us