Effective Date: October 20, 2025
Last Updated: October 20, 2025
Notice for California Residents
This California Privacy Rights page supplements our Privacy Policy and applies solely to visitors, users, and others who reside in the State of California. We have created this page to comply with the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act of 2020 (CPRA).
Your California Privacy Rights
As a California resident, you have specific rights regarding your personal information under California law:
1. Right to Know
You have the right to request that we disclose:
- The categories of personal information we have collected about you
- The categories of sources from which we collected your personal information
- Our business or commercial purpose for collecting, selling, or sharing personal information
- The categories of third parties to whom we disclose personal information
- The specific pieces of personal information we have collected about you
2. Right to Delete
You have the right to request that we delete any personal information we have collected from you, subject to certain exceptions under the law.
3. Right to Correct
You have the right to request that we correct inaccurate personal information we maintain about you.
4. Right to Opt-Out of Sale/Sharing
You have the right to opt out of the “sale” or “sharing” of your personal information as those terms are defined under the CCPA/CPRA.
5. Right to Limit Use of Sensitive Personal Information
You have the right to limit our use and disclosure of your sensitive personal information to only what is necessary to perform our services.
6. Right to Non-Discrimination
You have the right not to receive discriminatory treatment for exercising any of your CCPA/CPRA rights. We will not:
- Deny you goods or services
- Charge you different prices or rates
- Provide you a different level or quality of services
- Suggest that you will receive a different price or quality of services
Categories of Personal Information We Collect
In the past 12 months, we have collected the following categories of personal information from California consumers:
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | Name, postal address, email address, phone number, driver’s license number, IP address | YES |
| B. Personal Information under Cal. Civ. Code § 1798.80(e) | Name, address, telephone number, driver’s license number, insurance policy number | YES |
| C. Protected Classification Characteristics | Age, date of birth, marital status | YES |
| D. Commercial Information | Insurance purchase history, claims history, products or services considered | YES |
| E. Biometric Information | Fingerprints, facial recognition data | NO |
| F. Internet/Network Activity | Browsing history, search history, interaction with our website | YES |
| G. Geolocation Data | Physical location based on IP address | YES |
| H. Sensory Information | Audio recordings of customer service calls (if applicable) | YES |
| I. Professional/Employment Information | Current employer, occupation (for underwriting purposes) | YES |
| J. Education Information | Education level | NO |
| K. Inferences | Profile reflecting preferences, characteristics, behavior, attitudes | YES |
| L. Sensitive Personal Information | Driver’s license number, precise geolocation, Social Security number (in limited circumstances) | YES |
Sources of Personal Information
We collect personal information from the following sources:
- Directly from you when you complete quote request forms
- Automatically through cookies and tracking technologies
- Third-party data providers such as data brokers and marketing partners
- Insurance providers in our network
- Public records and databases
- Credit reporting agencies (where permitted)
- Social media platforms if you interact with us there
Business/Commercial Purposes for Collecting Personal Information
We collect and use personal information for the following purposes:
- Providing Services: To connect you with insurance providers and generate quotes
- Communication: To respond to inquiries and provide customer support
- Marketing: To send promotional materials and advertisements
- Analytics: To understand user behavior and improve our services
- Security: To detect fraud and protect against malicious activity
- Legal Compliance: To comply with applicable laws and regulations
- Business Operations: To operate, maintain, and improve our website
How We Share Personal Information
Categories of Third Parties
We disclose personal information to the following categories of third parties:
- Insurance Companies – Providers in our comparison network
- Insurance Agents and Brokers – Licensed professionals who provide quotes
- Service Providers – Companies that perform services on our behalf (hosting, analytics, marketing, payment processing)
- Advertising Networks – Partners who help us deliver targeted advertising
- Data Analytics Providers – Companies that help us analyze user behavior
- Affiliates and Subsidiaries – Related corporate entities
- Professional Advisors – Attorneys, accountants, consultants
- Government Agencies – When required by law
Sale and Sharing of Personal Information
We may “sell” or “share” your personal information as those terms are defined under the CCPA/CPRA.
In the past 12 months, we have sold or shared the following categories of personal information:
- Identifiers (name, email, phone number, address)
- Commercial information (insurance preferences, quote history)
- Internet/network activity (browsing behavior, interactions)
- Geolocation data
- Inferences (preferences and characteristics)
We sell or share this information to:
- Insurance providers and agents in our network
- Advertising networks and marketing partners
- Data analytics providers
We do NOT knowingly sell or share personal information of consumers under 16 years of age.
Your Right to Opt-Out of Sale/Sharing
Do Not Sell or Share My Personal Information
You have the right to opt out of the sale or sharing of your personal information at any time.
To exercise your right to opt-out:
- Click here: Do Not Sell or Share My Personal Information
- Email us: privacy@vipcarinsurance.net with “Do Not Sell” in the subject line
Once you opt-out, we will wait at least 12 months before asking you to authorize the sale or sharing of your personal information again.
Opt-Out Preference Signals
We recognize and honor opt-out preference signals such as the Global Privacy Control (GPC) signal. If you enable GPC on your browser, we will treat it as a request to opt out of the sale/sharing of your personal information.
Sensitive Personal Information
We collect and use the following categories of sensitive personal information:
- Driver’s license numbers
- Precise geolocation data
- Social Security numbers (in limited circumstances for insurance verification)
You have the right to limit our use of your sensitive personal information to only what is necessary to provide our services.
To limit use of sensitive personal information:
- Email: privacy@vipcarinsurance.net
How to Exercise Your Privacy Rights
Submitting Requests
To exercise your rights to know, delete, or correct your personal information, you may submit a request by:
- Email: privacy@vipcarinsurance.net
Verification Process
To protect your privacy and security, we will verify your identity before processing your request. We may ask you to:
- Provide identifying information (name, email, phone number, address)
- Answer security questions
- Provide documentation (if requesting sensitive information)
Authorized Agent
You may designate an authorized agent to submit requests on your behalf. The authorized agent must:
- Provide written authorization signed by you
- Verify their own identity
- Provide proof of their authority to act on your behalf
We may also require you to verify your identity directly with us.
Response Timing
We will respond to verifiable requests within:
- 45 days of receipt
- We may extend this period by an additional 45 days when reasonably necessary (we will inform you)
No Fee
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine a fee is warranted, we will explain why before completing your request.
Data Retention
We retain personal information for as long as necessary to:
- Provide our services and fulfill the purposes described in this notice
- Comply with legal obligations (typically 5-7 years for insurance-related records)
- Resolve disputes and enforce agreements
- Meet regulatory requirements
Specific retention periods vary based on:
- The type of information
- The purpose for which it was collected
- Legal and regulatory requirements
- Our legitimate business interests
Contact for California Privacy Rights
California Privacy Rights Inquiries:
VipCarInsurance.net
Attn: California Privacy Rights
Email: privacy@vipcarinsurance.net
California Shine the Light Law
Under California Civil Code Section 1798.83 (Shine the Light law), California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes during the preceding calendar year.
To make such a request, please contact us at:
- Email: privacy@vipcarinsurance.net with “Shine the Light Request” in the subject line
- Mail: [Your Physical Address]
Metrics (CPRA Requirement)
2024 Privacy Request Metrics
We received and processed the following number of requests from California consumers in 2024:
| Request Type | Requests Received | Requests Complied With (Fully or Partially) | Requests Denied | Median Days to Respond |
|---|---|---|---|---|
| Right to Know | 0 | N/A | N/A | N/A |
| Right to Delete | 0 | N/A | N/A | N/A |
| Right to Correct | 0 | N/A | N/A | N/A |
| Right to Opt-Out of Sale/Sharing | 0 | N/A | N/A | N/A |
Note: These metrics will be updated annually.
Updates to This Notice
We may update this California Privacy Rights page from time to time. When we make changes, we will update the “Last Updated” date at the top of this page and notify you as required by law.
Questions or Complaints
If you have questions or concerns about our privacy practices, please contact us using the information above.
You may also contact the California Attorney General’s office:
California Attorney General’s Office
Privacy Enforcement Section
1300 I Street
Sacramento, CA 95814
Telephone: (916) 210-6276
Website: https://oag.ca.gov/contact/consumer-complaint-against-business-or-company
Last Updated: October 20, 2025