Privacy Policy

Privacy Policy

Effective Date: 9/18/2025

1. Introduction

The Insurance Consumer Guidance Society (“ICGS,” “we,” “us,” or “our”) is committed to protecting the privacy of individuals (“you” or “your”) who access or use our website (https://www.icgs.org/), make use of our services, or otherwise engage with us. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and how we protect it.

By using our website or services, you consent to the practices described in this policy.

2. What Information We Collect

We may collect the following types of information:

· Personal Information You Provide Directly.

Such as your name, email address, phone number, mailing address, or other identifying information when you:

• Contact us via email or our helpline,

• Subscribe to newsletters or updates,

• Make a donation,

• Participate in surveys, webinars, contests, or other programs,

• Request education or guidance services.

· Automatically Collected Information.

When you use our website, we may automatically collect data such as:

• IP address, browser type, device information (type, operating system, screen size etc.),

• Pages you visit, time spent, referring/exit pages, and click‐paths,

• Cookies, web beacons, pixel tags, or similar technologies (see Section 4).

· Third‐Party Information.

Information we receive from third parties, such as payment processors, event platforms, analytics providers, or other service providers that assist us.

3. How We Use Your Information

We use the data we collect for purposes including:

· To provide, maintain, and improve our services, educational materials, guidance, and website.

· To respond to inquiries, complaints or requests you make.

· To process donations.

· To send you newsletters, educational content, event announcements, or other communications you request or that may be of interest (you can opt‐out as provided below).

· To monitor and analyze usage and trends to improve your experience.

· To comply with legal, regulatory, or governmental obligations, or to protect our rights, property, or safety, or those of others.

4. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies:

· To recognize you when you return to our website.

· To remember your preferences.

· To count visits and understand how visitors move through the site.

· To help us tailor content and improve usability.

You can usually set your browser to refuse cookies or to alert you when cookies are being sent. Note, however, that some parts of our site may not function properly without cookies.

5. Sharing & Disclosure

We will not sell your personal information. We may share information in the following ways:

· Service Providers & Partners. Third‐party vendors who help us run our operations (e.g. payment processors, analytics, hosting, outreach tools) may have access to information needed to perform their services.

· Legal Requirements. If required by law, or in response to a subpoena, court order, or government investigation.

· Protecting Rights & Safety. To enforce our policies, or to protect the rights, property, or safety of ICGS, our users, or others.

· Merger or Acquisition. If ICGS is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction (with notice or subject to confidentiality obligations).

6. Data Security

We take reasonable measures—administrative, technical, and physical—to protect your personal information from unauthorized access, use, modification, or disclosure. While no data transmission over the internet or storage can be fully guaranteed to be 100% secure, we continuously review our practices to maintain appropriate security.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law. When data is no longer needed, we securely delete, destroy, or anonymize it.

8. Children’s Privacy

Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us, and we will promptly delete it.

9. Your Rights and Choices

Depending on where you live and applicable laws, you may have certain rights regarding your personal data, including:

· Access: the right to request a copy of your personal information.

· Correction: the right to correct inaccurate or incomplete information.

· Deletion: the right to request deletion of your personal information.

· Objection / Restriction: the right to restrict or object to certain processing.

· Opt‐out: of marketing emails or communications.

To exercise these rights, contact us via info@icgs.org or through other means listed below.

10. International Users

If you are located outside the United States, your information may be transferred to, stored, and processed in the United States. By using our website or services, you consent to such transfers as necessary.

11. Changes to This Policy

We may amend this Privacy Policy from time to time. When we do, we will post the updated version on the website with a revised “Effective Date.” If the changes are materially different, we will try to provide notice via email or prominent notice on our homepage.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, or want to exercise your privacy rights, please contact:

Insurance Consumer Guidance Society (ICGS)

Phone: 213-83LEARN (213‐835‐3276)

Email: info@icgs.org