Privacy Policy

Effective Date: October 18, 2025

Last Reviewed: October 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 visit our website (https://www.icgs.org), use our services, or otherwise interact with us.

This Privacy Policy explains what personal information we collect, how we use and share it, and what rights you have regarding your data. By using our website or services, you consent to the practices described in this Policy.

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2. Information We Collect

a. Information You Provide Directly

We collect information that you voluntarily provide, such as your:

• Name, email address, phone number, or mailing address;

• Donation details (via secure third-party processors);

• Preferences when subscribing to newsletters or educational programs;

• Information submitted via forms, surveys, or webinar registrations.

b. Information Collected Automatically

When you visit our site, we may collect:

• IP address, browser type, and device characteristics;

• Pages visited, time spent, and referring/exit pages;

• Cookies or similar technologies that remember preferences and improve usability (see Section 4).

c. Information from Third Parties

We may receive limited information from trusted vendors (e.g., payment processors, analytics tools, event platforms) to help us operate our services.

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3. How We Use Information

We use your data to:

• Provide, improve, and personalize our services and educational materials;

• Process donations securely and issue receipts;

• Communicate about programs, news, or events (with your opt-in consent);

• Analyze website trends and performance;

• Comply with legal obligations or protect the safety and integrity of our users and organization.

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4. Cookies and Tracking Technologies

We use cookies and similar tools to:

• Recognize returning visitors and remember preferences;

• Measure engagement and traffic patterns;

• Improve content relevance.

You can control cookies through your browser settings. Essential cookies may still be required for the website to function properly.

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5. Sharing and Disclosure

We do not sell your personal data. We share it only when necessary:

• Service Providers: With partners providing payment processing, analytics, hosting, or communication services under confidentiality agreements.

• Legal Compliance: When required by law, subpoena, or government request.

• Protection of Rights: To enforce our terms or safeguard users and the organization.

• Organizational Changes: If ICGS merges or transfers assets, personal data may transfer subject to confidentiality obligations.

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6. Data Security

We use industry-standard safeguards—encryption, firewalls, limited access controls—to protect data from unauthorized use or disclosure. While no online service is completely secure, we continuously update our measures to maintain protection.

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7. Data Retention

We retain personal information only as long as needed for its purpose, or as required by law. Once data is no longer needed, we delete or anonymize it securely.

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8. Children’s Privacy

ICGS does not knowingly collect personal data from children under 13. If such data is inadvertently collected, we will promptly delete it upon notice.

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9. Your Rights and Choices

Depending on your location, you may have the right to:

• Access, correct, or delete your personal information;

• Object to or restrict certain processing;

• Withdraw consent for communications at any time;

• Opt-out of marketing emails via the unsubscribe link or by contacting us.

To exercise these rights, email info@icgs.org.

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10. International Data Transfers

If you are outside the United States, your data may be processed in the U.S. By using our site, you consent to this transfer consistent with applicable law.

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11. Links to Other Websites

Our website may contain links to external sites (e.g., donation processors, partner organizations). We are not responsible for their privacy practices and encourage you to review their policies separately.

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12. Changes to This Policy

We may update this Privacy Policy periodically. The “Effective Date” above will reflect the latest revision. Material changes will be communicated via website notice or email when possible.

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13. Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights:

Insurance Consumer Guidance Society (ICGS)

Phone: 213-83LEARN (213-835-3276)

Email: info@icgs.org

Website: https://www.icgs.org