Liability Motor Insurance – Privacy Policy
Overview
At Liability Motor Insurance (“Liability Motor Insurance,” “we,” “us,” or “our”), we are committed to protecting your privacy. Depending on your place of residence, you may have specific data privacy rights provided under local law.
This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website and services, including our online comparative insurance rating platform (collectively, the “Services”).
By using our website or Services, you (“user,” “you,” or “your”) consent to the collection, use, and disclosure of information as described in this Privacy Policy and agree to our Terms of Service.
What Information Do We Collect?
1. Website Visitors
When you visit our website or register for more information, we may require Personal Information and also automatically collect certain Navigational Information.
Personal Information
“Personal Information” refers to data that identifies you personally, such as:
- Name
- Email address
- Phone number
- Address
- Company information
- Insurance policy details and related records
- Payment or transaction information
- Information from social media or other publicly available platforms (Facebook, LinkedIn, TikTok, Google, etc.)
- Any other information you voluntarily provide
Personal Information includes Navigational Information when such information can identify you directly or indirectly.
Information from Third Parties
We may obtain Personal Information from:
- Co-branded partners
- Marketing partners
- Social media platforms
- Search engines
- Other service providers
These third parties have their own privacy policies that govern how they share information with us.
2. Navigational Information
We may collect data using:
- Cookies
- Pixel tags
- Web beacons
- Clear GIFs
- Mobile device location data
This information may include:
- IP address
- Browser type
- Pages visited
- Geographic location
- Time and date of visit
- Links clicked
- Referring websites
- Device information
- Whether you opened our emails
You may disable cookies or location tracking via device/browser settings, but doing so may affect the functionality of our Services.
3. Log Files
We automatically collect:
- IP addresses
- Browser details
- Domain names
- Operating system
- ISP information
- Clickstream data
- Access times
- Files viewed on our site
This information helps us improve website performance and user experience.
How We Use Information We Collect
Personal Information
We use and store your Personal Information to:
- Deliver and operate our Services
- Process your requests
- Provide insurance quotes and comparisons
- Respond to your inquiries
- Improve service quality
- Communicate relevant offers, updates, and information
- Analyze performance and enhance functionality
Navigational Information
We use this data to:
- Administer the website
- Identify usage trends
- Improve content and features
- Personalize user experience
- Track marketing performance
Targeted Advertising
Liability Motor Insurance may use your browsing information to serve targeted advertisements. Cookies, web beacons, and similar technologies may be used to:
- Deliver relevant ads
- Measure ad effectiveness
- Limit repeated ads
Information We Disclose to Third Parties
Personal Information
We may disclose your Personal Information:
- To third-party contractors assisting with:
- Data analysis
- Marketing support
- Customer service
- Website operations
- Technical maintenance
- To insurance carriers or providers whose products you express interest in.
Web-Tracking Information
We may share web-tracking data with contractors for analytics and service improvements.
Additional Disclosures
We may also share your information:
- With successors in the event of a merger, acquisition, or asset sale
- With law enforcement if required by law
- To protect our rights, safety, or users
- To prevent fraud, security threats, or abuse
Data Retention
We retain Personal Information:
- For at least five years, or
- As long as needed to fulfill business, legal, or regulatory obligations.
When disposing of data, we use secure and appropriate methods.
Cookies
Why We Use Cookies
Cookies help us:
- Operate our website
- Enhance performance
- Analyze site usage
- Personalize your experience
- Deliver relevant content and ads
Types of Cookies
- Essential cookies – required for website functionality
- Performance & functionality cookies
- Analytics & customization cookies
- Advertising cookies
- Social networking cookies
How You Can Control Cookies
You can modify your browser settings to manage cookie preferences. You may also opt out of targeted advertising at:
Other Tracking Technologies
We may use:
- Clear GIFs
- Web beacons
- Pixels
These help determine:
- Email open rates
- User engagement
- Marketing effectiveness
Consumer Data Privacy Rights
Depending on your state of residence (CA, CO, CT, DE, IA, MT, NE, NH, NJ, OR, TN, TX, UT, VA), you may have the right to:
✔ Request to Know
✔ Request to Delete
✔ Request to Correct
✔ Request to Opt Out
✔ Data Portability
✔ Limit Use of Sensitive Personal Information
✔ Opt out of selling/sharing/targeted advertising
We do not discriminate against users for exercising privacy rights.
Some Personal Information is necessary to provide insurance services. Declining to provide required information may prevent us from offering quotes or completing services.
Submitting Privacy Requests
You may submit a Request to Know, Delete, Correct, or Opt Out by contacting us at:
📧 info@liabilitymotorinsurance.com
We may require identity verification before fulfilling your request.
We will acknowledge your request within 10 business days and respond within 45 days, with possible extension if needed.
If we deny your request, you may appeal the decision.
Authorized Agents
Authorized agents may submit requests on your behalf, subject to identity verification or proof of authority.
California Online Privacy Protection Act (CalOPPA)
- We do not respond to “Do Not Track” signals.
- We do not authorize third-party data collection for advertising without consent.
Security
We implement physical, electronic, and managerial safeguards to protect your information.
However, no Internet transmission is completely secure.
We are not responsible for unauthorized third-party actions such as hacking.
Amendments
Liability Motor Insurance may update this Privacy Policy from time to time.
Material changes will be posted on our website with an updated effective date.
Accessibility
Users with disabilities may request an accessible version of this Privacy Policy by contacting:
📧 info@liabilitymotorinsurance.com
Children’s Privacy
Liability Motor Insurance does not knowingly collect information from individuals under 17 years old.
If information from a child under 13 is discovered, we will take steps to delete it.
Visitors Outside the United States
Our servers are located in the United States.
If you access the Services from another country, you do so at your own risk and consent to this Privacy Policy and all applicable U.S. laws.
End of Privacy Policy