Privacy Policy

Last Updated: April 10, 2025

At Rate My Insurer, LLC ("we," "us," or "our"), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our websites (RateMyInsurer.us, RateMyInsurer.xyz, and IHateMyInsurance.com) or use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

1. Information We Collect

1.1 Information You Provide

Account information: When you create an account, we collect your email address, username, and password.
Profile information: Optional information you may choose to provide, such as your name, location, or profile picture.
Content: Information you post on our platform, including reviews, comments, and other contributions.
Communications: Information provided when you contact us directly.

1.2 Information Automatically Collected

Usage data: Information about how you interact with our website, including pages visited, time spent, and actions taken.
Device information: Information about your device, such as browser type, operating system, and screen resolution.
IP addresses: For security and abuse prevention purposes, we store only cryptographically hashed versions of IP addresses, not the actual IP addresses themselves. This allows us to identify patterns of misuse while preserving your privacy.
Cookies and similar technologies: We use cookies and similar technologies to enhance your experience, analyze usage, and assist in our marketing efforts.

Note on IP Address Handling: Unlike many websites that store your actual IP address, we take extra steps to protect your privacy by only storing a cryptographic hash of your IP address. This means we can detect abuse patterns without being able to identify your specific location or identity from the stored data.

2. How We Use Your Information

We use the information we collect for the following purposes:

To provide, maintain, and improve our services
To verify user identity and prevent fraud or abuse
To process and respond to your requests, inquiries, and feedback
To personalize your experience and deliver content relevant to your interests
To send administrative information, such as updates, security alerts, and support messages
To comply with legal obligations
To monitor and analyze usage and trends to improve our website and services
To protect the security and integrity of our platform

3. Sharing of Your Information

We may share information in the following situations:

With your consent: We may disclose your information if you have explicitly agreed to it.
For legal purposes: We may share information in response to legal processes or to comply with applicable laws.
To protect rights and safety: We may share information to protect our rights or the rights and safety of others.
With service providers: We may share information with third-party vendors, consultants, and other service providers who perform services on our behalf.
In business transfers: We may share or transfer your information in connection with a merger, acquisition, reorganization, or sale of all or a portion of our assets.

We do not sell your personal information to third parties.

4. Data Security

We implement appropriate technical and organizational measures to protect the information we collect and maintain. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

Right to access and receive a copy of your personal information
Right to rectify or update your personal information
Right to erasure (the "right to be forgotten")
Right to restrict processing of your personal information
Right to data portability
Right to object to processing of your personal information
Right to withdraw consent

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

6. Cookies Policy

We use cookies and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

7. Children's Privacy

Our service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn we have collected personal information from a child, we will delete that information as quickly as possible.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

9. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

Email: privacy@ratemyinsurer.us

Address: 212 W. Troy St.
STE B
Dothan, AL, 36303, USA