Privacy Policy

Last revised: May 24, 2023

Your privacy is important to us. This Privacy Policy (the "Privacy Policy") governs the use of your Personal Information in connection with any websites, online services, and/or applications owned or operated by HomeTrust Insurance ("we," "us," "our," or "HomeTrust Insurance"), including, without limitation:

• the websites currently operated by us upon which this Privacy Policy is linked (collectively, the "Site"); and
• any other services, transactions, engagements, or other interactions you have with us (collectively the "Services").

Please carefully read this Privacy Policy, which is part of our Terms of Use, before using our Site and/or Services. By accessing or using our Site or Services you agree to our use of your information consistent with the Terms of Use and this Privacy Policy.

1. Insurance Disclaimer

We are not an insurance company or an insurance agent. We help connect individuals and businesses with companies that may be able to provide insurance products. We do not charge individuals or businesses to submit inquiries regarding obtaining insurance through our Site/Services. Instead, we receive a payment from the companies with whom we connect potential buyers, such as insurance agents, insurers, and third-party insurance service websites ("Insurance Services").

2. Privacy Policy Changes

This Privacy Policy is subject to change. Such changes will be posted on the Site and will be effective immediately upon posting. Your continued use of the Site or Services constitutes acceptance of those changes.

3. Information We Collect

a. Personal Information

When you view content on our website, we automatically collect information about your computer hardware and software, including IP address, browser type, ISP, files viewed, operating system, clickstream data, access times, and referring website addresses. We may also collect information that personally identifies you ("Personal Information"), including identifiers, contact information, commercial information, financial account information, consumer reports, internet or other electronic network activity, professional or employment information, education information, and inferences drawn from this data.

b. Usage Data

We automatically collect information in connection with the actions you take on the Site and in connection with using the Services. We use this information to improve the performance and functionality of our Site and Services.

c. Call Recording & Session Recording

We and/or our Service Providers may record all calls and retain the content of all text messages or other written/electronic communications between you and us. We may also monitor and/or record activity, clicks, and keystrokes on our owned and affiliated websites for informational and quality control purposes. By communicating with us or continuing to use our website, you consent to such recording and retention.

4. Cookies & Tracking Technologies

We use cookies (small text files placed on your computer) to improve the experience of the Site and Services. We use the following types of cookies:

• Essential Cookies: required for the operation of our Site.
• Session Cookies: track you as you move from page to page within the Site.
• Persistent Cookies: reside on your system to remember your preferences.
• Analytics & Customization Cookies: help us understand how our Site is working.
• Functionality Cookies: recognize you when you return to our Site.
• Advertising Cookies: record your online activities to deliver more relevant ads.

Most internet browsers accept cookies automatically. You can change your browser settings to refuse cookies or to prompt you before accepting cookies. Blocking cookies may prevent the Site from operating as expected.

5. How We Use and Share Information

We use Personal Information to provide you with the Site and Services, process transactions, improve our offerings, communicate with you, market products and services, perform analytics, operate security and anti-fraud programs, and comply with legal obligations. We may share your Personal Information with Service Providers, insurance agents, insurers, and Insurance Services in order to fulfill your requests and present you with quotes and offers.

6. Security

We employ commercially reasonable administrative, technical, and physical safeguards to protect your Personal Information from unauthorized access, disclosure, and use. No data transmission over the Internet can be guaranteed 100% secure.

7. Children's Privacy

The Site is not intended for children under the age of 18 and we do not knowingly collect Personal Information from children under the age of 18.

8. Opt Out

You have the right to opt out of receiving marketing from us by contacting us at the address below. If you opt out of marketing you will still receive transactional messages, such as responses to your questions.

9. Contact Us

If you have any questions about our Site, Services, or this Privacy Policy, please send us a letter to the following address:

10. Additional California Consumer Rights

The California Consumer Privacy Act ("CCPA") gives California residents certain rights to access and delete their Personal Information, and to opt out of the sale of their Personal Information.

a. Right to Know

You have the right to request that we provide you the categories and/or specific pieces of Personal Information we collected about you, the categories of sources from which it was collected, the business or commercial purpose for collection, and the categories of third parties with whom we shared your Personal Information.

b. Right to Deletion

You have the right to request that we delete any Personal Information we have collected about you, subject to legal exceptions.

c. Right to Opt Out

You have the right to direct us not to sell your Personal Information to third parties. You may exercise your Right to Opt Out by contacting us at the address above.

d. Non-Discrimination Notice

We will not discriminate against you for exercising your rights under the CCPA or this Privacy Policy.

e. California Site Ownership Disclosure

Under California Civil Code Section 1789.3, California residents are entitled to the following information: The provider of the Site is HomeTrust Insurance, 2810 N Church Street #507300, Wilmington, Delaware 19802.

11. Nevada Residents

Subject to certain exceptions, some of our data sharing practices may be considered a "sale" of your personal information under Nevada Revised Statutes 603A. Nevada residents may opt-out by contacting us at the address above.

12. Retention of Your Personal Data

We will retain your Personal Data only for as long as necessary for the purposes set out in this Privacy Policy and to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.