Privacy & Cookie Policy

Last updated: September 27, 2026

This Privacy & Cookie Policy explains what information InsuredAndMore.com (“we”, “us”, “our”), accessible at https://insuredandmore.com, and our advertising and analytics partners collect when you visit our website, why we collect it, how long it is kept, who it is shared with, and the choices and rights you have.

InsuredAndMore.com is a free, advertising-supported website with questions and answers about insurance. You do not need an account to use it, and we do not ask you to enter personal information to read our content.

1. Information we collect

Information collected automatically

When you visit our website, we and our advertising and analytics partners automatically collect the following information from your browser or device:

• IP address: the full, unmasked Internet Protocol (IP) address of your device.
• Device identifiers: cookie identifiers, advertising identifiers and similar online identifiers, as well as technical information about your device and browser (such as device type, operating system, browser type and version, screen size and language settings).
• Location data: your approximate location (such as country, region or city) and, where you have given consent, your precise location (such as latitude/longitude or postal/zip code level), which our partners may derive from your IP address.
• Usage data: the pages you visit, the website that referred you to us, the date and time of your visit, how you interact with our pages, and which advertisements are shown to you and whether you click on them.
• Log data: our web server records every request in log files, including your IP address, browser type, the requested page, the referring page, and the date and time of the request.

Information you provide to us

If you email us, we receive your email address, your name (if you include it) and the content of your message.

2. How and why we use your information

We and our partners use the information described above for the following purposes:

• Serving advertisements: to deliver ads on our website and make sure they display correctly on your device. Advertising is how we keep this website free.
• Personalized (interest-based) advertising: to show you ads that are more relevant to you. Personalized advertising means that ads are selected based on a profile of your likely interests, which is built from your activity on this and other websites and apps over time. If you do not consent to personalized advertising, you may still see non-personalized ads, which are based on the content of the page and your approximate location.
• Precise geolocation: where you have given consent, to show you relevant local content and advertisements.
• Ad measurement, frequency capping and attribution: to limit how often you see the same advertisement, to measure how ads perform, and to determine whether an ad led to a specific action.
• Fraud detection and security: to identify and prevent invalid traffic (IVT) and fraud, such as bots, click farms and other non-human or fraudulent activity, to protect our website and advertisers, and to debug errors.
• Analytics: to understand how visitors use our website, for example which pages are visited, how visitors find us, and how long they stay, so we can improve our content and the website.
• Operating and improving the website: to run, maintain and secure our website, and to test different page and advertising layouts (A/B testing).
• Communicating with you: to read and reply to your emails, for example about questions or copyright complaints.
• Legal compliance: to comply with legal obligations and to establish, exercise or defend legal claims.

3. Legal bases for processing (EEA, UK and Switzerland)

If you are located in the European Economic Area (EEA), the United Kingdom or Switzerland, we rely on the following legal bases under the General Data Protection Regulation (GDPR) and similar laws:

• Consent: for storing and reading cookies and similar technologies that are not strictly necessary, for personalized advertising, for precise geolocation (IAB TCF Feature 3) and for analytics. We ask for your consent through our consent management platform (the cookie/privacy banner). You can withdraw your consent at any time (see section 9).
• Legitimate interests: for security, fraud detection and debugging (IAB TCF Special Purpose 2), for delivering advertising and content to your device, and for operating and improving our website.
• Legal obligation: where we must process information to comply with the law.

4. Cookies and similar technologies

Cookies are small text files that a website stores in your browser. We and our partners also use similar technologies, such as local storage, pixels (web beacons) and scripts. We use them for the following purposes:

You can manage your choices through our consent banner and the “Privacy Settings” option on our website (see section 9). You can also block or delete cookies in your browser settings; see your browser's help pages for instructions. Blocking all cookies may affect how the website works and may mean you still see ads, but they will be less relevant to you.

5. Third-party advertising

We work with third-party advertising companies to show ads on our website. Depending on the page layout you see, these include:

• Google (Google AdSense and Google Ad Manager), including Google's DoubleClick cookie.
• MonetizeMore, our advertising partner that manages ads on our behalf through Google Ad Manager and its bidding partners.
• Refinery89 and its advertising partners.

These companies, together with the advertising technology providers they work with, including ad exchanges, supply-side platforms (SSPs) and demand-side platforms (DSPs), use cookies, device identifiers, pixels and scripts to deliver and personalize ads, measure their performance and detect fraud. When our pages load, an automated auction (real-time bidding) takes place in which information about your visit, including your full IP address, device identifiers and approximate location, is shared in real time with these authorized vendors so they can decide which ad to show. They may also combine this information with information they have collected on other websites and apps.

These vendors may only use your information for the purposes described in this policy and in our consent management platform. You can view the full list of advertising vendors, their purposes and their privacy policies, and change your choices per vendor, via the “Privacy Settings” option on our website.

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this and other websites. To learn how Google uses information, please read How Google uses information from sites or apps that use our services and Google's advertising policy.

Our advertising partners have their own privacy policies, which apply to their processing of your information:

• Google: https://policies.google.com/privacy
• MonetizeMore: https://www.monetizemore.com/privacy-policy/
• Refinery89: https://www.refinery89.com/privacy-policy/

6. Analytics

We use Google Analytics 4 to understand how visitors use our website. Google Analytics uses cookies and collects information such as your IP address (which Google Analytics does not store), device and browser information, approximate location, and the pages you visit. We use this information only in aggregate to improve our website. You can prevent Google Analytics from collecting your data by withdrawing consent in our Privacy Settings or by installing the Google Analytics Opt-out Browser Add-on.

7. How we share your information

We share information only as described in this policy:

• Advertising partners and ad technology providers (including ad exchanges, SSPs and DSPs), as described in section 5.
• Analytics providers (Google Analytics), as described in section 6.
• Service providers that host and operate our website on our behalf.
• Authorities and others where required by law, or to protect our rights, our users or the public.

Under some US state privacy laws, sharing information with advertising partners for targeted advertising may be considered a “sale” or “sharing” of personal information. See section 10 for how to opt out.

Some of our partners are located outside your country, including in the United States. Where information is transferred from the EEA, UK or Switzerland, the transfer is protected by appropriate safeguards, such as the European Commission's Standard Contractual Clauses or an adequacy decision.

8. How long we keep your information

We keep information only as long as needed for the purposes described in this policy:

We may keep information longer if the law requires it or if it is needed to establish, exercise or defend legal claims.

9. Your choices and how to opt out

• Privacy Settings: you can give, change or withdraw your consent at any time via the “Privacy Settings” or “Cookie Settings” option on our website. This includes consent for personalized advertising and precise geolocation. Withdrawing consent does not affect processing that took place before.
• Google ad personalization: you can turn off personalized ads from Google in My Ad Center (Google Ads Settings).
• Industry opt-out tools: you can opt out of interest-based advertising by participating companies via aboutads.info (US), the Network Advertising Initiative (US) and Your Online Choices (EU).
• Browser settings: you can block or delete cookies in your browser.

Opting out of personalized advertising does not mean you will no longer see ads; the ads you see will be less relevant to your interests.

10. Your privacy rights

EEA, UK and Switzerland

You have the right to access the personal data we hold about you, to have it corrected or deleted (“right to delete”), to restrict or object to its processing, to data portability, and to withdraw your consent at any time. You also have the right to lodge a complaint with your local data protection authority.

California and other US states

Depending on the state you live in, you may have the right to know what personal information we collect and how we use and share it, to access and delete it, to correct it, and to opt out of the “sale” or “sharing” of your personal information and of targeted advertising. You can opt out via the “Do Not Sell or Share My Personal Information” option on our website. You may also limit the use of your sensitive personal information, such as precise geolocation, via the “Limit the Use of My Sensitive Personal Information” option. We will not discriminate against you for exercising your rights.

How to exercise your rights

To exercise any of these rights, such as the right to access or delete your data, email us at insuredandmore [ @ ] gmail.com. We may need to verify your request before we respond, and we will respond within the time required by applicable law. Please note that we do not know your name or contact details unless you email us, and that much of the advertising data described in this policy is held by our advertising partners; you can also contact them directly using the links in section 5.

11. Children's privacy

Our website is not directed at children. We do not knowingly collect personal information from children under the age of 13, or under the age of 16 in the EEA and UK. If you believe that a child has provided us with personal information, please contact us and we will delete it.

12. Security

We use reasonable technical and organizational measures to protect information against loss, misuse and unauthorized access. No method of transmission over the internet is completely secure, however, so we cannot guarantee absolute security.

13. Changes to this policy

We may update this Privacy & Cookie Policy from time to time, for example when we work with new partners or when laws change. The date at the top of this page shows when it was last updated. We encourage you to review this page regularly.

14. Contact us

If you have questions about this policy or how we handle your information, email us at insuredandmore [ @ ] gmail.com.