Privacy Policy

Last updated: May 2026

Penny Pincher (“we,” “us,” or “our”) respects your privacy. This Privacy Policy explains what information we collect when you use our website, how we use it, who we share it with, and the choices you have. By using the site, you agree to the practices described here.

1. Information we collect

Information you give us

When you click an offer, request a quote, or submit a form, we may collect your name, email address, phone number, ZIP code, date of birth, gender, tobacco use, requested coverage amount, and similar information needed to match you with insurance partners. You provide this information voluntarily.

Information collected automatically

• Device and browser information (user agent, screen size, language)
• IP address and approximate location
• Pages viewed, links clicked, time on page, and referring URL
• Click-through tokens (“ctk”) that identify the campaign that referred you
• Cookies and similar technologies for analytics and to prevent fraud

Information from partners

If you arrive at Penny Pincher via an SMS, email, or ad campaign we operate, the originating campaign may pass us identifiers tied to a prior interaction (for example, your first name or ZIP code) so we can personalize the page you see.

2. How we use your information

• To match you with relevant life-insurance partners and pre-fill applications
• To operate, maintain, and improve the website
• To measure the performance of marketing campaigns
• To detect and prevent fraud, abuse, and security incidents
• To comply with our legal obligations

3. How we share your information

We share information only as needed to deliver the service you requested:

• Insurance partners. When you click an offer, we transmit the inputs you provided to the matched carrier or marketplace so they can return a quote. Each partner has its own privacy policy that governs its handling of your information once received.
• Service providers. Hosting, analytics, anti-fraud, email, and SMS providers that process information on our behalf under written contracts.
• Legal and safety. We may disclose information when required by law, subpoena, or court order, or to protect the rights, property, or safety of Penny Pincher, our users, or others.
• Business transfers. If we are involved in a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction.

We do not sell personal information to third parties for their independent marketing.

4. Cookies and tracking

We use first-party cookies and similar technologies to remember preferences, measure traffic, and detect fraudulent activity. You can clear or block cookies through your browser settings; some features of the site may not work without them.

5. Your choices

• Access and correction. You can request a copy of the information we hold about you, or ask us to correct inaccuracies, by emailing the address below.
• Deletion. You can request that we delete the information we hold about you, subject to legal retention requirements.
• Marketing communications. If you receive marketing email or SMS from us, you can opt out using the unsubscribe link or by replying STOP.
• California residents have additional rights under the California Consumer Privacy Act, including the right to know, the right to delete, and the right to opt out of sharing for cross-context behavioral advertising. To exercise these rights, contact us using the information below.

6. Data retention

We retain your information for as long as needed to provide the service, satisfy any legal, accounting, or reporting requirements, or resolve disputes. Inactive contacts are reviewed periodically and purged when no longer required.

7. Security

We use industry-standard administrative, technical, and physical safeguards to protect the information we collect. No system is perfectly secure, however, and we cannot guarantee the security of information transmitted over the internet.

8. Children’s privacy

Penny Pincher is intended for adults aged 18 and older. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided information to us, please contact us so we can delete it.

9. Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page reflects the most recent revision. Material changes will be communicated through a prominent notice on the website.

10. Contact us

For privacy questions or to exercise your rights, email privacy@pennypincher.example.