Privacy Policy

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Effective Date: June 2026

This Privacy Policy, which is incorporated into our Terms of Service, outlines the privacy practices of CarShield (“Company,” “us,” “we,” or “our”) in connection with your (“you” or “your”) access to or use of carshield.com website (the “Site”), our mobile Apps (“Apps”), and products and services (collectively, the “Service” or “Services”). By accessing or using our Service, you acknowledge that you have read, understood, and agree to be bound by our terms, including this Privacy Policy.

Your Acceptance of this Privacy Policy

This Privacy Policy outlines how we collect, use, and disclose information of users, both online and offline. This Privacy Policy is subject to the Terms of Use posted on the Site.

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by our terms, including this Privacy Policy. By using the Services, including, without limitation, subscribing to services and/or continuing to receive information from the Company, you signify your acceptance of this Privacy Policy, and you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. However, for cookies, pixels, web beacons, tags, software development kits (SDKs), and other tracking technologies that are not strictly necessary to operate the Site, we rely on the opt-in consent you provide through our cookie-consent tool, and we do not deploy those technologies or transmit information collected through them to the advertising and analytics partners identified below until you have provided that consent. By clicking “Accept” or by enabling a category of tracking technologies in our consent tool, you expressly consent to the collection, use, and sharing of your information as described in this Policy, including its collection and transmission by technologies, and you consent to that activity, including but not limited to, for purposes of California Penal Code sections 638.50 through 638.51.

Certain activities, such as recording or monitoring of live chat and audio interactions, targeted advertising, sales/sharing of personal information (as defined by US consumer privacy law), and processing of sensitive or biometric information, require specific notices and/or your consent or a right to opt out. We provide just-in-time notices and controls for those activities as described below.

Information We Collect

We collect personal information directly from you at various points during your purchase and use of the Services, for example (this list is non-exhaustive):

• • When you visit our Site;
• • When you install or use the Apps;
• • When you fill out a form on the Site or Apps;
• • When you click a link on an advertisement for the Service;
• • When you communicate with us, such as by speaking to one of our customer service agents;
• • When you participate in a survey or contest;
• • When you post reviews or comments on the Site, Apps or our social media channels;
• • When you apply for a job with our Company

We primarily collect personal information for our business purposes, namely, to provide and improve our products, services, Site and Apps. Personal information is defined as "information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household." Examples of categories of personal information we may collect are identifiers such as:

• • name, address, telephone number, email address, account name, billing information, or other similar identifiers;
• • Internet or other electronic network activity information, including, but not limited to: browsing history and information regarding a consumer's interaction with a website, application, or advertisement;
• • Commercial information, including products or services purchased;
• • Biometric information;
• • Characteristics of protected classifications under California or federal law;
• • Geolocation data;
• • Audio, electronic, visual, thermal, olfactory, or similar information;
• • Professional or employment-related information;
• • Education information;
• • credit card and debit card information in connection with any purchase you make on or through the Site.

This list is non-exhaustive and does not mean that all examples of personal information were collected.

The decision to provide this information is optional; however, if you decide not to register or provide such information, you may not be able to use certain features of the Site, Apps or other services.

When you visit or interact with the Site, certain information is also collected automatically through the tracking technologies described below, including your Internet Protocol (IP) address, device and browser type and settings, unique device, cookie, and advertising identifiers, the pages and content you view, referring and exit URLs, the dates and times of your visits, your general geographic location inferred from your IP address, and your interactions with the Site. This information includes “routing, addressing, or signaling information” associated with your device’s communications with the Site and with the advertising and analytics partners identified below.

Cookies, Web Beacons, and Other Tracking Technologies

We may also collect personal information and non-personal information from users via “cookies” (small text files placed by us on user computers), single-pixel GIF image files (also called “Web beacons”), Web server log analysis and other similar technologies. We and our advertising and analytics partners use these technologies (collectively, “Tracking Technologies”), some of which may function as “pen registers” or “trap and trace devices” as those terms are used in California Penal Code section 638.50 and analogous other laws, to collect the information described above and to transmit it to the partners identified in the “Advertising and Analytics Partners” section. We obtain your opt-in consent through our consent tool before deploying any Tracking Technology that is not strictly necessary, and we do not transmit your information to those partners until you consent. Strictly necessary technologies—such as those used for site security, fraud prevention, load balancing, and to remember your consent choices—operate without consent as permitted by law. You may withdraw your consent at any time through “Your Privacy Choices.” Such information may be used to track usage trends and enhance the user experience, and may be shared with third parties. To the extent third parties may place advertising on the Site, such third parties may utilize cookies or other tracking technologies. We use cookies pixels, SDKs, session-replay tools, and chat widgets for analytics, security, personalization, and advertising. Such information may be used to track usage trends and enhance the user experience, and may be shared with third parties. Where required, we honor browser-based opt-out mechanism. Please click Please click here for more information and to opt out. You can also manage preference via the Do Not Sell or Share My Personal Information link.

Some analytics and chat tools may capture interaction details (e.g., keystrokes, clicks, chat content) to diagnose and improve support. We contractually restrict vendors to service-provider users. We require prior notice/consent here applicable (see “Live Communication” and “Your Privacy Rights”.

Our advertising and analytics partners process the information they receive for the purposes and on the terms described in the “Advertising and Analytics Partners” section and in their own privacy notices, to which we link. We are not responsible for the independent privacy practices of other websites to which the Site may link.

To the extent third parties may place advertising on the Site, such third parties may utilize cookies or other tracking technologies. We are not responsible for information collected by third parties in this manner, nor for the collection or use of information by other sites to which the Site is linked.

We do not currently respond to Do Not Track (“DNT”) signals or other similar signals. DNT is a feature that, when enabled, sends a signal to websites to request that your browsing not be tracked.

User Information

We primarily use personal information for our business purposes, namely, to provide and improve our products, services, Site and Apps. Part of this includes compliance with applicable laws, such as responding to legal requests, enforcing this Privacy Policy and our rights, and protecting others and our Service. We may also use information for short-term, transient use for an interaction with you and to personalize your experience and communications. We may use information for debugging for functionality, auditing interactions, and internal research. We also use information as instructed by you and with your consent.

We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose personal information and non-personal information about you to government or law enforcement officials or private parties when compelled by law or court order to do so or if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect the safety, property or rights of Company or of any third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.

In addition, we collect information for commercial purposes, meaning to market our goods and services. For example, we collect device and other data to better target advertisements and other content in an effort to create a more personally relevant experience.

We may use automated systems to route support requests, detect fraud, personalize content, and measure ad performance. Where required, you can opt out of profiling in furtherance of decisions that produce legal or similarly significant effects, and you may have ADMT-rights under US consumer privacy laws, including but not limited to California regulations. See “Your Privacy Rights”.

We retain personal information for the length of time necessary to fulfill the purposes outlined in this Privacy Policy, unless a different retention period is requested by you or required or permitted by law. For example, we will retain your personal information for as long as it is needed to provide you with the Service or fulfill a legal or contractual obligation. We may also aggregate, deidentify, or anonymize personal information as applicable for use in analytics, such as to analyze trends over periods of time without specifically identifying you.

We use the following criteria to determine how long we retain personal information: (a) our relationship with you, such as if there is an open contract or account or a pending transaction or request; (b) legal obligations to retain personal information for certain purposes, such as to maintain transaction records; and (c) other obligations or considerations relating to the retention of data, such as contract requirements, litigation holds, investigations, or statutes of limitation.

Sharing Information; Your Consent to Sharing

We may share your personal information and non-personal information with third parties for the purpose of allowing them to provide information about products and services that we think will be of interest to you.

By providing personal information on or through the Site, Apps, or in connection with services provided by the Company thereon or in connection therewith, you agree:

• • all information you have provided is true and correct to the best of your knowledge;
• • you are establishing a business relationship with Company; and
• • you are requesting and expressly consenting to be contacted via telephone, email, sms / text message, and/or mail by us and our partners and affiliates, regardless of whether your telephone number is on any Do Not Call list(s)

From time to time, we may establish a business relationship with other businesses whom we believe trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers") under written contracts. For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, customer relationship management, data storage and management, direct marketing campaigns, analytics, live chat/audio and speech-to-text. We provide our Service Providers with only the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices, appropriate to the nature of the information involved, in order to protect your Personal Information from unauthorized access, use or disclosure.

Sharing with our Advertising and Analytics Partners

We may work with third-party marketing and advertising companies ("Ad Networks", also referred to in this Policy as our “Advertising and Analytics Partners”). These companies may collect and use information about your use of the Site or services to provide advertisements about goods and services that may be of interest to you. Advertisements may be shown via the Site, the services, or third-party sites. These companies may place or recognize a unique cookie on your computer or use other technologies such as Web beacons. Our Advertising and Analytics Partners include, by category: (i) analytics and site-performance providers, including Google Analytics and Microsoft Clarity (which provides heatmaps and session-replay analytics that record interactions such as mouse movements, clicks, scrolling, and form-field engagement); (ii) advertising, conversion-measurement, and remarketing partners, including Google (Google Ads, including its Enhanced Conversions feature), Microsoft Advertising (Bing), Meta Platforms, TikTok, Amazon Advertising, and AdRoll; (iii) marketing-attribution, lead- measurement, and customer-relationship providers, including HubSpot, Hyros, and call- and conversion-attribution vendors; (iv) television, connected-television, and streaming (CTV/OTT) advertising-measurement partners; and (v) ad-fraud-prevention providers. A complete and current list of the specific partners, the categories of information shared with each, and links to their privacy notices is maintained in our consent tool and available through “Your Privacy Choices.” When you submit a form on the Site, such as our online quote form, the information you provide, which may include your name, email address, telephone number, and ZIP code, may be shared in hashed or otherwise pseudonymized form with certain of these partners to measure and attribute advertising conversions, unless you decline the advertising category of Tracking Technologies or opt out as described below. Where permitted, we enable these partners’ restricted or limited data-use settings (for example, Meta Limited Data Use and Google Restricted Data Processing) and engage them as service providers or contractors under the CCPA; where a partner instead uses your information for cross-context behavioral advertising as a third party, you may opt out of that sharing through “Your Privacy Choices” or by transmitting a Global Privacy Control signal).

In this context, we may also “sell” or “share” (as those terms are defined under California and state consumer privacy laws) certain online identifiers for cross-context behavioral advertising unless you opt out via the “Do Not Share My Personal Information” link. These companies may collect and use information about your use of the Site, Apps or services in order to provide advertisements about goods and services that may be of interest to you. Advertisements may be shown via the Site, Apps, the services, or third-party sites or sent via direct mail. These companies may place or recognize a unique cookie on your computer or use other technologies such as Web beacons. We do not sell or share audio recordings or transcripts of audio recordings with any Ad Networks. Marketing calls or texts are only sent in compliance with the TCPA. Our Privacy Policy does not cover any use of information that an Ad Network may collect from you. It also does not cover any information that you may choose to provide to an Ad Network or to an advertiser whose goods or services are advertised through the Site. For more information about ad cookies, and to "opt-out" of the collection of information by some companies that allow you to do so, please click here.

We may share personal information and non-personal information with businesses controlling, controlled by, or under common control with, Company. If Company is merged, acquired, or sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer personal information and non-personal information in connection with such transaction.

No Collection of Information from Children

The Site is not intended for users under the age of 18, nor do we knowingly collect, retain or share information in connection with the Site from children under the age of 18.

Safeguarding Your Information

We endeavor to take reasonable steps to safeguard and protect our users' information. We utilize electronic and physical security to reduce the risk of improper access to or manipulation of the information you submit during transmission and storage, but cannot and do not guarantee the security or integrity of the information. We shall have no liability for breaches of security or integrity or third-party interception in transit. Please be advised that any transmission of data at or through the Site is at your own risk.

External Links

The Site may contain links to other sites, or allow others to send you such links. A link to a third party's site does not mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party sites. You access such third-party sites or content at your own risk. You should always read the privacy policy of a third-party site before providing any information to the site.

Live Communications

Our Service includes live chat and may include live audio. We provide layered disclosures and obtain the level of consent required by federal and state law before monitoring, recording, transcribing, or sharing these communications with service providers.

• • What we collect. If you use chat or audio, we process your messages, recordings, transcripts (including AI speech-to-text), metadata (timestamps, IP/device), and support notes.
• • Why we collect it. Customer support quality, compliance, training, fraud/security, and (if you agree) analytics and model improvement.
• • Who receives it. Only our personnel and contacted service providers (e.g., chat platform, call recoding, speech-to-text/AI transcription). We prohibit them from using this data for their own marketing or “selling” it.

Artificial Intelligence (AI) and Machine Learning

We may use AI algorithms and machine learning technology to process your data in order to deliver our Service.

• • What we do. We use AI/ML for speech-to-text, natural language analytics on chats/transcripts, fraud/security, personalization, and support agent assistance.
• • Your controls. Where required by law, you can opt out of profiling in furtherance of decisions that produce legal or similarly significant effects (e.g., eligibility decisions).
• • Training and model improvements. We do not use audio/chats to train generalized models unless (i) we de-identify the data; or (ii) we obtain your consent where required (e.g., if training involves voiceprints or other biometric identifiers). If you prefer not to have your de-identified chats used for model improvement, you may opt out via your AI/Model Use Preferences within the app and disable to setting that allows data to be used for training or by click here.
• • Biometrics.If we ever create or store voiceprints (biometric identifiers) from your audio, or enable voice authentication, we will first provide the notices and obtain the consent required by appliable biometric laws and follow statutory retention and deletion schedules.

Your Privacy Rights Choices; Opt-Out and Opt- Out Preference Signals

You can review and change your choices about non-essential Tracking Technologies at any time, including granular opt-in and opt-out by category, through our “Your Privacy Choices” cookie- preferences tool, which is accessible from the footer of every page. We also honor opt-out preference signals, including the Global Privacy Control (GPC). When we detect a GPC signal sent from your browser or device, we treat it as a request to opt out of the sale and sharing of personal information associated with that browser or device, as required by California law. You may also exercise the following choices: You may opt out from having information about you shared with third parties (other than when required by law or court order or to process transactions to which you have consented), or from receiving future offers in connection with the Site, by following the instructions contained within each marketing communication or by emailing us at the address provided in the “Contact Us” section.

We value consumer privacy rights and strive to provide flexibility with how your personal data is used and shared. If you want to make a privacy request or have any questions, please contact us either click here or contact us at 1-800-587-4162 and provide us with your name and email address or other identifier used in connection with our Service so that we can verify your request. If an authorized agent is making a request on your behalf, the agent should provide its name and contact information, such as an email address, in addition to your information. Consumers may make a verifiable request twice within in a 12-month period.

There may be situations where we cannot grant your request; for example, if you make a request and we cannot verify your identity, or if you request deletion of data that we have a legal obligation to keep. Where we deny your request in whole or in part, we will take steps to inform you of the denial and provide an explanation of our actions and the reasons for the denial.

Access. You can access and obtain your data and ask us for certain information, including: the categories of personal information collected and used; the categories of the sources of data; the business or commercial purposes for collecting, selling, or sharing data; the categories of third parties to whom data is disclosed; and the specific pieces of personal information collected. You also have a similar right to data portability (the ability to export, back up, and transfer data).

Amend. You can amend, correct, or rectify your data if it is inaccurate.

Delete. You can have your data deleted subject to certain legal limitations.

Limit. You can limit the processing of your data, in particular any sensitive data, and limit use of automated decision making, such as profiling.

Opt-Out. You have the right to opt-out of certain data practices. For example, you can unsubscribe from marketing communications by following the opt-out instructions in each message or by click here (please note that we may still send non-marketing messages, and that consent to receiving marketing communications is not mandatory to use the Service). You may also opt out of the “sale” or “sharing” or your personal information to the extent applicable, either click here or contact us at 1-800-587-4162. Please see our Do Not Sell or Share My Personal Information click here.

Complaints. You have the right to make certain complaints, including for privacy concerns. We value your feedback and seek the opportunity to work with you on any issues. You have the right to no discrimination for asserting your privacy rights. If we deny your data subject request, you may appeal my emailing us at [email protected]. We will respond within 60 days with reasons and state-Attorney General contact information as required by law.

Other Laws. Several states have enacted privacy laws that may apply to you, depending on the circumstances. For example, the California Consumer Privacy Act (“CCPA”), updated by the California Privacy Rights Act (“CPRA”), governs certain California-related conduct. Under California’s “Shine the Light” law, California residents may also request certain information regarding Company sharing personal information with third parties for their direct marketing purposes. Further, if you are a California resident under the age of 18, California Business & Professions Code Section 22581 permits you to request and obtain removal of content you have publicly posted. Please note that such a request does not ensure complete or comprehensive removal of public content. If certain other privacy laws apply to you that provide you with additional rights, please contact us to make a request, either click here or contact us at 1-800-587-4162, as we strive to comply with all privacy rights.

California Privacy Rights — Notice at Collection and Your Right to Opt Out

Notice at Collection At or before the point at which we collect your personal information—including on our online quote form—we provide a Notice at Collection that identifies the categories of personal information we collect, the purposes for which we use it, whether that information is sold or shared, and the applicable retention periods, together with a link to this Policy. To exercise your right to opt out of the sale or sharing of your personal information, use the “Do Not Sell or Share My Personal Information” and “Your Privacy Choices” links in the footer of every page, or transmit a Global Privacy Control signal, which we honor as described above. We do not use or disclose sensitive personal information except as permitted by the CCPA.

Consent to Tracking Technologies; Withdrawal

To the extent any Tracking Technology used on the Site is deemed a “pen register,” “trap and trace device,” or analogous technology under California Penal Code sections 638.50 through 638.51 or any similar law, you consent to its use and to the collection and transmission of the associated routing, addressing, and signaling information when you accept non-essential Tracking Technologies through our consent tool. This consent is given only after the disclosures in this Policy and in our consent banner are presented to you, and before any non-essential Tracking Technology is deployed. You may withdraw your consent at any time through “Your Privacy Choices,” after which we will cease deploying non-essential Tracking Technologies on your browser or device. Strictly necessary technologies are not subject to this consent and operate as permitted by law.

Your Shine the Light California Rights (CA Civil Code § 1798.83)

Residents of California who use the Website primarily for personal, family or household purposes may request a list of third parties to which certain personal information (as defined by applicable California law) obtained through the Website was disclosed by us during the preceding year for those third parties’ direct marketing purposes. If you are a California resident and want such a list, please Contact Us via email at [email protected]. For such requests, you must put the statement “Your California Privacy Rights” in the body of your request, as well as your name, street address, city, state, and zip code. In your request, you need to attest to the fact that you are a California resident and provide a current California address for our response. Please note that we will not accept requests via the telephone or by facsimile, and we are not responsible for notices that are not labeled or sent properly, or that do not have complete information.

Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, you may write to us at:

CarShield
Attn: Customer Service
503 Pearl Dr.
Saint Peters, MO 63376

You can also email us at [email protected] or use the contact form on our site. Please provide complete information to facilitate your request, as well as your complete contact information.

Privacy Policy Changes

From time to time, we may change this Privacy Policy. If we decide to change this Privacy Policy, we will inform you by posting the revised Privacy Policy on the Site. Those changes will go into effect on the revision date shown in the revised Privacy Policy. Your continued use of our Site or services constitutes your consent to be bound by the revised Privacy Policy.