Privacy Policy

What This Policy Covers

Blue Otter Auto ("we," "our," or "us") operates an auto insurance quote comparison service at blueotterauto.com. This Privacy Policy explains what data we collect when you use our site, who sees that data, and what control you have over it. We match quote requests with licensed insurance carriers and agents. We are not an insurance company and do not issue policies, set rates, or process claims.

Information We Collect

Information You Provide

When you submit a quote request through our site, you provide:

• Full name, email address, and phone number
• ZIP code and state
• Vehicle year, make, and model
• Whether you currently carry auto insurance

This information is transmitted to licensed insurance carriers and agents in our network so they can prepare quotes for you. We do not collect Social Security numbers, driver's license numbers, or banking information — if a carrier needs additional details to finalize a policy, they collect those from you directly under their own privacy policy.

Information Collected Automatically

When you visit blueotterauto.com, we collect:

• IP address (used for security, fraud prevention, and approximate region)
• Browser type and device information
• Pages visited and time on site
• Referral source (how you found us)

Our analytics are self-hosted and cookieless. Page views and form activity are counted on our own server; we do not use third-party advertising trackers or share browsing data with ad networks.

How We Use Your Information

We also use your information to:

• Route your request to partners who write policies in your ZIP code
• Prevent duplicate or fraudulent submissions
• Respond to support inquiries
• Measure site performance in aggregate
• Comply with applicable laws and regulations

Who Sees Your Data

Licensed Carriers and Agents

When you submit a quote request, your information is shared with the licensed insurance carriers and independent agents matched to your request. By submitting, you consent to this transfer — it is how the quotes reach you. Those partners use your data to prepare quotes and contact you about coverage, and their handling of your data after that point is governed by their own privacy policies.

Other Disclosures

• Legal process: If a court order, subpoena, or regulatory investigation requires it
• Fraud prevention: If we detect fraudulent submissions or attempted misuse of our service
• Service providers: Hosting and security vendors who process data on our behalf under contract

We do not sell your personal information to data brokers or unrelated marketing lists, and we do not share it with anyone outside the quote-matching process described above.

Data Security

All data transmission between your browser and our servers uses TLS encryption. Quote request data in transit to partners is encrypted. No system is perfectly secure, but we apply standard protections: encrypted storage, access controls, and monitoring for unauthorized access attempts.

Cookies

Our analytics do not use cookies. The site itself sets no tracking or advertising cookies. If you follow a link to a carrier or agent's website, their cookie practices are governed by their own policies.

Your Rights

All Users

• Access: Request a copy of the personal data we hold about you
• Correction: Ask us to fix inaccurate information
• Deletion: Request we delete your data (we'll comply unless legal requirements prevent it)

California Residents (CCPA)

Under the California Consumer Privacy Act, you can: know what personal information we've collected and who received it, request deletion, and opt out of any sale or sharing of personal information. We do not sell personal information, but you can still submit opt-out requests. We will not discriminate against you for exercising these rights.

Data Retention

Quote request data: deleted 90 days after submission unless you have an active inquiry or dispute. Analytics data: retained in aggregate (non-identifiable) form indefinitely. Support inquiries: retained for 1 year, then deleted.

Third-Party Sites

Once you are connected with a carrier or agent, you may interact with their website or systems directly. Their privacy practices are governed by their own policies. We are not responsible for how partners handle your data after the introduction is made — though every partner in our network is licensed and subject to state insurance regulation.

Policy Updates

If we change this policy in a way that affects how your data is used, we'll update the date at the top and post the revised version here. Material changes take effect 30 days after posting.

Contact

Questions about this policy or your data: