Privacy Policy & Cookie Disclosure

1. Overview & Privacy-First Architecture

At Car Insurance Cost Calculator ("we," "us," or "our"), operating the website https://carinsurancecostcalculator.com and the Android mobile application Car Insurance Cost Calculator (Google Play Package ID: com.carinsurancecostcalculator.app), we are committed to protecting consumer privacy. Unlike commercial insurance lead generators, our calculators are engineered to estimate auto insurance costs without collecting personally identifiable financial or underwriting information.

• We do not request, collect, or store your full name, street address, telephone number, Social Security Number (SSN), driver's license number, or Vehicle Identification Number (VIN) to use our calculators.
• All calculator selections (such as state, age bracket, vehicle category, coverage tier, and deductible) are processed ephemerally to return mathematical estimates and are never sold or shared with insurance brokers or telemarketers.

2. Google AdSense & DoubleClick DART Cookie Disclosure

To support the free publication of our actuarial tools and consumer guides, we may display advertisements served by Google AdSense and certified third-party ad networks:

• Third-Party Vendors, including Google: Third-party vendors, including Google, use cookies (such as the Google DoubleClick DART cookie and mobile advertising identifiers) to serve ads based on a user's prior visits to this website or other websites on the internet.
• How Advertising Cookies Work: Google's use of advertising cookies enables it and its partners to serve advertisements to our users based on their visit to carinsurancecostcalculator.com and/or other sites on the Internet.
• How to Opt Out of Personalized Advertising: Users may opt out of personalized advertising at any time by visiting Google Ads Settings (https://policies.google.com/technologies/ads). Alternatively, you can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info or the Network Advertising Initiative opt-out portal.

3. Log Files, LocalStorage & Essential Technical Data

Like all standard web servers hosted on Google Cloud infrastructure, our server automatically records standard, non-identifying HTTP request log data (including anonymized IP address, browser user-agent string, referring page, and timestamp) strictly for security, DDoS mitigation, and aggregate performance monitoring.

We also use browser localStorage (specifically the key cicc_theme) solely to remember whether you prefer Light Mode or Dark Mode across page views.

4. Google Play Store Data Safety Disclosure for Android App (com.carinsurancecostcalculator.app)

This section explicitly governs the official Android application Car Insurance Cost Calculator (Package ID: com.carinsurancecostcalculator.app):

• Personal Data Collection: The Android application does not require user account registration, login credentials, contacts access, camera access, microphone access, or precise GPS location permissions.
• Local Calculation Storage: When you save a vehicle comparison profile or deductible scenario inside the Android app, that data is stored locally inside the app's private sandboxed storage on your device. You can erase all saved profiles at any time inside the app or by clearing app storage in Android Settings.
• Mobile SDKs & Crash Diagnostics: If the Android application integrates Google AdMob (verified via /app-ads.txt) or Google Play Services for crash reporting and ad delivery, those services may use the Android Advertising ID in accordance with your device's Google Play privacy controls. Users can reset or delete their Advertising ID at any time under Android Settings → Privacy → Ads.

5. GDPR (EEA/UK) & CCPA/CPRA (California) Consumer Privacy Rights

Depending on your jurisdiction, including residents of the European Economic Area (GDPR) and California (CCPA/CPRA), you have the right to:

• Request disclosure of the categories of data collected about you.
• Request deletion of any personal information we hold (for instance, if you emailed our support desk).
• Opt out of personalized advertising cookies via the links in Section 2 above.
• Non-discrimination for exercising your statutory privacy rights.

We never sell personal information to third parties. To exercise any privacy right or inquire about our data practices, contact our Privacy Compliance Desk at privacy@carinsurancecostcalculator.com or review our Data Deletion Instructions.