Privacy Policy

Cycle Journals (“we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit cyclejournals.com (the “Site”), submit forms, subscribe to emails, or interact with our insurance advisory services. Please read this policy carefully. By using the Site, you acknowledge the practices described here.

1. Scope

This policy applies to information collected through the Site and related electronic communications. It does not apply to third-party websites, mobile applications, or insurance carrier portals that you may access through links we provide. Those services have their own privacy statements.

If you are a policyholder whose coverage is underwritten by an insurer partner, that insurer may collect additional information under separate notices required by insurance regulation. We act as an intermediary and may share information with carriers to obtain quotes or service policies.

2. Information We Collect

2.1 Information You Provide

• Contact and identity: Name, email address, phone number, and message content when you use contact or quote forms.
• Insurance-related details: Coverage interests, household information, business type, and other data you choose to share for quoting purposes.
• Marketing preferences: Email address and consent choices for newsletters; unsubscribe requests.
• Communications: Records of correspondence with our advisors when connected to live systems.

2.2 Information Collected Automatically

When you browse the Site, we or our analytics providers may collect device and usage data such as IP address, browser type, operating system, referring URLs, pages viewed, and timestamps. We use cookies and similar technologies as described in Section 8.

2.3 Information from Third Parties

With your authorization, we may obtain motor vehicle records, property data, credit-based insurance scores where permitted, claims history, and medical information necessary for underwriting through insurers or consumer reporting agencies.

3. How We Use Information

We use personal information to:

• Respond to inquiries and provide quotes, coverage comparisons, and policy service;
• Facilitate applications with insurer partners and manage renewals;
• Send transactional messages about your requests or policies;
• Deliver newsletters and educational content when you opt in;
• Improve Site performance, security, and user experience;
• Comply with legal, regulatory, and licensing obligations;
• Detect fraud, enforce our Terms, and protect rights and safety.

We do not sell your personal information for monetary consideration. We may share data as described in Section 5.

4. Legal Bases for Processing (Where Applicable)

Depending on your location, we process personal information based on consent (for example, marketing emails), performance of a contract or steps prior to entering a contract (quotes and policy placement), legitimate interests (Site security and analytics balanced against your rights), and legal obligations (recordkeeping and regulatory reporting).

5. How We Share Information

We may disclose personal information to:

• Insurance carriers and underwriters to bind and service policies;
• Service providers who assist with hosting, email delivery, analytics, document management, and customer support under contractual confidentiality obligations;
• Professional advisors such as auditors and attorneys when necessary;
• Regulators and law enforcement when required by law, subpoena, or to protect rights and safety;
• Business transfers in connection with a merger, acquisition, or asset sale, subject to continued protection consistent with this policy.

We may share aggregated or de-identified information that cannot reasonably identify you.

6. Retention

We retain personal information as long as needed to fulfill the purposes described in this policy, including servicing policies, resolving disputes, and meeting legal retention requirements for insurance records. Marketing lists are updated when you unsubscribe. When data is no longer required, we secure delete or anonymize it consistent with our data retention schedule.

7. Security

We implement administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit where supported, access controls, and staff training. No method of transmission or storage is completely secure; we cannot guarantee absolute security. You are responsible for maintaining confidentiality of any credentials we may issue.

8. Cookies and Tracking

Cookies are small files stored on your device. We use essential cookies for Site functionality and may use analytics cookies to understand traffic patterns. You can control cookies through browser settings; disabling cookies may affect Site features. We do not respond to Do Not Track signals uniformly across browsers; we treat DNT as a preference signal where legally required.

9. Your Choices and Rights

Depending on applicable law, you may have rights to access, correct, delete, or restrict processing of your personal information; to data portability; and to object to certain processing including direct marketing. You may exercise marketing opt-out through Unsubscribe or email preference links. To submit a privacy request, use our Contact Us form and describe your request. We may verify identity before responding.

We will not discriminate against you for exercising privacy rights. If we deny a request, we will explain the reason where permitted.

10. Children's Privacy

The Site is not directed to children under thirteen (13), and we do not knowingly collect personal information from children. If you believe a child has provided information, contact us so we can delete it.

11. Sensitive Information

Insurance processes may involve sensitive categories such as health or financial data. We collect such information only when relevant to quoting or servicing coverage and share it with carriers and service providers under strict confidentiality and regulatory frameworks including HIPAA-aligned practices where applicable for health-related data handled by business associates.

12. International Visitors

If you access the Site from outside our primary operating region, your information may be processed in locations with different data protection laws. By using the Site, you consent to transfer and processing as described here and in applicable agreements with insurers.

13. Third-Party Social Sharing Links

Footer social sharing links open third-party platforms. Those platforms may collect data about your visit under their policies. We do not control their practices.

14. Changes to This Policy

We may update this Privacy Policy periodically. The “Last updated” date reflects the latest revision. Material changes will be posted on the Site; continued use after changes constitutes acknowledgment unless further consent is required by law.

15. Contact Us About Privacy

For privacy questions, requests, or complaints, please contact us through the Contact Us form on the Site. We will respond within a reasonable timeframe consistent with applicable law. If you are dissatisfied with our response, you may have the right to lodge a complaint with a supervisory authority in your jurisdiction.

16. Supplemental Notice for Insurance Transactions

When you apply for coverage, insurers may provide a separate privacy notice describing their practices as data controllers. Cycle Journals may act as a licensed producer or agency receiving compensation from insurers. We maintain records of disclosures required by state and federal insurance privacy regulations, including sharing for underwriting, claims, and fraud prevention with your authorization or as permitted by law.

Nonpublic personal financial information collected in connection with insurance transactions is handled in accordance with applicable Gramm-Leach-Bliley safeguards when we act as a financial institution partner or their designated agent.

17. California and Other State Privacy Rights

Residents of certain states may have additional rights to know categories of personal information collected, sources, business purposes, and categories of third parties; to delete personal information subject to exceptions; and to opt out of sales or sharing as defined by state law. Cycle Journals does not sell personal information for cross-context behavioral advertising. To submit a verifiable request, use the Contact form and specify your state of residence. Authorized agents may submit requests with proof of authority.