Privacy Policy

1. Who We Are

Quorrio is an independent insurance comparison marketplace. We are not an insurance company, insurance agent, or insurance broker. We do not underwrite, issue, or sell insurance policies. We help consumers compare estimated quotes from third-party insurance carriers and direct users to those carriers to complete a purchase.

2. Information We Collect

We collect information you provide directly when requesting a quote:

• Identity & Contact: First name, last name, email address, phone number.
• Vehicle: Vehicle type, year, make, model, and VIN (if provided).
• Driver Profile: Date of birth, ZIP code, driving violation history, homeownership status, and driver's license number and issuing state (if provided).
• Coverage Preferences: Coverage level, current insurer.

We also automatically collect:

• Log Data: IP address, browser type, pages visited, referring URL, date/time of visit.
• Device Data: Operating system, screen resolution, device identifiers.
• Cookies & Similar Technologies: See Section 9.

3. How We Use Your Information

We use the information we collect to:

• Generate and display insurance quote comparisons;
• Transmit your profile to participating carriers so they can produce quotes (see Section 4);
• Communicate with you about your quote request, including follow-up emails about results;
• Operate, maintain, and improve the Site;
• Detect and prevent fraud, abuse, or illegal activity;
• Comply with applicable law and respond to legal process;
• Enforce our Terms of Service and other agreements.

We do not use your information for targeted advertising on third-party platforms and we do not sell your personal information to data brokers or marketing companies.

4. How We Share Your Information

Insurance Carriers. When you submit a quote request, we share the profile data you provide with one or more participating insurance carriers or their technology partners for the purpose of generating an insurance quote. By submitting your information you consent to this disclosure. Each carrier's own privacy policy governs how they use information we share with them.

Service Providers. We share information with vendors who help us operate the Site (cloud hosting, analytics, email delivery). These vendors are contractually prohibited from using your data for any purpose other than providing services to us.

Legal & Safety. We may disclose information when required by law, subpoena, or court order; to protect the rights, property, or safety of Quorrio, our users, or others; or in connection with fraud prevention and investigation.

Business Transfers. If Quorrio is acquired, merged, or sold, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on the Site before your information is transferred and becomes subject to a different privacy policy.

We do not sell, rent, or share your personal information with third parties for their own marketing purposes.

5. Data Retention

We retain your quote request data for 24 months from the date of submission, after which it is deleted or irreversibly anonymized. We may retain certain information longer if required by law or for legitimate business purposes such as dispute resolution. Log data is retained for up to 12 months.

6. Your Rights & Choices

Depending on where you live, you may have the following rights with respect to your personal information:

• Access / Know: Request a copy of the personal information we hold about you and information about how we collect, use, and share it.
• Correction: Ask us to correct inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal exceptions (e.g., fraud prevention, legal compliance).
• Portability: Receive your data in a structured, machine-readable format.
• Opt-Out of Communications: Unsubscribe from marketing emails at any time using the link in any email we send. You will still receive transactional messages related to your quote requests.

We will respond to verifiable requests within 45 days (extendable by an additional 45 days with notice). We will not discriminate against you for exercising your privacy rights. To submit a request, email us at privacy@quorrio.com.

7. California Residents — CCPA/CPRA

This section supplements the general rights described above for California residents under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA/CPRA").

Categories of Personal Information Collected. In the preceding 12 months we have collected the following categories of personal information, as defined by the CCPA: (a) Identifiers (name, email, phone, IP address); (b) Personal information under Cal. Civ. Code § 1798.80 (name, address); (c) Internet or network activity (browsing data, pages visited); (d) Geolocation data (ZIP code, inferred state); (e) Inferences drawn from the above to create a profile about your insurance preferences.

Business Purposes for Collection. We collect the categories listed above for the following business purposes: providing the comparison service; sharing data with insurance carriers to generate quotes; fraud detection and security; analytics to improve the Site; and compliance with legal obligations.

Categories of Third Parties with Whom We Share Personal Information. We share personal information with: (a) participating insurance carriers and their technology partners (for quote generation); (b) cloud infrastructure and analytics service providers (under data processing agreements); (c) law enforcement or regulators as required by law.

Sale and Sharing of Personal Information. Quorrio does not sell personal information for monetary consideration. We do not share personal information with third parties for cross-context behavioral advertising. You have the right to opt out of any sale or sharing, although there is currently nothing to opt out of. If our practices change, we will update this policy and provide an opt-out mechanism.

Sensitive Personal Information. We collect certain information that may constitute sensitive personal information under CPRA (specifically, driver's license number, if provided). We collect this information solely for the purpose of obtaining insurance quotes and do not use it for any other purpose. You may limit the use of sensitive personal information by contacting us at privacy@quorrio.com.

Your CCPA/CPRA Rights. California residents have the right to: (1) know what personal information is collected; (2) know whether personal information is sold or disclosed and to whom; (3) opt out of the sale or sharing of personal information; (4) access personal information; (5) request deletion; (6) correct inaccurate personal information; (7) limit the use of sensitive personal information; and (8) non-discrimination for exercising any of the above rights.

To exercise your CCPA/CPRA rights, email privacy@quorrio.com with "California Privacy Request" in the subject line. We will verify your identity before processing the request.

8. Virginia, Colorado & Connecticut Residents

Virginia (VCDPA). Virginia residents have the right to access, correct, delete, and obtain a copy of their personal data; to opt out of the processing of personal data for targeted advertising, the sale of personal data, and profiling in furtherance of decisions that produce legal or similarly significant effects. Quorrio does not engage in targeted advertising, sell personal data, or engage in such profiling. To submit a request, contact privacy@quorrio.com. If we deny your request, you may appeal by responding to our denial email. If your appeal is denied, you may contact the Virginia Attorney General at oag.state.va.us.

Colorado (CPA). Colorado residents have the right to access, correct, delete, and obtain a copy of their personal data; to opt out of targeted advertising, sale of personal data, and profiling for significant decisions. Quorrio does not engage in targeted advertising, sell personal data, or engage in such profiling. To submit a request, contact privacy@quorrio.com. You may appeal a denied request by emailing us with "Colorado Privacy Appeal" in the subject. If the appeal is denied, you may contact the Colorado Attorney General at coag.gov.

Connecticut (CTDPA). Connecticut residents have the right to access, correct, delete, and obtain a copy of their personal data; to opt out of targeted advertising, sale of personal data, and profiling for decisions with significant effects. Quorrio does not engage in targeted advertising, sell personal data, or engage in such profiling. To submit a request, contact privacy@quorrio.com. You may appeal a denied request by emailing us with "Connecticut Privacy Appeal" in the subject. If the appeal is denied, you may contact the Connecticut Attorney General at portal.ct.gov/AG.

9. Cookies & Tracking Technologies

We use cookies and similar technologies to operate the Site, remember your preferences, and analyze Site traffic. We use:

• Strictly Necessary Cookies: Required for the Site to function. Cannot be disabled.
• Analytics Cookies: Help us understand how visitors use the Site (e.g., Google Analytics). Data is aggregated and anonymized to the extent possible.

You can control cookies through your browser settings. Disabling cookies may affect Site functionality. We do not respond to browser "Do Not Track" signals at this time.

10. Data Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These include encryption in transit (TLS), access controls, and secure cloud infrastructure. However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security and you use the Site at your own risk.

In the event of a data breach that is reasonably likely to result in harm, we will notify affected users and relevant authorities as required by applicable law.

11. Children's Privacy

The Site is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us at privacy@quorrio.com and we will delete it.

12. Third-Party Links

The Site may contain links to third-party websites, including insurance carrier websites. This Privacy Policy does not apply to those sites. We are not responsible for the privacy practices of any third party. We encourage you to review the privacy policies of any third-party sites you visit.

13. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the updated policy on the Site with a new effective date. Your continued use of the Site after any changes constitutes acceptance of the updated policy. If you disagree with any changes, stop using the Site and contact us to request deletion of your data.

14. Contact Us

For questions, concerns, or to exercise your rights under this Privacy Policy, contact us at: