Privacy policy

1. What we collect

When you visit the site, we collect standard web-server information: your IP address, browser user agent, referring URL, pages viewed, and timestamps. When you use one of our calculators, we collect the values you enter only while the calculator is open in your browser. None of those values are transmitted to our servers unless you explicitly submit a lead form.

When you submit a lead form (for example, to request insurance quotes), the information you provide is forwarded to the partner identified at the top of that form. That partner becomes an independent controller of your information and processes it under its own policy, which we link in plain sight.

2. Cookies and similar technologies

We use a small number of essential cookies required to run the site and, optionally, analytics and advertising cookies set by third parties. You can refuse non-essential cookies through the consent banner on your first visit and change your choice at any time via the banner link in the footer.

3. Analytics

We use privacy-respecting analytics to understand traffic patterns. If enabled, Google Analytics 4 receives an anonymized client identifier and basic event data. We do not sell that data and we do not share it with advertisers.

4. Advertising

RateOrchard displays advertisements served by Google AdSense and, when thresholds are reached, a full-service ad management network such as Mediavine or Raptive. These vendors may read or set cookies to personalize ads. You can opt out of personalized Google ads at adssettings.google.com and opt out of third-party cookies via aboutads.info/choices.

5. Children

The site is not directed to children under 13. We do not knowingly collect information from children under 13. If you believe a child has provided us with information, please contact us so we can delete it.

6. Your rights (US state privacy laws)

Depending on where you live, you may have the right to access, correct, or delete information we hold about you, and to opt out of targeted advertising. To exercise any of those rights, email [email protected] from the address associated with your activity. We will respond within the timeframe required by your state law.

7. Security

We use HTTPS for all page loads, rate-limit lead form submissions, and do not store form payloads beyond the request lifetime unless you explicitly create an account. No method of transmission over the internet is perfectly secure, but we take reasonable measures to protect the data you share.

8. Changes to this policy

If we materially change this policy, we will update the effective date at the top of the page and, when the change affects how your personal information is handled, post a banner on the homepage for at least 30 days.

9. Contact

Questions about this policy: [email protected].