Privacy Policy
Effective Date: October 17, 2026
1. Introduction
Insurance Panda is owned and operated by Top Leads LLC (“Insurance Panda,” “we,” “us,” or “our”). This Privacy Policy explains how information is handled when you use our website, Insurance Panda account features, insurance shopping tools, and mobile app. It describes information handled by Insurance Panda, information submitted to third-party insurance quote services, and your privacy choices.
This Privacy Policy should be read together with our Terms of Service. The mobile app stores some information on your device without creating an Insurance Panda account. Information submitted through a third-party insurance quote form is handled separately, as explained below. Please review the relevant partner disclosures before submitting a quote request.
Insurance Panda Mobile App (Version 2)
Information saved on your device
The Insurance Panda mobile app can remember your ZIP code and save a policy renewal date or shopping-reminder date, your selected reminder time, notification preferences, and related reminder status. If you upgrade from Version 1, the app can also retain previously saved insurance profile answers, such as insurance status, age range, vehicle type, driving record, coverage choice, and reported premium, so that you can review or delete them.
These app records are stored locally on your device. The mobile app does not require an Insurance Panda account or synchronize these records to an Insurance Panda server. Your device’s own backup and restore services may retain copies of local app data, depending on your settings. The ZIP code you use to request quotes is sent to the quote website as described below; the app does not send saved reminder information or legacy profile answers with that handoff.
Reminder notifications
You can save a reminder date without enabling notifications. If you enable notifications, the app requests permission where needed and asks your device’s operating system to schedule reminders locally. Insurance Panda does not send reminder emails or use a remote push service for these mobile reminders. Notification delivery, sound, and lock-screen display depend on your device settings. Tapping a reminder opens the app’s Renewal screen; it does not automatically open a quote website.
Opening the online quote form
When you tap Continue to quotes, the app opens www.insurancepanda.com/form.php in a browser view with the ZIP code you entered included in the web address. The website loads an embedded insurance quote form at quotes.insurancepanda.com and passes the ZIP code to that form. This happens whether or not you choose to remember your ZIP code in the app. Your saved reminders and legacy age, vehicle, driving-history, coverage, or premium information are not attached to the app’s quote handoff.
The website and quote service necessarily receive web requests and process technical network and browser information. URLs containing ZIP codes may appear in browser history or records kept by systems outside Insurance Panda’s control. Insurance Panda does not retain individual visitors’ ZIP codes, IP addresses, session identifiers, or referral identifiers in its own website hosting or reporting records for this app-to-quote handoff. This statement does not describe records kept by third-party quote providers, browsers, device backup services, or other third parties.
Third-Party Insurance Quote Providers
The embedded online auto-insurance quote form available through Insurance Panda is operated by a third-party insurance quote provider. That provider collects and retains personal information submitted through the form, which may include identifying and contact details, vehicle or driver information, and insurance preferences. Insurance Panda does not receive personal lead information submitted through this partner-operated form.
The operator of our embedded quote form may sell or share insurance leads and associated information with insurance companies, agents, advertising partners, data brokers, and other recipients for providing quotes, follow-up communications, marketing, advertising, and purposes beyond the original quote request. The information collected and the recipients vary by service. Review the privacy policy, terms, and consent disclosures linked in the applicable quote form before submitting information. Insurance providers and other recipients may have separate privacy policies and choices. A request to one organization does not necessarily reach every recipient.
Advertising, analytics, and web technologies
The native Insurance Panda app does not include advertising or analytics software development kits (SDKs). However, the Insurance Panda website, embedded quote forms, and other websites opened from the app may use cookies, analytics, advertising technologies, and identifiers. Third-party quote providers and their partners may use or share information for marketing, advertising, and data-broker purposes. The absence of native advertising SDKs does not mean the online quote experience is free from advertising or tracking technologies.
Managing and deleting app information
You can update a remembered ZIP code in Profile. Turning off ZIP remembering stops future prefill but does not erase every saved record. To remove saved quote information, open Profile → Settings and app information → Clear saved quote information and confirm. This clears your saved ZIP code and retained Version 1 quote-profile information but preserves Renewal information and its scheduled reminder.
To remove a renewal or shopping reminder, open Renewal → Remove reminder and follow the confirmation. To remove both saved quote information and Renewal information, open Profile → Settings and app information → Clear all app data and confirm. This also cancels scheduled reminders. If any part fails, the app displays information about what still needs attention.
These controls affect data stored by the app on the device where you use them. They do not remove past device backups, browser cookies, previously submitted quote requests, or records kept by Insurance Panda’s website, third-party quote providers, insurance providers, or other parties. See our App Data Deletion page for detailed instructions.
Privacy requests for online information
For information held by Insurance Panda, contact office@insurancepanda.com or use our Contact Us page. For information submitted directly through a partner-operated quote form, follow the access, deletion, and other privacy-choice instructions linked in that form or described on our App Data Deletion page. For information held by an insurance provider or another recipient, contact that organization. Deleting local app data, requesting deletion of partner records, managing browser cookies, and opting out of marketing communications are separate actions and may be subject to legal retention or verification requirements.
2. Personal Information We Collect
When you use our website, create an Insurance Panda website account, or use account tools such as quote profiles, renewal reminders, vehicle details, or quote history, Insurance Panda may collect information that you provide directly to us. When you use a third-party quote form, the partner may collect the information directly instead. The separate mobile app’s local profile and reminder records are described in the mobile-app section above.
Depending on which features you use, this may include:
- Contact and account details, such as your name, email address, username, password, and account login information
- Quote profile details, such as ZIP code, state, current insurer, current monthly premium, and coverage preferences
- Policy renewal reminder details, such as policy type, insurer name, renewal date, and reminder timing preferences
- Vehicle details you choose to save, such as vehicle year, make, model, ownership status, vehicle use, and estimated annual mileage
- Quote history and quote note details, such as insurance type, ZIP code, coverage level, estimated price range, quote notes, and the date or time you started or saved a quote-related entry
- Contact details submitted through forms, such as name, email address, mailing address, or phone number
- Basic personal details submitted through quote-related forms, such as date of birth, driver or household details, property details, vehicle details, and desired coverage
Insurance Panda account dashboard: The Insurance Panda account dashboard is designed to help users organize basic insurance shopping details, renewal reminders, vehicle information, and quote history notes. Insurance Panda does not require your Social Security number, driver’s license number, or VIN to use these account dashboard tools.
Quote partners: Depending on the service you choose, information may be submitted to Insurance Panda or collected directly by a third-party quote provider. Our embedded auto-insurance quote form is operated by a third-party provider that collects and handles the personal lead information submitted through the form. Insurance Panda does not receive those personal lead details.
Third-party quote forms and affiliate flows: Quote forms, quote buttons, and links may open or display third-party services, including embedded partner forms. The operator of our embedded auto-insurance quote form may retain and sell or share information with insurers, agents, advertising partners, data brokers, and others, including for marketing or advertising beyond the initial quote request. Other quote providers may follow different practices. Review the disclosures and privacy policy for the particular form before submitting information.
3. Non-Personal Information We Collect
Some website services, vendors, or browsers may process technical information automatically when pages are requested, such as IP addresses, device and browser information, operating system, referring URLs, pages viewed, links clicked, approximate location, and similar usage data. Such information may be considered personal information under certain laws, depending on how it is used or linked. As explained in the mobile-app section, Insurance Panda does not retain individual ZIP codes, IP addresses, session identifiers, or referral identifiers in its own website hosting or reporting records for the app-to-quote handoff. Third-party services may have their own logging and retention practices.
4. How We Use Information
We may use information we collect for purposes such as:
- Providing, operating, maintaining, and improving our website, account dashboard, and insurance shopping tools
- Creating and managing Insurance Panda accounts
- Saving quote profiles, vehicle details, renewal reminders, and quote history notes at your request
- Sending account-related messages, renewal reminder emails, confirmations, password reset emails, and other service-related notices
- Facilitating insurance quote requests and matching you with quote partners
- Responding to inquiries and providing customer support
- Sending marketing emails if you opt in, and honoring opt-out requests
- Measuring website performance, troubleshooting, testing features, and analyzing traffic and engagement
- Detecting, preventing, and addressing fraud, abuse, spam, unauthorized access, or security incidents
- Complying with legal obligations and enforcing our agreements
5. Cookies and Similar Technologies
We may use cookies, pixels, local storage, and similar technologies to help our website function, keep users signed in, remember preferences, understand usage, measure performance, support account security, and support advertising or affiliate relationships. Cookies may be set by us or by third parties.
Account cookies: If you create or sign in to an Insurance Panda account, cookies may be used to authenticate your session and keep you signed in if you choose that option.
Your choices: You can often control cookies through your browser settings and may be able to delete existing cookies. If you disable cookies, some features of the website, including account login and dashboard tools, may not function properly.
Do Not Track Signals
Some browsers offer a “Do Not Track” (DNT) setting. Because there is not currently a universally accepted standard for how websites should respond to DNT signals, we do not respond to DNT signals in a uniform way. We may allow third parties, such as analytics or advertising partners, to collect information about your online activities over time and across different websites when you use our website.
6. Third-Party Websites, Affiliate Links, and Quote Partners
We may link to third-party websites, including insurance quote partners, carriers, agents, advertisers, affiliate partners, and other service providers. We do not control and are not responsible for the privacy practices of third parties. We encourage you to review their privacy policies before providing them with information.
Some links on our website are sponsored by advertising or affiliate partners and may generate revenue for us. This means we may get paid if you click a link, request a quote, buy a product, or sign up for something on a third-party website. This does not change the content standards we aim to follow on our site. Please read our advertiser disclosure here.
7. How We Share Information
We may share information in the following circumstances:
- Quote partners and insurance providers: Where Insurance Panda directly receives information for an insurance shopping service, we may share it with partners as described in this policy. Some services, including our embedded auto-insurance quote form, collect information directly through the partner’s system. Insurance Panda does not receive personal leads submitted through that form. The provider operating the form independently handles its collection, retention, and downstream sale or sharing of information, including with insurers, agents, advertising partners, and data brokers.
- Service providers: We may share information with vendors who perform services on our behalf, such as website hosting, database hosting, email delivery, analytics, customer support, spam prevention, security services, and technical maintenance. They are permitted to use information only to provide services to us.
- Email and reminder services: If you use account features such as policy renewal reminders, we may use email delivery providers or website email tools to send service-related messages to the email address associated with your account.
- Advertising and analytics: We may share or make available information, including online identifiers and browsing activity, with analytics and advertising partners to measure performance, understand traffic, and support marketing.
- Legal and safety: We may disclose information if we believe in good faith that it is necessary to comply with law, respond to legal requests, protect rights and safety, enforce our agreements, or prevent fraud, abuse, or security incidents.
- Business transfers: If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of that transaction.
The following is a non-exhaustive example of a third-party service we may use:
8. Data Retention
We retain personal information for as long as reasonably necessary to provide the services you request, maintain your account, operate our website, comply with legal obligations, resolve disputes, prevent fraud or abuse, and enforce our agreements.
Retention periods can vary based on the type of information and why it was collected. For example, account dashboard information such as quote profiles, vehicle details, renewal reminders, and quote history notes may be retained while your account remains active or until you delete, update, or request deletion of that information, subject to legal or operational requirements.
We take reasonable steps to delete or de-identify information when it is no longer needed for the purposes described in this Privacy Policy.
9. Law Enforcement and Legal Requests
We may disclose information if we believe, in good faith, that doing so is reasonably necessary to comply with a law, regulation, legal process, or governmental request. If we receive a subpoena or similar request, we may, but are not required to, attempt to notify you where permitted.
10. Security of Information
We use reasonable administrative, technical, and physical safeguards designed to protect information. For example, we typically use encryption in transit where appropriate, limit access to information to authorized personnel and service providers, and use security tools intended to help protect our website and account systems.
However, no website, database, email system, or internet transmission is completely secure. We cannot guarantee absolute security, and you use the website at your own risk. We recommend using a strong password, keeping your login details private, using up-to-date anti-malware software, and taking precautions to protect your devices and accounts.
11. Your Choices and Opt-Out Options
Account information: If you create an Insurance Panda account, you may be able to update certain account dashboard details by signing in to your Insurance Panda account. You may also contact us to request access, correction, deletion, or other action related to your personal information, subject to applicable law and verification requirements.
Website renewal reminders: If you save a policy renewal reminder using an Insurance Panda website account, we may send email reminders for that website feature. You can update or remove your website reminder through your account dashboard or contact us for help. Mobile-app reminders are different: they are saved and scheduled locally on your device and do not generate Insurance Panda reminder emails.
Email opt-out: You can unsubscribe from marketing emails by clicking the “unsubscribe” link in the footer of those emails. You can also send an opt-out request to office@insurancepanda.com with the subject line “Email Opt-Out.” Service-related emails, such as account notices, password reset emails, or renewal reminder emails you requested, may still be sent where appropriate.
Quote partner communications: If you request quotes, third-party partners may contact you directly. To opt out of a partner’s communications, please follow the partner’s opt-out instructions or contact that partner directly.
Calls and texts: The consent disclosures displayed with each insurance quote form describe which organizations may contact you, the communication methods involved, and your choices. When you submit personal information through a partner-operated form, the provider operating it and recipients of that information may contact you as described by those disclosures and their applicable policies. Insurance Panda does not receive the personal leads submitted through its embedded partner-operated auto-insurance form. To stop calls, texts, emails, or other communications, use the opt-out instructions provided by the organization contacting you or its privacy-request process. You can generally reply STOP to opt out of recurring marketing texts. Your ability to withdraw consent and any applicable exceptions depend on the service and law. Insurance Panda is not the insurer, agent, or broker providing the quote.
Cookies: You can manage cookies through your browser settings. Where we offer additional cookie controls, you can use those tools to adjust preferences.
12. California and Other U.S. State Privacy Rights
Depending on where you live, you may have certain rights regarding your personal information, such as the right to request access, deletion, or correction, and in some states the right to opt out of certain types of data sharing, targeted advertising, or sales of personal information.
We intend to comply with applicable privacy laws, including California’s privacy laws. For more information, please see California’s privacy laws. To submit a privacy request, contact us using the information in Section 15. We may need to verify your identity before fulfilling certain requests.
We will not discriminate against you for exercising privacy rights available to you under applicable law.
13. Children’s Privacy
Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can review and take appropriate action.
14. Amendments
We may update this Privacy Policy from time to time. When we do, we will post the updated version on this page and update the “Effective Date” above. Your continued use of the website after an update means you acknowledge the updated Privacy Policy.
15. Contact
If you have questions about this Privacy Policy or want to submit a privacy request, contact us at: