Privacy Policy
Effective Date: May 21, 2026
1. Introduction
Thank you for visiting Insurance Panda’s website. Insurance Panda is owned and operated by Top Leads LLC (“Insurance Panda,” “we,” “us,” or “our”). This Privacy Policy explains what information we collect, how we use it, how we may share it, and the choices you may have about your information.
This Privacy Policy should be read together with our Terms of Service. By using our website, creating an Insurance Panda account, using our insurance shopping tools, or submitting information through our website, you acknowledge that you have read and understand this Privacy Policy.
2. Personal Information We Collect
When you use our website, request insurance quotes, create an Insurance Panda account, or use account tools such as quote profiles, renewal reminders, vehicle details, or quote history, we may collect information that you provide directly to us.
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: If you choose to submit information to request quotes, start a quote search, or continue to a third-party quote flow, we may share the information you provide with insurance carriers, agents, lead-generation partners, advertising partners, or other third-party quote partners so they can respond to your request. Those partners may collect and use your information under their own privacy policies and terms.
Third-party quote forms and affiliate flows: Some quote forms, quote buttons, or quote links on our website may redirect you to third-party websites, affiliate partners, or insurance quote providers. Insurance Panda may not control those third-party forms or systems. Information you submit directly to a third-party website is handled by that third party according to its own privacy policy.
3. Non-Personal Information We Collect
We may collect information that does not directly identify you, including information collected automatically when you visit our website. This may include IP address, device and browser information, operating system, referring URLs, pages viewed, links clicked, approximate location, and similar usage data. Some of this information may be considered personal information under certain laws when it is linked or reasonably linkable to you.
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: If you request quotes, start a quote search, or otherwise submit information through our site, we may share your information with third-party partners so they can provide quotes, offers, or follow up with you.
- 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.
Renewal reminders: If you save a policy renewal reminder, we may send reminder emails related to that feature. You can update or remove your saved reminder information in your account dashboard or contact us for help.
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.
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: