Privacy Policy
This policy explains what information Ratekeel collects, how we use it, who we share it with, and the choices you have. Ratekeel (ratekeel.com) is owned and operated by RateRoute Media [legal entity name and type, e.g. "RateRoute Media LLC"], [mailing address] ("we," "us," or "our").
What we do
We run an online form that connects people shopping for car insurance (and, if they choose, home insurance) with insurance companies, agents, and marketing partners. Those providers may confirm the information you give them using claims history reports and credit-based insurance scores. We are not an insurance company, agent, or broker. We don't sell insurance, give quotes, or decide coverage.
Information we collect
Information you give us
- Contact details: name, street address, city, state, ZIP code, email address, and phone number.
- Vehicle details: number of vehicles, and each vehicle's year, make, model, and trim.
- Driver details: date of birth, gender, whether you're married, and whether you've had driving incidents in the last three years.
- Insurance and household details: whether you've had auto insurance in the past 30 days, your current insurer, how long you've been continuously insured, whether you own or rent your home, whether you or your spouse served in the US military, and whether you'd also like home insurance quotes. We don't collect your credit report or score.
Information collected automatically
- IP address, approximate location based on IP, browser and device type, and the pages you view.
- How you move through the form, the website or ad that sent you here, and ad click identifiers.
- Information from cookies, pixels, and similar technologies, including the Meta Pixel.
Consent records
To document that you agreed to be contacted, we and our vendors (such as ActiveProspect TrustedForm and, where used, Verisk Jornaya) record your session on the form, including the consent language shown to you, your entries, and when you clicked to submit.
How we use information
- To send your request to insurance companies, agents, and marketing partners so they can contact you with quotes.
- To create and keep records of your consent.
- To prevent fraud, spam, and duplicate requests.
- To measure and improve our advertising and our website.
- To respond to you and to comply with the law.
Who we share information with
- Insurance companies, agents, and marketing partners. When you submit the form, you direct us to share your information with the companies on our partners page so they can contact you. Each of them uses your information under its own privacy policy.
- Service providers that host our site, store data, certify consent, or help us detect fraud, under contracts that limit how they use it.
- Advertising platforms. We share limited data with Meta to measure our ads: hashed contact details (such as email, phone, and name), cookie identifiers, IP address, and the fact that a request was submitted. We do not share your insurance or driving answers with advertising platforms.
- Others when required. To comply with law or legal process, to protect rights and safety, or as part of a merger, sale, or transfer of our business.
Your choices
- Calls and texts. You can revoke consent at any time. Tell the caller you don't want more calls, reply STOP to any text, or email [privacy email]. Partners that already received your request manage their own contact lists, so you may need to tell each of them as well.
- Cookies. You can block or delete cookies in your browser settings.
- Global Privacy Control. If your browser sends a Global Privacy Control signal, we treat it as a request to opt out of sale and sharing: we don't load the Meta Pixel and we don't send your data to Meta.
California privacy rights
This section is our notice at collection for California residents and describes rights under the California Consumer Privacy Act, as amended.
| Category | Examples | Disclosed to |
|---|---|---|
| Identifiers | Name, address, email, phone, IP address, cookie IDs | Insurance partners (at your direction), service providers, advertising platforms |
| Customer records | Contact details and insurance information | Insurance partners (at your direction), service providers |
| Characteristics of protected classifications | Age, gender, marital status, military or veteran status | Insurance partners (at your direction), service providers |
| Commercial information | Current insurer, coverage history, vehicles, products you want quotes for | Insurance partners (at your direction), service providers |
| Internet activity | Form interactions, pages viewed, referring site | Service providers, advertising platforms |
| Approximate geolocation | ZIP code, location from IP address | Insurance partners (at your direction), service providers, advertising platforms |
Sources: you, your browser or device, and our advertising and service providers. Purposes: those listed under "How we use information."
Sale and sharing. When you submit the form, you intentionally direct us to disclose your information to our insurance partners. We "share" identifiers and internet activity with advertising platforms for cross-context behavioral advertising, which you can opt out of. We do not knowingly sell or share the information of consumers under 16.
Sensitive information. We don't use or disclose sensitive personal information for purposes other than those the law allows.
Your rights. You can ask to know what we collected about you, get a copy of it, correct it, delete it, and opt out of sale or sharing. We will not discriminate against you for using these rights.
How to make a request. Use our Your Privacy Choices page or email [privacy email]. We will verify your request by matching the email address or phone number you used on our form. You can use an authorized agent; we may ask for proof of the agent's authority and confirm your identity directly.
Retention. We keep request information for [e.g. 24 months] and consent records for at least five years so we can respond to questions or claims about your consent, then delete or de-identify them.
Rights in other states
Residents of states with consumer privacy laws, including Colorado, Connecticut, Oregon, Texas, Virginia, and others, may have similar rights to access, correct, delete, and opt out. Make a request the same way as above. If we deny your request, you can appeal by replying to our decision or emailing [privacy email] with the subject line "Appeal."
Children
Our site is for adults 18 and older. We don't knowingly collect information from anyone under 18.
Security
We use encryption in transit, access controls, and other safeguards. No system is perfectly secure, so we can't guarantee the security of information sent to us.
Changes to this policy
We may update this policy. We'll change the effective date above, and if the changes are significant we'll say so on our site.
Contact us
Email [privacy email] or write to RateRoute Media, [mailing address].