Privacy Policy
BumperZen ("we", "us", "our") operates bumperzen.com. This policy explains what information we collect when you visit and use our pages and quote tools, how we use and share it, and the choices and rights you have.
What we are: BumperZen is a car insurance comparison and referral website. We are not an insurance company and not an insurance broker or agent, and we do not issue policies or make coverage decisions. When you continue to a quote, you are passed to third-party partners who provide the quotes.
1. Information we collect
- Information you give us: your ZIP code and the answers you select on our pages (for example, age range of the main driver, annual mileage, vehicle make, or the state you pick). If you use our contact form: your name, email address and message.
- Information collected automatically: your IP address, browser and device type, pages viewed, the referring page, and the date and time of your visit.
- Information in the link you arrived from: tracking parameters added by the ad or website that sent you, such as
utm_source,utm_medium,utm_campaign,utm_content,utm_term, and click identifiers such asgclid,fbclid,msclkid,ttclid,wbraid,gbraidorob_click_id.
Our pages do not ask for your name, phone number or email to show content. If you provide those details on a partner's form after you leave our site, the partner's own privacy policy applies to that information.
2. Approximate state detection
To show content relevant to where you live (for example, your state's name on the page), your browser sends a request to a third-party IP geolocation service, get.geojs.io, which returns an approximate location based on your IP address. We use only the US state from that response. The state is kept in your browser's sessionStorage for the current browsing session and is cleared when you close the tab or browser. We do not use it to determine your precise location.
The geolocation service receives your IP address as part of that request and processes it under its own terms. The result can be wrong (for example, when you use a VPN or mobile network). You can always choose a different state on the page, and you can block this request with your browser or an ad/content blocker; the page will still work and will show general wording instead.
3. Cookies, analytics and tags
When enabled, we use Google Tag Manager and analytics or advertising tags loaded through it to measure visits, understand which pages and ads perform, and attribute visits to the ad or publisher that referred you. These tools may set cookies or use similar technologies and may collect your IP address, device and browser information, and on-page events (such as clicking a button). We do not send your ZIP code to these analytics tools.
You can control cookies through your browser settings. Where required by law, we will ask for your consent before setting non-essential cookies. We treat a Global Privacy Control (GPC) signal from your browser as a request to opt out of sale and sharing (see section 6).
4. How we use information
- To operate the site, show content relevant to your state, and send you to quote partners.
- To credit the ad, publisher or campaign that referred you, and to measure and improve our pages.
- To respond to messages you send us.
- To detect fraud, secure the site, and comply with law.
Any premiums or savings shown on our pages are illustrative examples, not quotes. Final pricing is set by insurers.
5. Sharing with partners
When you click to continue or submit your ZIP code, we send you to a third-party partner and include in that link:
- your ZIP code (if you entered one) and the detected or selected state;
- the answer you selected on our page and the name of the page;
- the tracking parameters and click identifiers from the link you arrived on (listed in section 1).
Partners may include insurance carriers, agencies, lead and marketing networks, and affiliate platforms. They use this information to show you offers and to track the referral, and we may receive referral compensation. Partners handle the information under their own privacy policies. We also share information with service providers that help us run the site (such as hosting, analytics and tag management), with authorities when required by law, and in connection with a merger or sale of our business.
A current list of marketing partners is available on request at [email protected].
6. Do Not Sell or Share My Personal Information
Passing your ZIP code, state, tracking parameters and click identifiers to partners who may pay us, and using advertising tags, may be considered a "sale" or "sharing" (for cross-context behavioral advertising) of personal information under California and other state laws. You have the right to opt out.
To opt out, email [email protected] with the subject "Do Not Sell or Share", or turn on Global Privacy Control in your browser. When GPC is detected, our pages do not load advertising and analytics tags. Note that continuing to a partner's quote form still requires passing your ZIP code or state to that partner so they can show you quotes; if you do not want that, do not continue to the partner.
We do not knowingly sell or share the personal information of consumers under 16.
7. California privacy rights (CCPA/CPRA)
If you are a California resident, you have the right to:
- Know and access the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of third parties we disclose it to;
- Delete personal information we collected from you, subject to legal exceptions;
- Correct inaccurate personal information;
- Opt out of the sale or sharing of your personal information (section 6);
- Limit the use of sensitive personal information (we do not collect sensitive personal information through our pages);
- Not be discriminated against for exercising these rights.
Categories collected in the last 12 months: identifiers (IP address, click identifiers); internet or network activity (pages viewed, referring links, on-page events); approximate geolocation (state derived from IP); and contact information only if you use our contact form. ZIP code and state are disclosed to partners for business and commercial purposes as described in section 5.
How to submit a request: email [email protected] or use our contact page. We will verify your request using information reasonably available to us and respond within 45 days (extendable as permitted by law). You may use an authorized agent; we may ask for proof of the agent's authority and to verify your identity directly.
8. Other US state privacy rights
Residents of other states with consumer privacy laws (for example, Virginia, Colorado, Connecticut, Utah, Texas, Oregon and others) may have similar rights to access, correct, delete, obtain a copy of, and opt out of the sale of personal information or targeted advertising. Contact us at [email protected] to exercise them. If we deny your request, you may appeal by replying to our decision with the subject "Appeal".
9. Retention and security
The state detected for your visit stays only in your browser session. Contact form messages are kept as long as needed to respond and for our records, then deleted. Analytics data is kept according to the settings of the analytics provider. We use reasonable safeguards, but no website or transmission is fully secure.
10. Children
Our site is intended for adults who are of driving age and is not directed to children under 16. We do not knowingly collect personal information from children under 16. If you believe a child has given us information, contact us and we will delete it.
11. Changes to this policy
We may update this policy from time to time. The "Last updated" date above shows when it last changed. Material changes will be posted on this page.
12. Contact us
Privacy questions or requests: [email protected]
Mail: BumperZen, [COMPANY_MAILING_ADDRESS]
Or use our Contact Us page.