How Affordable Quotes handles personal information

1. Scope

This Privacy Policy describes how Affordable Quotes collects, uses, stores, and shares information when you use our website, submit inquiries, schedule advisor conversations, or otherwise interact with our services.

Affordable Quotes is the public-facing brand and DBA used to conduct business and client communications. Knight & Shield is the legal entity that owns and operates the business behind the brand, while Affordable Quotes remains the consumer-facing name presented on affordablequotes.com.

2. Information we collect

We may collect the following categories of information:

• Contact details such as name, email address, and phone number.
• Appointment and communication preferences.
• Location details such as the ZIP code you enter, along with the state and city associated with it.
• Insurance planning context you voluntarily provide.
• Technical usage data, including browser details, page interactions, and device metadata.
• Marketing and attribution data where permitted by law.

3. How we use information

• Provide advisor guidance and respond to inquiries.
• Coordinate scheduling and service follow-up.
• Improve website functionality and user experience.
• Maintain security, prevent misuse, and investigate suspicious activity.
• Comply with legal, regulatory, and contractual requirements.

4. Communication practices

By submitting contact details, you authorize us to contact you regarding requested services. We aim to communicate responsibly and provide opt-out methods where required.

5. Cookies, local storage, and analytics

We may use cookies and similar technologies for performance analytics, service optimization, and campaign attribution. You can manage cookie behavior through browser settings.

Specifically, if you choose to allow analytics cookies, we load two opt-in services:

• Microsoft Clarity — a behavioral analytics service that produces anonymous session replays and aggregate interaction heatmaps.
• Google Analytics 4 — a website-traffic analytics service that records aggregate page views, engagement metrics, and referrer information.

Both services only begin collecting data after you accept analytics in the cookie banner; if you choose “Essential only,” neither service is loaded and no analytics cookies are set. You can change this choice at any time by clearing your browser's site data for this domain and revisiting the cookie banner.

When you confirm your location during pre-qualification, we save that ZIP code and its associated state and city in your browser's local storage so you do not have to enter them again on a later visit. This information stays on your device, is not a cookie, and is not used for advertising or tracking across other websites. It expires automatically after 30 days. You can remove it at any time by selecting Edit Location in the scheduling flow or by clearing your browser's site data.

6. Data sharing

We do not sell personal information in the ordinary course of business. We may share data with:

• Service providers assisting with hosting, scheduling, communication, and analytics — including Microsoft Corporation, which operates Microsoft Clarity under their own privacy terms when you have opted in to analytics cookies, and Google LLC, which operates Google Analytics 4 under their own privacy terms under the same opt-in.
• Third-party lookup services used solely to match a ZIP code to its state and city. Only the ZIP code is sent, never your name or contact details.
• Licensed advisors or internal team members servicing your request.
• Authorities or legal parties when required for legal compliance or protection of rights.

7. Data retention

Information is retained for legitimate business needs, legal obligations, and service continuity. Retention periods vary by record type and applicable law.

8. Security measures

We apply administrative, technical, and operational safeguards designed to reduce unauthorized access, misuse, or disclosure. No method of transmission or storage is guaranteed to be completely secure.

9. Your rights and choices

Depending on jurisdiction, you may have rights to request access, correction, deletion, or limitation of certain processing.

10. Children's privacy

This website is not directed to children under 13, and we do not knowingly collect personal information from children under 13 without legally required consent.

11. Cross-border and remote operations

Affordable Quotes operates as a nationwide remote team in the United States. Data handling may involve service providers operating in different locations.

12. Changes to this policy

We may update this policy periodically. Material updates will be reflected with a revised effective date and posted on this page.