Privacy Policy

Effective Date: April 2026
Operated by: Tojocu, LLC

Introduction

This Privacy Policy describes how TheInsuranceWiki.com (the "Site"), operated by Tojocu, LLC ("we," "us," or "our"), collects, uses, and handles information when you visit the Site. We are committed to protecting the privacy of our visitors.

Information We Collect

TheInsuranceWiki.com does not require users to create an account or submit personal information to access the Site's educational content. We do not collect names, email addresses, phone numbers, or other personally identifiable information (PII) directly through the Site.

We use Google Analytics 4 (GA4) to collect anonymized usage data, including pages visited, time on page, referral source, device type, and general geographic region (country and state level only). This data is used in aggregate form to understand how visitors use the Site and to improve content. GA4 data is collected via browser cookies and is processed by Google in accordance with Google's Privacy Policy.

Cookies

The Site uses cookies set by Google Analytics to distinguish unique visitors and track sessions. These are first-party analytics cookies. No third-party advertising cookies are placed by the Site itself. Visitors may opt out of Google Analytics tracking by using the Google Analytics Opt-out Browser Add-on.

Third-Party Services

The Site may contain links to third-party websites, including insurance carriers and comparison platforms. When you click an affiliate link and leave the Site, you are subject to the privacy policy of the destination site. We do not control and are not responsible for the privacy practices of any third-party sites.

We use Google Analytics 4 as our sole analytics provider. GA4 data is governed by Google's Privacy Policy, available at policies.google.com/privacy.

How We Use Information

Aggregate, anonymized analytics data is used solely to understand Site traffic patterns, improve content quality, and identify popular topics. We do not sell, rent, or share any personal information with third parties for marketing purposes.

California Privacy Rights (CCPA) / Do Not Sell or Share My Personal Information

Under the California Consumer Privacy Act (CCPA), California residents have the right to know what personal information is collected about them, the right to delete personal information, and the right to opt out of the sale of personal information. Because we do not collect or sell personally identifiable information, the CCPA's sale opt-out rights are not applicable to our operations. California residents with privacy questions may contact us at the address below.

General Data Protection Regulation (GDPR)

For visitors from the European Economic Area (EEA), we rely on legitimate interests as the legal basis for processing anonymized analytics data. EEA visitors may opt out of analytics tracking using the Google Analytics opt-out tool described above. We do not process special categories of personal data as defined under GDPR.

Data Retention

Google Analytics data is retained for 14 months by default, in accordance with GA4 standard settings. No other personal data is stored by the Site.

Children's Privacy

TheInsuranceWiki.com is not directed at children under 13. We do not knowingly collect information from children. If you believe a child has provided information through the Site, please contact us and we will promptly address it.

Changes to This Policy

We may update this Privacy Policy periodically. Changes will be reflected by an updated effective date at the top of this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.

Contact

For privacy-related questions or requests, contact Tojocu, LLC at: advertisingops@tojocu.com | +1 (480) 256-8101