Privacy Policy

1. Introduction

Welcome to insurance.cekresi.me (“Website,” “we,” “our,” or “us”). We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our Website.

This policy is intended to address applicable privacy laws in the United States and, where applicable, the European Economic Area (EEA), the United Kingdom (UK), and other jurisdictions, including the General Data Protection Regulation (GDPR) and applicable U.S. state privacy laws.

2. Information We Collect

Depending on how you use our Website, we may collect the following information:

Contact information you voluntarily provide, such as your name and email address.
IP address, browser type, device type, and operating system.
Pages visited, referral sources, and interactions with the Website.
Cookies and similar identifiers used for analytics, advertising, and Website functionality.

Please do not submit sensitive personal information unless a specific Website feature requires it and appropriate safeguards are provided.

3. How We Use Your Information

We may use collected information to:

Operate, maintain, and improve our Website.
Respond to questions and inquiries.
Analyze Website traffic and performance.
Display and measure advertisements.
Personalize advertising where permitted and authorized.
Prevent fraud, abuse, and unauthorized access.
Comply with legal obligations and protect our rights.

4. Legal Bases Under the GDPR

Where the GDPR or UK GDPR applies, we process personal data on an appropriate legal basis, which may include:

Consent: For processing activities that require your permission.
Legitimate interests: For purposes such as Website security and fraud prevention, where permitted by law.
Contractual necessity: To provide a service you have requested.
Legal obligations: To comply with applicable laws.

You may withdraw consent at any time where processing is based on consent. Withdrawal does not affect the lawfulness of processing before withdrawal.

5. Cookies and Similar Technologies

We may use cookies, pixels, local storage, and similar technologies to operate the Website, analyze usage, and support advertising.

You can manage your cookie preferences through our consent management interface, where available, and through your browser settings. Disabling certain cookies may affect Website functionality.

6. Google AdSense and Third-Party Advertising

Our Website may use Google AdSense or other advertising providers to display advertisements.

Third-party providers may use cookies, IP addresses, advertising identifiers, and similar technologies to deliver advertisements, limit repeated ads, measure advertising performance, prevent invalid traffic, and personalize advertisements where permitted.

For more information, review the following Google resources:

7. Google Analytics

We may use Google Analytics or similar services to understand how visitors use our Website. These services may collect information about page views, sessions, devices, referral sources, and Website interactions.

Where required by law, non-essential analytics technologies will be activated only after the necessary consent has been obtained.

8. Consent Management Platform (CMP)

We may use a Google-certified Consent Management Platform (CMP) to collect and manage privacy and advertising preferences.

Where applicable, our CMP will be configured to meet relevant Google advertising consent requirements. For personalized advertising in the EEA, UK, and Switzerland, we will use a Google-certified CMP integrated with the IAB Europe Transparency and Consent Framework (TCF) where required.

Visitors may be able to accept, reject, or customize consent choices and change or withdraw their consent through the Website’s Cookie Settings or Privacy Settings interface, where available.

The actual choices and controls depend on our CMP configuration and the services enabled on the Website.

9. How We Share Information

We may share information with the following categories of recipients where necessary:

Hosting providers and technical service providers.
Analytics and advertising partners, including Google where enabled.
Professional advisers and auditors.
Government authorities or other parties when required by law.
Relevant parties involved in a business transfer, merger, or acquisition.

We do not sell personal information in exchange for monetary payment unless expressly disclosed and permitted by law. Certain advertising activities may nevertheless qualify as a sale, sharing, or targeted advertising under applicable U.S. state privacy laws.

10. International Data Transfers

Your information may be processed in countries other than your country of residence. Where required by the GDPR or UK GDPR, international transfers will rely on an appropriate legal mechanism, such as an adequacy decision or approved Standard Contractual Clauses.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer period is required or permitted by law. When information is no longer necessary, we will delete it, anonymize it, or securely dispose of it as appropriate.

12. Data Security

We implement reasonable technical and organizational measures designed to protect personal information against unauthorized access, disclosure, alteration, loss, or destruction. However, no method of internet transmission or electronic storage is completely secure.

13. Your Rights Under the GDPR

Where the GDPR or UK GDPR applies, you may have the right to:

Access your personal data.
Correct inaccurate or incomplete information.
Request deletion of personal data, subject to legal exceptions.
Restrict certain processing activities.
Receive certain data in a portable format.
Object to certain processing, including direct marketing.
Withdraw consent where processing is based on consent.
Lodge a complaint with a relevant data protection supervisory authority.

To exercise your rights, contact us using the details provided below. We may need to verify your identity before processing your request.

14. Privacy Rights for U.S. Residents

Depending on your state of residence and applicable law, you may have the right to request access to, correction of, or deletion of personal information, obtain a portable copy, and opt out of the sale or sharing of personal information or targeted advertising.

Additional rights may apply under laws such as the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA).

Where required by applicable law, we will honor recognized opt-out preference signals, including Global Privacy Control (GPC).

To submit a privacy request or opt-out request, contact us using the information below or use the relevant privacy controls provided on our Website.

15. Children’s Privacy

Our Website is not intended for children under the age of 13, and we do not knowingly collect personal information directly from children under 13 without legally required authorization.

If we learn that personal information has been collected from a child in violation of applicable law, we will take appropriate steps to delete it or obtain any required authorization.

16. Insurance and Financial Information

The Website may provide general information relating to insurance. Unless expressly stated otherwise, we do not underwrite insurance policies or act as an insurance provider.

If we collect information for insurance applications, referrals, or financial services, additional privacy requirements may apply, including state insurance privacy laws and, where applicable, the Gramm-Leach-Bliley Act (GLBA).

17. Third-Party Websites

Our Website may contain links to third-party websites or services. We are not responsible for their privacy practices or content. Please review their privacy policies before providing personal information.

18. Do Not Track

Some browsers provide a Do Not Track (DNT) setting. Because no universally accepted standard applies to all DNT signals, our Website may not respond to every such signal. We will honor recognized opt-out preference signals where required by applicable law.

19. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our Website, services, technologies, or legal requirements. We will update the date at the top of this page when changes are made and provide additional notice where required by law.

20. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us:

Website: https://insurance.cekresi.me/

Privacy Contact Email: [email protected]

Please include “Privacy Request” in the subject line of your email.

End of Privacy Policy