Cookie Policy & Opt-Out

1. What Are Cookies?

Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently, enhance user experience, and provide information to website owners. Similar technologies, such as web beacons, pixels, and local storage, may also be used for these purposes.

2. How We Use Cookies

LumiQuote uses cookies and similar technologies for the following purposes:

• Essential Cookies: Necessary for the website to function properly, such as maintaining session state and security features. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our website by collecting and reporting information anonymously. This helps us improve our Services.
• Functional Cookies: Enable enhanced functionality and personalization, such as remembering your preferences and previously entered information.
• Marketing/Advertising Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. These may be set by us or third-party advertising partners.

3. Types of Cookies We Use

4. Third-Party Cookies

Some cookies are placed by third-party services that appear on our website. These may include:

• Analytics providers (e.g., Google Analytics)
• Advertising networks and partners
• Social media platforms
• Payment processors and financing partners

We do not control these third-party cookies. Please review the privacy and cookie policies of the respective third parties for more information.

5. Your Choices and Opt-Out Rights

You have several options to manage cookies and opt out of tracking:

Browser Settings

Most web browsers allow you to control cookies through their settings. You can typically:

• View cookies stored on your device
• Delete individual cookies or all cookies
• Block cookies from specific websites or all websites
• Block third-party cookies

Please note that disabling essential cookies may affect the functionality of our website.

Opt-Out of Targeted Advertising

You can opt out of interest-based advertising from participating companies through the following industry programs:

• Digital Advertising Alliance (DAA) Consumer Choice Page
• Network Advertising Initiative (NAI) Opt-Out Page
• Digital Advertising Alliance of Canada

Google Analytics Opt-Out

To opt out of Google Analytics tracking across all websites, you can install theGoogle Analytics Opt-out Browser Add-on.

California "Do Not Sell or Share My Personal Information"

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have the right to opt out of the "sale" or "sharing" of their personal information for cross-context behavioral advertising purposes. While LumiQuote does not sell personal information in the traditional sense, some cookies used for advertising may constitute "sharing" under California law.

To exercise your right to opt out, you may:

• Use the Global Privacy Control (GPC) signal in your browser
• Submit an opt-out request by emailing privacy@lumiquote.com
• Call us at 559-500-6184

6. Global Privacy Control (GPC)

We respect the Global Privacy Control (GPC) signal. If your browser or browser extension sends a GPC signal, we will treat it as a request to opt out of the sale or sharing of your personal information for cross-context behavioral advertising, in accordance with applicable law.

7. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in technology, law, or our business practices. We encourage you to review this policy periodically. The "Last updated" date at the top of this page indicates when the policy was most recently revised.

8. Contact Us

If you have any questions about our use of cookies or this Cookie Policy, please contact us:

• Email: privacy@lumiquote.com
• Phone: 559-500-6184
• Mail: LumiQuote, Attn: Privacy Department