Privacy Policy

This Privacy Policy explains how LunarQuote collects, uses and shares information submitted through this website.

1. Information we collect

We may collect business and contact information such as company name, contact name, email address, phone number, state, industry, a broad description of how your business uses AI, and any information you voluntarily include in the message field. We may also collect ordinary technical information such as referring page, browser or device information and submission timestamps.

Personal protection profiles. We collect your name, email, state, ZIP code, household protection choice, concerns, goal, existing protection category and whether an incident has already happened. We record adult and privacy confirmations, optional partner-sharing and specialist-availability notification choices, email verification, request source and relevant status history. The current personal form does not request a phone number or SMS permission. Saving a profile does not submit an insurance application or create coverage. Historical waitlist records, if any, retain their original recorded choices; those choices do not become broader contact permission.

If you use the AI Policy Scanner, your browser extracts text from the policy PDFs you select and sends page-tagged text to LunarQuote for analysis. The raw PDF files and the complete extracted policy text are not designed to be stored by LunarQuote. We retain limited scan metadata, document names and hashes, cited policy snippets, AI Risk Passport inputs, automated findings, and scan events needed to display the report and support an optional licensed-partner handoff.

2. What we intentionally do not request here

The public lead form is not designed to collect full insurance applications, Social Security numbers, payment-card data, medical information, account passwords, detailed security credentials or other highly sensitive records. A licensed insurance professional may later request insurance-specific information through a separate process.

3. How we use information

We use information to respond to requests, operate and improve the marketplace, prevent spam or abuse, detect recent duplicate submissions, understand demand, communicate with you, and administratively route appropriate leads to licensed insurance professionals or insurance-market partners. LunarQuote may assign an internal marketplace-quality score based on submission completeness and anti-abuse signals such as disposable-email or obvious test indicators. That score is used to decide whether a marketplace request can be routed automatically or should be reviewed; it is not insurance underwriting and does not determine coverage eligibility, premium, policy terms or insurability.

For personal profiles, we use the information to save your profile, confirm your email, check verified specialist availability and provide the profile communications needed to operate your request. Optional availability emails and partner sharing follow their separately recorded choices. Personal partner contact is by email after confirmation and sharing consent. A prior waitlist or another contact permission is not treated as permission for automated marketing texts, prerecorded calls or unrelated marketing.

ChatGPT and other AI-assistant integrations. When you use a supported LunarQuote AI-assistant integration, LunarQuote may process the non-sensitive business context you choose to provide, such as industry, state, AI use, and operational risk characteristics, to return informational risk topics, public marketplace-partner results, or a link back to LunarQuote. The current public ChatGPT integration does not collect contact information or submit a marketplace lead from the chat. Contact information and explicit consent are collected on LunarQuote before a marketplace request is created.

4. Sharing

When you provide the applicable sharing consent, we may share the relevant request information with eligible licensed professionals to respond to that request, subject to verified licensing, compatible appetite, capacity and applicable agreements. Business requests follow the recorded phone, email and person-to-person text consent; shared routing permits up to three eligible professionals. Personal sharing requires email confirmation and permits email contact by up to three eligible licensed professionals. Creating a personal profile without that choice does not authorize partner sharing. If you choose to carry an AI Policy Scanner report into that request, the scan reference, cited snippets, findings and related AI Risk Passport information may be associated with the marketplace request so an eligible licensed professional has context for review. A legacy waitlist signup by itself is not a business request or permission to route a personal profile. Optional specialist availability notifications do not replace sharing consent. We may use infrastructure providers for hosting, databases, analytics, security and email delivery.

5. Website analytics

We use Microsoft Clarity on public LunarQuote pages to understand how visitors navigate the site, including aggregated interaction information such as page views, clicks, scrolling, browser/device details and masked session-replay data. We intentionally exclude authenticated/private partner and administrative pages from Clarity recording. Clarity may use cookies or similar technologies according to Microsoft's service terms and privacy practices.

6. Marketplace service feedback

After a referral, we may ask whether the licensed partner contacted you or provided a quote or proposal. We use those responses to monitor marketplace service quality, investigate missed follow-up, and improve administrative routing. Feedback does not make an insurance decision or determine coverage.

7. Partner billing data

Paid partner billing, prepaid credits and Auto Reload are disabled during free early access. If paid features are offered later and a partner chooses to use them, Stripe would process payment credentials on hosted pages. LunarQuote does not store full card numbers or CVC values; it may retain Stripe identifiers and limited payment-method descriptors needed to manage a partner’s elected billing settings and historical records.

8. Partner agreement and audit records

For approved marketplace partners, LunarQuote may retain agreement and onboarding records including organization and contact information, signer name and title, authority and electronic-record consent attestations, agreement version, signing time, the signed agreement text, the applicable Commercial Schedule, cryptographic document hashes, and hashed network or device metadata used to support the integrity of the signing record. These records are used to document the commercial relationship, prevent unauthorized activation, resolve disputes, support security, and satisfy legitimate business or legal recordkeeping needs.

9. No sale of conversation data to insurers as a substitute for consent

We do not treat your submission as permission for unrelated uses. Information is shared to operate the requested referral or as otherwise disclosed here, required by law, or authorized by you.

10. Retention

We retain lead information for as long as reasonably necessary to operate the marketplace, maintain business records, prevent abuse, comply with legal obligations and measure referral outcomes. We retain personal profile information and any historical waitlist records as reasonably necessary to operate the requested service and maintain legitimate records, subject to withdrawal, stop-contact, correction or deletion requests and applicable recordkeeping needs. Suppression and required consent/audit records may need to remain to honor future contact restrictions. Signed partner agreements, Commercial Schedules, billing records and related audit records may be retained for the duration of the commercial relationship and afterward for a reasonable legal, accounting, security and dispute-resolution period. AI Policy Scanner records are currently configured with a 30-day expiration and are eligible for deletion after that period; the raw PDF files and complete extracted policy text are not designed to be retained as part of the scan record. Retention periods may change as the business and regulatory structure develop.

11. Security

We use reasonable technical and organizational safeguards, including token-protected access to saved policy-scan reports, but no internet service can guarantee absolute security. Do not submit secrets or highly sensitive records through the general lead form. Before uploading insurance documents, remove unrelated sensitive information that is not needed for the policy-language review.

12. Your choices

You may request access, correction or deletion, withdraw sharing, or stop future marketing contact, subject to identity verification and legal, fraud-prevention and recordkeeping requirements. Use your private personal profile for withdrawal, our support and privacy request form, or contact support@lunarquote.com. You may also ask us not to make additional marketing contact.

13. Third-party websites

Insurance professionals and carriers have their own privacy practices. This Privacy Policy does not control information you provide directly to those third parties.

14. Changes

We may update this Privacy Policy as the marketplace, partner network and legal structure change. Material revisions will be reflected by the updated date above.