Privacy Policy
Insurtech Insights ("we," "us," or "our") operates the website 821224.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our Site. By using the Site, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
Automatically Collected Data: When you visit our Site, we automatically collect certain information about your device and browsing behavior, including:
- IP address and approximate geographic location
- Browser type, version, and operating system
- Referring URL and pages visited on our Site
- Date and time of access, time spent on pages
- Device type and screen resolution
Voluntarily Provided Data: We may collect information you voluntarily provide when you:
- Contact us via email (your email address and message content)
- Submit comments via our commenting system
- Interact with feedback widgets on article pages
We do not collect sensitive personal information such as financial data, government identification numbers, or health information.
2. How We Use Your Information
We use the collected information for the following purposes:
- Site operation and improvement: To understand how visitors use our Site, identify popular content, and improve user experience
- Analytics: To measure traffic patterns, content engagement, and referral sources
- Advertising: To serve relevant advertisements through Google AdSense and other advertising partners
- Communication: To respond to inquiries and correspondence sent to our contact email
- Legal compliance: To comply with applicable laws, regulations, and legal processes
3. Cookies and Tracking Technologies
Our Site uses cookies and similar tracking technologies to enhance your browsing experience and collect usage data. Cookies are small text files stored on your device by your web browser.
Types of cookies we use:
- Essential cookies: Necessary for the Site to function properly (e.g., maintaining session state)
- Analytics cookies: Google Analytics cookies (_ga, _gid, _gat) that help us understand how visitors interact with the Site. These cookies collect anonymized data about page views, traffic sources, and user behavior
- Advertising cookies: Google AdSense cookies that enable personalized advertising based on your browsing history and interests. These cookies are governed by Google's Privacy Policy
Your choices: You can control and manage cookies through your browser settings. Most browsers allow you to block or delete cookies. However, disabling cookies may affect the functionality of certain Site features. You can also opt out of personalized advertising by visiting Google Ads Settings or aboutads.info.
4. Third-Party Services
We use the following third-party services that may collect information about you:
- Google Analytics (GA4): For website traffic analysis. Google Analytics collects anonymized usage data via cookies. Google's Privacy Policy applies to their data handling.
- Google AdSense: For displaying advertisements on our Site. Google uses cookies to serve ads based on your prior visits to our Site and other websites. You can learn more about how Google manages data in its ads products at Google's Advertising Privacy & Terms.
- utteranc.es (GitHub-based comments): Our article comment system is powered by utteranc.es, which uses the GitHub API. When you post a comment, you authenticate through your GitHub account. No comment data is stored on our servers. See utteranc.es for details.
- Google Fonts: We use Google Fonts for typography, served via Google's CDN. Google may log font API requests. Google Fonts FAQ.
5. Data Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties. We may share information in the following limited circumstances:
- Service providers: With third-party vendors who help us operate the Site (e.g., analytics, advertising) — solely for the purpose of providing those services
- Legal obligations: If required by law, court order, or governmental regulation
- Business transfers: In connection with a merger, acquisition, or sale of assets, where user information may be among the transferred assets
6. Data Retention
We retain automatically collected analytics data for a period of 26 months via Google Analytics. Contact form correspondence is retained for the duration necessary to resolve the inquiry plus a reasonable archival period. Comment data is stored by GitHub/utteranc.es per their respective retention policies.
7. Data Security
We implement reasonable technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
8. Children's Privacy
Our Site is not directed at individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal data, please contact us so we can delete it.
9. Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal data:
- Right to access the personal data we hold about you
- Right to rectification of inaccurate data
- Right to erasure (deletion) of your data
- Right to restrict or object to processing
- Right to data portability
- Right to withdraw consent where processing is based on consent
To exercise any of these rights, please contact us at contact@821224.com. We will respond to your request within the timeframe required by applicable law.
10. International Data Transfers
Your information may be transferred to — and maintained on — servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Site, you consent to such transfers.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for operational, legal, or regulatory reasons. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Email: contact@821224.com
Website: 821224.com
Last updated: June 15, 2026