1. Information We Collect
When you use YellowBus.com, we collect the following types of information:
- Contact information: name, email address, phone number, and mailing address when you request insurance quotes or subscribe to our newsletter.
- Location information: ZIP code and state, used to match you with licensed insurance agents in your area.
- Insurance preferences: coverage type, current provider, desired coverage level, and related details you provide in quote forms.
- Device and usage data: IP address, browser type, operating system, pages visited, and time spent on our site. Collected via cookies and server logs.
- Email subscription data: if you subscribe to our Money 101 blog newsletter, we track your email address, subscription date, and engagement (opens/clicks) for deliverability and compliance purposes.
2. How We Use Your Information
We use the information we collect to:
- Connect you with licensed insurance agents who can provide quotes for the coverage types you're interested in.
- Deliver the insurance quote comparison service you've requested.
- Send you educational content from our Money 101 blog if you've opted in to our newsletter (you can unsubscribe at any time).
- Improve our website, user experience, and service delivery.
- Comply with applicable legal obligations, including TCPA and state insurance regulations.
3. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to operate our site and understand how visitors use it:
- Essential cookies: required for the site to function (e.g., form submissions, session management). These cannot be disabled without affecting site functionality.
- Analytics cookies: we use Google Analytics 4 (GA4) to understand how visitors navigate our site, which pages are most visited, and where traffic comes from. Data is aggregated and anonymized where possible.
- Advertising cookies: Google AdSense and Meta Pixel (Facebook) may set cookies to deliver relevant advertisements based on your visit. You can opt out of Google's personalized advertising at google.com/settings/ads.
- Affiliate cookies: if you click Amazon Associates links on our Money 101 blog, Amazon may set a cookie to track referral commissions. This is standard practice for affiliate programs.
You can control your cookie preferences through your browser settings. Note that disabling cookies may affect site functionality.
4. Third-Party Sharing
We share your information with the following categories of third parties:
- Insurance agent partners: when you submit a quote request, your information (name, email, phone, ZIP, insurance preferences) may be shared with up to 3 licensed insurance agents in your area who offer the coverage type you've requested. These agents are independent; they have their own privacy policies governing how they use your data.
- Google AdSense: we use Google AdSense to display ads on our site. Google may collect information about your visit through cookies and web beacons. You can review Google's privacy policy at policies.google.com/privacy.
- Amazon Associates: our Money 101 blog contains affiliate links to Amazon.com. Amazon may collect information about your interactions with affiliate links per Amazon's privacy policy: amazon.com/privacy.
- Email service provider: our email newsletter (Money 101 blog subscriptions) is delivered via Postmark. They process email addresses and sending metrics under a data processing agreement.
- Analytics services: Google Analytics 4 and Meta Pixel collect visitor data as described above. Data is processed under their respective privacy policies.
- Legal compliance: we may disclose your information when required by law, court order, subpoena, or to comply with insurance regulatory requirements.
We do not sell your personal information to data brokers or unrelated third parties.
5. Data Retention
We retain your personal information for as long as necessary to provide the services you've requested and comply with legal obligations. Insurance leads are retained for a minimum of 3 years for regulatory compliance. Newsletter subscribers can request deletion at any time.
6. Your Rights
Depending on where you live, you may have the following rights regarding your personal information:
- Access: request a copy of the personal information we hold about you.
- Correction: request that we correct inaccurate information.
- Deletion: request deletion of your information (subject to legal retention requirements).
- Opt-out: unsubscribe from marketing emails at any time using the unsubscribe link in any email. You can also contact us to opt out.
- CCPA rights (California residents): California residents have the right to know what personal information is collected, request deletion, and opt out of the sale of personal information. We do not sell personal information. To exercise your rights, submit a data deletion request or contact us.
- State-specific privacy rights: Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and Texas (TDPSA) residents may have additional data privacy rights. Contact us to exercise these rights.
7. TCPA and Communication Preferences
By submitting a quote request form with TCPA consent checked, you expressly consent to receive autodialed or prerecorded calls and text messages from YellowBus.com and its licensed insurance agent partners at the phone number you provided. Standard messaging and data rates may apply. Consent is not required to make a purchase. You may withdraw consent at any time by contacting us or replying STOP to any text message.
8. Security
We implement industry-standard security measures to protect your personal information, including encryption in transit (HTTPS), access controls, and regular security reviews. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we make significant changes, we'll update the "Last updated" date at the top of this page and, for material changes, provide additional notice (e.g., a banner on our homepage). Continued use of our service after changes constitutes acceptance of the updated policy.
11. Contact Us