We respect your privacy and are committed to protecting your personal information
At SmartValueSavings ("we," "us," or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, request insurance quotes, purchase policies, or interact with our services.
By using our services or website, you consent to the practices described in this Privacy Policy. If you do not agree with these practices, please do not use our services.
We use your information for the following purposes:
We maintain comprehensive records of all user consents to ensure full transparency and compliance with data protection regulations. Our consent documentation includes:
These records are retained in accordance with applicable data protection laws and can be provided to regulatory authorities or to you upon request.
Optional Marketing Consent
When you request an insurance quote, you have the option to consent to marketing communications. This consent is completely optional and separate from your quote request.
What You're Agreeing To
If you check the marketing consent box, you authorize:
To contact you via:
Communication Frequency
Partner Disclosure
We share your contact information with Pacific Haven Insurance only if you provide marketing consent. This partnership allows us to provide you with competitive insurance quotes.
Your Consent Record
We maintain a complete audit trail of your consent including:
Proof of Opt-In
You can request a copy of your consent record at any time by emailing info@smartvaluesavings.com with "CONSENT RECORD REQUEST" in the subject line.
How to Unsubscribe
You can unsubscribe from marketing communications at any time:
We will process your unsubscribe request immediately (within 24 hours maximum).
Note: Unsubscribing from marketing emails will not affect transactional emails related to your quote requests or customer service inquiries.
Third-party vendors who assist with policy processing, payment processing, IT services, marketing, and analytics
Licensed insurer Pacific Haven Insurance for quote generation, policy underwriting, and claims processing. We share minimal data (e.g., quote details) only with your consent—no sale of personal information without explicit opt-in.
When you request insurance quotes through our forms, you will see a clear list of insurance partners who may receive your information to provide you with competitive quotes. We limit partner sharing to a maximum of 10 insurance providers per request. All partner names are displayed on the opt-in form before you submit your information, ensuring complete transparency.
Our Insurance Partners: We work with top-rated, licensed insurance providers including major carriers such as State Farm, Allstate, Progressive, GEICO, Nationwide, Liberty Mutual, Farmers, USAA, Travelers, and other A+ rated carriers. The specific partners shown to you will depend on your location and insurance needs. A complete list of partners relevant to your quote request is always displayed before you submit your information.
All partners are GDPR/CCPA-compliant and contractually obligated to protect your information and use it only for the purpose of providing insurance quotes and services.
When required by law, court order, or government regulation
In connection with mergers, acquisitions, or asset transfers (information may be part of transferred assets)
To protect our rights, property, safety, or that of our users or others
All third parties are contractually obligated to protect your information and use it only for authorized purposes.
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal requirements, resolve disputes, and enforce agreements. Retention periods vary based on the type of information and applicable regulations.
Typical Retention Periods:
Cookies are small text files stored on your device when you visit our website. They help us remember your preferences, login information, and browsing behavior.
You can configure your browser to delete or reject cookies. However, disabling cookies may affect website functionality. Check your browser's privacy settings for specific instructions.
We implement industry-standard security measures to protect your information, including:
Important: While we strive to protect your information, no system is 100% secure. We cannot guarantee absolute security but continually work to improve our safeguards.
Depending on your state of residence, you may have the following rights:
To exercise these rights, contact us using the information in Section 9 or submit a request here. We'll respond within 45 days (or as required by applicable law).
You can unsubscribe from marketing communications at any time by:
We will process all unsubscribe requests within 10 business days as required by applicable anti-spam regulations.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any personal information.
For questions about this Privacy Policy or to exercise your privacy rights, contact us at:
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Updates will be posted on this page with a revised "Last Updated" date. Material changes will be communicated via email to registered users at least 30 days before taking effect. We encourage you to review this policy regularly.
California residents have additional rights under the California Consumer Privacy Act, including:
Categories of Personal Information We Collect: Identifiers, insurance-related information, internet activity, geolocation data, and inferences drawn from this information.
Business Purpose for Collection: Insurance quote generation, lead generation services, customer service, fraud prevention, and legal compliance.
Residents of states with comprehensive privacy laws have similar rights to access, correct, delete, and opt-out of certain data processing activities. Contact us for more information about your specific rights under applicable state laws.
By using our services, you acknowledge that you have read and understand this Privacy Policy.