Privacy Policy

CortizarAhora

Effective Date: March 1, 2026

California Notice at Collection: See the California Privacy section below for important information regarding your rights under the California Consumer Privacy Act ("CCPA") and related privacy laws.

CortizarAhora and its affiliates ("CortizarAhora," "we," "our," or "us") operate software platforms and related services used by insurance professionals, agencies, and businesses to collect, organize, process, and transmit information related to insurance quoting, policy applications, workflow automation, and related services.

This Privacy Policy describes how CortizarAhora collects, uses, processes, and shares personal information through:

  • our websites
  • software platforms
  • APIs
  • mobile applications
  • integrations
  • communications
  • marketing activities
  • events and promotions

(collectively, the "Services").

By using our Services, you acknowledge that your personal information will be handled as described in this Privacy Policy.

1. Personal Information We Collect

We may collect personal information directly from you, from third parties, and automatically through your interaction with the Services.

Information You Provide to Us

Contact Information

Examples include:

  • First and last name
  • Email address
  • Phone number
  • Mailing or billing address
  • Company name
  • Job title

Account Information

  • Username and password
  • Authentication credentials
  • Profile information
  • Preferences and settings

Communication Data

We may collect communications you send to us including:

  • emails
  • chat messages
  • chatbot interactions
  • SMS messages
  • call recordings
  • video interactions
  • social media communications

Communications may be recorded or monitored for quality, security, compliance, or training purposes.

Transactional Data

Information related to the use of our Services, including:

  • subscription information
  • transaction history
  • billing records
  • order details
  • service usage records

Marketing Preferences

Information regarding:

  • marketing communication preferences
  • advertising engagement
  • promotional participation

User Generated Content

Information you submit to the Services, including:

  • uploaded documents
  • form responses
  • images
  • messages
  • comments
  • data submitted into forms or applications

This may include metadata such as timestamps, location indicators, or device identifiers.

Personal Background Information

Depending on how the Services are used by agents or partners, this may include:

  • demographic information
  • employment information
  • marital status
  • education history
  • nationality
  • citizenship
  • military status

Health Information

Certain Services used for insurance-related workflows may include limited health-related information such as:

  • medical history
  • prescription information
  • health conditions
  • lifestyle indicators (such as tobacco or alcohol use)

This information is collected only when submitted by users or authorized partners.

Financial Information

Examples include:

  • income data
  • insurance coverage history
  • policy numbers
  • financial account information
  • transaction records
  • credit-based insurance scores
  • net worth or financial profile data

Government Identification Data

Examples include:

  • Social Security numbers
  • passport numbers
  • driver's license numbers
  • tax identification numbers
  • immigration identification numbers

This data is typically collected only where required for insurance applications, identity verification, or compliance purposes.

Promotional Information

If you participate in contests, surveys, or promotions, we may collect related information such as eligibility verification and prize distribution details.

Inference Data

We may generate insights about users such as:

  • preferences
  • interests
  • engagement patterns
  • eligibility profiles
  • risk profiles

2. Information From Third Parties

We may receive personal information from:

Insurance Ecosystem Participants

  • insurance agents
  • brokerages
  • insurance carriers
  • managing general agents (MGAs)
  • referral partners
  • financial advisors

Public Sources

  • public records
  • government databases
  • publicly available online information

Consumer Reporting Agencies

  • credit bureaus
  • insurance support organizations
  • fraud prevention networks

Healthcare Providers

Where authorized by the user or permitted by law.

Data Providers

Third-party information providers that supply consumer data, verification services, or analytics.

Marketing Partners

Third parties that:

  • co-sponsor promotions
  • refer customers
  • provide advertising services

Business Transaction Partners

If CortizarAhora undergoes:

  • merger
  • acquisition
  • restructuring
  • financing
  • asset sale

personal information may be transferred to transaction participants.

Third-Party Login Services

If you sign in using services like Google, Facebook, or similar platforms, we may receive information associated with that account.

3. Automatic Data Collection

We and our partners may automatically collect technical information including:

Device Information

  • device type
  • operating system
  • browser type
  • IP address
  • screen resolution
  • device identifiers
  • network information

Online Activity

  • pages visited
  • navigation paths
  • time spent on pages
  • interactions with forms
  • interactions with emails
  • access times

Location Data

Approximate geographic location inferred from:

  • IP address
  • device settings
  • network information

Communication Interaction Data

For example:

  • email open tracking
  • link clicks
  • message engagement

4. Tracking Technologies

We use technologies including:

  • cookies
  • pixels
  • local storage
  • analytics tools
  • advertising identifiers

These technologies help us:

  • operate the Services
  • improve performance
  • measure engagement
  • personalize experiences
  • deliver advertising

Users can control cookie settings through browser preferences.

5. How We Use Personal Information

We use personal information for the following purposes:

Service Operation

  • provide and maintain the Services
  • manage accounts
  • process transactions
  • authenticate users
  • provide customer support

Platform Functionality

  • facilitate insurance quoting workflows
  • process insurance application data
  • manage submissions to carriers or partners

Personalization

  • improve user experience
  • customize communications
  • store preferences

Platform Improvement

We analyze usage to:

  • improve product functionality
  • develop new features
  • detect bugs
  • enhance security

Artificial Intelligence and Machine Learning

We may use personal information to:

  • develop AI models
  • improve automation
  • generate insights
  • improve quoting workflows
  • assist agents with customer communications

AI systems may process data for:

  • analytics
  • underwriting assistance
  • fraud detection
  • predictive modeling

We may also use aggregated or de-identified data for these purposes.

Marketing and Advertising

We may send marketing communications regarding:

  • product updates
  • events
  • educational materials
  • service offerings

Users may opt out of marketing communications at any time.

Legal Compliance

We may process information to:

  • comply with legal obligations
  • respond to subpoenas
  • prevent fraud
  • investigate security incidents

6. How We Share Personal Information

We may share information with:

Affiliates

Members of the CortizarAhora corporate family.

Service Providers

Third parties that assist with:

  • cloud hosting
  • payment processing
  • analytics
  • identity verification
  • fraud detection
  • customer support
  • communications infrastructure

Insurance Industry Participants

Including:

  • insurance carriers
  • licensed agents
  • brokerages
  • referral partners
  • underwriting partners

Marketing and Advertising Partners

Companies that assist with marketing campaigns or targeted advertising.

Analytics and AI Providers

Third-party services that help analyze data or provide machine learning tools.

Professional Advisors

Lawyers, auditors, insurers, and consultants.

Legal Authorities

When required by law or to protect legal rights.

Corporate Transaction Participants

If CortizarAhora undergoes a merger, acquisition, or restructuring.

7. Aggregated and De-Identified Data

We may create aggregated, anonymized, or de-identified data from personal information.

This data may be used for:

  • analytics
  • product development
  • research
  • marketing insights
  • benchmarking

De-identified data may be shared with third parties.

8. Data Retention

We retain personal information only as long as necessary for:

  • business operations
  • legal compliance
  • dispute resolution
  • fraud prevention

Retention periods depend on:

  • legal requirements
  • sensitivity of the data
  • operational needs

We may delete, anonymize, or isolate data once it is no longer needed.

9. Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect personal information.

However:

  • No system is completely secure
  • Internet transmission carries inherent risk
  • CortizarAhora cannot guarantee absolute security

Users should also take precautions to protect account credentials.

10. International Data Transfers

CortizarAhora operates primarily in the United States.

Your personal information may be processed in the United States or other jurisdictions with different privacy protections.

By using the Services, you consent to these transfers.

11. Children

The Services are not intended for individuals under the age of 18.

If we discover that we have collected personal information from a child without appropriate consent, we will delete that information.

12. Your Privacy Rights

Depending on your location, you may have rights including:

  • access to your personal information
  • correction of inaccurate information
  • deletion requests
  • restriction of processing
  • data portability
  • opt-out of marketing communications

To exercise these rights, contact us at the email listed below.

13. California Privacy Rights

California residents may have rights under the California Consumer Privacy Act (CCPA) including:

  • the right to know what personal information is collected
  • the right to access collected data
  • the right to request deletion
  • the right to request correction
  • the right to opt out of the sale or sharing of personal information
  • the right to non-discrimination

We may verify identity before responding to requests.

Authorized agents may submit requests on behalf of consumers where legally permitted.

14. Third-Party Websites and Services

Our Services may contain links to third-party websites or integrations.

CortizarAhora is not responsible for the privacy practices of third parties.

Users should review the privacy policies of those services.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

If material changes occur, we will update the effective date and post the revised policy on our website.

Continued use of the Services constitutes acceptance of the updated policy.

16. Contact Information

If you have questions regarding this Privacy Policy, contact:

CortizarAhora

Email: privacy@cortizarahora.com

Address: Coming Soon

Phone: Coming Soon