Last Updated: September 26, 2026

Welcome to Insurance Review Lab (“Website,” “we,” “our,” or “us”), accessible at https://www.insurancereviewlab.com.

Insurance Review Lab respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how information is collected, used, stored, and disclosed when you use our Website.

By accessing or using this Website, you agree to the terms described in this Privacy Policy.

1. Information We Collect

We may collect information you voluntarily provide as well as information collected automatically.

Information You Provide

You may provide personal information, including:

  • Email address
  • First name
  • Last name
  • Information submitted through contact forms
  • Newsletter subscription details
  • Information submitted during promotions or surveys
  • Social media profile information through authentication services such as:
  • Connect with Facebook
  • Sign in with Twitter/X
  • Other social login providers

Depending on the platform and permissions granted, social login data may include:

  • Name
  • Username
  • Email address
  • Profile image
  • Public profile details

You may choose not to provide certain information, although doing so may limit some Website functionality.

2. Information Collected Automatically

We may automatically collect information such as:

  • IP address
  • Browser type
  • Device information
  • Operating system
  • Referring website
  • Pages viewed
  • Time spent on pages
  • Click behavior
  • Date and time of visits
  • General location information
  • Cookies and similar technologies

3. Cookies and Tracking Technologies

We use cookies, pixels, tags, and related technologies to improve Website performance and user experience.

Cookies may be used for:

  • Website functionality
  • Analytics
  • Advertising
  • User preferences
  • Affiliate tracking
  • Fraud prevention
  • Marketing personalization

You can disable cookies through your browser settings. Certain Website features may not function correctly if cookies are disabled.

4. Analytics Services

We use analytics services, including:

  • Google Analytics
  • Similar tracking or analytics tools

These services help us understand:

  • visitor behavior
  • traffic patterns
  • engagement
  • content performance

Google Analytics may collect information through cookies and similar technologies.

To learn more about Google’s practices, visit Google’s privacy resources.

Users may opt out using browser settings or available opt-out tools.

4.1 Google Ads API and IRL AI Core

When you authorize IRL AI Core to connect to a Google Ads account, the application uses Google’s OAuth 2.0 authorization process to access the Google Ads API for the purposes described on the IRL AI Core application page.

IRL AI Core currently uses the Google Ads API for keyword research and content-planning activities within the Insurance Review Lab research workflow.

The Google Ads data accessed through this integration may include keyword-planning metrics such as:

  • average monthly search volume;
  • competition and competition index;
  • average cost-per-click data; and
  • historical monthly search-volume data.

This information is used to support research analysis, keyword evaluation, and content-planning workflows for Insurance Review Lab.

How Google Ads Data Is Processed

Google Ads keyword metrics are processed within the IRL AI Core research workflow and may be retained as part of research artifacts and related internal processing.

The application may also derive non-identifying research signals from keyword metrics, where applicable, to support internal research and content-planning decisions.

In the current automated article-writing workflow, the raw Google Ads keyword-metrics artifact is not included in the input supplied to the article-generation model. The article-writing layer receives section-scoped evidence selected by the research pipeline rather than the raw Google Ads metrics artifact.

This statement describes the current implementation and may change if the data flow or application architecture changes.

Google Ads Data and Third Parties

We do not sell Google Ads API data or provide it to data brokers.

IRL AI Core does not currently use Google Ads keyword-planning data for advertising targeting, retargeting, creditworthiness assessments, lending decisions, or similar unrelated purposes.

Where Google Ads-derived information is processed by the application, its use is limited to the research and content-planning purposes described in this Privacy Policy and on the IRL AI Core application page.

OAuth Authorization and Credentials

Access to Google Ads is authorized through Google’s OAuth 2.0 authorization process.

IRL AI Core does not request or collect a user’s Google account password.

OAuth credentials and authorization tokens used to connect to Google services are treated as confidential credentials and are not intentionally published in the website, source repository, research artifacts intended for public distribution, or application logs.

Users may review or revoke third-party application access through their Google Account permissions.

Storage and Retention

Google Ads data processed by IRL AI Core may be stored as part of internal research artifacts and processing records for as long as reasonably necessary to operate the research workflow, maintain research lineage and auditability, protect the security of the service, resolve disputes, enforce applicable policies, and comply with legal obligations.

Retention periods may vary depending on the type of record and its role in the research workflow.

Limited Use of Google Data

IRL AI Core uses Google Ads API data only for the purposes disclosed in this Privacy Policy and the IRL AI Core application description.

The application does not use Google Ads API data for purposes that are unrelated to the authorized research and content-planning functionality described above.

5. Advertising and Third-Party Ad Networks

We use advertising services, including:

  • Google AdSense
  • Third-party advertising networks
  • Sponsored content partners
  • Advertising technology platforms

Third-party advertising companies may use cookies, web beacons, and similar technologies to serve personalized advertisements based on prior visits and browsing activity.

Advertising providers may collect:

  • browsing behavior
  • interests
  • device information
  • approximate location
  • interaction data

We do not directly control third-party cookies or advertising technologies.

6. Affiliate Links Disclosure

Insurance Review Lab participates in affiliate marketing programs.

Certain links on the Website may be affiliate links. If you click an affiliate link and make a purchase or complete an action, we may receive compensation at no additional cost to you.

Affiliate programs may use cookies or tracking technologies to attribute referrals.

7. How We Use Information

We may use collected information to:

  • operate and maintain the Website
  • improve content and user experience
  • analyze Website performance
  • personalize content and advertising
  • Provide newsletters and marketing emails
  • send updates and promotions
  • administer contests or surveys
  • respond to inquiries
  • monitor fraud or abuse
  • comply with legal obligations

8. Email Marketing Communications

When you subscribe or provide contact information, you consent to receive communications, including:

  • newsletters
  • educational content
  • promotional messages
  • affiliate offers
  • marketing communications
  • Website updates

You may unsubscribe at any time using the unsubscribe link included in emails.

9. Legal Bases for Processing (GDPR)

For visitors located in the European Economic Area (EEA), the United Kingdom, or similar jurisdictions, we process personal information under one or more lawful bases, including:

  • consent
  • contractual necessity
  • legitimate interests
  • legal obligations
  • protection of rights

Where consent is required, you may withdraw consent at any time.

10. GDPR Privacy Rights

If GDPR applies to you, you may have the right to:

  • access your personal information
  • request corrections
  • request deletion
  • Request restrictions on processing
  • object to processing
  • Request portability of data
  • withdraw consent

Requests may be submitted via email.

11. California Privacy Rights (CCPA + CPRA)

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

Right to Know

You may request information regarding:

  • categories of personal information collected
  • sources of collection
  • business purposes
  • categories of disclosures

Right to Access

You may request access to specific information collected about you.

Right to Delete

You may request deletion of personal information, subject to legal exceptions.

Right to Correct

You may request correction of inaccurate information.

Right to Limit Use of Sensitive Information

Where applicable, you may request limitations on the use of sensitive personal information.

Right to Non-Discrimination

We will not discriminate against you for exercising privacy rights.

Sale or Sharing of Personal Information

We do not sell personal information in the traditional sense.

However, advertising technologies and analytics services may constitute “sharing” under certain privacy laws.

Users may submit privacy requests by contacting us.

12. Categories of Information Collected Under CCPA/CPRA

Categories may include:

  • identifiers
  • internet activity
  • device information
  • geolocation data
  • account information
  • social profile information
  • marketing preferences

13. CalOPPA Compliance

In accordance with the California Online Privacy Protection Act (CalOPPA):

Users can visit our Website anonymously.

Our Privacy Policy link includes the word “Privacy” and is accessible from our Website.

Users will be notified of Privacy Policy updates on this page.

Users may contact us regarding changes or questions.

Do Not Track Signals

Some browsers support “Do Not Track” signals.

Because there is no universal standard governing such signals, our Website may not currently respond to them.

14. Data Retention

We retain information only for as long as necessary to:

  • provide services
  • fulfill business purposes
  • comply with legal obligations
  • resolve disputes
  • enforce policies

15. Data Security

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

No transmission method or electronic storage system can be guaranteed as completely secure.

16. Children’s Privacy

This Website is not intended for children under the age of 13.

We do not knowingly collect personal information from children under 13.

If such information is discovered, it will be removed promptly.

17. Third-Party Websites

Our Website may contain links to external websites.

We are not responsible for the privacy practices or content of third-party websites.

Users should review those privacy policies independently.

18. International Users

Your information may be transferred to and processed in the United States and other countries where privacy laws may differ from those in your jurisdiction.

By using this Website, you consent to such transfers where legally permitted.

19. Additional Languages

This Privacy Policy is provided in English and may be translated into additional languages for convenience.

If differences exist between translated versions and the English version, the English version shall control.

20. Changes to This Privacy Policy

We may revise this Privacy Policy periodically.

Changes become effective immediately upon posting the updated version on this page.

Please review this page regularly.

21. Contact Information

For questions, privacy requests, or concerns regarding this Privacy Policy, contact:

Insurance Review Lab
Email: [email protected]