1. Introduction
Watch Insurance Guide (referred to as "we", "our", or "the Site") operates this website to provide editorial estimates and educational information about luxury watch insurance in the United States. This Privacy Policy explains what information we collect, how we use it, and the rights you have over your personal data.
By using this website, you consent to the data practices described in this policy. If you do not agree with our practices, please discontinue use of the Site.
2. Information We Collect
We collect two categories of information:
Information you provide voluntarily
The watch insurance calculator on this Site processes the values you enter (state of residence, watch brand, declared value) locally in your browser. These inputs are not transmitted to or stored on our servers. We do not require or collect names, email addresses, phone numbers, or financial account details to use the calculator.
If you contact us through the email address listed on our Contact page, we will receive the information you choose to send (typically your name, email address, and the contents of your message).
Information collected automatically
When you visit the Site, our hosting infrastructure and third-party services automatically collect certain technical information, including:
- IP address and approximate geographic location (country, region)
- Browser type, version, and language settings
- Operating system and device type
- Referring website or search query
- Pages viewed, time spent, and interaction patterns
- Date and time of access
3. How We Use Information
We use collected information for the following purposes:
- To operate, maintain, and improve the Site
- To analyze aggregate traffic patterns and user behavior
- To detect and prevent fraud, abuse, and security incidents
- To serve relevant advertisements through Google AdSense
- To respond to inquiries submitted through our contact channels
- To comply with legal obligations
We do not sell personal information to third parties.
4. Cookies & Tracking Technologies
This Site uses cookies and similar technologies to enhance your experience and deliver advertising. A cookie is a small text file stored on your device.
We use the following categories of cookies:
- Essential cookies — required for the Site to function, such as load-balancing and security cookies set by Cloudflare.
- Analytics cookies — used to understand how visitors interact with the Site (e.g., Google Analytics).
- Advertising cookies — set by Google AdSense and its partners to display personalized advertisements based on your interests.
You can control cookies through your browser settings. Most browsers allow you to refuse, accept, or delete cookies. Note that disabling cookies may affect Site functionality.
5. Google AdSense & Advertising
This Site is monetized through Google AdSense, a third-party advertising service provided by Google LLC. Google uses cookies to serve ads based on your prior visits to this Site or other websites.
Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this Site and other sites on the Internet. You may opt out of personalized advertising by visiting Google's Ads Settings.
You may also opt out of some third-party vendors' use of cookies for personalized advertising by visiting aboutads.info.
We use the following Google services for advertising and analytics:
- Google AdSense
- Google DoubleClick / Google Ad Manager
- Google Analytics (where applicable)
Google's privacy practices are described in the Google Privacy Policy.
6. Analytics
We may use analytics tools (such as Google Analytics or Cloudflare Web Analytics) to understand aggregate traffic patterns. These tools collect information such as the pages you visit, the time spent on those pages, and general device information. The information is processed in a manner that does not personally identify individual visitors.
7. Third-Party Links
The Site contains links to third-party insurance providers and informational resources, including Jewelers Mutual, Chubb, BriteCo, Hodinkee Insurance, Lavalier, State Farm, and GEICO. We are not affiliated with and do not endorse any specific insurer. These links are provided for informational purposes only.
We are not responsible for the privacy practices, content, or accuracy of third-party websites. When you click a link to an external site, that site's own privacy policy applies. We recommend reviewing the privacy policy of any third-party website before sharing personal information.
8. Data Sharing
We do not sell, rent, or trade your personal information. We may share information in the following limited circumstances:
- Service providers — such as our hosting provider, content delivery network (Cloudflare), and analytics services, who process data on our behalf under contractual safeguards.
- Advertising partners — Google AdSense and its certified partners, as described above.
- Legal compliance — when required by law, court order, or to protect our rights and safety.
- Business transfers — in the event of a merger, acquisition, or sale of assets.
9. Data Retention
We retain technical log data for a limited period, typically no longer than 90 days, after which it is anonymized or deleted. Aggregate analytics data may be retained indefinitely in non-identifying form. Email correspondence is retained as long as necessary to respond to your inquiry and for record-keeping purposes.
10. Your Rights (GDPR)
If you are located in the European Economic Area, the United Kingdom, or Switzerland, you have the following rights under the General Data Protection Regulation (GDPR):
- Right of access — to obtain confirmation of whether we process your personal data and a copy of that data.
- Right to rectification — to request correction of inaccurate or incomplete data.
- Right to erasure — to request deletion of your personal data in certain circumstances.
- Right to restrict processing — to request that we limit how we use your data.
- Right to object — to object to processing based on legitimate interests, including direct marketing.
- Right to data portability — to receive your data in a structured, machine-readable format.
- Right to withdraw consent — at any time, where processing is based on consent.
To exercise these rights, contact us using the details on our Contact page.
11. California Residents (CCPA / CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with additional rights regarding your personal information:
- The right to know what personal information we collect, use, and disclose.
- The right to delete personal information we have collected.
- The right to correct inaccurate personal information.
- The right to opt out of the "sale" or "sharing" of personal information.
- The right to non-discrimination for exercising your privacy rights.
- The right to limit the use of sensitive personal information.
We do not knowingly sell personal information. However, the use of advertising cookies through Google AdSense may be considered "sharing" under California law. You can opt out by adjusting your Google Ads Settings or your browser settings.
12. Children's Privacy
This Site is not directed to individuals under the age of 16. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. The "Last updated" date at the top of this page indicates when the policy was most recently revised. We encourage you to review this page periodically.
14. Contact Us
If you have questions about this Privacy Policy or wish to exercise any of your privacy rights, please reach us through our Contact page.