Privacy Policy

Effective Date: March 1, 2026

Minnesota Own Your Future ("Minnesota Own Your Future," "we," "us," or "our") operates the website minnesotaownyourfuture.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site, request quotes, subscribe to communications, or interact with our services.

By accessing or using the Site, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use the Site.

1. Information We Collect

Information You Provide Directly

We collect personal information that you voluntarily submit through forms on the Site, including but not limited to:

  • Full name and email address
  • Website URL (when optionally provided on contact forms)
  • Messages and inquiries submitted via contact forms
  • Phone number (when optionally provided during checkout)
  • Newsletter subscription and unsubscription requests
  • Insurance plan selections added to your cart

Information Collected Automatically

When you visit the Site, we may automatically collect certain technical information, including:

  • IP address and approximate geographic location
  • Browser type, operating system, and device identifiers
  • Pages viewed, time spent on pages, and referring URLs
  • Date and time of your visit

This information is collected through cookies, web beacons, and similar tracking technologies as described in Section 3 below.

2. How We Use Your Information

We use the information we collect for the following purposes:

  • To respond to your inquiries and provide insurance quotes and consultations
  • To process cart submissions and connect you with a licensed advisor
  • To send newsletter communications you have subscribed to
  • To improve the Site, user experience, and our service offerings
  • To comply with legal obligations and protect against fraudulent activity
  • To analyze Site usage patterns through aggregated, anonymized data

We do not use your personal information for purposes materially different from those described in this policy without notifying you and, where required, obtaining your consent.

3. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance functionality and analyze traffic. Cookies are small data files stored on your device. We use the following types:

  • Essential Cookies: Required for core Site functionality, including shopping cart persistence via local storage.
  • Analytics Cookies: Help us understand how visitors interact with the Site so we can improve content and navigation.
  • Preference Cookies: Remember your settings and choices during future visits.

You can control cookies through your browser settings. Disabling certain cookies may limit Site functionality, such as cart persistence. We do not use cookies to track you across unrelated third-party websites for advertising purposes.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following limited circumstances:

  • Insurance Carriers and Partners: When you request a quote or enroll in coverage, we may share relevant information with licensed insurance carriers and underwriting partners to prepare and finalize your policy.
  • Service Providers: We engage trusted third-party vendors who assist with website hosting, email delivery, analytics, and customer support. These providers are contractually obligated to protect your data and use it only for the services they perform on our behalf.
  • Legal Requirements: We may disclose information when required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections.

5. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (HTTPS), access controls, and regular security reviews.

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any credentials associated with your interactions with us.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

  • Contact and quote request data is retained for up to three years after your last interaction, unless you request earlier deletion.
  • Newsletter subscription data is retained until you unsubscribe.
  • Cart and checkout data stored in your browser's local storage persists until you clear it or complete checkout.
  • Analytics data is retained in aggregated form and does not identify individual users.

When information is no longer needed, we securely delete or anonymize it in accordance with our data retention schedule.

7. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you.
  • Correction: Request correction of inaccurate or incomplete information.
  • Deletion: Request deletion of your personal information, subject to legal retention requirements.
  • Opt-Out: Unsubscribe from marketing emails at any time via the link in our emails or our unsubscribe page.
  • Restriction: Request that we limit how we use your information in certain circumstances.

To exercise any of these rights, contact us at hello@minnesotaownyourfuture.com. We will respond to verified requests within 30 days.

8. Children's Privacy

The Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete that information promptly. If you believe a child has provided us with personal information, please contact us at hello@minnesotaownyourfuture.com.

9. Third-Party Links

The Site may contain links to third-party websites, including insurance carrier portals and educational resources. We are not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policies of any third-party site you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Effective Date" at the top of this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Minnesota Own Your Future
Email: hello@minnesotaownyourfuture.com
Website: minnesotaownyourfuture.com