Last updated: February 10, 2026
This Privacy Policy describes how JQC Labs (“we”, “us”, or “our”) collects, uses, discloses, and protects information when you access or use MyInsuranceCosts (the “Service”), owned and operated by JQC Labs.
This Privacy Policy applies only to MyInsuranceCosts and governs data practices specific to this Service.
By accessing or using the Service, you consent to the collection, use, and disclosure of information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Service.
1. Information We Collect
1.1 Information You Provide
The Service does not require user accounts and does not require you to provide personal information in order to use its tools.
You may voluntarily provide information when interacting with optional forms or communications. Any such information is provided at your discretion.
The Service is not designed to collect or process sensitive personal information. You should not submit sensitive personal data through the Service, including but not limited to:
- Social Security numbers or other government-issued identification numbers
- Insurance policy numbers or insurance claim numbers
- Financial account, banking, or payment card information
- Medical records or protected health information (PHI)
- Login credentials for insurance, financial, or healthcare accounts
1.2 Calculator Inputs and Tool Usage
The Service provides calculators, estimators, simulators, and decision-support tools related to insurance costs, deductibles, risk, and cash exposure.
Inputs entered into these tools are processed transiently in order to generate outputs and are not intentionally stored, retained, or associated with individual users. Inputs exist only for the duration necessary to provide the requested functionality.
All outputs are estimates provided for informational and educational purposes only and do not constitute insurance, financial, medical, or legal advice.
1.3 Automatically Collected Information
When you access the Service, certain information may be collected automatically, including:
- Device type, browser type, and operating system
- IP address and approximate geographic location
- Pages visited, interaction patterns, and usage data
- Performance, diagnostic, and error data
This information is collected for operational, security, analytics, performance monitoring, and improvement purposes.
2. Cookies and Similar Technologies
The Service uses cookies and similar technologies for functionality, security, analytics, performance monitoring, and monetization.
Cookies help us understand usage patterns, diagnose technical issues, and improve the reliability and effectiveness of the Service.
Advertising-related cookies may be used to display advertisements, measure advertising performance, or support monetization. Advertising practices may vary over time depending on configuration and content.
3. How We Use Information
We may use information collected through the Service for purposes that include:
- Operating, maintaining, and improving the Service
- Processing tool inputs and generating outputs
- Monitoring performance, usage, and security
- Debugging, testing, and development
- Complying with legal obligations
- Protecting the rights, safety, and property of JQC Labs and users
4. Insurance and Health-Related Information
MyInsuranceCosts does not provide insurance quotes, insurance policies, underwriting decisions, claim determinations, medical advice, or healthcare services.
The Service does not access, collect, store, or maintain insurance account data, insurance claim records, or protected health information (PHI).
Any references to insurance concepts, health insurance scenarios, deductibles, claims, or usage examples are illustrative and educational only.
5. Advertising and Monetization
The Service may be monetized through advertising, sponsored content, affiliate-based content, or other monetization methods. Monetization methods may vary and may change over time.
We do not sell personal information. Advertising-related data collection may be performed by third-party services subject to their own privacy practices.
6. How We Share Information
We do not sell personal information. We may share information only in the following limited circumstances:
- With service providers that assist in operating, securing, analyzing, or monetizing the Service
- To comply with applicable laws, regulations, legal processes, or lawful requests
- To enforce our terms and policies or protect our rights and property
- In connection with a merger, acquisition, reorganization, or transfer of assets
7. Data Retention
We retain information only for as long as reasonably necessary to operate the Service, comply with legal obligations, resolve disputes, and enforce our agreements.
Aggregated or anonymized information that does not identify individuals may be retained indefinitely.
8. Your Rights and Choices
Depending on your location and applicable law, you may have rights regarding your personal information, including rights to access, correct, delete, or object to certain processing activities.
Requests may be submitted using the contact information below. We will respond in accordance with applicable law.
9. International Users and Legal Bases
For users located in jurisdictions that require a lawful basis for processing personal information, we process information based on legitimate interests, consent where applicable, and compliance with legal obligations.
California residents and other users with additional statutory rights may have specific rights under applicable privacy laws.
10. Data Security
We use reasonable administrative, technical, and organizational measures to protect information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
11. Children’s Privacy
The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from individuals under 18.
12. Third-Party Services
The Service may integrate with or rely on third-party services for analytics, advertising, security, or other functions.
This Privacy Policy does not apply to third-party services, and we are not responsible for their privacy practices.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on the Service and will become effective when posted. Continued use of the Service after changes take effect constitutes acceptance of the updated Privacy Policy.
14. Privacy Contact
If you have any questions or concerns about this Privacy Policy or our data practices, you may contact JQC Labs at:
- Email: legal@jqclabs.com