Privacy Policy

Information We Collect

When you interact with the Carma Warranty website or request a quote for vehicle protection coverage, we may collect several categories of information from you. The types of data gathered depend on how you engage with our platform and the services you request.

Personal identification information includes your full name, mailing address, email address, telephone number, and date of birth. We collect this data when you submit a quote request form, call our customer service line, send us an email, or otherwise voluntarily provide it through our website interface. Additionally, we may collect vehicle-related information such as your Vehicle Identification Number or VIN, make, model, year, current mileage, and service history. This vehicle data is essential for generating accurate warranty quotes and determining eligibility for coverage plans.

Automatically collected information includes your Internet Protocol or IP address, browser type and version, operating system, the referring website URL, pages viewed on our site, the date and time of your visit, and other diagnostic data. This technical information is gathered through cookies, web beacons, and similar tracking technologies as you navigate our website. We also collect usage data such as links clicked, time spent on pages, scroll depth, and form interaction patterns to improve the user experience and optimize our website performance.

How We Use Your Information

Carma Warranty uses the information we collect for a variety of business purposes that are essential to delivering our vehicle protection services. The primary use of your personal data is to process quote requests, evaluate eligibility for warranty coverage, and communicate with you about available protection plans that match your vehicle and budget. When you submit a quote request form or call our team, we use your contact details and vehicle information to prepare personalized coverage options and follow up with you regarding your inquiry.

We also use your information to improve and maintain our website, analyze usage patterns, detect and prevent fraudulent activity, comply with legal obligations, and enforce our terms of service. Your data helps us understand how visitors interact with our platform so we can enhance navigation, fix technical issues, and deliver a better overall experience. If you choose to enroll in one of our warranty plans, we use your personal and vehicle data to administer your coverage, process claims, communicate important plan updates, and manage your account on an ongoing basis.

In addition, we may use your contact information to send you relevant marketing communications about new coverage options, promotional offers, or service updates. You may opt out of receiving marketing emails at any time by using the unsubscribe link included in each message or by contacting us directly at talk@carmawarranty.hair. Please note that even if you opt out of marketing communications, we may still send you transactional or service-related messages that are necessary for your account or active coverage plan.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors come from. A cookie is a small text file that is placed on your device when you visit a website. Cookies allow our site to recognize your browser and remember certain information such as your preferences, login status, and past interactions.

We use session cookies that expire when you close your browser and persistent cookies that remain on your device for a set period or until you delete them. These cookies help us maintain the functionality of our website, remember your selections, and gather analytics data about how visitors use our platform. We also use third-party analytics cookies from services like Google Analytics to measure website traffic, user engagement, and conversion metrics.

You can control cookie preferences through your browser settings. Most web browsers allow you to block cookies, delete existing cookies, or receive a warning before a cookie is stored. However, if you disable cookies entirely, some features of our website may not function as intended. By continuing to browse our website without adjusting your cookie settings, you acknowledge and agree to our use of cookies as described in this policy. For more detailed information about the specific cookies we use, please contact our support team.

How We Share Your Information

Carma Warranty does not sell, rent, or trade your personal information to third parties for their own marketing purposes. We only share your data under specific circumstances and with trusted partners who help us deliver our services. The limited sharing of information is governed by confidentiality agreements and applicable data protection laws.

We may share your information with third-party service providers who perform functions on our behalf, such as payment processing, claims administration, customer support platforms, email delivery services, website hosting, and data analytics. These service providers are contractually obligated to use your information only for the purposes of providing the services we have engaged them to perform and are required to maintain appropriate security measures to protect your data.

We may also disclose your information if required by law, regulation, or legal process, such as in response to a court order, subpoena, or government investigation. Additionally, we reserve the right to share information to protect our rights, property, or safety and that of our customers, employees, or the public. In the event of a merger, acquisition, or sale of company assets, your information may be transferred to the successor entity as part of the transaction, subject to the same privacy commitments outlined in this policy.

Data Security Measures

We take the security of your personal information seriously and implement a range of administrative, technical, and physical safeguards designed to protect your data from unauthorized access, disclosure, alteration, or destruction. Our security practices are regularly reviewed and updated to address evolving threats and to maintain compliance with industry standards.

Technical safeguards include the use of Secure Socket Layer or SSL encryption technology to protect data transmitted between your browser and our servers. All sensitive information you submit through our website is encrypted during transit. Our servers are hosted in secure data centers with restricted physical access, fire suppression systems, redundant power supplies, and 24-hour monitoring. We employ firewalls, intrusion detection systems, and regular vulnerability scanning to defend against cyber threats.

Administrative safeguards include access controls that limit employee access to personal information based on job responsibilities and a need-to-know basis. Our staff receives regular training on data privacy and security best practices. We maintain an incident response plan to address any data breach quickly and effectively, and we will notify affected individuals as required by applicable law if their personal information is compromised. Despite our best efforts, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

Data Retention Policy

Carma Warranty retains your personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws and regulations. The specific retention period depends on the nature of the data, the purpose of collection, and any legal or contractual obligations we must satisfy.

For customers with active warranty plans, we retain account and coverage information for the duration of the contract period plus an additional period required for claims processing, dispute resolution, and legal compliance. For individuals who submit quote requests but do not enroll, we typically retain inquiry data for up to twenty-four months to facilitate follow-up communications and to maintain accurate records of prior interactions. Website analytics data, which is aggregated and anonymized, may be retained indefinitely for historical analysis and reporting purposes.

When personal information is no longer needed for the purposes described in this policy, we securely delete or anonymize the data using industry-standard methods. You may request the deletion of your personal information at any time by contacting us at talk@carmawarranty.hair, and we will respond to your request within the timeframe prescribed by applicable law, subject to any retention requirements mandated by statute or ongoing business necessity.

Your Privacy Rights

Depending on your jurisdiction of residence, you may have certain rights regarding the personal information we hold about you. We respect these rights and provide mechanisms for you to exercise them. The following rights may be available to you under applicable data protection laws such as the California Consumer Privacy Act or CCPA, the General Data Protection Regulation or GDPR for European residents, and similar state and federal statutes.

Your rights may include the right to access the personal data we have collected about you, the right to request correction of inaccurate or incomplete information, the right to request deletion of your personal data under certain circumstances, the right to restrict or object to certain processing activities, the right to data portability where technically feasible, and the right to withdraw consent where processing is based on consent. You also have the right to not be discriminated against for exercising any of these privacy rights.

To exercise any of these rights, please submit a verifiable request by email to talk@carmawarranty.hair or by calling our customer service team at +1-747-688-5256. We will verify your identity before processing your request to ensure the security of your data. When necessary, we may request additional information to confirm your identity. We aim to respond to all verified requests within thirty days, though this period may be extended in certain circumstances as permitted by law. If we deny a request, we will explain the reasons for our decision in writing.

Privacy for Children

Our website and vehicle protection services are not directed at individuals under the age of eighteen. Carma Warranty does not knowingly collect, solicit, or maintain personal information from anyone under eighteen years of age. If we become aware that we have inadvertently received personal data from a minor without verified parental consent, we will take immediate steps to delete that information from our records.

If you are a parent or legal guardian and believe that your child has provided personal information to us without your authorization, please contact us immediately at talk@carmawarranty.hair so that we can take prompt corrective action. We encourage parents and guardians to monitor the online activities of minors and to instruct them never to provide personal information through any website without parental permission. Children under the age of thirteen are expressly prohibited from using our website or submitting any personal data to us in accordance with the Childrens Online Privacy Protection Act or COPPA.

Third-Party Links and Services

Our website may contain links to third-party websites, plugins, applications, or services that are not owned or controlled by Carma Warranty. These links are provided for your convenience and informational purposes only. Clicking on such links will direct you away from our website to the third-party platform, at which point our Privacy Policy no longer governs the collection or use of your information.

We do not endorse, screen, or assume responsibility for the privacy practices, content, or security measures of any third-party website or service. We strongly encourage you to review the privacy policies and terms of service of every third-party website you visit before providing any personal information. Carma Warranty is not liable for any damages or consequences arising from your interaction with third-party sites, even if those sites are linked from our platform. If you have concerns about a third-party link on our website, please notify us and we will assess whether the link should be removed.

International Data Transfers

Carma Warranty is based in the United States, and our servers and operations are located within the United States. If you access our website or services from outside the United States, please be aware that your personal information may be transferred to, stored in, and processed within the United States, where data protection laws may differ from those in your country of residence.

By using our website or providing us with your personal information, you consent to the transfer of your data to the United States and its processing in accordance with this Privacy Policy. We take reasonable steps to ensure that your data receives an adequate level of protection regardless of where it is processed. For residents of the European Economic Area, the United Kingdom, or Switzerland, we implement appropriate safeguards such as Standard Contractual Clauses where required to ensure lawful international data transfers.

Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our data practices, legal requirements, or business operations. When we make material changes to this policy, we will post the revised version on this page and update the effective date noted at the top of the document. We may also provide additional notice through our website homepage or via email to customers with active accounts where warranted by the significance of the changes.

Your continued use of our website and services after any modifications to this Privacy Policy constitutes your acknowledgment and acceptance of the updated terms. We recommend that you review this page periodically to stay informed about how we protect your privacy and handle your personal information. If you disagree with any future changes to this policy, you should discontinue use of our website and services and notify us of your objection.

We maintain an archive of previous versions of this Privacy Policy for your reference. If you would like to review a prior version, please contact our privacy team at talk@carmawarranty.hair and we will provide the requested version within a reasonable timeframe, subject to our document retention practices.

Contact Information for Privacy Matters

If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, we encourage you to reach out to us using the contact information provided below. Our privacy team is available to address your inquiries and ensure your privacy rights are respected. Please include sufficient detail in your communication so that we can respond accurately and efficiently.

You may contact us by email at talk@carmawarranty.hair, by telephone at +1-747-688-5256, or by mail at our registered business address. Our mailing address is CarmaWarranty, LLC, 5 Hutton Centre Drive Suite 200, Santa Ana, California 92707-6773, United States. For written correspondence, please mark your envelope to the attention of the Privacy Compliance Officer. We strive to acknowledge all privacy-related inquiries within two business days and to provide a substantive response within the timeframe required by applicable law.

Governing Law and Jurisdiction

This Privacy Policy and all matters arising from or relating to your privacy rights and the handling of your personal information shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any conflict-of-law principles that would result in the application of the laws of another jurisdiction.

Any dispute, claim, or controversy arising from or related to this Privacy Policy or the collection, use, or disclosure of personal information by Carma Warranty shall be resolved through binding arbitration in Orange County, California, in accordance with the rules of the American Arbitration Association. Both parties agree that any such proceedings shall be conducted on an individual basis only and not as a class action or representative proceeding. You expressly waive any right to participate in a class action lawsuit or class-wide arbitration. This arbitration provision does not preclude either party from seeking injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending the resolution of the arbitration.