TopTipHacks Privacy Policy and Cookie Policy (Combined, Comprehensive)
Last revised: Decmber 11, 2025
This Privacy Policy and Cookie Policy (the “Policy”) explains how TopTipHacks.com (“TopTipHacks,” “we,” “us,” or “our”) collects, uses, shares, discloses, sells (as that term may be defined under certain U.S. state privacy laws), and otherwise processes information about you in connection with:
the website located at https://toptiphacks.com/
and any other website we own or operate that links to this Policy (collectively, the “Site”), and
any newsletters, forms, lead flows, content feeds, features, transactions, engagements, or other interactions you have with us (collectively, the “Services”).
By accessing or using the Site/Services, you agree to this Policy. If you do not agree, do not use the Site/Services.
- Lead Generation and Advertising Disclaimer
TopTipHacks is a content and marketing website and may also operate lead generation experiences. We are not an insurance company and we are not an insurance agent. We may help connect individuals with third parties that may provide products or services (including auto insurance and related offers), including insurance agents, insurers, and third-party service websites (“Third-Party Providers”). We may receive compensation from Third-Party Providers and advertising partners when you interact with ads, links, offers, or submit forms.
- Policy Changes
We may update this Policy from time to time. Changes are effective immediately upon posting on the Site, unless otherwise stated. We encourage you to review this Policy regularly.
- Information We Collect
a. Personal Information (and related categories)
We may collect information that identifies, relates to, describes, or is reasonably capable of being associated with you (“Personal Information”). Depending on how you use the Site/Services, this may include:
Identifiers: name, email address, phone number, IP address, online identifiers, device identifiers, account credentials (if any), and similar identifiers.
Contact information: mailing address, email address, phone number.
Commercial information: information related to products or services you request or express interest in, including insurance-related interests, vehicle information you provide, residence information, claim history you provide, and desired coverage.
Financial account information: only if you choose to provide it in connection with a specific transaction or request (for example, a payment-related flow, if offered).
Characteristics of protected classifications: only if you voluntarily provide it and where permitted by law (for example, gender or marital status in an insurance quote context, if applicable).
Consumer reports (if applicable): consumer reports such as driving history, criminal history, or credit reports may be obtained by Third-Party Providers in connection with an insurance application or quote request (see Section 3(b)).
Internet or other electronic network activity: browsing history on our Site, interactions with ads, referring/exit pages, clickstream data, search history on our Site, and similar usage details.
Geolocation data: approximate location derived from IP address, and with permission, more precise location from a device (if enabled).
Professional/employment and education information: if you voluntarily provide it in a form flow.
Health information: only if you voluntarily provide it and where permitted (for example, tobacco use in an insurance context, if applicable).
Inferences: inferences drawn from the above to create or refine a profile about preferences and interests (for example, likely interest in certain insurance products or content topics).
b. Consumer Report Notice (Insurance/Lead Flows)
In some cases, Third-Party Providers may need additional background information about you, and consumer reports (including credit reports) may be ordered in connection with an insurance application or quote request. These reports may be used to determine eligibility and pricing, and may be used for updates, renewals, or extensions. By submitting information through our insurance-related lead flows, you provide express consent for relevant Third-Party Providers and associated service providers to obtain and use a consumer report as described above, to the extent permitted by law.
c. Usage Data
We automatically collect information about how you interact with the Site/Services (“Usage Data”), such as IP address, browser type, device type, operating system, ISP, pages viewed, referral/exit pages, date/time stamps, ad interactions, and related analytics.
d. Call Recording (Optional, include only if true)
We and/or our service providers may record calls and retain the content of calls, texts, or other electronic communications between you and us (or our service providers), whether we call you or you call us. By communicating with us, you consent to such recording and retention where permitted by law.
e. Session Recording (Optional, include only if true)
We and/or our service providers may monitor or record activity on our owned or affiliated websites (including clicks and keystrokes) for analytics, fraud prevention, debugging, and quality control purposes. By continuing to use the Site, you consent to such recording where permitted by law.
f. User Content
If you comment, post, participate in forums, or submit content, we collect the information you choose to share. Content you post in public areas may be visible to others.
- How We Collect Information
a. Voluntary Disclosure
We collect information you provide when you fill out forms, subscribe to newsletters, contact us, participate in promotions, post comments, or otherwise interact with us.
b. Third-Party Data Sources
We may obtain Personal Information from third-party sources such as advertising partners, analytics providers, marketing partners, data providers, social networks (if you use social login or sharing), consumer reporting companies (in insurance contexts), and data brokerage companies. We may append such information to information we already have.
c. Cookies and Similar Technologies
We use cookies, pixels, tags, SDKs, and similar technologies to operate the Site, remember preferences, measure performance, personalize content, and support advertising.
- Cookies, Tracking, and Online Advertising
a. Types of Cookies
We may use the following (including first-party and third-party cookies):
Essential cookies required to operate the Site.
Session cookies that expire when you close your browser.
Persistent cookies that remain until deleted or expired.
Analytics and customization cookies (for example, measuring traffic and engagement).
Functionality cookies (for example, language or region preferences).
Advertising cookies used to deliver, measure, and improve ads, including interest-based advertising.
Some cookies may be set by third parties (for example, ad networks, analytics vendors, social platforms). Their collection and use is governed by their own privacy policies.
b. Online Behavioral Advertising (OBA)
We may work with advertisers, ad networks, and related partners to deliver interest-based advertising and measure ad performance. These partners may collect information about your use of the Site and other websites and services, and may use cookies or similar technologies to build an interest profile.
You can learn more and opt out of certain targeted advertising through industry programs (where available), such as the Network Advertising Initiative and the Digital Advertising Alliance.
c. Do Not Track
Some browsers transmit “Do Not Track” signals. Because there is no consistent industry standard for these signals, we do not respond to them.
d. Managing Cookies
You can manage cookies through your browser settings and, where implemented. Blocking cookies may impact Site functionality.
- Legal Bases for Processing (Relevant where GDPR/UK GDPR applies)
Where applicable, we process Personal Information under one or more legal bases, including consent, performance of a contract, legitimate interests, and compliance with legal obligations.
- How We Use Information
We may use Personal Information to:
Provide and operate the Site/Services, including content delivery and form submissions
Personalize content and improve user experience
Communicate with you (including newsletters, responses to inquiries, and transactional messages)
Market our Services or third-party products/services (including insurance-related offers) via email, phone, or text, subject to applicable law and your choices
Perform analytics, research, and measurement
Detect, prevent, and address fraud, security incidents, and abuse (including ad fraud and bot traffic)
Comply with legal obligations and enforce our terms
Maintain business operations (accounting, audits, reporting, and governance)
Support lead generation, including routing inquiries to Third-Party Providers
Use limited automated processing to optimize offers, content, or routing (as applicable)
- How We Share Information
a. Service Providers
We may share information with vendors and contractors that perform services on our behalf, such as hosting, analytics, marketing, communications, security, identity validation, IT support, and professional services. They are authorized to use Personal Information only as necessary to provide services to us.
b. Advertising and Analytics Partners
We may share information with advertising partners, measurement vendors, and analytics providers to deliver ads, measure performance, limit frequency, detect fraud, and improve campaigns.
c. Third-Party Providers (Insurance and Lead Partners)
If you submit an inquiry or lead form (including car insurance leads), we may share information with Third-Party Providers (for example, insurance agents, insurers, and lead buyers) to respond to your request and provide offers, quotes, or follow-up.
d. Third-Party Selling (Important)
We may sell or share your Personal Information with third parties for their marketing purposes or to provide you offers and opportunities, including in the context of insurance lead distribution and certain advertising or audience activities. In the past 12 months, we may have sold or shared categories of Personal Information such as identifiers, contact information, commercial information, internet/network activity information, and inferences, depending on your interactions with the Site/Services and our monetization partners.
If you are a California resident (and in certain other states), you may have the right to opt out of such selling or sharing. See Section 16 and the “Do Not Sell or Share” instructions below.
SMS/short code note (Optional, include only if you operate SMS programs): Data obtained through an SMS short code program will not be shared with third parties for their marketing purposes.
e. Testimonials
If you submit a testimonial, we may publish it publicly and use it for marketing.
f. Legal, Safety, and Transfers
We may disclose information to comply with law, respond to lawful requests, protect rights and safety, prevent fraud, and in connection with a merger, acquisition, financing, or sale of assets.
- Blogs, Forums, and Public Areas
If the Site includes public features (comments, forums, message boards), information you post may be publicly visible. Use these areas at your own risk.
- Other Websites and Embedded Content
The Site may link to third-party sites or include third-party content (including embedded content and content feeds). We are not responsible for third-party privacy practices.
- Data Retention
We retain Personal Information as long as necessary for the purposes described in this Policy, including business needs and legal compliance. We may retain certain records even after you request deletion where permitted or required by law.
- Security
We use commercially reasonable administrative, technical, and physical safeguards to protect information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
- Your Choices and Opt Out
Email marketing: you may opt out using the unsubscribe link in marketing emails.
Marketing preferences: you may contact us at [email protected] to request suppression from certain marketing.
Cookies and ads: manage via browser settings and cookie preferences (if available), and opt-out tools described in Section 5.
Location: disable device location permissions in your device settings, if applicable.
- Contact Us
For questions or requests, contact:
Email: [email protected]
- European Visitors (GDPR / EEA Notice)
If you are in the EEA/UK (where applicable), we may limit the use of cookies and similar technologies unless you provide consent (except where cookies are strictly necessary). We may use third-party tools to estimate location for consent gating. If you believe you are subject to GDPR/UK GDPR and cookies were used without appropriate consent, contact us at [email protected] with details.
- Additional California Consumer Privacy Rights (CCPA/CPRA)
If you are a California resident, you may have rights to:
Know what Personal Information we collect, use, disclose, sell, or share
Request deletion (subject to exceptions)
Correct inaccuracies (where applicable)
Opt out of sale or sharing of Personal Information
Limit use/disclosure of sensitive Personal Information (where applicable)
Non-discrimination for exercising rights
a. Categories Collected, Disclosed, Sold, or Shared (Past 12 Months)
Depending on your interaction with the Site/Services, we may collect the categories described in Section 3. We may disclose certain categories to service providers for business purposes. We may sell or share certain categories for advertising or lead distribution.
b. Exercising Your Rights
Submit requests by:
Email: `[email protected]
Do Not Sell/Share Form: https://toptiphacks.com/koen/ccpa
CCPA Request Form: https://toptiphacks.com/koen/ccpa
We will verify your identity as required by law and respond within required timeframes.
c. Do Not Sell or Share My Personal Information
You may opt out of sale or sharing by using:
the cookie preference controls (for cookie-based selling/sharing), and
the “Do Not Sell or Share” form for other contexts.
- Nevada Residents
Nevada residents may opt out of certain “sales” of covered information under Nevada law by submitting a request through https://toptiphacks.com/koen/ccpa or contacting us at [email protected].
- Children’s Privacy
The Site is not intended for children. We do not knowingly collect Personal Information from children under 13 (and we do not permit users under 16 to submit Personal Information in contexts where that restriction applies). If you believe a child has provided us Personal Information, contact us at [email protected] and we will take appropriate steps.