Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
Toggle's privacy policy indicates that by accessing its site or using its services, users agree to both the Privacy Policy and Terms of Service, which might bind them to terms without explicit consent (risk_flags-1). The service collects a wide range of personal and sensitive information, including biometric data, financial details, and health information (data_use-1), and also gathers data from external sources like credit reporting agencies and public records (data_use-2). The policy also states that the service does not currently support Do Not Track signals (risk_flags-2). Users are limited to requesting access to their personal data only twice within a 12-month period (gotchas-1) and must submit a verifiable request to exercise rights such as accessing, deleting, or correcting personal information (gotchas-2).
90% confidence
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Risk Flags
2 findings
Critical issues and red flags that may indicate significant risk.
high95% confidence
Policy acceptance through site access or service use
By accessing the site or using services, users agree to the Privacy Policy and Terms of Service.
Why it matters: You are bound by the Privacy Policy and Terms of Service automatically just by accessing the site or using services, even if you have not explicitly clicked to agree.
By accessing this Site or using our Services (as those terms are defined in the[Terms of Service](https://www.gettoggle.com/terms)), you agree to this Privacy Policy. If you do not agree to this Privacy Policy or the[Terms of Service](https://www.gettoggle.com/terms), please do not access this Site or otherwise use our Services.
The service does not currently support Do Not Track (DNT) signals from web browsers.
Why it matters: Your browser's Do Not Track setting will not prevent the service from tracking your online activities.
We do not currently support Do Not Track signals, but may in the future.
[Cookies and Internet Advertising](https://www.toggle.com/privacy#cookies-and-internet-advertising), paragraph 4 · Citation strength: strong
Data Use
7 findings
How the company collects, uses, and shares your personal information.
high95% confidence
Extensive collection of personal and sensitive information
The service collects a wide range of personal information, including sensitive categories such as Social Security number, driver’s license number, precise geo-location, financial information, medical and health data, and biometric information (voice print, photo).
Why it matters: A broad spectrum of your personal and sensitive data is collected, increasing potential privacy exposure.
Geolocation IP address, physical address, telephone number, state, municipality, location, devices, applications on mobile and computer devices Audio, electronic, visual, thermal, olfactory Audio, electronic, photo, visual information, such as a call or video recording, voicemail messages.
[Personal Information We Collect](https://www.toggle.com/privacy#personal-information-we-collect), paragraph 2 · Citation strength: strong
high90% confidence
Collection of information from external sources including credit reports and public sources
The service obtains extensive categories of personal information from other sources, including credit report information, insurance credit score, claims history from consumer reporting agencies or insurance support organizations, and data from publicly available sources.
Why it matters: Information about you, including sensitive financial and claims history data, is gathered from various external entities, not just from your direct interactions with the service.
The sources vary over time, but the information collected includes: * credit report information, insurance credit score, and claims history from a consumer reporting agency or insurance support organization; * details of your interactions through select strategic relationships by which we offer co-branded Services or engage in joint marketing activities; and * details about you from publicly available sources.
[Sources of Personal Information](https://www.toggle.com/privacy#sources-of-personal-information), paragraph 3 · Citation strength: strong
medium90% confidence
Information collected automatically via tracking technologies
The service automatically collects categories of information such as geolocation and internet or network activity, including interactions with the site and online advertising, device IDs, browser and device characteristics, IP address, and details collected via cookies and web beacons.
Why it matters: Your online activities and device information are automatically tracked and collected, which can be used to build a profile of your behavior.
dings; * details about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history; and * details collected via the use of cookies, web beacons and other technologies.
[Sources of Personal Information](https://www.toggle.com/privacy#sources-of-personal-information), paragraph 3 · Citation strength: strong
medium90% confidence
Use of personal information for promotional messaging and personalization
The service uses personal information to send information that it believes may interest users and to personalize the user experience.
Why it matters: Your personal data will be used to send you promotional content and tailor your experience on the service.
* Send you information that we believe may interest you; * Personalize your experience while using our Services;
* Confirm or correct certain information about you;, paragraph 1 · Citation strength: strong
medium90% confidence
Sharing of personal information with affiliates for marketing purposes
The service shares personal information with its affiliates, which are part of the Farmers Insurance Group of Companies®, to enable them to offer a complete range of products and services.
Why it matters: Your personal information is shared within a larger corporate group, allowing affiliates to market their products and services to you.
We are part of the Farmers Insurance Group of Companies®, which includes affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services.
[Personal Information We Disclose](https://www.toggle.com/privacy#personal-information-we-disclose), paragraph 1 · Citation strength: strong
medium90% confidence
Sharing of consumer report information with affiliates and third parties
The service shares consumer report information, including credit reports and application data, with its affiliates and with third parties such as consumer reporting agencies and insurance support organizations. These third parties may retain and disclose this information to others.
Why it matters: Sensitive consumer reporting data about you, such as credit reports and claims history, is shared with various entities and may be retained and further disclosed by them.
d consumer reporting agencies. Please be aware that information we share with insurance support organizations and consumer reporting agencies, such as your claims history, may be retained by them and disclosed to others.
[Personal Information We Disclose](https://www.toggle.com/privacy#personal-information-we-disclose), paragraph 5 · Citation strength: strong
low85% confidence
Linking of cookie data with voluntary submissions
Cookies placed by third-party partners, which may contain demographic or other interest-based data in a de-identified form, may be linked to personal information voluntarily submitted by the user, such as name, postal address, or email, which may be shared in hashed or encrypted form.
Why it matters: Anonymous cookie data about your interests and demographics could be linked back to your identifiable personal information, potentially enabling more targeted advertising.
The cookies placed by our third party partners contain no personally identifiable information, but may contain demographic or other interest-based data in a de-identified form. The information in these cookies may be linked to data you voluntarily submitted to us, such as your name, postal address or email, which we may share in hashed or encrypted form.
[Cookies and Internet Advertising](https://www.toggle.com/privacy#cookies-and-internet-advertising), paragraph 5 · Citation strength: strong
Cancellation & Renewal
Not clearly stated
Details about how service can be canceled or renewed.
?
Not clearly stated
No cited billing terms — wording is unclear
There is no information explicitly discussing cancellation of services or automatic renewal terms.
Gotchas
2 findings
Potentially overlooked clauses that may be to your disadvantage.
medium95% confidence
Limited number of access requests for personal information
Users may only make a verifiable consumer request for access to their personal information twice within a 12-month period.
Why it matters: You are limited to requesting access to your personal information only twice a year.
You may only make a verifiable consumer request for access twice within a 12-month period.
Verifiable requests needed for information access, deletion, and correction
To exercise rights such as accessing, deleting, or correcting personal information, users must submit a 'verifiable consumer request', which may involve providing additional information for identity verification.
Why it matters: Obtaining access to, deleting, or correcting your data requires a formal, verifiable process that may require you to provide more personal information for identity verification.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. The categories of personal information collected are identified in this privacy policy. Once we receive and confirm your verifiable consumer request, we will disclose to you (as applicable to your request):
Commitments and features that protect user interests.
Protection95% confidence
No sharing or selling of personal information to non-affiliated third parties for their marketing
The service explicitly states that it does not share or sell personal information to any nonaffiliated third parties for their own marketing purposes.
Why it helps: This commitment helps protect your personal information from being used by outside companies for unsolicited marketing.
**We do not share or sell your personal information with or to any nonaffiliated third parties for their own marketing purposes.**
[Personal Information We Disclose](https://www.toggle.com/privacy#personal-information-we-disclose), paragraph 5 · Citation strength: strong
Protection90% confidence
Right to request deletion of personal information
Users have the right to request that the company delete any personal information collected and retained, subject to certain exceptions. Upon a verifiable consumer request, the company will delete the personal information (and direct service providers to do so) unless an exception applies.
Why it helps: You have control over your personal data and can request its removal from the company's records.
You have the right to request that we delete any of your personal information that we collected and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.