Privacy Policy

Last Updated: July 2026

Guarantee Mutual values its users' privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website www.guaranteemutual.com or make use of our online quoting and application services, and what we will and will not do with the information we collect. Our Policy has been designed to ensure our commitment to meeting — and exceeding — existing privacy standards. We reserve the right to make changes to this Policy at any time. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If at any point Guarantee Mutual decides to make use of any personally identifiable information on file in a manner materially different from that which was stated when this information was initially collected, the user will be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.

This Policy applies to Guarantee Mutual, and it governs any and all data collection and usage by us. Through the use of www.guaranteemutual.com, you are consenting to the data collection procedures expressed in this Policy. This Policy does not govern the collection and use of information by companies that Guarantee Mutual does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information.

Specifically, this Policy will inform you of the following:

What personally identifiable information is collected from you through our website;
Why we collect personally identifiable information and the legal basis for such collection;
How we use the collected information and with whom it may be shared;
What choices are available to you regarding the use of your data;
The security procedures in place to protect the misuse of your information.

Information We Collect

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to provide you with a quote or connect you with a licensed insurance agent. This website collects various types of information, such as:

Voluntarily provided information which may include your name, email address, phone number, date of birth, gender, state of residence, tobacco-use status, and coverage preferences — used to generate quotes and, if you choose to apply, to submit an application on your behalf to an insurance carrier.
Information automatically collected when visiting our website, which may include cookies, third-party tracking technologies, and server logs.

Guarantee Mutual may also collect non-personal anonymous demographic information, such as age, gender, household income, race and religion, as well as the type of browser you are using, IP address, or type of operating system, to help us provide and maintain superior quality service. This site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for in this Policy.

Why We Collect Information and For How Long

We collect your data for several reasons:

To better understand your needs and provide you with the services you have requested;
To fulfill our legitimate interest in improving our services and products;
To send you promotional emails or text messages containing information we think you may like when we have your consent to do so;
To contact you to complete surveys or participate in other types of market research, when we have your consent to do so;
To customize our website according to your online behavior and personal preferences.

The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based on the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of relationship we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.

Use of Information Collected

Guarantee Mutual does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties. Guarantee Mutual may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from www.guaranteemutual.com. Guarantee Mutual may also be in contact with you with regard to completing surveys and/or research questionnaires related to your opinion of current or potential future services. Guarantee Mutual uses various third-party social media features and interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within Guarantee Mutual's control.

Disclosure of Information

Guarantee Mutual may not use or disclose the information provided by you except under the following circumstances:

as necessary to provide services or products you have requested (including forwarding your application to an insurance carrier);
in other ways described in this Policy or to which you have otherwise consented;
as required by law, or in response to a subpoena or search warrant;
to outside auditors who have agreed to keep the information confidential;
as necessary to enforce the Terms of Service;
as necessary to maintain, safeguard and preserve all the rights and property of Guarantee Mutual;
in the aggregate with other information in such a way so that your identity cannot reasonably be determined.

Non-Marketing Purposes

Guarantee Mutual greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as security notices, account issues, application status, and changes in Guarantee Mutual products and services). In certain circumstances, we may use our website or other public means to post a notice.

Children Under the Age of 13

Guarantee Mutual's website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen. If it is determined that such information has been inadvertently collected on anyone under the age of thirteen, we shall immediately take the necessary steps to ensure that such information is deleted from our system's database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information.

Data Security

Guarantee Mutual implements reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:

Encryption in transit (HTTPS/TLS) for all data submitted through our website;
Encryption at rest for personal information stored in our databases;
Access controls that limit personal information to authorized personnel with a business need to know;
Regular review of our systems, vendors, and processes to identify and remediate vulnerabilities;
Secure transmission of applications to insurance carriers via authenticated, encrypted channels.

No method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security. If you believe your interaction with us is no longer secure, please contact us immediately at the email or phone number listed under "How to Contact Us."

SMS/Text Messaging

If you provide your phone number and opt in to receive text messages through our website, we may send you SMS/text messages from Guarantee Mutual as follows:

Marketing Messages: promotional offers, coverage announcements, product updates, and other marketing communications. Message frequency may vary.
Non-Marketing (Transactional) Messages: quote confirmations, appointment reminders, application status updates, account notifications, and other service-related communications.

Message and data rates may apply. Consent to receive messages is not a condition of purchase. You can opt out of receiving text messages at any time by replying STOP to any message. For help, reply HELP or contact us at Support@guaranteemutual.com or call +1 386-564-2609. For more details, see our Terms of Service.

Opt-In Consent

When you provide your phone number and opt in to receive text messages through our website, you are giving your express written consent to receive SMS/MMS messages from Guarantee Mutual. Your consent is obtained through a clear and conspicuous opt-in form where you must actively check the applicable consent boxes to subscribe to marketing and/or transactional messages.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use-case categories exclude text-messaging originator opt-in data and consent; this information will not be shared with any third parties.

You may revoke your consent at any time by replying STOP to any message. For our full opt-in policy, please visit our Opt-In page.

Unsubscribe or Opt-Out

All users and visitors to our website have the option to discontinue receiving communications from us by way of email, newsletters, or SMS/text messages. To unsubscribe from email communications, please send an email requesting to unsubscribe to Support@guaranteemutual.com. To opt out of SMS/text messages, reply STOP to any message you receive from us. If you wish to unsubscribe from any third-party websites, you must go to that specific website to unsubscribe. Guarantee Mutual will continue to adhere to this Policy with respect to any personal information previously collected.

Links to Other Websites

Our website does contain links to affiliate and other websites. Guarantee Mutual does not claim nor accept responsibility for any privacy policies, practices and/or procedures of such other websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy applies only and solely to the information collected by our website.

Acceptance of Terms

By using this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy. If you are not in agreement with our terms and conditions, then you should refrain from further use of our site. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you agree and accept such changes.

How to Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact Guarantee Mutual:

Email: Support@guaranteemutual.com

Telephone: +1 386-564-2609