Last Updated: July 30, 2026

CBCS ("we," "us," or "our") operates the website www.cbcsclaims.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or use our services (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, please do not use our Services.

1. Information We Collect

1.1 Information You Provide to Us

    • Account information: name, email address, password, phone number
    • Payment information: billing address, payment card details (processed via a third-party payment processor)
    • Communications: messages, support requests, feedback, or survey responses
    • Content you submit: posts, comments, uploads, or other user-generated content

1.2 Information Collected Automatically

    • Device and usage data: IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, and clickstream data
    • Cookies and similar technologies: see Section 6 below
    • Location data: approximate location derived from IP address (and precise location only if you grant permission)

1.3 Information from Third Parties

    • Social media platforms (if you log in via a third-party account)
    • Analytics providers
    • Advertising partners
    • Publicly available sources

2. How We Use Your Information

We use the information we collect to:

    • Provide, operate, and maintain our Services
    • Process transactions and send related information
    • Create and manage your account
    • Respond to comments, questions, and customer service requests
    • Send administrative information, such as updates to our terms or policies
    • Send marketing and promotional communications (where permitted, with an opt-out option)
    • Monitor and analyze usage trends to improve the Services
    • Detect, prevent, and address technical issues, fraud, or illegal activity
    • Comply with legal obligations

3. Legal Basis for Processing (EEA/UK Users)

If you are located in the European Economic Area or United Kingdom, we process your personal data under the following legal bases:

    • Consent — where you have given clear consent
    • Contract — where processing is necessary to perform a contract with you
    • Legal obligation — where we must comply with the law
    • Legitimate interests — where processing is necessary for our legitimate business interests and does not override your rights

4. How We Share Your Information

We do not sell your personal information. We may share information with:

    • Service providers: payment processors, hosting providers, analytics providers, email/communications platforms
    • Business partners: for co-branded offers or promotions (with your consent where required)
    • Legal and safety purposes: to comply with law, respond to legal process, or protect rights, property, or safety
    • Business transfers: in connection with a merger, acquisition, or sale of assets
    • With your consent: any other sharing you explicitly authorize

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we securely delete or anonymize it.

6. Cookies and Tracking Technologies

We use cookies and similar technologies (such as web beacons and pixels) to:

    • Keep you logged in
    • Remember your preferences
    • Understand how you use our Site
    • Deliver relevant advertising

You can control cookies through your browser settings. Disabling cookies may affect the functionality of our Services. [If applicable: We display a cookie consent banner that allows you to manage your preferences.]

7. Your Privacy Rights

Depending on your location, you may have the right to:

    • Access the personal data we hold about you
    • Correct inaccurate or incomplete data
    • Delete your personal data
    • Restrict or object to certain processing
    • Data portability — receive your data in a portable format
    • Withdraw consent at any time (where processing is based on consent)
    • Opt out of the sale/sharing of personal information (California residents, under CCPA/CPRA)
    • Non-discrimination for exercising your privacy rights

To exercise these rights, visit our Data Privacy Request page. We may need to verify your identity before fulfilling your request.

California Residents

Under the CCPA/CPRA, California residents have specific rights regarding access, deletion, and opt-out of sale/sharing of personal information. CBCS does not sell personal information as defined by the CCPA.

European Residents

You have the right to lodge a complaint with your local data protection authority if you believe we have violated your rights under GDPR.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. Where required, we implement appropriate safeguards (such as Standard Contractual Clauses) to protect your data during such transfers.

10. Children's Privacy

Our Services are not directed to children under 13 (or 16, where applicable). We do not knowingly collect personal information from children. If we learn we have collected information from a child without parental consent, we will delete it promptly. If you believe a child has provided us information, contact us at Data Privacy Request page

11. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last Updated" date. Your continued use of the Services after changes take effect constitutes acceptance of the revised policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

CBCS 800 Main Street Dubuque, IA 52001 United States

Phone: 877-241-6121