Privacy Policy

Protecting your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our home insurance services. Please read this privacy policy carefully. By continuing to use our website or services, you consent to the practices described in this policy.

Note: This Privacy Policy applies to all information collected through our website, mobile applications, and any related services, sales, marketing, or events (collectively, the "Services").

1. Information We Collect

We collect personal and non-personal information in various ways when you use our Services.

1.1. Personal Information

Personal information identifies, relates to, describes, or can be reasonably linked to a particular individual. We may collect the following types of personal information:

Contact Information: Name, email address, mailing address, phone number
Identification Information: Date of birth, Social Security number, driver's license number
Property Information: Home address, property details, ownership status, mortgage information
Financial Information: Bank account numbers, credit card numbers, income information, credit history
Insurance History: Previous insurance policies, claims history, coverage details
Account Information: Username, password, account preferences

1.2. Non-Personal Information

We may also collect information that is not personally identifiable, including:

Device Information: IP address, browser type, operating system, device identifiers
Usage Data: Pages visited, time spent on pages, links clicked, interaction with features
Location Information: General geographic location based on IP address or more precise location if permitted
Cookies and Similar Technologies: Information collected through cookies, web beacons, and similar tracking technologies

2. How We Collect Information

We collect information through various methods:

Direct Collection: Information you provide when you register for an account, request a quote, purchase a policy, submit claims, or communicate with us
Automated Collection: Information collected automatically when you visit our website or use our applications through cookies and similar technologies
Third-Party Sources: Information from third-party service providers, partners, public databases, and social media platforms

3. How We Use Your Information

We may use the information we collect for various purposes, including:

Purpose	Description
Provide Services	To provide and maintain our services, including processing insurance applications, quotes, policies, and claims
Account Management	To create and manage your account, authenticate users, and provide customer support
Risk Assessment	To evaluate insurance risks, determine appropriate premiums, and underwrite policies
Communications	To communicate with you about policies, claims, updates, and respond to inquiries
Marketing	To market our products and services, including sending promotional materials and personalized offers
Improve Services	To analyze usage patterns, conduct research, and enhance our website and services
Legal Compliance	To comply with applicable laws, regulations, legal processes, or governmental requests
Security	To detect, prevent, and address fraud, security risks, and technical issues

4. Information Sharing and Disclosure

We may share your information with the following categories of third parties:

Service Providers: Companies that perform services on our behalf, such as payment processing, data analysis, email delivery, hosting, and customer service
Insurance Partners: Insurance carriers, agents, brokers, and reinsurers involved in providing or administering your insurance
Financial Institutions: Banks, mortgage companies, and other financial institutions involved in your property transactions
Legal and Regulatory Authorities: Law enforcement, government agencies, courts, or other third parties when required by law or to protect our rights
Business Partners: Companies with whom we partner to offer joint promotions or complementary products and services
Professional Advisors: Accountants, auditors, lawyers, and other outside professional advisors
Corporate Restructuring: Parties involved in a merger, acquisition, bankruptcy, or similar transaction

5. Cookies and Tracking Technologies

We and our third-party service providers use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. These technologies help us analyze website traffic, customize content, and deliver targeted advertisements.

You can control cookies through your browser settings and other tools. However, disabling cookies may limit your ability to use certain features of our website.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

Right to Access: Request access to the personal information we have collected about you
Right to Correction: Request correction of inaccurate or incomplete information
Right to Deletion: Request deletion of your personal information under certain circumstances
Right to Restriction: Request restriction of processing of your personal information
Right to Data Portability: Request transfer of your personal information to another service provider
Right to Object: Object to our processing of your personal information
Right to Opt-Out: Opt-out of the sale of your personal information and certain types of targeted advertising

To exercise any of these rights, please contact us using the information provided at the end of this Privacy Policy.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, disclosure, alteration, and destruction. However, no security system is impenetrable, and we cannot guarantee the absolute security of your information.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. The specific retention period depends on the type of information and applicable legal requirements.

9. Children's Privacy

Our services are not directed to children under the age of 16. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will take steps to delete such information.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We will take appropriate measures to ensure that your personal information remains protected according to this Privacy Policy.

11. Third-Party Links

Our website may contain links to third-party websites, products, or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party website you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on our website with a revised "Last Updated" date. We encourage you to review this Privacy Policy periodically.

13. California Privacy Rights

California residents have specific rights regarding their personal information under the California Consumer Privacy Act (CCPA) and other state laws. For more information about these rights and how to exercise them, please refer to our "Do Not Sell My Personal Information" page.