Privacy Notice

Last updated Dec 11, 2023

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Thank you for choosing to be part of our community at Embedded Insurance, Inc. and Embedded Insurance Agency, LLC (collectively, “Embedded Insurance”, “we”, “us”, or “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this notice, or our practices with regards to your personal information, please contact us at compliance@embeddedinsurance.com.

This privacy notice applies to all information collected through our Site, and/or any related services, sales, marketing, or events including any point of sale communications or SMS or text messages including messages via third party applications such as WhatsApp, Facebook, Messenger, iMessage, Telegram, and Twitter (collectively, the “Services”). When you visit our website [compliance@embeddedinsurance.com] and any extensions (collectively, the “Site”), and use our Services, you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Site and our Services.

Please read this privacy notice carefully as it will help you make informed decisions about sharing your personal information with us.

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SUMMARY

We collect information from you and from third parties when you use our Services or visit the Site.

We will use your information for our business purposes, including providing our Services to you.

We share your information with third parties that provide certain products or services to help us fulfill the Services you request from us.

We use safeguards to protect your information.

You may review and correct your information.

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WHAT INFORMATION DO WE COLLECT?

Consumers

In Short: We collect information about you that is necessary for us to run the Site and provide you the Services you request.

We collect information in a variety of ways. Some information that we collect from you may include your name, address, phone number, email address, social security number, date of birth, gender, and marital status. We may also collect service specific information to provide our Services such as driver’s license information if we are providing auto insurance services or household information if we are providing homeowners insurance services.

We may also collect information from third parties. Some information that we may collect include consumer report information including your credit score, credit history, claims history, vehicle ownership, and driving record, transaction information, information related to your home rental or ownership, information about your insurance coverages, payment history, or payment information. Certain of this information may constitute sensitive personal information and may be subject to increased restrictions based on your place of residence. We will collect information necessary to provide the Services. If you wish to opt out, you may email us or simply do not provide the information; however, you may be ineligible to receive the Services.

Additionally, during your access to the Site, we may collect Site information from you. This may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

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JOB APPLICANTS

In Short: We collect information from you that is necessary for us to verify your qualifications to work for us and to hire you.

We may collect information from you necessary for your employment application including items like your name, email, social media profile, resume, and cover letter. We may also collect information from third parties, such as references from previous employers. Job applicants may provide additional information for routine background checks to a third-party provider of such services, under specific privacy terms and consents that will be provided at the time of collection. Any information collected through a third-party site (e.g. LinkedIn) will be governed by the privacy terms and conditions on that third-party site.

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INSURANCE CARRIERS, DISTRIBUTORS, AND OTHER VISITORS

In Short: We collect information from you that are necessary to provide you with the Services you request from us.

We may collect information from you necessary to provide the Services you request from us. This may include items such as your name, your address, where you are located, and other business-related information.

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HOW DO WE USE YOUR INFORMATION?

In Short: We process your information for purposes based on your request, to run the Site and provide our Services, and to achieve certain essential operations.

We use personal information for a variety of business purposes, including running the Site and providing Services to you. These purposes may include establishing and maintaining communications with you on various topics, providing you with Services you request, including insurance products or services, processing and servicing transactions with you, and operating and improving our business and operations. We may also use information we collect for necessary purposes including complying with applicable law and legal processes, detecting and investigating security events, facilitating functionality to our Site, enforcing our Terms of Use, protecting our rights, and pursuing available remedies for damages we obtain.

We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data.

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

We may use and store this information in aggregated and anonymized form so that it is not associated with individual end users and does not include personal information. We may use or share information in an anonymized and aggregated manner for many purposes such as research, analysis, modeling, marketing, and advertising, as well as improving our Site and Services.

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WHO DO WE SHARE YOUR INFORMATION WITH?

In Short: We only share your information with your consent, to comply with laws, or to provide you with the Services.

We will not share your information with third parties without your consent, except in the following circumstances.

We may share your information with insurance companies and other service providers to provide you with the Services you request. We may also share your information as permitted by law. This may include sharing information with our corporate affiliates, those individuals or organization that we believe need your information to perform services for us (e.g. underwriting, payment processing, or IT services), consumer reporting agencies, entities with which we are involved in a business transaction, such as a merger or sale of a portion or all of our assets, and other entities as may be required by law (e.g. subpoena).

We may use third-party service providers such as Google Analytics and when we do so we will permit them to collect, use, and disclose your information to the extent necessary to allow them to perform the services they provide to us. Some third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies. For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.

As applicable, we will limit sharing of your information in accordance with the choices you have provided us.

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IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?

In Short: We may transfer, store, and process your information in countries other than your own.

Our servers are located in the United States. If you are accessing our Services from outside United States, please be aware that your information may be transferred to, stored, and processed by us in our facilities and by those third parties with whom we may share your personal information (see “WHO DO WE SHARE YOUR INFORMATION WITH?” above), in the United States and other countries.

If you’re a non-United States resident, then we may not have data protection or other laws as comprehensive as those in your country. However, we will take measures to protect your personal information in accordance with this Privacy Notice and applicable law.

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DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGY?

In Short: Yes, we use cookies and similar technology to collect information about you and provide the Services to you. However, you can opt out of certain cookies on the Site.

When you visit the Site, open up electronic communication from us, or interact with us on social media platforms (e.g. Twitter), we may also collect information about you by automated means. In some instances, we may also allow third parties to collect information about you through automated means. Some of these technologies include:

Cookies: Cookies are small text files that websites send to internet connected devices to make your user experience more efficient. Some cookies may exist for a single session and some are persistent for multiple sessions. Some cookies are strictly necessary for the operation of this Site and some are optional. We may use cookies that are managed by third parties for the purposes explained in this privacy notice.
Web Server Logs: Our web servers may collect information on your usage details of your device, including your IP address, operating system, and Site usage.
Web beacons, pixels, software: We may place items on our Site or in our electronic communications called “web beacons” or “pixels.” These items help link web pages to particular web servers and their cookies to help us understand our Site traffic. These items may be used to track the pages you view, links that you click, time spent on a page, and other online behavior.
Other: We may use other technology to collect information for the purposes described in this privacy notice. These technologies may permit collection of data elements such as browser type, operating system type, IP address, activities conducted on our Site, and the time and day of your visit. If you visit our website from a mobile device, we collect mobile device information such as data previously mentioned and your location information.

Most web browsers offer settings that allow you to disable or delete cookies. Furthermore, you may edit your cookie preferences on our homepage. However, if you restrict, disable, or delete cookies, you may not be able to fully use our Site. If you make this change after you have visited our Site, you may have to manually delete existing cookies from your electronic device.

Our Site may also contain embedded plug-ins, widgets, pixels, or other programming associated with third parties, including external social media platforms. When you encounter these embedded objects, your web browser may establish a direct connection to the third-party services, and in doing so, share information such as your behavior while browsing our Site, your public profile, and content you have shared.

We do not currently respond to Do Not Track browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

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HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

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HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organizational, physical, and technical security measures.

We have implemented appropriate organizational, physical, and technical organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the services within a secure environment.

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DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 16 years of age.

We do not knowingly solicit data from or market to children under 16 years of age. By using the Services, you represent that you are at least 16 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 16 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under the age of 16, please contact us at [compliance@embeddedinsurance.com].

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WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may request to access, correct, amend, or delete information we have collected about you. Also, to the extent you have subscribed to marketing and promotional communications, you may unsubscribe at any time.

If you would like to access the information that we have collected about you or request that we correct, amend, or delete it, please contact us in writing (see HOW CAN YOU CONTACT US ABOUT THIS POLICY). You must include your full name, mailing address, email address, and policy number (if applicable), in addition to an explanation of the kind of information that you would like to access, correct, amend, or delete. We will do our best to respond promptly to any request.

To the extent that you have subscribed to any marketing and promotional communication, you may unsubscribe at any time from our marketing and promotional communications by following the “Unsubscribe” link in the communication. If you would like to unsubscribe from all communications now, please contact us at [compliance@embeddedinsurance.com]. We will do our best to respond promptly to any request. You may re-subscribe or sign up for new marketing or promotional communications by signing up to receive them again.

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DO WE MAKE UPDATES TO THIS POLICY?

In Short: Yes, we will update this policy as we deem necessary.

We may update this privacy notice from time to time. The updated version will be indicated by an updated “Last Updated” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes on our Site or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

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DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: If you are a resident of California, you may have additional rights with regard to your personal information.

If you are a California resident, you may have additional rights. Please click HERE to see these additional rights.

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DO YOU HAVE ADDITIONAL RIGHTS IF YOU ARE LOCATED IN A STATE OTHER THAN CALIFORNIA?

In Short: Possibly. If you are a person whose information was collected, received, or maintained in connection with insurance transactions in certain states, you may have additional rights to a more detailed privacy notice, which may also notify you of additional privacy rights you may have.

If you are a person whose information was collected, received, or maintained in connection with insurance transactions in certain states, you may have additional rights to a more detailed privacy notice, which may also notify you of additional privacy rights you may have. If you would like to exercise any rights you have, please contact us and let us know what state your insurance transaction took place in.

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HOW CAN YOU CONTACT US ABOUT THIS POLICY?

If you have questions or comments about this policy, you may email us at compliance@embeddedinsurance.com or by post to:

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Embedded Insurance, Inc.

1389 Center Drive

STE 200

Park City, UT 84098

United States

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