Notice of Collection
The Information We Collect and Use
As discussed in the Privacy Policy, “information” means information about you collected through our website(s), including your email address and other information you provide to us by registering for our Services or making requests for information about our Services. Any information provided to us will be retained and used solely for the purposes of fulfilling your request for information, fulfilling a request through a Site feature, providing you with a product or service through website use, carrying out obligations and enforcement of rights arising from contracts entered into between you and us, performing and carrying out the terms of the Service, or communicating with you as a client or subscriber of Company Services. We will rely on the personal information that you give us, so it is important that all of the details that you provide are accurate and up-to-date.
Methods & Categories of Collection
We may collect personally identifiable information from you when you access the Site or use or access the Services as follows. Further, we may be shared personally identifiable information from third-parties or have personally identifiable information disclosed to us as contractor or service provider for property owners, property managers, or other real estate professionals.
Company collects and receives information as follows:
Information Provided By You: Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services for which they engage us. Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them. This information may include, depending on the user, name, date of birth, residential address, email, telephone number and social security number or equivalent. Additionally, financial information may be provided, including income level, employment status and history, and bank information. Finally, we may collect information concerning business structure, business name, residential property information, and lease terms.
Information Provided by and through Use of our Websites: Directly and indirectly from activity on our website. For example, from submissions through our website portal or website usage details collected automatically. Further, through application of traditional technology, device information, geographic location, and other technologically related information may be gathered.
Information Provided By Third Parties: From third-parties that interact with us in connection with the services we perform. For example, from state agencies when we respond to requests for information and from credit bureaus and financial institutions when authorized to perform credit checks and verification of financial information.
Information Provided by Property Owners, Property Managers, and Real Estate Professionals: Property owners, property managers, and other real estate professionals who maintain personal information of prospective tenants and current tenant may, pursuant to contract, share and/or disclose certain information to the Company for certain commercial purposes and business purposes.
The personally identifiable information we may collect from you may include, by way of example:
Category | Examples | Collected |
A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | YES |
B. Personal Information and Records | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. Includes information and Records identified in Cal. Civ. Code § 1798.80(e). | YES |
C. Personal Characteristics & Classifications | Protected information and classification characteristics as defined by federal and state laws, such as age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES |
E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO |
F. Internet or other similar network activity. | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | YES |
G. Geolocation data. | Physical location or movements. | NO |
H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
J. Inferences drawn from other personal information. | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | YES |
K. Sensitive personal information categories listed in the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (Cal. Civ. Code § 1798.140(ae)). | Social security, driver’s license, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with security or access code, password, or credentials allowing access to an account; and consumer’s racial or ethnic origin. | YES |
Personal information does not include:
Publicly available information from lawfully available federal, state, or local government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA and other applicable data privacy laws, such as:
Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.
Company’s Use of Information Provided:
Company may utilize the collected information provided by you or the information shared in furtherance of one or more of the following:
Providing products and services, pricing information, performing underwriting obligations, account services and security, investigating, analyzing, resolving and/or paying claims or related disputes;
Processing payments, billing, collections, and related transactions;
Improving and developing new offerings on our Website, products, and services, including informing underwriting model;
Verification and fraud prevention;
Improving and providing customer service, responding to claims, responding to concerns, responding to questions, and account services;
Obtaining third-party data from necessary entities in the furtherance of the services and products provided to you, such as credit bureaus or the custodian of government records;
Enforcement of applicable agreements between you and Company;
Disclosing necessary and limited information to service provider and/or contractor to perform a business purposes pursuant to contract;
Responding to governmental requests and as required by applicable law, court order, and governmental regulations;
Sending and delivering communications, via email, text, and other communication means, pertaining to Company services and products, updates, and news;
Marketing, offers and advertising, and personalizing website experience;
Fulfilling any other requests and services directed by you or with your consent;
The use of sensitive personal information is limited to that which is necessary to perform the services or provide goods reasonably expected by an average consumer for business purposes relating to a) security and integrity; B) short-term, transient use for non-personalized ads shown as part of consumer’s current interaction with the business; c) performing services; d) undertaking activities to verify and maintain quality of services.
Company also collects other information you volunteer to the Site, through the Services or through other means of communication, such as responses, registrations, surveys, reviews, comments, confirmations, emails, postings, messages, telephone calls, written correspondence or other electronic submissions and communications sent by you to the Site or through the Services. In addition, we may collect User-specific and aggregate information on areas of the Site accessed and the Services used.
Disclosure of Information
We do not sell, share, trade, or otherwise transfer to outside parties your Personal Information unless we provide you with advance notice, you consent to the disclosure, or as otherwise described in this Policy. This does not include disclosure for specific business purposes to our financial partners, affiliates, insurance carriers, website hosting partners, service providers, including debt collectors, and contractors who assist us in operating our Website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential and comply with certain contractual provisions dictated by applicable local, state, and/or federal laws. These business purposes include: providing the services to you, processing payments, improving and developing new offerings, enforcement of the applicable agreement, and fulfilling any other requests and services directed by you. We may also release your information when we believe release is appropriate to comply with the law, enforce our Site policies, or protect ours or others' rights, property, or safety.
Disclosure purpose | Example of purpose |
|---|---|
Auditing | Counting ad impressions to unique visitors. Auditing compliance with specifications and standards. |
Security and Integrity | Monitoring access to personal information. Encrypting and monitoring sensitive data. Implementing access controls. |
Debugging | Identifying and fixing errors in ad delivery. Resolving website functionality problems. Patching security vulnerabilities. |
Short-term, transient use | Displaying non-personalized ads during website visits. Providing temporary product recommendations. Offering contextually relevant content. |
Performing services on behalf of the business | Managing customer accounts. Processing customer orders. Providing customer support. |
Providing advertising and marketing services | Delivering targeted ads based on user interests within the current interaction. Sending promotional emails based on user preferences. Creating marketing campaigns based on aggregated website data. |
Internal research | Developing new and improving existing insurance products and underwritings. Testing new website features. Evaluating the effectiveness of marketing campaigns. |
Verifying and maintaining service quality | Monitoring website performance. Identifying and fixing security vulnerabilities. Updating software and hardware. |
In furtherance of the services and products procured by you from Company, Company may also disclose information to the property owner and/or property manager of the residential unit you occupy regarding surety and insurance products provided to you by Company.
How we respond to Do Not Track Signals. “Do Not Track” is an optional setting that certain browsers and devices provide to enable you to express your preference regarding tracking and the capturing of activities on one site that would be disclosed to another site by advertisers and other third parties. We may not respond to all Do Not Track (DNT) signals. Additionally, some third party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you. If you are visiting such sites, some browsers allow you to set the DNT signal so that third parties know you do not want to be tracked.
General, Non-Personal Information. From time to time, we may collect general, non-personal, statistical information about the use of the Site and the Service, such as how many visitors visit a specific page on the Site, how long they stay on that page, and which hyperlinks, if any, they “click” on. We collect this information through the use of technologies such as “cookies” and “IP addresses”, which are discussed in greater detail below. We may also group this information into aggregate visitor data in order to describe the use of the Site and Service to our existing or potential business partners or other third parties, or in response to a government request. However, this aggregate data will in no way personally identify you or any other visitors to the Site.
Retention of Personal Information. Company will retain your personal information for the period necessary to fulfill the purposes outlined in this Privacy Policy, to effectuate the provision of services, unless a longer retention period is required or permitted by law, and to ensure compliance with relevant federal, state, and local laws, including insurance regulations. We will make good faith efforts to delete the data if you contact us by following the instructions contained in this Privacy Policy, provided the Company is not required to retain it by law or for legitimate business purposes (where applicable). We may decline to process requests that are unreasonably repetitive, require disproportionate technical effort, jeopardize the privacy of others, are extremely impractical, or for which access is not otherwise required by local law. Additionally, upon receipt of a deletion request, Company shall undertake appropriate efforts to notify any service providers or contractors to delete the personal information from their records, unless this proves impossible or involves a disproportionate effort.
IP Addresses. An IP address is a number automatically assigned to your computer whenever you surf the web. Web servers, the computers and software that store, process and deliver web pages, automatically identify your computer by its IP address. We collect IP addresses for the purpose of system administration, to report aggregate information to third parties, and to track the use of the Site. When visitors request pages from the Site or click on a link in a mailing sent through the Service, our servers log the visitors’ IP addresses. We reserve the right to use IP addresses to identify a visitor or list member when it will enhance the users experience or if we feel it is necessary to enforce compliance with the Site’s policies or to protect Company, the Site, its visitors, the Service, our Internet Service Provider partners, the list members or others.
Cookies
What are cookies?
Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us advertise, make the website function properly, make it more secure, provide better user experience, and understand and analyze how the website performs.
How do we use cookies?
Our website uses first-party and third-party cookies for several purposes. First-party cookies are mostly necessary for the website to function the right way. The third-party cookies used on our website are mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and providing you with a better and improved user experience and help speed up your future interactions with our website.
Managing Cookie Preferences
Different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete cookies. Listed below are the links to the support documents on how to manage and delete cookies from the major web browsers.
Chrome: https://support.google.com/accounts/answer/32050
Safari: https://support.apple.com/en-in/guide/safari/sfri11471/mac
Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox?redirectslug=delete-cookies-remove-info-websites-stored&redirectlocale=en-US
If you are using any other web browser, please visit your browser’s official support documents.
Cookie Categories
Cookies and similar technologies used on our site (including the information obtained through their use) fall into five primary categories:
Necessary
Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences.
Functional
Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.
Performance
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Advertising
Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.
Cookie Table
Clear Gifs (Web Beacons / Web Bugs). A Clear GIF is a tiny line of code, only 1 by 1 pixel in size, that is programmed to collect certain information about a visit to a particular website. We may use clear GIFs to gather non- personal, aggregate information on visits to our Sites, track usage of website links and email delivery. We do not share or sell personal information that may be linked to our clear GIF collection practices to third parties. The Sites are not responsible for the use of clear GIFs by other website operators.
Profile. We store information that we collect through cookies and clear gifs to create a “profile” of your preferences. We may tie your personal information to information in the profile to provide tailored promotions and marketing offers or to improve the content of the Site for you.
Information Selling, Sharing, and Disclosure. We do not sell information collected by us. Except for the limited situations listed here in this Privacy Policy, we will not otherwise share your personal information with third parties. To the extent we are legally required to do so, we will take reasonable steps to notify you in the event that we are required to provide your personal information to third parties as part of a legal process. We share and disclose information collected to facilitate business purposes as described above and as permitted by law.
Agents and Third Party Service Providers. To provide the Company’s Services to you, we may sometimes use other businesses to perform certain specialized services such as data processing or other technology services. In such instances, we may provide your personal information.
Change of Control / Asset Transfer. As the Company develops, we may buy other businesses or their assets or sell all or parts of our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that the assets of the Company in whole or in parts are acquired by a third-party, customer information, including any visitor information collected through the Site or the Service, would be one of the transferred assets. In the event of a corporate change in control or sale of all or parts of our business assets, the buyer or transferee will have to honor the commitments we have made in the Privacy Policy.