Considering growing concerns about companies selling customers’ private data, we, And Insurance, Inc., and our affiliates and subsidiaries (collectively, “&insurance”, “we” or “us”), thought this would be a good opportunity to tell you about what types of data we collect, why we collect it, and what we do with it.

Data is important. In fact, it’s the foundation on which most of the technology we’ve grown to love is built. Without it, services like ride sharing and music streaming wouldn’t exist. Data is what lets companies like ours personalize their service, making it instant, fun, and hassle free.

We use data to personalize coverages, pay claims in seconds, prevent fraud, help our users perform instant changes to their policy, collect payments, and improve our advertising. But what we don’t do, and never will, is sell your private information.

The data we require to provide our insurance services includes personal info that can identify you or be linked to you, such as your name, address, email, date of birth, social security number (only in cases that we explicitly ask for it), basic employment information, and your IP address. A full list of the categories of data we collect and don’t collect can be found below.

Here’s how we may use your data:

Using our online services

We collect anonymous website traffic to help us analyze performance in certain markets and improve our ad efficiency. We may use the technical information and related data as described below to improve and offer you content, products, or services. For example, we evaluate the efficiency of ad campaigns by tracking visits to &insurance from these campaigns. We’re using secure, industry-standard, third-party tools to analyze this data.

Obtaining insurance quotes

To be able to offer the best coverage at the right price, insurance companies evaluate the risks involved. For example, to be able to insure a home, we collect the property’s exact address as well the customer’s name so we can get their insurance history.

Fighting fraud

To be able to detect potential fraud attempts, we may collect past property or personal insurance history, as well as things like images, audio, video recordings, and criminal background information.

Paying for, and using insurance

To evaluate risk, we may ask for documents, pictures as well as other information for proving ownership, condition, and value. When buying a policy, we use a third-party vendor to securely collect credit card information to handle payments.

Filing claims

To be able to review claims, we ask users to provide various information in the form of video-supported claim submission, as well as videos, pictures, signatures, receipts, appraisals, and so on. To pay claims we require bank account details, as well as personally verifiable info such as the claimant’s social security number

Pricing and underwriting

We may use Renters Data to develop new insurance products and services, improve the accuracy of our rates, and optimize our underwriting. From time to time, Renters Data may be provided to state insurance departments or third party service providers, on an aggregated and anonymized basis.

Cookies and first/third-party tracking

“Cookies” are small bits of info that a website sends to a computer’s hard drive when a website is viewed. We use cookies and clear GIFs. We participate in behavior-based advertising which means a third party uses tech (like a cookie or web beacon) to collect info about your use of our website so that they can provide ads tailored to your interests on our site or other sites.

Marketing and advertising

We may use Cookies to help us optimize our digital campaigns, and to allow our customers to have a more personalized experience when coming back to our website. We will always maintain our commitment to protecting your privacy. If there are changes to our privacy promise, or (god forbid) a breach to your data, we will make sure to notify you via email, regular mail, or phone – as required by law. The data and information we collect is processed and analyzed using secure, industry-standard, internal, and third-party tools.

If you’re into legalese, this part’s for you

In parallel to this Privacy Pledge, &insurance also follows state laws implementing the Gramm-Leach-Bliley Act’s (GLBA) notification requirements. You may exercise your privacy rights without fear of discrimination. To request to access, change, or delete your data, email us at privacy@andinsurance.com or call us toll-free at 909-572-8040.

FOR CALIFORNIA RESIDENTS: This California Information Sharing Disclosure is provided to comply with the California Consumer Privacy Act, codified at California Civil Code Sections 1798.100 through 1798.199 (CCPA), and supplements the &insurance Privacy Policy to which it is appended. Sections 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 of the CCPA indicate that organizations should disclose whether the following categories of personal information are collected, transferred for “valuable consideration,” or transferred for an organization’s “business purpose” (as those terms are defined under California law). The table above indicates the categories of personal information we collect and transfer in a variety of contexts. Please note that because this list is comprehensive, it may refer to types of information that we collect and share about people other than you. As a California resident you also have the right to request the categories and specific pieces of personal information, we have collected about you, the right to request its deletion, and the right to not be discriminated against for exercising your rights. to types of information that we collect and share about people other than yourself.

Effective Date April 1, 2023