Privacy Policy

1.1 Information You Provide

• Account Information: Name, email address, password, and any optional profile details you provide.
• Subscription and Payment Information: Information necessary to process your subscription. Payment card numbers are collected and processed by our payment processors (Apple, Google, Stripe, and RevenueCat) and are not stored on our systems. We receive limited information such as the last four digits of your card, card type, expiration, and billing zip code.
• Claim Information: Information you enter or upload about an insurance claim, including questions you ask about the claim, descriptions of damage or loss, policy details you provide, carrier names, dates of loss, property addresses, and (on Premium tiers) photographs and documents you upload.
• Communications: Information you provide when you contact us for support, respond to surveys, or otherwise communicate with us.

1.2 Information Collected Automatically

• Device and Usage Information: Device type, operating system and version, app version, device identifiers, IP address, browser type (for the website), language settings, time zone, referring URLs, dates and times of access, features used, and crash logs.
• Cookies and Similar Technologies: On our website, we use cookies and similar tracking technologies for authentication, preferences, security, and analytics. You can control cookies through your browser settings. Disabling cookies may limit Service functionality.
• Push Notifications: If you enable push notifications, we receive a device token to deliver notifications. You can disable notifications through your device settings.

1.3 Information from Third Parties

We may receive information about you from third parties, such as our payment processors and subscription management providers (to confirm your subscription status), analytics providers, and authentication providers if you use single sign-on.

1.4 Sensitive Information

Please do not upload Social Security numbers, government identification numbers, financial account numbers, biometric identifiers, precise geolocation, or health or medical information unless absolutely necessary to use the Service. If you upload documents related to an insurance claim, they may contain such information; we will treat any sensitive information we receive in accordance with this Policy and applicable law.

We use personal information to:

• Provide, operate, maintain, and improve the Service, including processing your questions and generating AI Output.
• Create and manage your account, authenticate you, and process subscriptions and payments.
• Communicate with you about your account, transactions, support requests, security alerts, and changes to the Service or our policies.
• Send you marketing communications about features or promotions if you have opted in; you may opt out at any time.
• Monitor and analyze usage trends, diagnose technical problems, and improve performance and user experience.
• Detect, investigate, and prevent fraud, abuse, security incidents, and violations of our Terms.
• Comply with legal obligations, respond to lawful requests from public authorities, and enforce our agreements.
• Create aggregated or de-identified data that no longer identifies you, which we may use for any lawful purpose.

We do not sell your personal information.

We share personal information only as described below.

3.1 Service Providers

We share personal information with third-party service providers that perform services on our behalf and that are contractually required to use the information only to provide those services. Categories of service providers include:

• Cloud hosting and infrastructure providers.
• Artificial intelligence and machine-learning service providers that process your questions, uploaded documents, and uploaded photographs to generate AI Output. These providers are contractually prohibited from using your information to train their underlying foundation models.
• Payment processing and subscription management providers.
• Analytics, crash reporting, and product-performance providers.
• Customer support and communication providers.
• Authentication and identity providers.

3.2 Legal and Safety

We may disclose personal information when we believe in good faith that disclosure is necessary to: (a) comply with applicable law, regulation, legal process, or governmental request; (b) enforce our Terms, including investigation of potential violations; (c) detect, prevent, or address fraud, security, or technical issues; or (d) protect the rights, property, or safety of us, our users, or others.

3.3 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or part of our assets, personal information may be transferred as part of that transaction. We will provide notice before personal information is transferred and becomes subject to a different privacy policy.

3.4 With Your Consent

We may share personal information for other purposes with your consent or at your direction.

Your Consent. The Service's core functionality depends on artificial intelligence. By creating an account and using the Service, you expressly consent to the collection of your inputs and the transmission of those inputs to a third-party AI service provider for processing. You may withdraw consent at any time by deleting your account; without this consent, the Service cannot operate.

What We Send to the AI Provider. When you ask a question or upload content for analysis, your input is transmitted to a third-party AI service provider to generate a response. Your input may include the text of your question, claim details you have entered, and (on Premium tiers) photographs and documents you have uploaded. We do not transmit your name, email address, payment information, or account credentials to the AI provider as part of these requests, except where strictly necessary for the AI provider's abuse-monitoring or operational purposes.

How the AI Provider Uses Your Data. The AI provider processes your input solely to generate a response for you and is contractually prohibited from using your input to train its underlying foundation models. The AI provider may retain transmitted data for a limited period for abuse-monitoring, security, and operational purposes, in accordance with its standard data-handling terms.

What You Should Not Submit. You should not include information in your questions or uploads that you are not authorized to share, that is subject to legal privilege you wish to preserve, or that you do not want transmitted to a third-party AI provider. This includes, where avoidable, Social Security numbers, financial account numbers, government identification numbers, and detailed medical information.

We retain your user account information for as long as your account is active. Claim data is retained according to the rules below, explained in greater detail in Section 11 of our Terms.

• Free tier claims: Automatically deleted 30 days after creation, regardless of activity.
• Premium tier claims: Automatically deleted after 90 consecutive days of inactivity. The inactivity clock resets each time you interact with the claim.
• Chat messages within active Premium claims: Individual messages older than 180 days are deleted on a rolling basis.
• Subscription end: If your Premium subscription ends due to cancellation, non-renewal, or payment failure, your claim data will be deleted. There is no downgrade path from Premium to the free tier.
• Account deletion: All claims and associated data are deleted regardless of tier or activity.
• Soft delete grace period: Claims scheduled for deletion enter a 15-day soft-delete state before permanent deletion, during which they may be recoverable by contacting us.

We may retain certain information longer to comply with legal obligations, resolve disputes, enforce agreements, or for fraud-prevention and security purposes. Aggregated or de-identified information may be retained indefinitely. You are solely responsible for exporting or backing up any claim data you wish to retain before it is deleted.

We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, and destruction. These include encryption of data in transit, access controls, secure development practices, and routine monitoring. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

• Account Information: You can review and update your account information through the Service.
• Marketing Communications: You can opt out of marketing emails by following the unsubscribe instructions in any email. We may still send transactional and service messages.
• Push Notifications: You can disable push notifications through your device settings.
• Account Deletion: You can delete your account at any time directly within the app under Settings, by visiting our account deletion page, or by contacting us using the information in Section 12. Deletion is subject to the retention periods described above and in our Terms.

8.1 California (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act, as amended:

• Right to know what personal information we collect, use, disclose, and (if applicable) sell or share about you.
• Right to delete personal information we have collected, subject to certain exceptions.
• Right to correct inaccurate personal information.
• Right to opt out of the sale or sharing of personal information. We do not sell personal information and do not share it for cross-context behavioral advertising.
• Right to limit the use of sensitive personal information.
• Right to non-discrimination for exercising your rights.

Categories of personal information we collect: identifiers (name, email, IP address, device identifiers); customer records (account and payment information); commercial information (subscription history); internet activity (usage data); geolocation (general, derived from IP); inferences drawn from the above; and any sensitive personal information you choose to upload as part of claim documentation.

To exercise your rights, contact us using the information in Section 12. We may need to verify your identity before responding. You may also authorize an agent to make a request on your behalf.

8.2 Other State Rights

Residents of certain other states (including but not limited to Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia) may have similar rights under applicable state privacy laws, including rights to access, correct, delete, port, and opt out of certain processing. To exercise these rights, contact us using the information in Section 12.

8.3 Appeals

If we decline to act on your request, you may appeal our decision by contacting us at the address in Section 12 with the word "Appeal" in the subject line and a description of your appeal.

The Service is not intended for individuals under eighteen (18) years of age, and we do not knowingly collect personal information from individuals under 18. If we learn that we have collected personal information from a person under 18, we will delete that information promptly. If you believe we have collected information from a person under 18, please contact us at the address in Section 12.

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of third parties. We encourage you to review the privacy policies of any third-party services you use.

We may update this Policy from time to time. When we make material changes, we will notify you through the Service, by email, or by other reasonable means and update the "Last Updated" date above. Your continued use of the Service after the effective date of the revised Policy constitutes your acceptance.

If you have questions or requests about this Privacy Policy or our privacy practices, contact us at: