Legal / Regulatory Notice

We work with a number of different trusted insurance carriers to back our products, including The Hanover Insurance Company, Arch Insurance Company, Everspan Insurance Company, Spinnaker Insurance Company, Century-National Insurance Company, Trisura Insurance Company, and Stillwater Insurance Company. All of our products, including the details of coverage, are governed by terms and conditions set forth in their respective policies and forms, which include the details of coverage and any rights and obligations thereunder. Each insurer is solely responsible for the claims on its policies.

TheGuarantors lease rental bonds are backed by:

• The Hanover Insurance Company, Worcester, MA

• Arch Insurance Company, Jersey City, NJ

• Everspan Insurance Company, New York, NY

TheGuarantors HO-4 policies are backed by:

• Spinnaker Insurance Company, Bedminster, NJ

• Century-National Insurance Company, North Hollywood, CA

• Trisura Insurance Company, Oklahoma City, CA 

• Stillwater Insurance Company, Jacksonville, FL

TheGuarantors receives compensation for each insurance product that it sells through its platform. All solicitations to apply for insurance and applications for insurance are made through TheGuarantors. Issuance of coverage is subject to underwriting guidelines and approval, including applicable state regulations, and coverage may not be available in certain states. All services provided by TheGuarantors are subject to the applicable terms and conditions of the website and issued policy, including any agreements and/or forms setting forth coverage details and/or the rights and obligations thereunder.

The information we collect and use

As discussed in this 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, performing and carrying out the terms of the Service, or communicating with you as a client or subscriber of Company Services.

TheGuarantors is licensed in the following states:

Alabama

P&C Individual #3000477599 P&C Entity #3000503100

Arizona

P&C Individual #17566335 P&C Entity #3000352091 E&S Individual #17566335 E&S Entity #3000352091

Arkansas

P&C Individual #17566335 P&C Entity #3000410325

California

P&C Individual #0M36704 P&C Entity #0M44435E&S Individual #0M36704 E&S Entity #0M44435

Colorado

P&C Individual #575586 P&C Entity #577504 E&S Individual #575586 E&S Entity #577504

Connecticut

P&C Individual #2598447 P&C Individual #2598447 E&S Individual #2620660 E&S Entity #2621334

Delaware

P&C Individual #3000424356 P&C Entity #3000428005

District of Columbia

P&C Individual #3000319239 P&C Entity #3000325966 E&S Individual #3000319239 E&S Entity #30000325966

Florida

P&C Individual #W49817 P&C Entity #L103769

Georgia

P&C Individual #3214163 P&C Entity #202018 E&S Individual #4214163

Hawaii

P&C Individual #498365 P&C Entity #500308

Idaho

P&C Individual #693249 P&C Entity #697087

Illinois

P&C Individual #17566335 P&C Entity #3000319309 E&S Individual #17566335

Indiana

P&C Individual #3368910 P&C Entity #3373263

Iowa

P&C Individual #17566335

Kansas

P&C Individual #17566335 P&C Entity #472127961

Kentucky

P&C Individual #1046416

Lousiana

P&C Individual #798792 P&C Entity #806018

Maine

P&C Individual #PRN333704 P&C Entity #AGN334118

Maryland

P&C Individual #3000145139 P&C Entity #3000353077

Massachusetts

P&C Individual #2034108 P&C Entity #2065255 E&S Individual #2078822 E&S Entity #2079721

Michigan

P&C Individual #880823 P&C Entity #117278 E&S Individual #880823 E&S Entity #117278

Minnesota

P&C Individual #40610232 P&C Entity #40612840MN E&S Individual #40615288

Mississippi

P&C Individual #10603449 P&C Entity #15035436

Missouri

P&C Individual #8463646 P&C Entity #8465011 E&S Individual #8463646

Montana

P&C Individua l#3000596486 P&C Entity #3000580502

Nebraska

P&C Individual #17566335 P&C Entity #100299506

Nevada

P&C Individual #3381365 P&C Entity #3383057

New Hampshire

P&C Individual #2414964 P&C Entity #2416882

New Jersey

P&C Individual #1619657 P&C Entity #1628821 E&S Individual #1619657 E&S Entity #1628821

New Mexico

P&C Individual #17566335 P&C Entity #3000411512

New York

P&C Individual #1372729 P&C Entity #1388207 E&S Individual #1372729-R E&S Entity #1388207-R

North Carolina

P&C Individual #17566335 P&C Entity #1000618519 E&S Individual #17566335 E&S Entity #1000618519

North Dakota

P&C Individual #17566335 P&C Entity #3001036966

Ohio

P&C Individual #1194333 P&C Entity #1209516 E&S Individual #1236816 E&S Entity #1237932

Oklahoma

P&C Individual #3000395446 P&C Entity #3000406257

Oregon

P&C Individual #17566335 P&C Entity #3000462614

Pennsylvania

P&C Individual #853850 P&C Entity #858498 E&S Individual #880029 E&S Entity #881883

Rhode Island

P&C Individual #3000332757

South Carolina

P&C Individual #934145 P&C Entity #300425512

South Dakota

P&C Individual #40566698 P&C Entity #10027652

Tennessee

P&C Individual #2426018

Texas

P&C Individual #2266476 P&C Entity #2321351 E&S Individual #2384386 E&S Entity #2394950

Utah

P&C Individual #709576 P&C Entity #710553

Vermont

P&C Individual #3389679 P&C Entity #3397271

Virginia

P&C Individual #1045605 P&C Entity #143962 E&S Individual #1045605 E&S Entity #143962

Washington

P&C Individual #959474 P&C Entity #988836 E&S Individual #959474 E&S Entity #988836

West Virginia

P&C Individual #17566335 P&C Entity #100305453

Wisconsin

P&C Individual #17566335

Wyoming

P&C Individual #381723 P&C Entity #382290

New York Notice of Protection for Victims of Domestic Violence

New York Insurance Law Section 2612 affords important protections for victims of domestic violence. This law prohibits an individual, insurer, or entity supervised by the New York Department of Financial Services, from undertaking any of the following actions solely because a person is or has been a victim of domestic violence: (i) refuse to issue or renew, deny or cancel any insurance policy or contract; (ii) demand or require a greater premium or payment from any person; (iii) designate domestic violence as a preexisting condition, for which coverage will be denied or reduced; or (iv) fix any lower rate or discriminate in the fees or commissions of agents or brokers for writing or renewing such a policy. Under no circumstances may the fact that has a person is or has been a victim of domestic violence serve as an underwriting criterion.

Procedure for Providing Us an Alternative Address

If you are covered by one of our policies and have an order of protection against a policyholder or other person covered by a policy of TheGuarantors, you may send us a copy of the order of protection and any alternative address, telephone number, or other methods of contact that you would like us to use, to:

1. Guarantr, Inc.

2. ATTN: Legal

3. 1 World Trade Center, 77th Floor

4. New York, NY 10007

Additional Information

The description of New York Insurance Law Section 2612 provided above is only a summary of the law. The complete text is available on the New York State Legislature’s website.

The New York State Office for the Prevention of Domestic Violence’s website has additional information and resources. To contact the New York State Domestic and Sexual Violence Hotline, please call (800) 942-6906.

Fraud Warning

General Notice

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act and may be subject to fines, restitution, or confinement in prison, or any combination thereof.

The specific fraud warnings listed below are applicable in the following states: AL, AK, AZ, AR, CA, CO, DE, DC, FL, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, and WV. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.

ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefits or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA: A person who files a claim with intent to defraud or helps commit fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFITS OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim to contain any false, incomplete, or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.

RHODE ISLAND: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.

TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.

WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

General Notice of Insurance Practices and Use of Consumer Reports

In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we may order one or more reports provided by independent consumer reporting agencies.

These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, a credit score or an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score.

All reports are kept strictly confidential. The information we obtain will be used for underwriting purposes. We may access future reports in connection with an update, renewal, extension, cancellation, or non-renewal of your insurance coverage.

Upon request, we will provide you with the name, address, and telephone number of any consumer reporting that furnishes us with your report. These consumer reporting scores do not take into account income, race, gender, religion, or marital status.

We will review your credit history when we are legally required to do so, or you may request a review once for every six-month policy term. Any adjustment in premium made pursuant to a change in your credit history will be reflected on your next renewal offer.

One service provider we use to gather your personal and financial information from financial institutions is Plaid Technologies, Inc. (“Plaid”). By using the website, and the products and services offered herein, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

Specific Use of Credit and Consumer Information in Lease Guaranty and Security Deposit Bond

Lease Guaranty and Security Deposit Replacement products are Surety Bonds. They are supplemental guarantees that you are able to meet your obligations to the landlord or property owner of your leased unit and therefore have elements of a credit product based on your financial profile. For these reasons, additional information about your income, employment history, personal assets, and citizenship/visa status may be collected. The information we are collecting is necessary to verify information about you, and determine your eligibility and the correct premium to charge you for these products.

Because Lease Guaranty and Security Deposit Replacement Bonds are a type of contingent credit, your financial profile and creditworthiness are the primary factors in determining eligibility. The inquiry used for these products is a standard credit inquiry and may affect your credit score.

No information related to race, color, religion, actual or perceived gender (including gender identity), marital status, sexual orientation, disability, age, lawful occupation, presence of children, lawful source of income (including public assistance), or any other aspect of a protected federal, state or local protected class is used to determine eligibility or calculation of premiums.