The Information We Collect and Use
As discussed in , “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:
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.
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
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.
C. Protected classification characteristics under California or federal law.
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).
D. Commercial information.
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
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.
F. Internet or other similar network activity.
Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
G. Geolocation data.
Physical location or movements.
H. Sensory data.
Audio, electronic, visual, thermal, olfactory, or similar information.
I. Professional or employment-related information.
Current or past job history or performance evaluations.
J. Inferences drawn from other personal information.
Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
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.
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's scope, like:
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;
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 notice or . 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.
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. We do not track our customers over time and across third party websites for the purpose of providing targeted advertising. We do not respond to Do Not Track (DNT) signals. However, 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. If you would like any more information regarding our DNT policy, please contact .
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 , 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 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. Cookies are pieces of information that websites transfer to an individual’s hard drive for record-keeping purposes, and to save website preferences. Cookies are commonly used by businesses with an internet presence.
Cookies and similar technologies used on our site(including the information obtained through their use) fall into four categories:
Our Website utilizes first- and third-party cookies and similar technologies that are necessary in order to operate our business and maintain our Site, including verifying and authenticating Site users; preventing fraud and securing our Site; payment processing; enabling users to move around our Website and use its features; and complying with applicable laws and industry standards. These essential cookies and similar technologies don't gather information about you that could be used for marketing or tracking your browsing activity. This category of cookies generally cannot be disabled.
Our Website utilizes first- and third-party cookies and similar technologies to provide enhanced features and remember user preferences, including identifying return users when visiting our Site (for example, to remember your login credentials); keeping track of user preferences, interests, and past items viewed or utilized (for example, preferred language or past purchases); and providing social features that allow users to interact with social media services through our Site (for example, Facebook or Twitter).
If our Website allows users to interact with social media services (for example, the Facebook "Like" button or "Share to Twitter" button), the operators of those services can place a cookie on your device enabling them to recognize users who have previously visited our Site. If you are logged into these social media services while visiting our Site, these cookies allow the social media services to receive information that you have visited our Website or other information. These cookies also allow the social media services to share information about your activities on our Site with other users of the social media services.
Our Website may utilize first- and third-party cookies and similar technologies for analytics, product development and market research purposes, including analyzing how users arrive at and engage with our site or ads; tracking and measuring the performance and effectiveness of our Site and ads; optimizing the location of ads, features, and other content on our Site; statistical reporting in connection with website activity; analyzing user preferences and behaviors and market characteristics and trends in order to develop and improve our products, Site, and ads; segmenting audiences to test features of Site and ads; and conducting research about our consumers, products, and online services.
Our Website may utilize, and reserves the right to utilize, first- and third-party cookies and similar technologies to deliver, track, and measure ads both on and off our Site, including ads relevant to your interests (for example, ads based on your past interaction with our Site or based on predictions about your interests derived from your activities on different websites over time); and ads based on your location, demographics, or device characteristics. Cookies are also used for tracking and measuring the reach and frequency of ads and regulating the delivery of such ads (for example, capping the number of times you see a particular ad).
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 disclose 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 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. We do not share your profile with third parties.
Information Sharing and Disclosure. Except for the limited situations listed here in , we will not share your personal information with third parties. To the extent we are legally permitted 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 legal process.
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 to those businesses but they are not permitted to retain or use your information for any other purpose.
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 .