Privacy Policy

1. Information We Collect

We may collect the following categories of information:

• Contact Information, name, address, email, phone number, and related details.
• Payment and Verification Information, date of birth, billing details, credit card or bank account information, and related data needed to process transactions.
• Policy and Transaction Information, coverage selections, claims details, billing and shipping addresses, and other information necessary to deliver insurance services.
• Demographic Information, publicly available data such as age range, household size, or home ownership used for analytics and marketing.
• Website and Usage Data, device identifiers, IP address, browser type, operating system, referral URLs, cookies, clickstream data, and browsing behavior.
• Recorded Interactions, information shared during calls, chats, or customer service interactions to ensure service quality and correct processing.

2. How We Collect Information

• Directly from you, when you fill out forms, request quotes, apply for coverage, or contact customer service.
• Automatically, through cookies, pixel tags, analytics, and similar tools when you visit our websites.
• From third party sources, including partners, data providers, and service vendors that assist us in providing products and services.

3. How We Use Information

• Process applications, payments, and claims.
• Deliver products, services, and requested communications.
• Improve website performance, usability, and customer experience.
• Provide marketing offers and promotions where permitted.
• Satisfy legal, regulatory, and compliance requirements.

4. How We Share Information

We may share your information in the following ways:

• With Service Providers and Partners to fulfill underwriting, billing, claims, and related services.
• With Advertisers and Marketing Partners limited non sensitive information may be shared for offers or promotions. We do not share payment details with advertisers.
• With Third Party Cookies and Analytics Providers to collect anonymous usage data and serve ads.
• For Legal Reasons when required by law, regulation, subpoena, or to protect our rights, property, or safety.

5. Security Measures

We employ industry standard technical, administrative, and physical safeguards to protect personal information, including encryption, access controls, and monitoring. Access to personally identifiable information is restricted to authorized employees and contractors who require it to perform their roles, and all are bound by confidentiality obligations.

6. Your Privacy Choices

• Email Marketing you can unsubscribe from promotional emails via the link in each message or by contacting privacy@losspay.com.
• Cookies and Tracking you can disable cookies or use private browsing, though some features may not function.
• Telemarketing Notice by providing your phone number, you consent to be contacted, including via automated dialing, even if you are on a Do Not Call registry. You may opt out at any time by emailing privacy@losspay.com.

7. Access and Correction

You may request access to the personal information we maintain about you by contacting privacy@losspay.com. We will verify your identity before providing access. If information we hold is inaccurate, we will correct it upon proper verification. Reasonable administrative fees may apply, and we will notify you in advance of any charges.

8. California Privacy Rights, CCPA and CPRA

If you are a California resident, you have specific rights under the California Consumer Privacy Act and the California Privacy Rights Act.

Your Rights

• Right to Know what categories of personal information we collect, use, and disclose.
• Right to Access a copy of the personal information we maintain about you.
• Right to Delete certain personal information, subject to legal obligations.
• Right to Correct inaccurate personal information.
• Right to Opt Out of the sale or sharing of personal information. LossPay does not sell personal information for money but may share limited data for advertising or analytics.
• Right to Limit the use of sensitive personal information.
• Right to Non Discrimination for exercising your privacy rights.

Categories of Personal Information Collected in the past twelve months

• Identifiers, name and contact details.
• Commercial information, transactions, policies, claims.
• Financial information, payment details.
• Internet or network activity, cookies and browsing behavior.
• Demographic or public information.

How to Exercise Your Rights

You may submit a request by email at privacy@losspay.com or by phone at 1 833 LOSSPAY. We will verify your identity before processing requests and respond within the time required by law. You may designate an authorized agent to act on your behalf.

9. Notice at Collection, California Residents

When we collect personal information from California residents, we are required to inform you of the categories of data collected, the purposes of collection, and your rights.

• Categories Collected identifiers, financial data, commercial data, internet activity, demographic data.
• Purposes to provide insurance products and services, process payments and claims, improve customer experience, conduct analytics, comply with legal obligations.
• Retention personal information is retained only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes.
• Your Rights you have rights to know, access, delete, correct, opt out, limit sensitive data use, and be free from discrimination for exercising your rights.
• How to Exercise Rights contact privacy@losspay.com or 1 833 LOSSPAY.

For details, see the full California Privacy Rights section of this Policy.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable laws. Updates will be posted on this page with the effective date noted. If changes are material, we will provide notice as required by law.

11. Contact Us