REIN Technologies (US) Inc. Privacy Policy

Effective Date: August 12, 2019 Last Updated: June 21, 2023

REIN Technologies (US) Inc. Privacy Policy

Effective Date: August 12, 2019 Last Updated: June 21, 2023

Table of Contents:

Scope of this Privacy Policy

This Privacy Policy explains what information REIN Technologies (US) Inc. and its subsidiaries including REIN Connected Insurance Agency, LLC (formerly known as Acend Insurance Solutions, LLC) ("REIN", "we", "our" or "us") or our service providers collect in connection with our Services, how we use or share your information, and your rights with regard to such information. Our "Services" mean (a) the provision of this website and any other webpage or online form offered by us that links to this Privacy Policy (each a "Site" and collectively the "Sites"), (b) products and services we offer or sell online through a Site, including insurance agency services, and referrals to business partners' offerings, for example, when you request a quote for a specific product or service (which may be entirely separate from what we sell directly to consumers), (c) online information or tools we provide via any Site and any mobile applications we develop, whether independently or in collaboration with third parties, for the web, or a mobile device.


In this Privacy Policy, "Personal Information" means information that can be used to identify an individual, either from that information alone or from that information combined with other information REIN has access to about that individual.


When we refer hereinafter to "User", "you" or "your", we mean the person visiting our Sites, engaging with our forms on a third party website and/or otherwise using our Services. Please familiarize yourself with our privacy practices and let us know if you have any questions. Should you have any questions about our data handling practices as summarized in this Privacy Policy, please see "Contact Us" at the end below.

Acceptance

Please read this Privacy Policy for complete details. If you do not agree to the terms of this Privacy Policy, then we cannot provide our Services to you, and you should stop accessing Services (including all Sites) and deactivate any account with us which you have created.


By accessing or using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. Your continued use of our Services after we post any modifications to the Privacy Policy will constitute your acknowledgment of the modifications and your agreement to abide and be bound by the modified Privacy Policy.

Information Collected; How We Use It

In the normal course of operating providing our Services (including operating our Sites), we may collect, store and process Personal Information that you make available to us, directly and indirectly, when accessing or using our Services. We may collect this information directly from you when you use the Services (for example when you complete an online form), or from our service providers, data aggregators, customers, government agencies, consumer reporting agencies, insurers, public records and other third-party sources as described in this Section. We may also indirectly collect the information from you when you visit or use one of our Sites.


Specific examples follow below, but generally, as regards information we have about you (including Personal Information), we use the information to provide our Services to you (including assisting you to obtain quotes, estimates or more information about our business partners' and customers' offerings), communicate with you about your requests, offer, maintain, improve and troubleshoot the Services, as well as to report and respond to claims, to prevent fraud, to conduct analyses for our business, for security purposes, for other normal business administration and related services, to protect REIN and to conduct investigations of possible breaches of law, to cooperate with law enforcement, or to identify, contact or bring legal action against someone who may be violating any agreement with us, and as otherwise required or permitted by applicable law.


  • Accounts; Use of our Insurance Agency Services: When you register with us, create an account for, and access our insurance agency Services through the account, thereafter update your information on your account, you voluntarily provide us with Personal Information. When you create an account, we will ask for the following Personal Information from you: your name, email address, account password. We may also collect your age, phone number, physical address, and professional or employment information that identifies you as additional Personal Information. We may further collect information relating to your insured equipment and devices, which on its own is not Personal Information, but may when combined with other information be used to identify you. For example, we may have your vehicle's vehicle identification number (VIN) or drone model number, tail number and serial number, depending on which of our Services you use. We may also collect drone pilots' FAA license number in some instances. To process insurance claims, you may be required to submit photos showing insured assets' condition. We may transmit your Personal Information to our insurance carriers or their representatives for purposes related to your insurance policy or claims. If you need to update your information, you may be able to do so through your account, or by contacting us as provided in "Contact below.

    We may also obtain other Personal Information about you as necessary to provide requested coverage from consumer reporting agencies, insurers and unaffiliated third parties, public records and other sources. Information collected about you may include information related to your employment history, credit score, credit history, or transactions with us or others. Also, we may check the information you provide to us with certain government databases, including the Federal Aviation Administration (FAA) and the Office of Foreign Assets Control (OFAC), regarding your application to use our Services.

  • Unmanned Aircraft System Log Files: When you are drone insurance customer of ours, we may receive, store and process log files from your unmanned aircraft system. We may also transmit these log files to our insurance carriers or their representatives as part of the claims process, updating rates and data analysis. Log files may include location information (such as a latitude and longitude), the make and model of your unmanned aircraft system, business names, and serial numbers for your unmanned aircraft system components and equipment.

  • Vehicle, Device and Driver Data: When you are a vehicle insurance customer of ours, as part of our data analysis services provided to insurance partners, we may receive, store and process data from vehicles such as commercial trucks and devices, software used in such vehicles and driver data on behalf of our insurance partners. This data may include telematics data, GPS data, diagnostics data and the gender, birthdate and state of vehicle drivers. We analyze this data on behalf of our insurance partners to assess risk, enhance loss prevention tools and improve the overall insurance process.

  • Online Forms: When you complete an online form to request a quote, estimate, or referral to products offered by us or our business partners and customers, we will typically collect your name,

    address, email address and phone number and additional information as Personal Information. We will also request additional information depending on the type, product, or service your request relates to. For example, your date of birth may be needed in some instances. The nature of your assets you are protecting may also be needed, for example, data relating to the vehicle, watercraft, home or other asset you may be seeking to insure, how long you have owned/lived in it, current insurance information, estimated income, estimated debt, credit score range, driver's license number, social security number, length of time at your current residence, whether you rent or own the residence, whether you have filed for bankruptcy, and demographic information such as gender. If we associate such information with you in a way that identifies you, we treat it as Personal Information under this Privacy Policy. If you have questions about updating your information, contact us as provided in "Contact below."

  • Requesting a Quote, Estimate or Other Information from one of our Partners: We act as a service provider to other businesses by allowing consumers to request a quote, estimate or more information about a product or service our partners may offer (which may be unlike any products or services we offer directly). We offer this service in many instances without the need to create an account with us or register with us. In most cases, we will need at least your name, email address and age to provide the requested details. We may also need your location to fulfill your request. In some instances, account holders with us may also complete a form to receive information about a third-party offering. If we already have the information needed to complete the form because of our existing relationship with them, they consent to our using it for the form when they click to submit the form. You may see such a form, for example, for auto insurance quotes on a third-party website when you visit that site and elect to complete the form hosted by us to request the information. We act as a service provider to other brands (in the insurance industry and other unrelated industries as well) in assisting them to receive indications of interest from consumers. The form you complete to receive quotes or information from third parties is subject to this Privacy Policy unless the form indicates another Privacy Policy applies. If a consumer ultimately engages with the other brand (in the consumer's discretion), they would interact with the brand subject to the other brand's own separate privacy policy. Information you provide is voluntarily provided to us to fulfill your request and we share it with our business partners as needed to fulfill your request. We are not affiliated with, and do not endorse, specific third-party brands of products and services for which we act as a service provider collecting leads. You should conduct your own due diligence on any other businesses with which you determine to interact.

  • Job Application: If you visit our "Careers" page and choose to apply for one of the positions listed, we will ask you to provide your first and last name, email address and upload a resume. You also have the option to upload a cover letter. Categories of information we collect will depend on what you include in your resume, such as employment and education history, language skills, qualifications, and other information you choose to share with us.

  • Advertising and Marketing: We may use your Personal Information to send you offers of interest, for sales, marketing and advertising purposes with respect to our offerings and partner offerings where you request a quote or estimate or more information about partner offerings.

  • Communications with Us: You may voluntarily make Personal Information available to us when you complete a contact form on a Site, contact our customer service agents, and/or when you report, change or update an insurance claim or your account information. You may also voluntarily provide us with Personal Information so we can respond to your requests and communicate with you about them.

  • Log Data: We may also receive, store, and process "log data", which is information that is automatically recorded whenever you access or use our Sites and Services, regardless of whether you are registered with us or logged into your account, such as your IP address, location data provided by your browser's Geolocation API (such as an approximate latitude and longitude based on your IP address), the date and time you accessed our Sites, the hardware and software you are using, referring and exit pages and URLs, the number of clicks, device event information, pages viewed and the order of those pages, and the amount of time spent on particular pages.

  • Cookies & Tracking Data: Our Sites automatically collect log data (described above) about Users to help us maintain, secure and improve our Services, understand the effectiveness of our advertising, and who is interested in our Services. For example, our Sites automatically gather a User's IP address, location data provided by their browser's Geolocation API (such as an approximate latitude and longitude based on the User's IP address), which Internet Service Provider the User utilizes, statistics about how Users navigate through and use our Sites, and other log data gathered through the use of cookies and other technologies.

    You may decline our cookies if your browser permits. By using our Sites, you agree that we can place cookies on your browser, unless you have limited their use in your browser settings.

    We may use user activity tracking technologies (e.g., Google Analytics) to help us understand how our visitors use the Site and services. You can read more about how Google uses your personal information here: https://policies.google.com/privacy?hl=en. You can also opt out of Google Analytics here: tools.google.com/dlpage/gaoptout.

  • Telephone Communication: When you call our customer service team, we may collect your name, account ID, and other information regarding the purpose of your call-in addition to any Personal Information that you may provide in the process of identifying you, your account (if any) and communicating with you about your request to our team.

Information from Third Parties

  • Information from Other Sources or Combined by Us: We may combine information about you we receive from you directly with information about you from third-parties. For example: we may verify the identity of a person making a request to us with third-party databases, locate your vehicle and other related information from third-party data sources based on your Personal Information provided to us and augment our log data regarding Site Users

  • Social Media Services: When you sign in, or engage, with our Services through a third party social media websites, you are agreeing to give us ongoing access to the Personal Information that you have provided to such third-party accounts, including your public profile, birthday, work history, education history, personal interests, and other personal information. We are not responsible for the privacy practices of third-party social media websites (which we do not own or control) that you elect to link to our Sites or Services. We encourage you to check the privacy policies of those other websites to understand and exercise your options to limit access to your information.

  • Payment Processing Services: For clarity, we do not collect payment card data from you or other financial account information. Any payments we process are processed through third-party payment processing services that do not share your credit card or debit card number, with us. They will however notify us the payment transaction was completed, its amount and when it was completed.

Do not Track, Third-party Tracking

We do not permit third parties to track Site users to promote third parties' products or services. Our Sites do not respond to browser-based Do-Not-Track signals. You may adjust the settings on your mobile device or computer to limit what information is tracked through your use of a Site. Please note that disabling certain tracking may impact your ability to use certain Site functionality. Third parties, other than our vendors assisting with making the Services available do not have authorization from us to track your uses of the Site or track what other activities you may have engaged in before or after using the Site (for example, using a different website). That said, we cannot control third-party tracking and there may be some third-party tracking that occurs without our knowledge or consent.

How We Protect Personal Information

We have commercially reasonable security measures in place to protect Personal Information we collect from unauthorized use, but please be aware that no method of transmission of data over the Internet or method of electronic storage is 100% secure.


Your password and account credentials are sensitive. We need to be able to assume that anyone using your account as you, by using your password and credentials, is you. We will not ask you for your password. Please do not share your password or account credentials with anyone or allow anyone else to use them. By creating an account on our Sites, you agree that the information you share with us is complete and accurate and that you will keep your information confidential and up-to-date.

How We Share Personal Information

We may disclose your Personal Information to third parties to protect the security and integrity of the Services and their users, to correct technical problems and malfunctions of the Services, to technically process your information, to provide the Services or to take precautions against liability.


We also may provide your Personal Information to service providers who provide services on our behalf, such as our data centers and service providers supporting marketing assistance, performing statistical analysis, providing customer service, payment processing and identity verification. These service providers have access to the Personal Information as necessary to perform their functions.


As described in more detail above, we act as a service provider to other businesses by allowing consumers to request a quote, estimate or more information about a product or service our partners may offer (which may be unlike any products or services we offer directly). We share data you submit to us with partners so they can respond to your request for a quote, or additional information. If you request Services via a mobile device, your request will be transmitted via your mobile carrier's or internet provider's network and these parties may have access to it. Consult your carrier's/provider's privacy policy for additional information.


We reserve the right to transfer any information we have about you in connection with a sale, merger, consolidation, change in control, transfer of assets, reorganization or liquidation of our business. We reserve the right to disclose any personal information as needed if that information is requested by law enforcement agencies or if we are required to do so by law, treaty, regulation, subpoena, court order, or by a government entity. We also may disclose your Personal Information to third parties if we have reason to believe that disclosing such information is necessary to conduct investigations of possible breaches of law, to cooperate in any legal investigation, or to identify, contact, or bring legal action against someone who may be violating any agreement with us or may be a danger to themselves or other users.


We may also share non-Personal Information in order to improve our risk modeling and perform aggregate reporting.

We may need to disclose or provide access to Personal Information if required to do so by law or if we have a good faith belief that such action is necessary to comply with the law, such as in connection with a judicial proceeding, court order or legal process, including (a) to respond to claims asserted against us; (b) to comply with legal process (e.g., subpoenas and warrants); (c) to enforce and administer our agreements with Users; (d) to prevent or investigate fraud; or (e) to protect our rights or the safety of us, our Users or members of the public.

Third-Party Websites

We may maintain links to other websites on our Sites, including social media sites, for the information of our users. We do not vouch for third-party content or offerings; you need to diligence them yourself. If a User chooses to visit other websites from our Sites, we are not responsible for the privacy practices or content of those other websites. We encourage you to refer to such third party's privacy policy to find out more about such party's data practices.

Children's Privacy

Our Services are not directed toward children. It is our policy not to solicit or collect Personal Information from children under age 13 ("Child"). If you are a parent or guardian and you learn that your Child has provided us with Personal Information, please contact us. If we discover that a Child under 13 has provided us with Personal Information, we will take steps to delete such information from our servers as soon as possible.

Your Choices

Unsubscribe: Recipients may opt out of marketing email by emailing us at info@rein.ai with "UNSUBSCRIBE" in the subject line or clicking an unsubscribe option with the email. To opt out of texts from us, submit "STOP" in response to the texts. Your option not to receive promotional and marketing material by email will not preclude us from corresponding with you, by email or otherwise, regarding your existing or past business relationships with us. A stop text request will halt all texts from us. Neither asking to unsubscribe from emails nor cease texts will preclude us from accessing and viewing your Personal Information while maintaining and improving our Services.


Account Management: It is not necessary to create an account to use some of our Services. If you do create an account, following registration, you may add, delete or modify information on your account. If you have questions about reviewing your Personal Information or making changes to it, please contact us as provided below. We may also ask you to verify your identity before granting access or making corrections.


Cookies: You may decline our cookies if your browser permits. By using our Sites, you agree that we can place cookies on your browser, unless you have limited their use in your browser settings.

California Privacy Notice

Please see additional information in the linked notice for California residents.

Colorado Privacy Notice

Please see additional information in the linked notice for Colorado residents.

Nevada Privacy Notice

Nevada residents may make a "do not sell" request to us similar to a California resident. Please see details on how to make a do not sell request in the notice for California residents linked above. Or you may go directly to our online form to do so here. Please be aware that we may not be able to fulfill or complete your previously requested quotation, estimate, etc. from a business partner like an insurance carrier if you make a do not sell request to us.

Virginia Privacy Notice

Please see additional information in the linked notice for Virginia residents.

Notice to Residents of Countries Outside the United States

We are based in the United States. By visiting a Site or using our Services, you submit Personal Information to us in the United States. If you are located outside of the United States, be advised that any information you provide to us will be transferred to and stored in the United States and that, by submitting information to us, you explicitly authorize its transfer and storage within the United States. We will protect the privacy and security of personal information according to this Privacy Policy regardless of where it is processed or stored.

Governing Law; Jurisdiction and Venue

This Privacy Policy shall be governed by and construed in accordance with applicable U.S. privacy laws. You agree that any suit, action or proceeding arising out of or relating to this Privacy Policy shall be instituted only in a state or federal court sitting in Suffolk County, Massachusetts. You hereby waive any objection you may have now or hereafter to the laying of the venue of any such suit, action or proceeding, and irrevocably submit to the jurisdiction of any such court in any such suit, action or proceeding.

General Information

If any part of this Privacy Policy is held invalid or unenforceable, the remaining portions shall remain in full force and effect. Our failure to exercise or enforce any right or provision of this Privacy Policy shall not constitute a waiver of such right or provision.

Changes

Please note that we may change this Privacy Policy from time to time to accurately reflect how we then gather and manage Personal Information. All changes to this Privacy Policy are effective upon posting to our Sites, as shown by the Last Updated date above, without prior notice.

Contact Us

If you have any questions or suggestions regarding this Privacy Policy or how to exercise any of your rights under this Privacy Policy, please get in touch with us by email at data@rein.ai.