Lemonade’s Data Privacy Pledge

TL;DR: We will never, ever, sell your data to anyone.

In light of growing concerns about companies selling customers’ private data, we thought this would be a good opportunity to tell you about what types of data we collect, why we collect it, and what we do with it.

Data is important. In fact, it’s the foundation on which most of the technology we’ve grown to love is built. Without it, services like ride sharing and music streaming wouldn’t exist. Data is what lets companies like ours personalize their service, making it instant, fun, and hassle free.

We use data to personalize coverages, pay claims in seconds, prevent fraud, help our users perform instant changes to their policy, collect payments, and improve our advertising. But, what we don't do, and never will, is sell your private information.

The data we require to provide our insurance services includes personal info that can identify you or be linked to you, such as your name, address, email, date of birth, social security number (only in cases that we explicitly ask for it), basic employment information, and your IP address. A full list of the categories of info we collect and don’t collect can be found here.

Here’s how we may use your data:

General site visits

We collect anonymous website traffic to help us analyze performance in certain markets and improve our ad efficiency. For example, our team evaluates the efficiency of new ad campaigns by tracking visits from that campaign to our website. We’re using secure, industry-standard, third-party tools to analyze this data.

Obtaining insurance quotes

To be able to offer the best coverage at the right price, insurance companies evaluate the risks involved. For example, to be able to insure a home, we collect the property’s exact address as well the customer’s name so we can get their insurance and credit history. We may, in some cases, require personal, identifiable information such as full name, date of birth, and social security number. We’re using secure, industry-standard, third-party tools to analyze this data.

Fighting fraud

To be able to detect potential fraud attempts, we may collect past property or personal insurance history, as well as things like criminal background information. We’re using secure, industry-standard, third-party tools to provide and analyze this data.

Paying for and using insurance

To cover high-value property such as jewelry and art, we may ask for pictures as well as other information proving ownership and value. We’re using secure, industry-standard, third-party tools to collect, store and analyze this data. When buying a policy, we use a third-party vendor to securely collect credit card information to handle payments.

Filing claims

To be able to review claims, we ask users to provide various documents in the form of videos, pictures, signatures, receipts, appraisals, and so on. To pay claims we require bank account details, as well as personally verifiable info such as the claimant’s social security number. We’re using secure, industry-standard, third-party tools to analyze this data.

Marketing and advertising

We may use cookies to help us optimize our digital campaigns, and to allow our customers to have a more personalized experience when coming back to our website. We’re using secure, industry-standard, third-party tools to analyze this data. We may also use information you submit to send you relevant content, personalized offers and announcements.

Cookies and first/third-party tracking

“Cookies” are small bits of info that a website sends to a computer’s hard drive when a website is viewed. We use cookies and clear GIFs. We participate in behavior-based advertising which means a third party uses tech (like a cookie or web beacon) to collect info about your use of our website so that they can provide ads tailored to your interests on our site or other sites.

We will always maintain our commitment to protecting your privacy

If there are changes to our privacy pledge, or (god forbid) a breach to your data, we will make sure to notify you via email, regular mail, or phone - as required by law.

Let us be specific. Here’s what we may collect:

Category of Personal InformationCollected and required to provide our servicesSold to third party (we will never do that)We may send it to one of our service providers
Images, audio and video recordings
Bank account numberClaim paymentsSecure payment processing
Biometric information (such as voice and handwriting recognition)
Characteristics of protected classifications (e.g., age, gender, race, ethnicity, physical or mental handicap, etc.)Age, genderAnalytics providers
Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)
Credit card numberSecure payment processing
Debit card numberSecure payment processing
Driver’s License Number / State IDOnly for Term Life applications, and rarely during claimsAuthentication
Electronic network activity (e.g., browsing history)Only on our website / appsAnalytics providers
Email address
EmploymentRarely during claimsAuthentication
Employment historyDuring claimsClaim support services
Geolocation dataAnalytics providers
Health insurance informationRarely during claims
Identifiers (e.g., name or alias)Claim support services
Insurance Policy NumberClaim support services
Medical informationOnly for Term Life applications, and rarely during claimsClaim support services
National origin, citizenship, immigration statusTerm Life Only
Online identifier (e.g. IP address)Analytics providers
Other financial informationSometimes during claims
Passport NumberRarely during claims
Physical CharacteristicsTerm Life Only
Postal address
Social Security NumberWe may ask for it sometimes, mostly the last 4 digits.Claim support services and insurance background check
Telephone NumberClaim support services
Transaction informationPayments processors

If you’re into legalese, this part’s for you

In parallel to this Privacy Pledge, Lemonade also follows state laws implementing the Gramm-Leach-Bliley Act’s (GLBA) notification requirements. You may exercise your privacy rights without fear of discrimination. To request to access, change, or delete your data, email us at [email protected] or call us toll-free at 844-733-8666.

California Information Sharing Disclosure: This Information Sharing Disclosure is provided for FOR CALIFORNIA RESIDENTS to comply with the California Consumer Privacy Act, codified at California Civil Code Sections 1798.100 through 1798.199 (CCPA), and supplements the Lemonade Privacy Policy to which it is appended. Sections 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 of the CCPA indicate that organizations should disclose whether the following categories of personal information are collected, transferred for “valuable consideration,” or transferred for an organization’s “business purpose” (as those terms are defined under California law). The table above indicates the categories of personal information we collect and transfer in a variety of contexts. Please note that because this list is comprehensive, it may refer to types of information that we collect and share about people other than yourself.

For residents of the EU / EEA

Effective Date January 27th, 2021