Lemonade Privacy Policy
Last updated: May 27, 2019We, Lemonade, Inc., and our corporate affiliates ("we" or "us"), highly value and respect your privacy. This privacy policy ("Policy") outlines which information we collect when you ("you" or "your") access and use the website, mobile application (the "App"), products and services provided by us (which, together, are referred to as the "Services"), and how we protect and use it. The Policy also wishes to make sure that you are aware of the options available to you when you access and use our Services.
Please take a moment to familiarize yourself with the Policy before using our Services. Feel free to email us to [email protected] if you have any questions.
By accessing or using our Services, you agree to this Policy and to our Terms of Service. If you do not agree to this Policy or Terms of Service, please do not access or otherwise use our Services or any information contained herein.
Protection of Children’s Privacy
IF YOU ARE UNDER 18 YEARS OF AGE, THEN PLEASE DO NOT USE OR ACCESS THE SERVICES AT ANY TIME OR IN ANY MANNER.
Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or maintain Personal Information from persons under 18 years-of-age. If we learn that Personal Information of persons under 18-years-of-age has been collected on or through the Services, we will take the appropriate steps to delete this information.
If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user's account and/or access to the Services.
Collection of Personal Information
Keeping your information private and secure is incredibly important to us. These pages explain what we collect and why we collect it.
Please note: we only collect what we need and we only share when it’s necessary to help you out.
| Personal info we collect | Why we collect it? |
|---|---|
| Your name, address, and date of birth | We need this in order to determine the appropriate insurance price based on a risk assessment of your property, your claims history, credit rating, and other attributes. The credit check has no impact on your credit score. |
| Your email address | This is part of the account creation process. It’s also the way that we will contact you with policy, service, claims, availability in your region, and news-related communications. |
| Your home inventory | The more we know about your home and what’s in it, the better and faster we’re able to respond when you have a problem. |
| Your payment information | This is needed to process your payment. Since we use a third-party payment processor, we have only limited information about your payment transactions. |
| Facebook or other social account | This may be your preferred method for account creation. You may also use social connection as a way to ease the creation of a Lemonade community or to invite others to Lemonade. |
| Contact/Address book | You may use your contact list to ease the creation of a Lemonade community or to invite others to Lemonade. |
| App and device usage statistics | We may collect data from your smartphone. We aggregate and anonymize this data to look for statistical patterns that can help us give you, and all our users, more precise rates and coverage, as well as to improve overall performance and experience. |
| The type of incident, date, and time | We need this in order to create a record of your claim and to assess how to best respond. |
| Your phone number | We need this in order to contact you. We may share your phone number with our service providers who need to coordinate with you. |
| A short video | This helps us better understand what happened. The video is always kept private. |
Credit and Credit Based Information
Disclosure in accordance with section 2804(b) of the Insurance Law
If you are a first time user please read the following disclosure:
In connection with this insurance, we may review your credit report or obtain or use a credit-based insurance score, based on information contained in that report. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score comes from TransUnion.
If you used our services before and you wish to renew your policy please read the following:
In connection with this insurance, we may have previously used a credit report or obtained or used a credit-based insurance score based on information contained in that report. We may obtain or use credit information provided again, however, upon renewal of policy, such information may only be used to reduce premiums. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score comes from TransUnion.
Location information and other information from devices:
When you use the services through the App on a device, we will collect and use information about you in generally similar ways and for similar purposes as when you use the Lemonade website. In addition, we may collect information about your location. We may use the location information collected from your device to enhance your use of the Lemonade services by providing you with relevant content and contextual advertising. You can change the privacy settings of your device at any time, in order to turn off the functionality to share location information through the App and/or the website. Please note that turning off location sharing may affect certain features of our services. Though we may identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.
Does Lemonade share my information with others?
We will not share or sell your information for marketing purposes. We will share certain personal information with our partners and providers in order run our service and to resolve an incident. For example, we may share your name, address, and phone number with a plumber in order to deal with a burst pipe. We may also share non-personally identifiable information in order to improve our modeling and perform aggregate reporting, including by use of Google Analytics and other related services provided by Google (for more information on how Google Analytics collects and processes data visit: https://policies.google.com/privacy/partners).
Third parties, such as Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from our website and use that information to provide target ads. If you’d like to opt out of the collection and use of information for ad targeting, send us an email to [email protected]
How do you protect my information?
We restrict access to your information to our employees and others who we feel must use it to provide our products and services. We also maintain electronic and procedural safeguards to protect your information.
If I designate a cause for Giveback, what does that cause learn about me?
First off, thanks for giving to a cause! We do not share any personal information about you with your chosen GiveBack cause.
What are my rights regarding my information?
We value your privacy and control over your information and therefore you may, at any time, request to access your information in order to understand what information is being processed by Lemonade. You may ask us to change and update your information. You may also ask us to erase your personal information, if it is inaccurate or processed in violation of this Privacy Policy except for data that we are required to maintain under applicable laws and regulations.
A note to EU individuals
Lemonade, Inc. and our affiliates Lemonade Insurance Co. and Lemonade Insurance Agency, LLC (collectively, for purposes of this section, “Lemonade” or “we”) comply with the EU-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries transferred to the United States pursuant to Privacy Shield. Lemonade has certified that it adheres to the Privacy Shield Principles with respect to such data. If there is any conflict between the policies in this privacy policy and data subject rights under the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification page, visit https://www.privacyshield.gov/.
Lemonade is subject to the investigatory and enforcement powers of the Federal Trade Commission.
Pursuant to the Privacy Shield Frameworks, EU individuals have the right to obtain our confirmation of whether we maintain personal information relating to you in the United States. Upon request, we will provide you with access to the personal information that we hold about you. You may also correct, amend, or delete the personal information we hold about you if it is inaccurate or has been processed in violation of the Principles. An individual who seeks access should direct their query to [email protected] If an individual requests to correct, amend, or delete their personal information transferred to the United States under Privacy Shield, we will coordinate with our EU affiliate (Lemonade Insurance N.V.) to complete this request, unless an exception applies. Please note that your rights are not absolute and may be subject to regulatory requirements, third parties’ rights and our own legitimate interests.
We will provide an individual opt-out choice, or opt-in for sensitive data, before we share your data with third parties other than as described in this privacy policy, or before we use it for a purpose other than which it was originally collected or subsequently authorized. To request to limit the use and disclosure of your personal information, please submit a written request to [email protected].
Lemonade is required to disclose Personal Information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
Lemonade’s accountability for personal data that it receives in the United States under the Privacy Shield and subsequently transfers to a third party is described in the Privacy Shield Principles. In particular, Lemonade remains responsible and liable under the Privacy Shield Principles if third parties that it engages to process the personal data on its behalf do so in a manner inconsistent with the Principles, unless Lemonade proves that it is not responsible for the event giving rise to the damage.
In compliance with the EU-U.S. Privacy Shield Principles, Lemonade commits to resolve complaints about your privacy and our collection or use of your Personal Information. European Union individuals with inquiries or complaints regarding our Privacy Shield policy should first contact us at [email protected] or by mail at the address below.
Lemonade has further committed to refer unresolved Privacy Shield complaints to the BBB EU PRIVACY SHIELD, an alternative dispute resolution provider located in the United States. If you do not receive timely acknowledgment of your complaint from us, or if we have not resolved your complaint, please contact or visit the BBB EU Privacy Shield program at http://www.bbb.org/EU-privacy-shield/for-eu-consumers/ for more information or to file a complaint. The services of the BBB Privacy Shield are provided at no cost to you.
If your Privacy Shield complaint cannot be resolved through the above channels, under certain conditions, you may invoke binding arbitration for some residual claims not resolved by other redress mechanisms. See Privacy Shield Annex 1 at https://www.privacyshield.gov/article?id=ANNEX-I-introduction.
Specific note for EU employees - Lemonade commits to cooperate with the panel established by the EU data protection authorities (DPAs) and comply with the advice given by the panel with regard to human resources data transferred from the EU, in the context of the employment relationship. Contact details for the EU data protection authorities can be found at http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm. Complaints related to human resources data should not be addressed to the BBB EU PRIVACY SHIELD.
How does Lemonade communicate with its policyholders?
We primarily message our policyholders through email and the Lemonade App. Certain email communication related to your account and claims must be delivered and do not include an unsubscribe option. Please ensure that the email we have on record is accurate. You can manage app notifications through your device settings.
Who should use Lemonade’s website and App?
Our products and services are intended for anyone 18 years of age and old; we do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.
Will Lemonade ever change this Privacy Policy?
As Lemonade evolves, we may need to update this policy. No matter what we change, we will always maintain our commitment to protecting your privacy. We will post all revisions, along with their effective dates. We recommend that you check this page every so often to make sure you’re familiar with the latest policy. We will ask for your consent to policy changes if required by applicable law; in other cases, please note that your continued use of the Service after any change means that you agree with, and consent to be bound by, the new Privacy Policy.
General, Governing Law and Jurisdiction
We reserve the right to discontinue or modify any aspect of the Services at any time. This Policy, together with our Terms of Service and any other legal notices published by us on our website and in the App, shall constitute the entire agreement between us concerning the Services. If any provision of this Policy is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Policy, which shall remain in full force and effect, provided, however, that in such event this Policy shall be interpreted so as to give effect, to the greatest extent consistent with, and permitted by, applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.
This Policy shall be governed by the laws of the State of New York, without respect to its conflict of laws principles. We each agree to submit to the personal and exclusive jurisdiction of the courts located in the State where the policy was issued, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
