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:
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.
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.
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.
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.
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.
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.
|Category of Personal Information||Collected and required to provide our services||Sold 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 number||Claim payments||Secure 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, gender||Analytics providers|
|Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)|
|Credit card number||Secure payment processing|
|Debit card number||Secure payment processing|
|Driver’s License Number / State ID||Only for Term Life applications, and rarely during claims||Authentication|
|Electronic network activity (e.g., browsing history)||Only on our website / apps||Analytics providers|
|Employment||Rarely during claims||Authentication|
|Employment history||During claims||Claim support services|
|Geolocation data||Analytics providers|
|Health insurance information||Rarely during claims|
|Identifiers (e.g., name or alias)||Claim support services|
|Insurance Policy Number||Claim support services|
|Medical information||Only for Term Life applications, and rarely during claims||Claim support services|
|National origin, citizenship, immigration status||Term Life Only|
|Online identifier (e.g. IP address)||Analytics providers|
|Other financial information||Sometimes during claims|
|Passport Number||Rarely during claims|
|Physical Characteristics||Term Life Only|
|Social Security Number||We may ask for it sometimes, mostly the last 4 digits.||Claim support services and insurance background check|
|Telephone Number||Claim support services|
|Transaction information||Payments processors|
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.