Lemonade’s Data Privacy Pledge

Data is important. It’s the foundation on which most of the technology we love is built. Without it, services like ride sharing and music streaming wouldn’t exist. Data allows us to personalize our services, making them instant, fun, and efficient.

We use data to personalize coverages, pay claims, prevent fraud, help users make instant policy changes, collect payments, and improve our advertising. However, we do not—and never will—sell your personal information without your consent.

We collect personal information that can identify or be linked to you, such as your name, address, email, date of birth, social security number (only when explicitly requested), employment information, and your IP address. A full list of the categories of data we collect (and don’t collect) appears below.

We also collect browsing and usage data automatically, through browser cookies and similar technologies, as well as from other sources like third parties and publicly available records.

How We Use Your Data

Using our online services

We use cookies, clear GIFs and similar methods (collectively, “Cookies”) on our websites and our app. Cookies are small bits of info stored by browsers to keep track of usage and user preferences. We may, for example, collect interests and website usage using Cookies to allow for a more personalized experience of our website and apps. We also advertise on websites such as Google, YouTube and others, and do our best to present you with the most relevant ads.

You can opt out of our advertising cookies here: youradchoices.com.

We also collect website traffic, including web logs, to help us analyze performance and improve our service and ad efficiency. We may use the technical information and related data as described below to improve and offer you content, products, or services. For example, we evaluate the efficiency of ad campaigns by tracking visits to Lemonade from these campaigns. We’re using 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. We collect information such as your driving record, claims history, driving behavior, property information, credit scores and consumer reports in order to evaluate risks and to provide you with an accurate quote for our insurance services. We may also collect information from your current or previous insurance carrier or loan provider. For the purpose of evaluating driving behavior, we collect driving data which may include driving records, accident history, and additional related information from third party sources. When possible, we may also obtain telematic, diagnostic and driving behavior information from your car, your phone or a connected device.

In some instances, we may offer you the service of obtaining alternative quotes from other insurers. To do that, we may be required to share certain information with third parties to allow for a quote to be created.

We may ask for documents or pictures, as well as other information for proving ownership, condition and value in order to be able to process and provide you with an insurance quote. For example, to be able to insure your home, we’ll need to collect the exact address, as well as your full name, date of birth, and other details. We may, in some cases, require information such as your driver’s license or social security number to process and generate a quote.

Lemonade Car and Telematics

If you’ve enabled driving-related permissions in the app—whether in connection with a car insurance policy or other features—we may collect and analyze driving data associated with you or other drivers on your policy. This data helps us assess driving risk, which may be used to inform your premium or determine eligibility for coverage. We may also use driving data to help manage claims, detect possible crashes or emergencies, and proactively offer assistance.

If you connect a wireless-enabled telematics device (“Telematics Device”) to a vehicle, the device will collect and transmit driving data to us. This may include diagnostic and trip-related information such as speed, direction, acceleration, braking, altitude, odometer readings, location data, phone use, and miles driven. In some cases, our app may also check for installed apps to help determine whether you're driving for a rideshare service.

See our Terms and Conditions for Telematics Device for more.

When contacting our customer service, or using any of the help features on our apps, we may use artificial intelligence and other automation technologies—in text, audio, or other formats—to help deliver a faster and better service. We may also use these technologies for quality assurance and training.

Fighting fraud

To be able to detect potential fraudulent activity, we may collect and analyze browsing behavior, property or personal insurance history, as well as things like images, audio, video recordings, and criminal background information. To prevent account takeovers, impersonation and other forms of fraud, we may use and sometimes require, facial recognition, biometric, and even live video identity validation meetings, which we will collect in compliance with applicable legal requirements.

Paying for and using insurance

To evaluate risk, we may ask for documents or pictures that can prove ownership, condition and value. When you buy 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 information in the form of video-supported claim submission, as well as videos, pictures, signatures, receipts, appraisals, and so on. If you are enrolled in a Lemonade car policy, driving data for each driver may be collected and used to determine the cause of a loss. We may review information about claim submissions and/or driving data (collectively, “Claim Data”) as part of our investigation and review of a claim, as well as for improving our systems and services. Claim Data may be provided to third parties, such as opposing parties in a civil lawsuit or by police when investigating a claim.

Receiving payment for claims

To pay a claim, we require your bank account details as well as personally verifiable information, such as a social security number and a photo ID.

Pricing and underwriting

We may use collected information such as Claim Data to develop new insurance products and services, improve the accuracy of our rates, and optimize our underwriting. We may share collected data, including your price, past quotes, Claim Data and additional details when requested by law or state insurance departments. We may also sometimes share collected information with third party service providers (such as analytics and reporting tools) on an aggregated and anonymized basis.

Local Reporting Requirements

Depending on the state where you live, we may be required by law to ask you for your gender and race. You can choose whether or not to provide such information.

Other uses

We may also use collected data in the following ways:

To communicate with you, such as to respond to or follow-up on your requests, inquiries, issues, or feedback.
To detect and protect against malicious, deceptive, fraudulent, or illegal activity, including violation of our policies and terms and conditions, security incidents, and harm to the rights, property, or safety of our company and our users, employees, or others.
To debug, identify, repair or improve software and human processes.
To comply with our legal or regulatory obligations, to establish or exercise our rights, and to defend against legal claims.
For administrative purposes.
For other purposes as we may require, and for which you will have given your consent.

When we disclose data

In order to conduct our business, we sometimes obtain services from third party vendors and may be required to disclose collected data to receive their services. These outside recipients may include:

DATA	REQUIRED FOR	VENDORS
Images, audio, and video recordings	Claim handling	Claim Service Providers
Bank account number	Claim payments	Secure payment processors and banks (to facilitate claim payments)
Biometric information (such as identity-verifying voice, handwriting and facial features, excluding behavioral characteristics, like driving behaviors, etc.)	Fraud detection, account takeover, cyber security	Service providers for fraud prevention
Age and gender	Pricing and underwriting	Analytics providers
Insurance purchase history	Advertising	Advertisers
Credit, debit, or bank details	Payment processing	Secure payment processors
Driver's license details	Car and Life insurance policies and claim handling	Authentication providers and claim service providers
Driving behaviors (e.g., speed, distance, hard braking)	Car insurance promotions, pricing, underwriting and claims	Telematics providers and risk assessment providers
Driving distractions such as phone usage	Car insurance promotions, pricing, underwriting and claims	Companies that provide risk analytics or telematics services
Browsing activity	Analytics, Advertising	Analytics providers and advertisers
Email address	User identification, account access, or advertising	Claims, marketing, analytics providers, telematics service providers, advertisers and agency partners
Employment history	During claims	Claim service providers
Geolocation data	Claim handling and cyber and security management	Telematics, risk, analytics, mapping, and roadside assistance providers
Health insurance information	Claims handling	Claim service providers and your Term Life carrier if not Lemonade
Your name or alias and date of birth	Quotes, coverage, claim handling, advertising	Claim service providers and advertisers
Location and driving distance	Car Underwriting	Telematics and risk assessment providers
Medical information	Term Life applications and for claims handling	Claim service providers, your Term Life carrier if not Lemonade
Online identifier (e.g. IP address)	Cyber security, quality of service analytics, advertising networks and advertising	Analytics providers, advertisers, and social networks
Other financial information	Claim handling	Claim service providers and fraud detection service providers
Physical characteristics	Term Life Insurance	Life carrier (if not Lemonade)
Postal address	Quotes, coverage, claim handling and advertising	Claim service providers, insurance background check providers, identification and authentication service providers, and advertisers
Social Security Number	We may ask for the last 4 digits for underwriting and claim handling	Claim service providers, insurance background check providers, identification, and authentication service providers
Technical data and related information	Enable the Lemonade app and website for managing your insurance	Service providers that provide technical support for our website and app, and telematics providers
Your Phone number	Uniquely identify you for the purpose of getting quotes, claim handling, and advertising	Claim service providers, telematics providers, advertisers, and social networks
Transaction information	Quotes and claim handling	Secure payment processors
Vehicle information	Car insurance quotes	Device providers, risk analytics providers, and telematics providers

Images, audio, and video recordings
REQUIRED FOR	Claim handling
VENDORS	Claim Service Providers
Bank account number
REQUIRED FOR	Claim payments
VENDORS	Secure payment processors and banks (to facilitate claim payments)
Biometric information (such as identity-verifying voice, handwriting and facial features, excluding behavioral characteristics, like driving behaviors, etc.)
REQUIRED FOR	Fraud detection, account takeover, cyber security
VENDORS	Service providers for fraud prevention
Age and gender
REQUIRED FOR	Pricing and underwriting
VENDORS	Analytics providers
Insurance purchase history
REQUIRED FOR	Advertising
VENDORS	Advertisers
Credit, debit, or bank details
REQUIRED FOR	Payment processing
VENDORS	Secure payment processors
Driver's license details
REQUIRED FOR	Car and Life insurance policies and claim handling
VENDORS	Authentication providers and claim service providers
Driving behaviors (e.g., speed, distance, hard braking)
REQUIRED FOR	Car insurance promotions, pricing, underwriting and claims
VENDORS	Telematics providers and risk assessment providers
Driving distractions such as phone usage
REQUIRED FOR	Car insurance promotions, pricing, underwriting and claims
VENDORS	Companies that provide risk analytics or telematics services
Browsing activity
REQUIRED FOR	Analytics, Advertising
VENDORS	Analytics providers and advertisers
Email address
REQUIRED FOR	User identification, account access, or advertising
VENDORS	Claims, marketing, analytics providers, telematics service providers, advertisers and agency partners
Employment history
REQUIRED FOR	During claims
VENDORS	Claim service providers
Geolocation data
REQUIRED FOR	Claim handling and cyber and security management
VENDORS	Telematics, risk, analytics, mapping, and roadside assistance providers
Health insurance information
REQUIRED FOR	Claims handling
VENDORS	Claim service providers and your Term Life carrier if not Lemonade
Your name or alias and date of birth
REQUIRED FOR	Quotes, coverage, claim handling, advertising
VENDORS	Claim service providers and advertisers
Location and driving distance
REQUIRED FOR	Car Underwriting
VENDORS	Telematics and risk assessment providers
Medical information
REQUIRED FOR	Term Life applications and for claims handling
VENDORS	Claim service providers, your Term Life carrier if not Lemonade
Online identifier (e.g. IP address)
REQUIRED FOR	Cyber security, quality of service analytics, advertising networks and advertising
VENDORS	Analytics providers, advertisers, and social networks
Other financial information
REQUIRED FOR	Claim handling
VENDORS	Claim service providers and fraud detection service providers
Physical characteristics
REQUIRED FOR	Term Life Insurance
VENDORS	Life carrier (if not Lemonade)
Postal address
REQUIRED FOR	Quotes, coverage, claim handling and advertising
VENDORS	Claim service providers, insurance background check providers, identification and authentication service providers, and advertisers
Social Security Number
REQUIRED FOR	We may ask for the last 4 digits for underwriting and claim handling
VENDORS	Claim service providers, insurance background check providers, identification, and authentication service providers
Technical data and related information
REQUIRED FOR	Enable the Lemonade app and website for managing your insurance
VENDORS	Service providers that provide technical support for our website and app, and telematics providers
Your Phone number
REQUIRED FOR	Uniquely identify you for the purpose of getting quotes, claim handling, and advertising
VENDORS	Claim service providers, telematics providers, advertisers, and social networks
Transaction information
REQUIRED FOR	Quotes and claim handling
VENDORS	Secure payment processors
Vehicle information
REQUIRED FOR	Car insurance quotes
VENDORS	Device providers, risk analytics providers, and telematics providers

In addition to the vendors described above, we may disclose any of the categories of personal information we collect with providers of professional services (e.g., our lawyers and accountants), technical support service providers, government entities, reinsurers, and nonaffiliated third-party companies who acquire or enter into negotiations to acquire our rights, in all or in part, to seek reimbursement for paid claims.

The Gramm-Leach-Bliley Act

Lemonade complies with state laws that require us to follow the Gramm-Leach-Bliley Act (GLBA) notification rules. Information that we collect when you apply for, or obtain our insurance products and services for personal, family, or household purposes is also subject to this Privacy Pledge.

State-specific additions

California

We may collect personal information from you as well as other sources, such as an insurance agent or broker, pursuant to California Insurance Code § 791.04.

We will not share personal information we collect about you with any nonaffiliated third parties, except for when required by law, or when requested or approved by you.

Virginia

In addition to the described above, we may:

Share your personal information with consumer reporting agencies.
Share your personal information with insurance regulatory authorities or law enforcement where we are required or permitted to do so by law, for example, to exercise our rights, and to defend against a legal claim.
Share personal information obtained from a report prepared by various organizations (such as local law enforcement or medical service providers) in order to conduct our insurance business.
Continue to hold and share the information described above after you've canceled your policy.

Your Choices

To request to access, change, delete your data, or to be added to our internal 'Do Not Call List' email us at [email protected] or call us toll-free at 844-733-8666.

In addition, depending on your state of residence, the kind of information we process, and our reason for processing it, you may also:

As a Nevadan:

Request a copy of our telemarketing practices

As a Virginian:

If you believe the data we have about you is incorrect, you may notify us in writing of what you would like to correct and why.
If approved, we will modify our records to reflect that change, and to the extent possible, will send the change to any organization that has received the inaccurate information from us.
If you disagree with our determination on the release of the information requested, you may send us a formal letter with the reason for your disagreement with our determination. Such a statement letter will become part of your records and will be included in any subsequent permitted disclosure to third parties, in accordance with applicable law.

As a Klingon:

By tradition, you may contest any errors in your galactic record and the data within them.
Upon glorious victory, your records will be amended, and our House shall inform all affected allies (hereafter “Galactic Allies”)

As a Californian

California law indicates that organizations should disclose whether certain categories of personal information are collected, transferred for “valuable consideration,” transferred for an organization’s “business purpose,” or shared for cross-context behavioral advertising (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. Note that we do not “sell” your personal information for monetary consideration.
You may request the categories and specific pieces of personal information we have collected about you
You may request that we delete personal information, but as a licensed insurance carrier, we may need to keep some or all of it
You may request that we correct information about you that is inaccurate or incomplete
You may opt-out of our tracking-based advertising by clicking the cookie settings link here, or the "Do Not Share" link on our homepage.
Please note that there are circumstances where the rights described above do not apply. We may limit or decline your request because the law permits it or requires us to do so, due to legal limitations or preference, or if we are unable to adequately verify your identity. We will not discriminate against individuals who exercise their privacy rights under applicable law.
We require you to prove your identity for any data change request. We may verify your identity by phone, email, or any other measure deemed necessary. We may ask for information such as your legal name, email, address, date of birth, payment method details, SSN, and a photo ID. We may also ask you to provide a formally signed declaration confirming your identity.
If you ask us to, we will use reasonable efforts to supply, correct or delete personal information about you. In some circumstances, you may designate an authorized agent to do this for you, which will require a notarized letter, signed by you, that authorizes the agent to act on your behalf.

How we protect and retain information

In the unlikely event of a data breach, which results in your personal information being compromised, we will make sure to notify you via email, regular mail, or phone, as required by law.

We retain your personal information for only as long as necessary to fulfill the purposes outlined in this Privacy Pledge, including for the purposes of satisfying any legal, accounting, cyber, fraud mitigation, and reporting requirements. We will only hold this information if a longer retention period is required or permitted by law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we obtained the information and whether we can achieve those purposes through other means, as well as applicable legal requirements.

We use security measures that comply with applicable laws in order to protect your personal information from unauthorized access and use. These measures include modern cloud security standards, as well as computer safeguards, secured files, and buildings. In addition, we restrict access to personal customer data to those who need it to provide insurance services or to conduct our normal business operations.

Changes to this Privacy Pledge

We may need to update this Privacy Pledge from time to time. No matter what we change, we will always maintain our commitment to protecting your privacy and post the current, updated version, along with its effective date on our website.