TL;DR: We will never, ever, sell your data to anyone.
In light of growing concerns about companies selling customers’ private data, we, Lemonade, Inc., and our affiliates and subsidiaries (collectively, “Lemonade”, “we” or “us”), 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 data we collect and don’t collect can be found below.
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. 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 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 history. If you’re an enrolled driver on a Lemonade car policy or voluntarily activated location services on our app (“Car User”), your usage of our app and your driving habits (“Driving Data”) will be used to analyze and evaluate your risk profile, which may ultimately be used as one of the determining factors of your premium.
If you purchase pay-per-mile insurance and connect a wireless enabled telematics device to your covered vehicle(s), the device is capable of collecting and communicating back a variety of diagnostic information about your vehicle and your trips, including miles driven, speed, heading, acceleration, deceleration, altitude, periodic odometer readings, collision and impact, location information, vehicle diagnostic information, and any information derived from the foregoing information (collectively, “Data”). This information is collected only in connection with policyholders using the pay-per-mile service. See Terms and Conditions for Telematics Device for more information on the telematics device.
To be able to detect potential fraud attempts, we may collect past property or personal insurance history, as well as things like images, audio, video recordings, and criminal background information.
To evaluate risk, we may ask for documents, pictures as well as other information for proving ownership, condition and value. 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 information in the form of video-supported claim submission, as well as 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. If you are enrolled on a Lemonade car policy, Driving Data for each driver may be helpful in determining the cause of a loss. We may review this data as part of our investigation and review of a claim, as well as for improving our systems and services. The Driving Data may be sought by third parties, such as opposing parties in a civil lawsuit or by police when investigating a claim.
We may use Driving Data to develop new insurance products and services, improve the accuracy of our rates, and optimize our underwriting. From time to time, Driving Data may be provided to state insurance departments or third party service providers, on an aggregated and anonymized basis.
We may also use Driving Data to identify possible crashes and emergency situations and may proactively reach out to assist.
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. The data and information we collect is processed and analyzed using secure, industry-standard, internal and third-party tools.
|Type of data||Collected and required to provide our services||Sold to a third party (TL;DR: Never gonna happen)||May be shared with a third party to improve our services|
|Images, audio and video recordings|
|Bank account number||Claim payments||Secure payment processing|
|Biometric information (such as identity-verifying voice, handwriting and facial features, excluding behavioral characteristics, like driving behaviors, etc.)|
|Characteristics of protected classifications (e.g., age, sex, 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||Car users, Term Life applications, and rarely during claims||Authentication|
|Driving Behaviors (e.g., speed, distance, hard breaks)||Car User only|
|Driving Distractions (e.g., your mobile phone usage while driving)||Car User only|
|Electronic network activity (e.g., browsing history)||Only on our website / apps||Analytics providers|
|Employment/Employment History||During claims||Claim support services, authentication|
|Geolocation data||Analytics providers|
|Health insurance information||Sometimes during claims|
|Identifiers (e.g., name or alias)||Claim support services|
|Location and Driving Distance||Car User only|
|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||Car User only|
|Non-Driving Behavior (e.g. being a passenger or using other modes of transportation)||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|
|Technical Data and Related Information (e.g. technical information about your smartphone, how you use our app, etc)|
|Telephone Number||Claim support services|
|Transaction information||Payments processors|
|Vehicle Information (odometer reading, engine codes, miles driven, impacts)||Car User only||Device provider|
In the event that you purchase pay-per-mile car insurance, this Privacy Pledge also applies to anyone who uses or accesses your covered car while the telematics device is active (see our Terms and Conditions for Telematics Device for more information regarding our telematics device and data). Accordingly, you must provide this Privacy Pledge to anyone who uses or operates a car that you rent, lease, own, or otherwise control or are responsible for while subscribing to our products and services. If you lend, rent, lease, or otherwise transfer your car , it is your responsibility to provide the driver or operator with a copy of this Privacy Pledge and obtain their consent to the terms herein. By using our pay-per-mile services, you agree to defend, indemnify, and hold us and our affiliates and service providers harmless from any claims brought against us by a third party user of your car that arise from our data collection and use practices while that third party is operating or using your car.
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.