Terms of Service and Insurance Related Notices

Last updated: October 25, 2020

Terms of Service

These Terms of Service ("Terms") govern your access to and use of the application and website (collectively, the "App") ("Services") provided by Lemonade Inc. and its subsidiaries Lemonade, Ltd., an Israel corporation, Lemonade Insurance Company, a New York insurance corporation, and Lemonade Insurance Agency, LLC, a New York limited liability company (collectively with Lemonade, Inc., "Lemonade," "we," "us," or "our"), so please read these Terms carefully before using the Services.

References to "you" in these Terms means you, your duly authorized representatives and any entity you may represent in connection with your use of the Services. Any reference made in these Terms to "Lemonade" shall be deemed to have been made to Lemonade, Inc., its successors, assignees, and US subsidiaries and affiliates, as well as any company that controls Lemonade, directly or indirectly, and any other subsidiary of that controlling company. Lemonade's family includes, without limitation, Lemonade Insurance Agency, LLC, a New York resident insurance agency, licensed and appointed to represent Lemonade Insurance Company in each state in which Lemonade insurance is sold.

Not all of the products or services described on the App are available in all areas of the United States and you may not be eligible for them. We reserve the right to determine eligibility. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Pledge. If you do not agree to these Terms, which incorporates the Privacy Pledge by reference please do not access or otherwise use our Services or any information contained here in.

We reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective upon the posting of the modification to our App, and will apply to causes of action arising after the effective date of the change. You should continue to check the App for changes. Your continued use of our App or otherwise the Services following the posting of changes to these Terms will mean that you accept those changes. By accessing or using our Services, you confirm that: (i) you can form a binding contract with us; and (ii) you are over the age of 18 as the Services are not intended for children under 18. 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. If you are using the Services on behalf of a corporation (or any legal entity other than using it personally), you represent that you are authorized to enter into an agreement on behalf of that legal entity, and are nevertheless individually bound by these Terms even if we have a separate agreement with such corporation.

In order to use the App, you must have access to a wireless network, and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by Google Play or App Store in connection with the Services, including the App. You agree to comply with, and your license to use the App is conditioned upon your compliance with, all applicable third-party terms of use and agreements (e.g., Google Play’s or App Store's terms and policies) when using the Services, including the App. You acknowledge that Google Play and/or App Store (and its subsidiaries) are third-party beneficiaries of the Terms and will have the right to enforce them.

The headings and captions used in these Terms are inserted for convenience only and will not affect the meaning or interpretation of these Terms. Do Not Rely on our App for your financial decisions. The content on the Lemonade website, app and other content is for convenience and information purposes only. Nothing therein should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Application License

Subject to these Terms and our policies (including policies made available to you with the Services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our Services, provided that: (i) You will not copy, distribute or modify any part of the Services without our prior written authorization; (ii) You will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.: (iii) You will not transmit any Content which contains software viruses, or other harmful computer code, files or programs; (iv) You will not disrupt servers or networks connected to the Services; and (v) You comply with these Terms.

Using our Services does not give you ownership of any intellectual property rights in the our Services or the Content you access (other than your User Content), which shall remain with us and our respective licensors.

Open Source Software

Certain software code incorporated into or distributed with the App or otherwise with the Services may be licensed by third parties under various "open-source" or "public-source" software licenses (collectively, the "Open Source Software"). Notwithstanding anything to the contrary in these Terms, the Open Source Software is not licensed under these Terms and instead is separately licensed pursuant to the terms and conditions of their respective open-source software licenses. You agree to comply with the terms and conditions of such open-source software license agreements.

Lemonade Rights

All right, title, and interest in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of Lemonade and its applicable licensors. We reserve all rights not expressly granted in and to the Services.

Account Information

In order to access the Service, you will have to create an account. You hereby represent and warrant that the information you provide to Lemonade upon registration (including information provided through your Linked Accounts, as defined below) (collectively, your "Account Information"), is true, accurate, current, and complete. You also hereby agree that you will ensure that this Account Information is kept accurate and up-to-date at all times.

Privacy and Passwords

Lemonade values and protects the privacy of your information. Please review Lemonade’s Privacy Notice, as it contains important information relating to your use of our App and Products.

Some portions of the Site and Products are protected and require a user identification code ("User ID") and password for access. Unauthorized access or use of such portions of the App is prohibited. You agree that you will notify Lemonade immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred. Notify Lemonade via email at [email protected]. For your protection, if Lemonade believes that any unauthorized access may occur or has occurred, Lemonade may terminate your account access without prior notice to you. You also agree that Lemonade is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Linked Accounts and Social Networking Sites

Lemonade may, now or in the future, allow you to voluntarily link your account on the Service to your account(s) on third-party services such as Google or Facebook ("Linked Accounts") for the purpose of simplifying the processes of signing up and logging in to your Lemonade account. If you choose to link your account on the Service to a Linked Account, you are authorizing Lemonade to store and use your first and last name, profile picture and email address and enable a login to your Lemonade account by authenticating you with the Linked Account.

User Content

General

The Service may request that you submit content such as text, photos, audiovisual content, and other media content ("User Content"). By providing User Content to Lemonade, you are granting Lemonade a license to use the User Content in order to make it available through the Service.

License Grant by You to Lemonade

By uploading User Content, you are granting Lemonade a license to display, perform and distribute your User Content and to modify (for technical purposes), and reproduce such User Content to enable Lemonade to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for Lemonade to make such User Content available to, and pass these rights along to, others with whom Lemonade has contractual relationships related to the provision of the Lemonade service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your User Content to third parties if Lemonade determines such access is necessary to comply with its legal obligations.

Submitted Ideas

When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to Lemonade through the App or through any other channel or mechanism (collectively, "Contributions"), you acknowledge and agree that: (i) your Contributions do not contain confidential or proprietary information; (ii) Lemonade is not under any obligation of confidentiality, express or implied, with respect to the Contributions; (iii) Lemonade shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way; (iv) Lemonade may have something similar to the Contributions already under consideration or in development; (v) your Contributions automatically become the property of Lemonade without any obligation of Lemonade to you; and (vi) you are not entitled to any accounting, compensation or reimbursement of any kind from Lemonade under any circumstances.

Unauthorized Use

Do not misuse our Services. You agree not to use the Service or any aspect or feature thereof for any unlawful purpose or in any way that might harm, damage, or disparage any other party. Without limiting the preceding sentence, you agree that you will: (i) review and comply with these Terms and the Privacy Notice; (ii) comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements; (iii) provide accurate information to us and update it as necessary; and (iv) act honestly and in good faith.

By using the Services you agree not to: (i) create an account for anyone other than a natural person (unless you are a company, organization, legal entity or a brand and represent that company, organization, legal entity or brand). (ii) verbally abuse, threaten, harass, intimidate, defame, bully, employ hate speech or otherwise harm any employee or agent of the company; (iii) use or attempt to use another's account or create a false identity; (iv) duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found in the Services, except as permitted in these Terms, or as expressly authorized by us; (v) reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof; (vi) utilize or copy information, content or any data you view on or obtain from the Services to provide any service that is competitive, in our sole discretion, with the Services; (vii) adapt, modify or create derivative works based on the Services or technology underlying the Services, in whole or part; (viii) rent, lease, loan, trade, sell/resell any information in the Services, in whole or part; (ix) use the communication systems provided by the Services for any commercial solicitation purposes; (x) sell, sponsor, or otherwise monetize any service or functionality in the Services, without our express written consent; (xi) remove any copyright, trademark or other proprietary rights notices contained in or on the Services (whether ours or our licensors'); (xii) remove, cover or otherwise obscure any form of advertisement included on the Services; (xiii) collect, harvest, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from the Services (excluding your User Content, and except if the owner of such information has expressly permitted the same); (xiv) share other users' or third party's information or their User Content without their express consent; (xv) infringe or use our brand, logos or trademarks in any business name, email, or URL except as expressly permitted by us; (xvi) use or launch any manual or automated  system or software, devices, scripts robots, other means or processes to access, "scrape," "crawl," "cache," "spider" or any web page or other service contained in our Services, or to access the Services in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser; (xvii) use bots or other automated methods to access the Services, add or download contacts, send or redirect messages, or perform other similar activities through the Services; (xviii) access, via automated or manual means or processes, the Services for purposes of monitoring its availability, performance or functionality for any competitive purpose; (xix) engage in "framing," "mirroring," or otherwise simulating the appearance or function of the App; (xx) attempt to or actually access the Services by any means other than through the interfaces provided by us. This prohibition includes accessing or attempting to access the Services using any third-party service, including software-as-a-service platforms that aggregate access to multiple services; (xxi) engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on the Services' infrastructure, including, but not limited to, sending unsolicited communications to other users or our personnel, attempting to gain unauthorized access to the Services, or transmitting or activating computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs through or on the Services; and/or (xxii) Interfere or disrupt or game the Services, including, but not limited to any servers or networks connected to the Services, or the underlying software.

Electronic Transmissions

By accepting the receipt of Electronic Transmissions, you voluntarily agree to have all records, including your current and future insurance related documents, provided to you in electronic form. Insurance related documents include, but are not limited to:

  • Your insurance policy and all documents, notices and correspondence related to your insurance policy. This could include ID Cards, applications, amendments, endorsements, illustrations, questionnaires, disclosures, and reports;
  • Bills, billing notices, payment schedules or any other correspondence related to premium payments;
  • Claim notices, disclosures, status letters, forms, and correspondence concerning a claim that arises under your policy or involves you as an insured and/or claimant;
  • Legally mandated policies, notices, and disclosures to inform you of our business practices, including notices related to our collection, storage, use, and disclosure of your personal information; and
  • Any other documents related to your insurance transactions with us.

We will use various methods to provide communications to you electronically, including via e-mail or through our website or app. For this second option, you may need to log-in to access the information.

This consent, unless withdrawn, applies to all transactions between you and Lemonade. However, you have the right to receive communications from us, including the insurance policy, in paper form if you wish by withdrawing this consent. If you withdraw the consent to provide you with records in electronic form, you will then be provided with records in paper form at no charge.

To withdraw your consent, you can email us any time at [email protected] with the following subject line "WITHDRAW ELECTRONIC CONSENT." The body of the email must include your name, policy number, the start date of the policy, named insured’s date of birth, the effective date of your withdrawal and whether you want (a) all communications to be in paper form or (b) your insurance policy to be sent to you in paper form.

To change or correct your email address, you can email us at [email protected] with the following subject line "EMAIL ADDRESS UPDATE". The body of the email must include your name, policy number, the start date of the policy, named insured’s date of birth and the updated email address. Note our website address is www.lemonade.com.

Hardware and Software Requirements: In order to receive, access, view, sign and retain electronic transmissions that we make available to you, you must have a personal computer or electronic device with internet connectivity and each of the following:

  • Browser support of Internet Explorer 10.0 or higher, Firefox 59 or higher, Safari 10 or higher, Chrome 54 or higher;
  • Ability to view the disclosures on your monitor, which can be done with your internet browser;
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit; and
  • A valid e-mail account with an Internet service provider.

iOS:

  • iOS version support 11.0 or higher. iPhone Device support 5S or higher.
  • We don’t support iPads, but you can still run the app on iPad mini 2 or later.
  • App requires a working microphone, front and rear cameras in order to file a claim.

Android:

  • Android version support 4.4 or higher, can run on any Android device that runs this version.
  • App requires internet connection, storage, location, camera, microphone and vibration permissions.

We will update you if there are any changes to the hardware or software requirements that could impact your receiving or consenting to electronically delivered transmissions.

Third Parties' Links, Websites, and Services

The Services may contain links to third-party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We are not affiliated with those websites, do not endorse them, have no control over those websites, and assume no responsibility and/or liability for the content, privacy policies, or practices of any third-party websites. In addition, we will not and cannot censor or edit the content of any third-party site.

If you access any third party's website, service, or content from our Services, you do so at your own risk. By using the Services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising from your use of any third-party website, information, materials, products, or services. Accordingly, we encourage you to be aware when you have left the App and to read the terms and conditions and privacy policy of every website that you visit.

Disclosure

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: (i) satisfy any applicable law, regulation, legal process, subpoena or governmental request; (ii) enforce these Terms, including investigation of potential violations of it; (iii) detect, prevent, or otherwise address fraud, security or technical issues; (iv) cooperate with law enforcement authorities; (v) respond to user support requests; or (vi) protect our, our users' or the public's rights, property or safety.

Limitation of Liability

To the maximum extent permitted by law, the Service Is Available "As Is." Notwithstanding the limitations set forth below, insurance coverage and our performance under your insurance policy are determined solely by the terms, conditions, exclusions and limitations of your insurance policy and applicable law. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICE AND THE PURCHASE AND USE OF ANY PRODUCTS OR SERVICES ARE ALL AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEMONADE EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON- INFRINGEMENT. (b) LEMONADE DOES NOT WARRANT THAT (i) THE SERVICE WILL MEET ALL OF YOUR REQUIREMENTS; (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE;  OR (iii) ALL ERRORS IN THE SOFTWARE OR SERVICE WILL BE CORRECTED. (c) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER DEVICE OR LOSS OF DATA RESULTING FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL. (d) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LEMONADE OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. YOU EXPRESSLY UNDERSTAND AND AGREE THAT LEMONADE, ITS SUBSIDIARIES, AFFILIATES AND LICENSORS, AND OUR AND THEIR RESPECTIVE OFFICERS, EMPLOYEES, AGENTS AND SUCCESSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, COVER OR OTHER INTANGIBLE LOSSES (EVEN IF LEMONADE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) UNAUTHORIZED ACCESS TO OR THE LOSS, CORRUPTION OR ALTERATION OF YOUR TRANSMISSIONS, USER CONTENT OR DATA; (iii) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR USING THE SERVICE, OR PROVIDING ANY SERVICES RELATED TO THE OPERATION OF THE SERVICE; (iv) LEMONADE’S ACTIONS OR OMISSIONS IN RELIANCE UPON YOUR ACCOUNT INFORMATION AND ANY CHANGES THERETO OR NOTICES RECEIVED THEREFROM; (v) YOUR FAILURE TO PROTECT THE CONFIDENTIALITY OF ANY PASSWORDS OR ACCESS RIGHTS TO YOUR ACCOUNT INFORMATION; (vi) THE ACTS OR OMISSIONS OF ANY THIRD PARTY USING OR INTEGRATING WITH THE SERVICE; (vii) THE TERMINATION OF YOUR ACCOUNT IN ACCORDANCE WITH THE TERMS OF THESE TERMS; OR (viii) ANY OTHER MATTER RELATING TO THE SERVICE. IN ANY EVENT AND WITHOUT LIMITING THE GENERALITY OF THIS SECTION TO THE EXTENT PERMITTED BY LAW YOU AGREE THAT OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES AND LOSSES SHALL NOT IN ANY CIRCUMSTANCES EXCEED THE GREATER OF (A) $100, OR (B) THE AGGREGATE OF THE AMOUNT (IF ANY) PAID BY YOU IN THE 6 MONTHS IMMEDIATELY PRECEDING BRINGING OF A CLAIM AGAINST US OR OUR AFFILIATES. NOTHING IN THESE TERMS (INCLUDING THE LIMITATION OF LIABILITY PROVISIONS) IS INTENDED TO EXCLUDE OR LIMIT ANY CONDITION, WARRANTY, RIGHT OR LIABILITY WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY WILLFUL ACTS, NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THOSE LIABILITY AND OTHER LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION (IF ANY) WILL APPLY TO YOU AND OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Assignment

Lemonade reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense or pledge in any manner whatsoever, any of its rights and obligations under these Terms to a subsidiary, affiliate, successor thereof or to any third party whatsoever, without notifying you or receiving your consent. You shall not transfer, assign, delegate, sublicense nor pledge in any manner whatsoever, any of your rights or obligations under these Terms.

Indemnity

You agree to defend, indemnify and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, and/or licensors, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney's fees) arising from: (i) your use of the Services; (ii) your violation of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, publicity or privacy right; including all actions taken under your account. This defense, hold harmless and indemnification obligation will survive any termination of these Terms and your use of the Services.

Governing Law and Jurisdiction

These Terms and your use of the Site are governed in all respects by the laws of the State of New York, without giving effect to any principles of conflicts of laws. Any dispute concerning the App or these Terms shall be subject to the exclusive venue of a court of competent jurisdiction in New York, New York.

General

We reserve the right to discontinue or modify any aspect of the Services at any time. These Terms, together with the Privacy Notice, and any other legal notices published by us on the Services, shall constitute the entire agreement between us concerning the Services. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and a party's failure to assert any right or provision under these not constitute a waiver of such right or provision.

For residents of the EU / EEA:

Lemonade, Inc., and its subsidiaries Lemonade Insurance Agency, LLC, Lemonade Insurance Company and Lemonade Insurance N.V. (collectively “Lemonade”) are participants in the EU / US Privacy Shield Framework as set forth by the US 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 (the “Principles”) with respect to such data and continues to do so regardless of the European Commission invalidating the Privacy Shield on July 16, 2020. If there is any conflict between the policies in this privacy pledge and data subject rights under the Principles, the Principals shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit https://www.privacyshield.gov/. Lemonade is subject to the investigatory and enforcement powers of the Federal Trade Commission.

Pursuant to the Privacy Shield Framework, 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 the 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 US 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 US under the Privacy Shield and subsequently transfers to a third party is described in the Principles. In particular, Lemonade remains responsible and liable under the 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 it is not responsible for the event giving rise to the damage.

As of July 16, 2020, Lemonade also relies on standard contractual clauses to transfer EU personal data to third countries outside of the EU not recognized by the European Commission as providing adequate protection. For more information, contact us at [email protected]. Furthermore, Lemonade commits to cooperating with EU data protection authorities (DPAs) and complying with the advice given by such authorities, including the European Data Protection Board, with regard to human resource data transferred from the EU in the context of the employment relationship. In compliance with the Principles, Lemonade commits to resolve complaints about our collection or use of your personal information. EU individuals with inquiries or complaints regarding our Privacy Shield policy should first contact Lemonade at [email protected] or by mail at the address below.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third-party dispute resolution provider, free of charge to you, at https://www.jamsadr.com/eu-us-privacy-shield. Under certain conditions, more fully described on the Privacy Shield website (https://www.privacyshield.gov/), you may be entitled to invoke binding arbitration when other dispute resolution procedures have been exhausted. In cases of onward transfer to third parties of data of EU individuals received pursuant to the EU-US Privacy Shield, Lemonade is potentially liable. You have the right to access your personal data and, under certain circumstances, limit the use and disclosure of your personal data, request deletion, and seek to correct any errors in your data. Please contact [email protected].

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.

Insurance Related Notices

These insurance-related notices provide additional information relevant to the Products provided by Lemonade. In the event and to the extent these notices conflict with any federal or state laws or regulations, the latter shall govern.

Giveback

As a Lemonade policyholder you will have the right to select a "Giveback cause", hereby joining a virtual group of people who made the same selection. Lemonade uses each group’s premiums to pay their claims and expenses, giving back leftover money to their common cause. While the availability and amount of leftover money is subject to Lemonade’s discretion, and applicable insurance regulations, our stated intention is to calculate the amount of leftover money by subtracting from the group's collective premium, our flat fee, the costs of claims, a "rainy day fund" and other insurance expenses like reinsurance – and giving back what's left (up to 40% of the group’s premiums). Giveback is Lemonade's policy, and expression of intent, but it is not a contractual obligation to you, nor to the cause you selected. We reserve the right to suspend or amend the Giveback policy from time to time.

Digital Assistant

Lemonade’s Digital Assistant (AI Maya) functions as an agent of Lemonade Insurance Company. Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured. Lemonade may at its sole discretion change the Digital Assistant’s content and information from time to time. At the time of a claim, coverage will be determined in accordance with the terms and conditions of your insurance policy.

Credit and Credit-Based Information

Disclosure in accordance with 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, upon renewal of policy. 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.

Recurring Credit/Debit Card Payments

You understand and agree that we will charge the credit or debit card you use to purchase an insurance policy from us today. Thereafter, we will automatically charge the card monthly for the monthly premium, the amount of which may change depending on policy changes you initiate and other factors approved by insurance regulatory authorities. Your policy is a one-year contract. Should we choose to insure you for another year, we will automatically charge the card for the new monthly premium. We will do the same for any subsequent renewals. You may cancel these recurring payments by cancelling your policy on the app. You may also cancel your policy by emailing our customer experience team at  [email protected].

Insurance Quotes and Coverages

All quotes generated by Lemonade digital platform are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on our website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Lemonade whether on Lemonade’s web site, mobile app or otherwise. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state.

Claims Submissions

If you elect to report an insurance claim, the information you submit regarding your insurance policy and the loss is subject to review and verification. Lemonade reserves the right to request additional information prior to reaching a decision on the claim. A claim representative may be communicating with you regarding your claim. It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please email our customer experience team at [email protected].

Consent and Authority to Obtain Information

In connection with any claim under your insurance policy, you consent to the release to us by third parties of any and all information and documents – whether or not confidential or non-public – that we deem pertinent to the claim, including but not limited to personally identifiable information, personal financial information, protected health information and any information you have provided to any law enforcement agency. You hereby authorize Lemonade as your representative for purposes of obtaining release to us of any such information from third parties. Any such information released to Lemonade will be held and used in accordance with our Privacy Pledge.

Confidentiality for New York Victims of Domestic Violence/Endangered Individuals

The provisions in New York Insurance Law, section 2612 sets forth confidentiality protocols for domestic violence victims and endangered individuals and prohibits insurers from discriminating against victims of domestic violence.

According to this law, if any person covered by an insurance policy delivers to the insurer that issued the policy a valid order of protection against a policyholder or other person covered by the policy, the insurer is prohibited for the duration of the order from disclosing to the policyholder or the other person covered, the address and telephone number of the insured, or of any person or entity providing the covered services to the insured. If the covered person is a child, then this right may be asserted by the child's parent or legal guardian.

The law also provides that no insurer may: refuse to issue or renew, deny or cancel any insurance policy; demand or require a greater premium or payment from any person or designate domestic violence as a prior condition, for which coverage will be denied/reduced. The fact that a person is or has been a victim of domestic violence is not permitted in underwriting criterion.

The law also requires a health insurer, as defined in that section of the law to include an accident and health insurer, to accommodate reasonable requests by a person covered by an insurance policy to receive communications of claim- related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger him or her. If the covered person is a child, then the child's parent or legal guardian may make the request. The insurer, without the express written consent of the person making the request, is prohibited from disclosing to the policyholder (1) the address, telephone number, any other personally identifying information of the person making the request or child for whose benefit a request was made (2) the nature of the health care services provided; or (3) the name or address of the provider of the covered services.

The request must include an alternative address, telephone number and/or other reasonable methods of contact. The request should be made by emailing a copy of the order of protection to the insurer at [email protected]. In order to revoke a request that has been received and implemented, the requesting person must submit to the insurer a written sworn statement revoking the prior request.

For further information, please contact the New York State Domestic and Sexual Violence Hotline. NYS Domestic and Sexual Violence Hotline: 800-942-6906 (English and Spanish) In NYC: 800-621-HOPE (4673) or dial 311. Deaf or hard of hearing: 711.

Lemonade Insurance Agency, LLC License numbers

Alabama 3000598982‍, Arizona 3000179256‍, Arkansas 3000249299‍, California 0L73896, Colorado 585264‍, Connecticut 2562163‍, District of Columbia 3000181715‍, Georgia 198953‍, Illinois 3000090494‍, Indiana 3380639‍, Iowa 1002311302‍, Maryland 3000178935‍, Massachusetts 2092156‍, Michigan 115163‍, Mississippi 15038118‍, Missouri 8456531‍, Montana 3000274902‍, Nebraska 100287836‍, Nevada 3287873‍, New Hampshire 2446182‍, New Jersey 1641080‍, New Mexico 3000276087‍, New York PC-1417813‍, North Carolina 1000573136‍, North Dakota 3000274903‍, Ohio 1172317‍, Oklahoma 3000344874‍, Oregon 3000309997‍, Pennsylvania 843565‍, Rhode Island 30000112012‍, South Carolina 3000524129‍, Tennessee 2426943‍, Texas 2210328‍, Utah 732270‍, Virginia 142759‍, Washington 1007172‍, Wisconsin 3000237508‍

These terms of service will be updated as necessary from time to time

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