Privacy Policy

Introduction

Namaste Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our insurance marketplace platform.

Information We Collect

Personal Information

We may collect the following personal information:

• Contact Information: Name, email address, phone number, mailing address
• Insurance Details: Current policies, coverage amounts, claim history
• Vehicle Information: Make, model, year, VIN, usage patterns
• Property Information: Address, dwelling type, square footage, construction year
• Financial Information: Premium payment history (not payment card details)

Policy Documents

When you use our AI Policy Scanner, we collect and process insurance policy documents you upload. These documents are:

• Encrypted in transit and at rest
• Processed by OpenAI's GPT-4 Vision API (subject to their privacy policy)
• Stored securely for 90 days then permanently deleted
• Never sold or shared with third parties without your consent

Automatically Collected Information

• Usage Data: Pages viewed, features used, time spent
• Device Information: Browser type, IP address, operating system
• Cookies: Session cookies, analytics cookies, preference cookies

How We Use Your Information

We use your information to:

• Provide Quote Comparisons: Match you with appropriate insurance carriers
• AI Policy Analysis: Identify coverage gaps and savings opportunities
• Referral Services: Connect you with licensed carriers for policy purchase
• Communication: Send quote results, policy recommendations, service updates
• Improvement: Analyze usage patterns to enhance our platform
• Compliance: Meet legal and regulatory requirements

Information Sharing

With Your Consent

We share your information with insurance carriers only when you explicitly request quotes or express interest in purchasing a policy. You will always be notified before we share your information.

Service Providers

We work with trusted third-party service providers:

• OpenAI: AI-powered policy analysis (GPT-4 Vision API)
• Vercel: Website hosting and deployment
• Supabase: Database and authentication services
• Analytics Providers: Usage analytics and performance monitoring

All service providers are contractually obligated to protect your data and use it only for the purposes we specify.

Insurance Carriers

When you request a quote or purchase a policy, we share relevant information with the selected carrier(s). Each carrier has their own privacy policy governing how they use your information.

Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety.

What We Don't Do

• ❌ We do NOT sell your personal information
• ❌ We do NOT share your data with data brokers
• ❌ We do NOT send unsolicited marketing emails
• ❌ We do NOT share your uploaded policy documents publicly

Your Rights

Access and Correction

You have the right to access and correct your personal information. Contact us at privacy@namasteinsurance.com to request your data.

Deletion

You may request deletion of your personal information at any time. Note that we may need to retain certain information for legal or legitimate business purposes.

Opt-Out

You can opt out of marketing emails by clicking the "unsubscribe" link in any email or contacting us directly.

California Residents (CCPA)

California residents have additional rights under the CCPA:

• Right to know what personal information we collect and how it's used
• Right to delete personal information
• Right to opt-out of the sale of personal information (we don't sell data)
• Right to non-discrimination for exercising these rights

Data Security

We implement industry-standard security measures:

• Encryption: All data encrypted in transit (TLS 1.3) and at rest (AES-256)
• Access Controls: Limited employee access on need-to-know basis
• Monitoring: Continuous security monitoring and threat detection
• Regular Audits: Periodic security assessments and penetration testing

However, no system is 100% secure. You should protect your account credentials and notify us immediately of any unauthorized access.

Children's Privacy

Our service is not intended for individuals under 18 years old. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Cookies and Tracking

We use cookies for:

• Essential Cookies: Required for site functionality (cannot be disabled)
• Analytics Cookies: Help us understand how you use our site
• Preference Cookies: Remember your settings and choices

You can manage cookie preferences in your browser settings. Note that disabling cookies may limit site functionality.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last Updated" date. Your continued use of our service after changes constitutes acceptance of the updated policy.

Contact Us

Questions about this Privacy Policy? Contact us:

• Email: privacy@namasteinsurance.com
• Mail: Namaste Insurance, 123 Main Street, Boston, MA 02101
• Phone: (617) 555-0100