Privacy Policy

1.1 Information You Provide Directly

When you register for an account, complete our multi-step claim intake process, or otherwise interact with our Services, you may provide us with information including but not limited to:

• Identifying information, such as your first and last name, email address, mailing address (including ZIP code), and phone number;
• Account credentials, including username and password;
• Claim eligibility information, including whether your vehicle is a total loss, whether you were the at-fault driver, and the state in which the accident occurred;
• Details about your accident and details about any repairs that were made to your vehicle;
• Vehicle information, including year, make, model, body type, Vehicle Identification Number (VIN), mileage at the time of the accident, and whether the vehicle is a commercial vehicle;
• At-fault driver information and their insurance information, including the name of the at-fault driver's insurance carrier, policy number, claim number, and the name, email address, and phone number of the assigned insurance adjuster;
• At-fault driver contact information, including the at-fault driver's full name, email address, and phone number;
• Supporting documents you choose to upload, which may include your auto insurance card, and the front and back of the at-fault driver's driver's license;
• Communications you send to us, including support requests, feedback, and correspondence.
• Communications, including the content of emails you send to and receive from your insurance carrier through the platform's built-in messaging tool, and your accept or reject decisions in response to counteroffers made by the insurer;
• Settlement financial data, including the gross settlement amount received from your insurance carrier, the service fee calculated and deducted by the Company, and the net amount disbursed to you;
• Disbursement information, including the payment method and account details you provide to receive your settlement proceeds.

1.2 Information Collected Automatically

When you use our Services, we and our service providers may automatically collect certain technical information, including:

• Log data, such as IP address, browser type and version, operating system, referring URLs, pages viewed, and the date and time of your visit;
• Device information, including hardware model, unique device identifiers, and mobile network information;
• Usage data, such as features accessed, reports generated, and interactions with our platform;
• Cookies and similar tracking technologies (see Section 6 below).

1.3 Information Received from Third Parties

We may obtain information about you from third-party sources to help us operate and improve the Services, understand how customers find us, and tailor our communications. For example, we may receive information about you from advertising and social media platforms, including Facebook, Instagram, LinkedIn, Google Ads, Google Analytics, Nextdoor, Twitter/X, Bing Ads, and other third-party or publicly available sources. We use this information to understand the effectiveness of our marketing efforts and to reach potential users who may benefit from our Services.

With your authorization, we may also receive information relevant to your automobile property damage claim from third parties, such as insurance carriers, repair facilities, or other parties involved in your claim, to the extent necessary to generate your report and provide the Services you have requested. In addition, where you use the platform's communication tools, your insurance carrier may communicate directly with the platform by sending correspondence, counteroffers, and settlement payment information. We treat all information received from insurers in connection with your claim as your personal information subject to this Privacy Policy.

2.1 Providing and Improving the Services

• To create and manage your account;
• To process your claim intake, generate AI-powered diminished value or total loss or total loss reports and total loss reports, and provide you with the results of that analysis;
• To process payments and fulfill transactions;
• To facilitate your use of the platform's tools, including transmitting your communications to and from your insurance carrier and recording your counteroffer decisions;
• To receive, and disburse settlement funds on your behalf, including calculating and deducting the applicable service fee and remitting the net proceeds to you;
• To respond to your inquiries and provide customer support;
• To operate, maintain, and improve the functionality of our platform;
• To develop new features, products, and services.
• To send transactional messages in accordance with applicable laws and regulations.

2.2 AI Report Generation and Automated Processing

Our platform uses artificial intelligence and automated processing, powered in part by OpenAI's application programming interface ("API"), to generate diminished value or total loss and total loss reports and to otherwise provide the Services. When you submit information for report generation, that information is transmitted to OpenAI for processing pursuant to OpenAI's API usage policies and data processing terms. We do not use your personal claim information to train or fine-tune any AI model, and we do not authorize OpenAI to use your data for model training under our API agreement. The outputs of this processing are provided to assist you in understanding the potential value of your claim and are intended as informational tools only. They do not constitute legal advice, financial advice, or a guarantee of any particular outcome in your insurance claim. The accuracy of reports depends on the information you submit. The Company is not a law firm.

2.3 Communications

• To send you transactional communications, such as order confirmations, receipts, and account notifications;
• To send you marketing and promotional communications about our Services, where permitted by applicable law (you may opt out at any time as set forth in these Terms Of Service);
• To send you service-related announcements and updates.

2.4 Legal and Compliance Purposes

• To comply with applicable laws, regulations, and legal obligations;
• To enforce our Terms of Service and other agreements;
• To detect, investigate, and prevent fraud, security breaches, and other harmful or illegal activity;
• To protect the rights, property, and safety of the Company, our users, and others.

2.5 Analytics and Research

We may use aggregated, de-identified, or anonymized data derived from our users' information for research, analytics, model improvement, business intelligence, and any other lawful commercial purpose, including licensing and selling such anonymized and aggregated data to third parties. Such aggregated and anonymized data does not identify you personally. Any third party to whom we sell or license anonymized data is contractually prohibited from attempting to re-identify the data or link it back to any individual.

3.1 Service Providers

We may share your information with trusted third-party vendors and service providers who assist us in operating our platform and providing the Services, including hosting, payment processing, analytics, email delivery, customer support, and AI/machine learning infrastructure. These parties are obligated to use your information only as directed by us and to maintain appropriate confidentiality and security measures.

3.2 Business Transfers

In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will provide notice before your personal information is transferred and becomes subject to a different privacy policy.

3.3 Legal Requirements and Protection of Rights

We may disclose your information if required to do so by law or in good-faith belief that such action is necessary to: (a) comply with a legal obligation, court order, or governmental request; (b) enforce our Terms of Service; (c) protect and defend the rights or property of the Company; or (d) protect the personal safety of users of the Services or the public.

3.4 With Your Consent

We may share your information with third parties when you have provided explicit consent for us to do so.

3.5 Aggregated or De-Identified Information

We may sell, license, share, or otherwise commercially exploit aggregated or de-identified information that cannot reasonably be used to identify you, with third parties for any lawful commercial purpose, including research, analytics, industry reporting, product development, and commercial licensing arrangements. Any recipient of such data is contractually prohibited from attempting to re-identify the data or associate it with any individual.

3.6 Insurance Carriers and Settlement Counterparties

Where you use the platform's communication tools, your communications (including emails and counteroffer responses) will be transmitted to your insurance carrier as directed by you. Your payment and disbursement information with payment processors and financial institutions will also be shared to the extent necessary to receive settlement funds from your insurer and remit net proceeds to you. We do not share your personal information with insurers for any purpose beyond facilitating the Services.

6.1 Types of Cookies We May Use

• Essential Cookies: Necessary for the core functionality of our platform, such as authentication and security.
• Performance and Analytics Cookies: Help us understand how users interact with our Services, allowing us to improve functionality.
• Functional Cookies: Remember your preferences and settings to personalize your experience.
• Marketing Cookies: Used to deliver relevant promotional content (if applicable).

6.2 Your Choices Regarding Cookies

Most web browsers allow you to control cookies through their settings. You may set your browser to refuse or delete certain cookies; however, doing so may affect the functionality of the Services. To opt out of analytics cookies, you may also use tools such as the Google Analytics Opt-Out Browser Add-On, where applicable. For information about how we respond to Do Not Track signals, see Section 7.8.

7.1 Access and Correction

You may access and update the personal information associated with your account by logging into your account settings. You may also contact us at the address below to request access to or correction of inaccurate information.

7.2 Account Deletion

You may request that we delete your account and associated personal information by contacting us at the email address listed in Section 10. Please note that we may retain certain information as required by law or for legitimate business purposes, and that deletion of your account will not affect information already incorporated into anonymized or aggregated datasets.

7.3 Marketing Opt-Out

You may opt out of receiving promotional emails from us by clicking the "unsubscribe" link in any marketing email or by contacting us directly. You will continue to receive transactional communications related to your account and the Services.

7.4 California Residents; Notice Regarding CCPA

While we market our Services to residents of California, we do not currently meet the revenue, data volume, or other thresholds that would make us a "business" subject to the California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA). Accordingly, the CCPA/CPRA does not apply to our processing of California residents' personal information at this time. We remain committed to protecting the privacy of all users and will reassess our obligations under the CCPA/CPRA as our business grows. If you have questions about your privacy rights as a California resident, please contact us at the information provided in Section 10.

7.5 Other U.S. State Privacy Laws

Various U.S. states have enacted or are enacting consumer privacy laws. If you reside in a state with an applicable privacy law and believe you have rights thereunder, please contact us. We will review requests in good faith and respond in accordance with applicable legal requirements.

7.6 Data Subject Access Requests

If you wish to access, correct, update, or delete personal information we hold about you, you may submit a request by contacting us at the email address listed in Section 15. To protect your privacy and security, we may verify your identity before processing your request. We will respond to verifiable requests within forty-five (45) days of receipt. In some circumstances, we may require an additional forty-five (45) day extension, in which case we will notify you of the extension and the reason for the delay. We may deny requests that are unfounded, excessive, or repetitive, or where we are required to retain the information by law. Please note that deletion of your account does not automatically delete all associated claim data, which may be retained for the period described in Section 4.

7.7 Data Breach Notification

In the event of a data breach involving your personal information, we will notify you as required by applicable law. Notice will be provided by email to the address associated with your account, or by written notice if email is not available. If you are a resident of another state, we will comply with the breach notification law of your state of residence to the extent applicable.

7.8 Do Not Track Signals

Our Services do not currently respond to “Do Not Track” signals transmitted by web browsers; however, you may limit certain tracking through the cookie controls described in Section 6.2 and through your browser or device settings.

8.1 Opt-In and Consent

We will only send you SMS messages if you have affirmatively opted in to receive them, such as by providing your mobile phone number and expressly consenting to SMS communications at the time of account registration or through a separate opt-in mechanism. Standard message and data rates from your mobile carrier may apply.

8.2 No Sharing of Mobile Information

We do not share, sell, rent, lease, or otherwise disclose your mobile phone number or SMS opt-in consent information to any third parties or affiliates for their independent marketing or promotional purposes. Mobile opt-in data and consent information is used solely to provide you with the communications you have requested and to administer the Services.

8.3 Opt-Out

You may opt out of SMS communications at any time by replying STOP to any text message we send you, or by contacting us at the email address listed in Section 15. After opting out, you will receive a single confirmation message and will not receive further SMS marketing messages. You may continue to receive transactional messages necessary to administer your account unless you also close your account.

8.4 Supported Carriers

SMS services may not be available through all mobile carriers. We are not liable for delayed or undelivered messages.

10.1 Information Shared with Referred Law Firm

If you elect attorney review during the claim intake process, we will share your claim information, including your AI-generated report, accident details, vehicle information, insurance information, and relevant supporting documents, with the law firm identified at the time of your opt-in, solely for the purpose of that attorney's evaluation of your claim and potential representation. We will not share your information with any law firm unless you have affirmatively selected that option.

10.2 Independent Third Parties

The referred law firms are independent third parties and are not employees, agents, or representatives of the Company. Any engagement you enter into with a referred attorney is solely between you and that attorney and is governed by a separate engagement agreement. We are not a law firm and do not provide legal advice.

10.3 No Attorney-Client Relationship

Submitting your information through our platform or electing attorney review does not create an attorney-client relationship between you and the Company, or between you and any referred attorney, unless and until a formal engagement agreement is separately executed between you and that attorney.

10.4 Attorney Advertising Disclosure

Communications associated with the attorney referral program may constitute attorney advertising under applicable state bar rules. Any law firm to which you are referred operates independently and is solely responsible for compliance with applicable professional conduct rules. The Company does not receive compensation from referred law firms in exchange for referrals that would affect your rights or the independence of the attorney's evaluation.