This Privacy Policy explains how we collect, use, disclose, and protect information when you visit insurelab.net or interact with our products and services (collectively, the “Services”).
1) Information We Collect
We collect information in the following ways:
A. Information You Provide to Us
Contact information such as your name, email address, phone number, and job title.
Business information such as company name, industry, size, address, and website.
Insurance-related information you submit through forms or during onboarding (for example, details about operations, exposures, coverage needs, loss history, and related documents).
Communications such as messages you send us (support requests, emails, and feedback).
B. Information Collected Automatically
Device and usage information such as IP address, browser type, pages viewed, time spent, referring URL, and interaction events.
Cookies and similar technologies for functionality, analytics, and security (see Section 5).
C. Information from Third Parties
Service providers and integrations you connect to the Services (if applicable).
Business partners (for example, brokers, MGAs, carriers, or vendors) when they share information with us as part of providing Services.
2) How We Use Information
We use information to:
Provide, operate, and improve the Services.
Respond to inquiries and provide customer support.
Process requests and facilitate insurance-related workflows (for example, helping route submissions and requests to the right parties).
Communicate with you about the Services, including updates, security notices, and administrative messages.
Personalize content and improve user experience.
Monitor, prevent, and detect fraud, abuse, or security incidents.
Comply with legal obligations and enforce our terms.
3) How We Disclose Information
We may disclose information in the following situations:
A. Service Providers
We share information with trusted vendors who help us run the Services (for example, hosting, databases, analytics, logging, customer support, and email delivery). These vendors are permitted to use information only to provide services to us.
B. Business Partners (Insurance Ecosystem)
If you request or use insurance-related services, we may share relevant information with brokers, MGAs, carriers, underwriters, and other parties involved in evaluating, quoting, binding, servicing, or administering insurance-related requests. The information shared depends on your request and what is reasonably necessary to support it.
C. Legal and Safety
We may disclose information if we believe it is necessary to:
Comply with applicable law, regulation, legal process, or governmental request.
Protect the rights, property, and safety of InsureLab, our users, or others.
Prevent fraud, security issues, or technical problems.
D. Business Transfers
If we are involved in a merger, acquisition, financing, reorganization, or sale of assets, information may be transferred as part of that transaction.
4) Legal Bases (Where Applicable)
Depending on where you live, we process personal information based on:
Contractual necessity (to provide the Services you request).
Legitimate interests (for example, improving Services, security, and fraud prevention).
Consent (for certain cookies or marketing, where required).
Legal obligations (when we must comply with law).
5) Cookies and Analytics
We use cookies and similar technologies to:
Keep the site working (security and basic functionality).
Understand how visitors use the site (analytics).
Improve performance and user experience.
You can control cookies through your browser settings. If you disable cookies, some features may not work properly.
6) Marketing Communications
If you subscribe or otherwise opt in, we may send product updates or marketing messages. You can opt out at any time by using the unsubscribe link in an email or by contacting us (see Section 12).
We may still send non-marketing messages such as security or account-related notices.
7) Data Retention
We retain information for as long as necessary to:
Provide the Services.
Maintain business records.
Comply with legal and regulatory requirements.
Resolve disputes and enforce agreements.
Retention periods vary depending on the type of information and why we collected it.
8) Security
We use reasonable administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
9) Your Rights and Choices
Depending on your location, you may have rights to:
Request access to personal information we hold about you.
Request correction of inaccurate information.
Request deletion of your information (subject to legal and operational limits).
Object to or restrict certain processing.
Request portability of your information (where applicable).
Withdraw consent where processing is based on consent.
To exercise these rights, contact us using the details in Section 12. We may need to verify your identity before responding.
10) International Transfers
We may store and process information in countries other than where you live, including the United States and Canada, where data protection laws may differ. We take steps designed to ensure appropriate safeguards for cross-border transfers as required by applicable law.
11) Children’s Privacy
The Services are not directed to children under 13 (or under 16 in certain jurisdictions). We do not knowingly collect personal information from children. If you believe a child has provided personal information, contact us and we will take steps to delete it.
12) Contact Us
For privacy questions or requests, contact:
InsureLab
Email: romil@insurelab.net
Address: 1111B S Governors Ave, #37447, Dover, DE 19904
Attn: Privacy
13) Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will post the updated version on this page and update the “Last Updated” date. If changes are material, we may provide additional notice as required by law.