FAIR TECH INC

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At Fair Tech, Inc., we understand the importance of online privacy, so we strive to provide our customers with an honest, transparent, and safe online quote experience. The following discloses our information gathering and dissemination practices for Fair Tech, Inc. (also referred to as “Fairwarranty.com” or the “Site”).

Agreement to this Policy: PLEASE READ THE FOLLOWING PRIVACY POLICY (OTHERWISE NOTED AS THIS “AGREEMENT”) CAREFULLY BEFORE USING THE SITE. BY USING THIS SITE, YOU SIGNIFY YOUR EXPRESS AGREEMENT WITH THE POLICY. IF YOU DO NOT CONSENT TO THIS POLICY, PLEASE DO NOT USE THIS SITE. Exceptions to aspects of this policy may apply depending on where you may reside.

Conflict Between this Policy and Local Laws and Regulations: When local laws and regulations require a higher level of protection for your PII, they take precedence over this Privacy Policy. In addition, the specific requirements of this Privacy Policy apply only when local laws and regulations permit.

INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT

Personal Information

We collect and have collected in the past twelve months, information that personally identifies, relates to, describes, or is capable of being associated with a person (“Personal Information”), including:

• identifiers (e.g., name, social security number, taxpayer identification number, driver’s license number, date of birth, IP address, security questions & answers, mailing address, email address, phone number);

• commercial information (i.e. account numbers, purchase history, payment activity)

• internet connection, the equipment you use to access our Site and usage details;

• characteristics of protected classifications under California and federal law (i.e. age)

• professional or employment-related information (i.e. employer and/or job title)

• geolocation

• inferences drawn from the above categories

• personal information as described in Cal. Civ. Code § 1798.80(e) (i.e. information that identifies, relates to, or is capable of being associated with a particular individual,” such as a person’s name, signature, address, telephone number, medical records, employment history or credit card numbers) to the extent collected under another category of Personal Information above.

Some of the Personal Information listed above may be considered sensitive under relevant privacy laws. This includes social security number, driver’s license and other government identification card information, and your customer account login credentials. We refer to this type of Personal Information as “Sensitive Personal Information” in this Policy. Each type of Sensitive Personal Information may overlap with a category of Personal Information listed above.

The types of Personal Information we collect about you may vary based on how you use the Site and/or Services and your relationship with us.

• Except with regard to any contact information you may provide us, all comments, feedback, and other information submitted to Fair Tech, Inc. through or in association with this website will be considered non-confidential and the property of Fair Tech, Inc.. By submitting such Feedback to Fair Tech, Inc., you agree that you assign to Fair Tech, Inc., without charge, all worldwide rights, title, and interest including copyrights and other intellectual property rights, in and to the Feedback. Fair Tech, Inc. shall be free to use such Feedback on an unrestricted basis.

BUSINESS INFORMATION

We also collect information about businesses and their representatives that engage with us such as EIN, TIN, address, phone number, email address, bank account information (collectively, “Business Information”). This information is generally not considered Personal Information because it relates to a business. If such Business Information relates to a business contact person, we will treat it as Personal Information.

‍How we collect this information:

• Directly from you when you provide it to us.

• Third party data sources
• Automatically as you navigate through the Site. Information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and/or other tracking technologies.
  • We employ software technology that enables us to track certain aspects of a user’s visit to the Site. This technology helps us better manage content on the Site by informing us what content is effective, how consumers engage with the Site, and how consumers arrive at and/or depart from the Site. The software typically uses two methods to track user activity: (1) “tracking pixels” and (2) “clear gifs.” Tracking pixels are pieces of executable code that are embedded in a web page that track usage activity including which pages are viewed, when they are viewed, and how long the pages are viewed. Clear gifs are tiny graphics with unique identifiers which are embedded in web pages and email messages that track whether or not a user has viewed a particular web page or email message. User activity information may be associated with additional information about a user’s session and Personal Information, if provided by the user.
  • If you arrive at the Site by “clicking through” from another website, then certain information about you that you provided to that other website, such as the terms you were searching on that led you to the Site, may be transmitted to us and we may use it. You should review the privacy policy of any website from which you reached the Site to determine what information was collected by that website and for what purpose(s) you agreed that website could use that information. We may retain information about you provided to us by other websites and will only use it in accordance with this Privacy Policy.
• Targeted and Cross-Context Behavioral Advertising
  • We may work with third-party advertisers, search providers, ad networks (“Advertisers”) to learn more about you and show you ads or other content that we believe would be relevant to you. Advertisers may collect and use information about your use of the Site or services we offer as well as other websites and services. These companies may use cookies, tracking pixels, and other online tracking technologies to collect and use your information. We and/or Advertisers may also append other data to the data collected by Advertisers to create an interest profile of individual users and Advertisers may collect identifiers, commercial information, characteristics of protected classification, and internet information in connection with targeted and cross-context behavioral advertising activity. Our Privacy Policy does not cover any use of information that an Advertiser may collect from you. Advertisements may be shown via the Site or on third-party websites. You can visit the Network Advertising Initiative website at www.networkadvertising.org for information about Internet advertising companies and how to reduce information collection by such companies. Please also see the Additional State Consumer Rights section below regarding rights you may have under state laws to opt out of our sharing of Personal Information for targeted or cross-context behavioral advertising purposes.

Social Media Widgets

• The Site may include social media features, such as the Facebook, YouTube, LinkedIn, and Twitter widgets. These features may collect information about your IP address and the pages you visit on our website as well as other Personal Information. A cookie may be set to ensure that a feature properly functions. Your interactions with features are governed by the privacy policies of the companies that provide them. Before you choose to interact with these features, you should review the relevant social media company’s privacy policy.

INFORMATION YOU PROVIDE TO US

The information we collect may include:

• Information that you provide by filling in forms on our Site. This includes information provided at the time of registering to use our Site, making a purchase on our Site, subscribing to our emails or text messages, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Site.

• Records and copies of your correspondence (including e-mail addresses, phone numbers, physical address, and other forms of identifiable information) if you contact us.

• Your responses to surveys that we might ask you to complete for research purposes.

• Details of transactions you carry out through our Site and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Site.

• Your search queries on the Site.

• Information provided to us through social networks or third-party platforms when you, for example, engage with our social media content, or communicate with us via social media (such as your name, e-mail, profile picture, likes, location, friend list, photos or other information described by the applicable social network or platform).

If you want a complimentary quote, you will be asked to provide personally identifiable information for us to provide the quote.  We receive and store any personally identifiable information that you choose to enter through the Site, including any submissions that you make or content you provide on or through the Site.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.

What Personal Information Do We Share with Others?

We may share information about you with others as follows:

• With Service Providers:
  • We may share information about you with companies that work for or provide services to us such as our:
    • Billing processors;
    • Subcontractors;
    • Software providers;
    • Marketing companies;
    • Outside auditors and professional advisors;
    • Potential business merger, acquisition, or sale partners;
    • Regulators, government agencies; and
    • Credit bureaus and collection agencies.
• With Mailing List Partners
  • We may share your name and address with others, such as charities, marketing organizations, corporate affiliates, or other businesses for “mailing list” purposes.
• With Corporate Entities for Business Transfers
  • We may transfer your personal information if we are involved, whether in whole or in part, in a merger, sale, acquisition, divestiture, restructuring, reorganization, dissolution, bankruptcy, or other change of ownership or control. If another entity acquires us or any of our assets, information we have collected about you may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through the Services in a manner that is consistent with this Notice.
• With Law Enforcement or Other Third Parties for Legal, Compliance, and Safety Purposes
  • We may be required by law to comply with a valid legal process, such as a subpoena, court order, or search warrant, or where there is a lawful request, to disclose information about you. We may also share information about you to protect our customers, employees, or property; in emergency situations; and to enforce our rights under our terms of service and policies, in court or elsewhere.

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USAGE DETAILS, IP ADDRESSES AND COOKIES

As you navigate through and interact with our Site, or our advertising or applications on third-party websites and services, we may automatically collect certain information about your equipment, browsing actions and patterns, including:

• Details of your visits to our Site, including traffic data, location data, logs and other communication data and the resources that you access and use on the Site.

• Information about your computer and internet connection, including your IP address, operating system and browser type.

• The information we collect automatically is statistical data, and does not alone identify any individual. It helps us to improve our Site and to deliver a better and more personalized service by enabling us to:

• Estimate our audience size and usage patterns.

• Store information about your preferences, allowing us to customize our Site according to your individual interests.

• Speed up your searches.

• Recognize you when you return to our Site.
• The technologies we use for this automatic data collection may include:
  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Site.
  • Flash Cookies. Certain features of our Site may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Site.  Flash cookies are not managed by the same browser settings as are used for browser cookies.
  • Web Beacons. We may place tags on our webpages called “web beacons.” These are computer instructions that link web pages to particular web servers and their cookies.

THIRD PARTY WEB ANALYTICS SERVICES

We may use third party web analytics services on this Site and our social media pages, such as those of Google Analytics.  The service providers that administer these services use technologies such as cookies, web server logs and web beacons to collect information (such as IP address) and use that information to help us analyze how visitors use the Site.  These vendors may use cookies placed on this Site (such as the Google Analytics cookie) and cookies placed on third-party web sites (such as Google advertising cookies), or other third-party identifiers, together, to analyze our Site visitors.

You may deactivate the ability of Google Analytics to analyze your browsing activities on this Site.  To disable Google Analytics, please download the browser add-on provided by Google at https://tools.google.com/dlpage/gaoptout?hl=en.  To learn more about privacy and Google Analytics please consult the Google Analytics overview provided by Google at: https://www.google.com/intl/en/analytics/privacyoverview.html

TARGETED ADVERTISING & THIRD-PARTY ADVERTISER USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES

Third-party advertisers, ad networks and ad servers may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about users of the Site. This may include information about users’ behavior on this and other websites to serve them interested-based behavioral advertising. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement, you should contact the responsible advertiser directly. For information on how to opt-out of certain third-party advertisers, ad networks and ad servers, see the Choices section below.

We may also use third-party platforms and technology, including platforms operated by social networks, such as Google and Facebook to show you interest-based ads. These companies have specific Interest-Based Ads programs that match people that have shown interest in fairwarranty.com through our websites, stores or other services with users on their platforms and properties. If we participate in these programs, we convert your personal information (which may include name, email address or telephone number) or other information into a unique value which can be matched by those third parties with a user on their platform or with other data they may have collected from you. This matching allows us to deliver interest-based ads to users of these platforms. To opt-out of these ads, you must change your advertising preferences for those third-party platforms. You can manage your preferences for these advertising programs by clicking on the following relevant links: for Facebook click here, for Google click here. These platforms may have their own privacy notices or policies, which we strongly suggest you review.

DISCLOSURE OF YOUR INFORMATION

We may disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.

• To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Fair Tech, Inc.’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by Fair Tech, Inc. is among the assets transferred.

• For any other purpose disclosed by us when you provide the information.

• With your consent.
• We may also disclose your personal information:
  • To comply with any court order, law or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our terms and conditions and other agreements, including for billing and collection purposes.

• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Fair Tech, Inc., our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

USE OF INFORMATION

We collect and use Personal Information for internal purposes, such as to:

• Provide you with our Site and services;

• Process or complete transactions you requested;

• Improve the Site and services, including customization and personalization;

• Notify you of products and services via mail, email, telephone, and/or text messaging;

• Communicate with you about the Site, the services, and other matters via mail, email, telephone, and/or text messaging; and Compile information and analyses to enhance the customer experience and improve our business; and Perform day-to-day business operations such as accounting, seeking legal advice, pursuing or defending legal claims, maintaining information security and anti-fraud programs, and facilitating business transactions with our business partners and clients.
• We may use Sensitive Personal Information for the following purposes:
  • Social Security Number – To verify your identity and/or in connection with credit determinations related to transactions initiated by you.
  • Driver’s license and other government identification number – To verify your identity and/or in connection with credit determinations performed by our clients related to transactions initiated by you.
  • Customer account login credentials – To facilitate the transactions you requested and maintain our customer relationship with you.

From time to time, we may de-identify Personal Information so that it can no longer be reasonably linked, directly or indirectly, with an identifiable person. We may use and disclose de-identified information for any purpose since it is no longer Personal Information. We will not re-identify de-identified information.

*Service Providers
​We may establish a relationship with other businesses to provide services to us (“Service Providers”), including:
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• Online hosting and maintenance;

• Marketing and promotion design and management;

• Communication facilitation such as printing and mailing or telecommunication services;

• Payment processing;

• Management of access to services;

• Data storage and management;

• Data analytics; and

• Identity and contact information validation.

We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider is expected to use reasonable security measures appropriate to the nature of the information involved to protect your Personal Information from unauthorized access, use, or disclosure. Service Providers are prohibited from using Personal Information other than as specified by us.

We disclose each of the categories of Personal Information to one or more Service Providers.

DATA TRANSFERS

Your personal information may be transferred to countries other than the country in which it was originally collected, and your personal information may be processed and stored outside of your country of residence. Those countries may not have the same data protection laws as your country of residence and your personal information will be subject to applicable foreign laws. When we transfer your information to other countries, we will protect that information in the manner described in this Privacy Policy. This website is not directed to consumers or persons residing in the European Union or locations governed by the GDPR, and data is not intended to be transferred to such locations.

CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

We strive to provide you with choices regarding the personal information you provide to us.

• Promotional Offers from the Company. If you do not wish to have your e-mail address, cell phone number or other contact information used by the Company to promote our own or our third-party partner’s products or services, you can opt-out by unchecking the relevant box located on the form on which we collect your data (the order form/registration form) or at any other time by sending us an e-mail stating your request to hello@fairwarranty.com. If we have sent you a promotional e-mail, you can tell us not to send you promotional e-mail by clicking on the unsubscribe link within the emails you receive from us.  If you no longer wish to receive text messages, you can text STOP to the five-digit short code for the text messaging program from which you no longer wish to receive messages (i.e., the five-digit number from which the text messages are being sent).

We do not control third parties’ collection or use of your information to serve interest-based advertising.  However, these third parties may provide you with ways to choose not to have your information collected or used in this way. To learn more about advertising networks and to opt out of interest-based advertising, visit the Digital Advertising Alliance at www.aboutads.info/choices or the Network Advertising Initiative at www.networkadvertising.org/choices.

REVIEWING, UPDATING AND MODIFYING PERSONAL INFORMATION

Subject to applicable law, you may have the right to request access to and receive details about the personal information we maintain about you, update and correct inaccuracies in your personal information, and have the information blocked or deleted, as appropriate. The right to access personal information may be limited in some circumstances by local law requirements. We may take reasonable steps to verify your identity before granting access or making corrections. You may request to review, change or delete your personal information by sending an email to hello@fairwarranty.com

THIRD-PARTY LINKS

Occasionally, we may link to third-party content, applications, or websites on our website. This third-party content has their own privacy practices. This Privacy Policy does not describe how these third parties collect and use data.

CALIFORNIA DO NOT TRACK DISCLOSURES

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

• We currently do not respond to DNT signals in browsers because we do not track individual users across the web.

May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.fairwarranty.com

• No.

Notice to Vermont Residents

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to California, Connecticut, Colorado, Utah and Virginia Residents

You have additional rights to access and control your Personal Information as described more fully below. We will retain a record of your request for at least two years and in compliance with applicable laws.

Right to Know

You have the right to request twice per 12-month period that we provide you (i) the categories and, if requested, specific pieces of Personal Information we collected about you; (ii) the categories of sources from which your Personal Information was collected; (iii) the business or commercial purpose for which we collected your Personal Information; (iv) the categories of Third Parties with whom we sold or shared your Personal Information; and (v) the business or commercial purpose for which we sold or shared your Personal Information.

You have the right to receive your personal data from us in a structured, commonly used and machine-readable form, so that you can transfer it to another party, if you have given us permission to process your data and when the processing was done automatically.

We will process verified requests within 45 days, subject to any applicable exceptions and extensions permitted by law. Please note that if you have a password-protected online account with us, we will fulfill your request via such account; otherwise, we will give you the option to receive your information by mail or electronic delivery.

To request access to your Personal Information, or a portable version of such information or to designate an authorized agent to submit a request on your behalf, you may call us at (888) 884-0644.

Right to Deletion

You may have the right to request that we delete certain types of Personal Information we have collected about you. Please understand that we are not required to honor a deletion request if a legal exemption applies such as if we need the information to complete a requested or reasonably anticipated transaction, prevent security incidents or fraud, enable internal uses that are reasonably aligned with your expectations, or comply with legal obligations. We will process verified requests within 45 days, subject to any applicable exceptions and extensions permitted by law. Please note that if you have a password-protected online account with us, we will fulfill your request via such account; otherwise, we will give you the option to receive your fulfillment by mail or electronic delivery.

To request deletion of your Personal Information, you may submit a request or call us at (888) 884-0644.  You may also designate an authorized agent to submit a request on your behalf

Right to Correction

You have the right to request that we correct any Personal Information that we have on file about you that you believe to be erroneous. When you make your request, please be sure to provide us the specific information that you believe is inaccurate and the correct information. You should also provide us with any documentation you believe supports your proposed correction, and we will take that documentation into consideration. We will only correct the information if we determine, based on the totality of the circumstances, that your correction is more likely than not accurate. We may also choose to delete the allegedly inaccurate information instead of correcting it. We will process verified requests within 45 days, subject to any applicable exceptions and extensions permitted by law.

To request correction of your Personal Information or to designate an authorized agent To submit a request on your behalf, you may call us at (888) 884-0644.

Right to Opt-Out from the Sale or Sharing of Personal Information

You have the right to direct us not to sell your Personal Information to Third Parties or to share it with Third Parties for targeted or cross-context behavioral advertising purposes. You may exercise your Right to Opt-Out by calling us at (888) 884-0644 or submitting a request via our email at hello@fairwarranty.com.

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Right to Limit Use of Sensitive Personal Information

If you are a California resident, you have the right to request that we limit the use of your Sensitive Personal Information as defined under California law to only exempt purposes such as to provide the goods and services reasonably expected by the average consumer who requests such goods and services, to prevent fraud, and to verify or maintain the quality or safety of goods or services we provide.

If you are a Connecticut, Colorado, Utah, or Virginia resident, and you make a request to limit the user of your Sensitive Personal Information as defined under your applicable state’s law, we will treat that request as a revocation of your consent for us to collect and process your Sensitive Personal Information and will delete your Sensitive Personal Information subject to any exemptions available under applicable law.

We will process requests to Limit Use of Sensitive Personal Information within 15 business days subject to any applicable exceptions and extension permitted by law.

You may exercise your Right to Limit Use of Sensitive Personal information or designate an authorized agent to act on your behalf by calling us at (888) 884-0644.

Right to Appeal

If we deny your privacy request, in full or in part, you may appeal our decision. If we deny your appeal, you may also contact your state Attorney General to lodge a complaint and we will provide you with an online mechanism to do so. We will process requests to appeal within the timeframes established under applicable law, but typically within 45 days. Please note that if you have a password-protected online account with us, we will fulfill your request via such account; otherwise, we will give you the option to receive your fulfillment by mail or electronic delivery.

You may exercise your Right to Appeal or designate an authorized agent to act on your behalf by calling us at (888) 884-0644.

Non-Discrimination Notice

We will not discriminate against any consumer for exercising their privacy rights under law or this Privacy Policy.

SECURITY

We care about protecting the security of your personal information, and we have implemented security procedures to protect the personal information that you provide to us. All payments made through our website are protected using industry-standard SSL (Secure Sockets Layer) encryption. We use a minimum of 128-bit SSL encryption to ensure that your personal and payment information is transmitted securely and remains confidential. However, no method of transmitting or storing electronic data is ever completely secure, and we cannot guarantee that such information will never be accessed, used, or released in a manner that is inconsistent with this policy.

CHILDREN UNDER 18

This Site is not intended for users under the age of 18. We do not knowingly collect information from children under the age of 18. Should we learn that a child under 18 has provided us with personal information, we will delete that information from our database.

EXTERNAL LINKS

This Site may contain links to other sites or allow others to send you such links. A link to a third-party site does not mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party sites. You access any third-party sites or content at your own risk. Read the privacy policy of any third-party site before providing any personal information.

NOTICE TO CALIFORNIA RESIDENTS

The state of residence is used to determine your vehicle’s eligibility for auto protection coverage. We currently do not offer vehicle service contracts to residents of California.

CONTACT US

At any time, you may withdraw your consent to receive calls, emails, and/or texts from Fair. To change or remove your contact information in our database, or to opt-out of future mailings, communications, and other inquiries, please contact us using one of the options below:

• Unsubscribe from email. You may opt-out of our email list to remove yourself from receiving future marketing communications. Click the “Unsubscribe” link at the bottom of your email message and confirm the update of your settings. Note that this process can take up to 10-business days and you may still receive one-to-one email messages from Fair staff members where an existing business relationship exists.

• Opt-out of SMS texts. On your mobile device, reply “STOP” on the text thread to be removed from our SMS text messages. Note that wireless service or Wi-Fi connection may be required to send messages and that rates may apply.

• Submit a contact form. Visit our Contact Us page to send a message to our online customer support mailbox. Business hours are 8 AM – 5 PM EST Monday through Friday, and we will get back to you within three (3) business days.

• Call us. Our customer service team is available at (888) 884-0644 between the hours of 8 AM – 5 PM EST Monday through Friday.

• Write us. Update your communication preferences by mailing us a letter:

Fair Tech, Inc.
Attn: Customer Service, RE: Opt-out
1111B S Governors Ave STE 3640,

Dover, DE 19904

CHANGES TO THIS PRIVACY POLICY

This privacy policy describes the types of information we currently collect, and the ways we use and protect that information. From time to time, we may collect different types of information and use that information in different ways – for example, when we add features or services to fairwarranty.com. If we do make significant updates in our practices, the changes will show within this privacy policy online. Those changes will go into effect on the revision date shown on the revised privacy policy. Please print and save a copy of this privacy policy for your records.

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FAIR INSURANCE LLC

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Last Updated: September 10, 2026

At Fair Insurance LLC, a wholly owned subsidiary of Fair Tech Inc., and their respective affiliates (collectively, “we,” “our,” and “us”), the protection of the information we collect about you is important to us. This privacy policy (“Privacy Policy”) applies to any mobile application and any site including any associated interactive features, licensed agents, widgets, plug-ins, applications, content, downloads, events, and webinars that we host, including those we deliver via third-party platforms, and other services we may offer to you or from your interaction with any other Fair Insurance product or offering, such as by requesting an insurance quote or purchasing an insurance policy, that link to or otherwise reference this Privacy Policy (collectively, the “Services”), regardless of how you access or use them, whether via personal computer, browser, laptop, tablet, mobile phone or other device (each a “Device”). This Privacy Policy covers how we collect, use, share, and process personal and other information and data of users of our Services.

By using or accessing our Services or by submitting information to us, you consent to the terms of this Privacy Policy.

In addition to reading this Privacy Policy, please review our Terms of Use, which governs your use of our Services. If you do not agree to our Terms of Use and the collection, use and sharing of your information as detailed in this Privacy Policy, please do not access or otherwise use our Services or any information or content accessible on our Services.

We reserve the right to change this Privacy Policy at any time, and we will post a notice or inform you of any such ‎changes on our Services. Your use of our Services following the posting of an updated Privacy Policy constitutes your acceptance of such updated Privacy Policy. We reserve the right to apply the amended terms to the information that we have already collected, subject to any legal constraints. We will not, however, use your previously collected Personal Information in a manner materially different than represented at the time of collection or to otherwise interact with our Services. To the extent any provision of this Privacy Policy is found by a competent tribunal to be invalid or unenforceable, such provision shall be severed to the extent necessary for the remainder to be valid and enforceable.

Please note that this Privacy Policy applies only to our information-gathering, use, and ‎dissemination practices in connection with our Services. This Privacy Policy does not apply to ‎any of our information practices conducted separately by us outside of our Services.‎

This Privacy Policy is written in the English language. We do not guarantee the accuracy of any ‎translated versions of this Privacy Policy. To the extent any translated versions of this Privacy ‎Policy conflict with the English language version, the English language version of this Privacy ‎Policy shall control.‎

1. Information Collection.

We collect information from you in several ways, including when you choose to share information with us by entering it through our Services and by using automated processes. We also collect information about your transactions with us, such as any information you submit to us through our Services.

(a) Information You Provide.

We may ask you and you may choose to provide certain “Personal Information” to us, including when you request an insurance quote or submit an insurance application, register for or attend our online events or webinars, including those we host via third party platforms, or otherwise interact with our Services, which is information that identifies you personally, such as your first and last name, e-mail address, mailing, property and billing addresses, payment information including financial account numbers, mailing and billing addresses, ‎‎‎government identification numbers, policy number, date of birth, social security number, job ‎‎‎title, marital status, employment information, telephone number, and health, medical, and other information related to your insurance application. Please note that we use a third-party payment ‎‎‎processor and so we do not store information about your payment card when you submit an ‎‎‎online payment. If a claim is reported to us, we will direct you to the claims department of your applicable insurance carrier. Health and medical information collected in connection with an insurance application is subject to applicable federal and state privacy laws governing the use and disclosure of such information.

(b) Information About Third Parties.

By submitting Personal Information about any third party, you represent and warrant to us that you have the consent of the third party to do so, and that the information you submit is factually accurate.

(c) Automated Information Collection.

In addition to any information that you choose to submit to us via our Services, we and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with our Services (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your Device whenever you visit or interact with our Services. To the extent we associate Usage Information with your Personal Information we collect directly from you through our Services, we will treat it as Personal Information. This Usage Information is used to streamline the customer experience, research potential risks, and enhance individual customer profiles.

This Usage Information may include:

• your IP address, UDID or other unique identifier (“Device Identifier”). A Device Identifier is a number that is automatically assigned to your Device used to access our Services, and our computers identify your Device by its Device Identifier;
• your Internet Service Provider (ISP);
• your Device functionality (including browser, operating system, hardware, mobile network information);
• the URL that referred you to our Services;
• the areas within our Services that you visit and your activities there, including remembering you and your preferences, and recording your interactions with our Services (such as pages viewed, buttons clicked, mouse movements, search terms and parameters, and form selections and entries);
• your Device location;
• your Device characteristics; and
• certain other Device data, including the time of day, among other information.

Tracking Technologies. We may use various methods and technologies to store or collect Usage Information (“Tracking Technologies”). Tracking Technologies may set, change, alter or modify settings or configurations on your Device. A few of the Tracking Technologies include, without limitation, the following (and subsequent technology and methods later developed):

• Cookies. A cookie is a data file placed on a Device when it is used to visit our Services. HTML5 cookies can be programmed through HTML5 local storage.
• Web Beacons. Small graphic images or other web programming code called web beacons (also known as “1×1 GIFs” or “clear GIFs”) may be included in the pages and messages of our Services. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or e-mail can act as a web beacon. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to our Services, to monitor how users navigate our Services, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed.
• Embedded Scripts. An embedded script is programming code that is designed to collect information about your interactions with our Services, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third-party service provider, is active only while you are connected to our Services and is deactivated or deleted thereafter.
• Browser Fingerprinting. Collection and analysis of information from your Device, such as, without limitation, your operating system, plug-ins, system fonts and other data, for purposes of identification.
• ETag, or Entity Tag. A feature of the cache in browsers. It is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. If the resource content at that URL ever changes, a new and different ETag is assigned. Used in this manner ETags are a form of Device Identifier. ETag tracking may generate unique tracking values even where the consumer blocks HTTP, and/or HTML5 cookies.
• Recognition Technologies. Technologies, including application of statistical probability to data sets, which attempt to recognize or make assumptions about users and devices (e.g., that a user of multiple devices is the same user)
• Session Replay / Pixel Tracking. We may also rely on Tracking Technologies for purposes of session replay and pixel tracking, which collect Information that tracks your interactions with our Services, including mouse movements, text, heatmap data, and other information associated with your visit to our site. This information is used to help us improve our site and better provide you with information you are interested in when you visit our site.
• Tracking Technologies Usage. We may use Tracking Technologies for a variety of purposes, including:

• Strictly Necessary. We may use cookies or other Tracking Technologies that we consider are strictly necessary to allow you to use and access our Services, including cookies required to prevent fraudulent activity and improve security. These tools are essential to the operation of the Website and cannot be turned off.
• Performance-Related. We may use cookies or other Tracking Technologies that are useful in order to assess the performance of our Services, including as part of our analytic practices or otherwise to improve the content, products or services offered through our Services.
• Functionality-Related. We may use cookies or other Tracking Technologies that are required to offer you enhanced functionality when accessing our Services, including identifying you when you sign-in to our Services or keeping track of our specified preferences, including in terms of the presentation of content on our Services.
• Targeting-Related. We may use Tracking Technologies to deliver content relevant to your interests on our Services and third-party sites based on how you interact with our content. This includes using Tracking Technologies to understand the usefulness to you of the content that has been delivered to you.

We offer you the ability to reject certain categories of optional tracking using our [“Cookie Settings”] privacy preference center. Please note that if you reject optional tracking, some Website functions and Services may ‎be unavailable and we will not be able to present personally tailored content and ‎advertisements to you. Please also note that certain of our tools will not cease to operate entirely when you opt out of that category of tracking, including certain analytics tools, but we will instead limit how those technologies operate so that they collect only de-identified information and more general information about your requested Services, rather than more detailed Usage Information.

Your browser may provide you with some additional settings and options regarding ‎cookies. For more detailed information about how to disable or administer your ‎cookie settings in your web browser, please refer to the applicable page for the ‎browser you are using:‎

• Safari: http://help.apple.com/safari/mac/8.0/#/sfri11471
• Google Chrome: https://support.google.com/chrome/answer/95647?hl=en
• Microsoft Edge/Internet Explorer: http://windows.microsoft.com/en-GB/windows-vista/Block-or-allow-cookies ‎
• ‎Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences

You can withdraw your consent to allow for cookies, change your browser settings, and delete the cookies already stored on your computer at any time using our [“Cookie Settings”] privacy preference center. Please note that if you delete or choose not to accept cookies, you may not be able to utilize the features of the Services on our Website to their fullest potential.

Turning off third-party cookies

You can turn off certain third-party targeting/advertising cookies by visiting the ‎Network Advertising Initiative: https://optout.networkadvertising.org/?c=1 and by ‎visiting Google:‎ https://tools.google.com/dlpage/gaoptout‎.‎

2. Use of Collected Information.

We may use the information that we collect from you to carry out our contractual obligations, process transactions, authenticate you as a user and allow you access to certain areas of our Services, and provide products, services, and information to you. We may use your information to process your applications or payments, to direct claims to your insurance carrier, to inform underwriting, and to provide you with information that may be of interest to you. We may also use the information that we collect to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us is among the assets transferred.

We may also use the information that we collect to customize your experience on our Services, to better tailor our product offerings, to improve our Services and the content provided on and through our Services, to provide customer support, to enforce our Terms of Use, to meet our legal obligations or to inform a legal proceeding, and to provide you with content or advertisements that may be of interest to you. We may anonymize or aggregate your ‎‎information for marketing and actuarial purposes. We may also use the information we collect from you for additional purposes with your consent.

3. Information Sharing.

We may share the information that we collect from you, including Personal Information, with third parties for a variety of purposes. For example, we may share information with service providers who assist us in our business operations. We may also share information where required by law or to satisfy any applicable law, regulation, subpoena, government request, or other legal process. We may also share information with third parties, including law enforcement, to protect our Services and to enforce our Terms of Use. We also reserve the right to share the information that we collect with our parent company, Fair Tech Inc., and our respective subsidiaries and affiliates for marketing and other business purposes, with promotional partners and other third parties with your consent, and with any subsequent owner in the event of a merger, consolidation, sale of our assets, or other change in our business, including during the course of any due diligence process.

When you register for or attend an online event or webinar that we host on a third-party platform, that platform may collect and use your information for its own purposes in accordance with its own privacy policy. We are responsible for how we use the information we receive in connection with those events as described in this Privacy Policy, but we are not responsible for the independent data collection, use, or sharing practices of such third-party platforms. We encourage you to review the privacy policy of any third-party platform you use to access our online events or webinars.

We do not sell your Personal Information.

(a) Co-Branded Areas.

We may provide certain parts of our Services in association with third parties, such as promotional partners or affiliates. These “co-branded areas” will identify the third party. If you choose to use these co-branded areas, we may share your information with the identified third party, and that third party may also collect information from you, in addition to the information that we collect, as described above. You should review the privacy policies of those identified third parties to understand how they collect and use information.

(b) Links to Third-Party Sites.

Our Services may include links to third-party websites or other online services. We are not responsible for these other sites and services, and they may collect and use information about you. You should review the privacy policies for such third parties before using their sites or services to understand how they collect and use information.

(c) Third-Party Tracking and Do Not Track.

Third parties may use tracking technologies in connection with our Services, which may include the collection of information about your online activities over time and across third-party websites and other online services. This Privacy Policy does not apply to these third-party technologies because we may not control them and we are not responsible for them. Do Not Track is a technology that enables users to opt out of tracking by websites and other online services they do not visit. Currently, we do not monitor or take any action with respect to Do Not Track technology.

(d) Analytic Services and Targeted Ads.

We use third-party analytics services to collect, monitor and analyze data we collect through our Services to better understand how our Services are used and to improve their functionality. These services may track details about your online activities over time and across different websites and other online services. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.

We may use third-party analytics tools that track and report online traffic and provide us insight into behavior information relating to visitor demographics and interests. We offer you certain controls for these analytics tools using our [“Cookie Settings.”] We communicate your privacy preferences to our analytics providers to restrict the processing of your data consistent with your preferences.

These third-party services have their own privacy policies addressing how they use such information. We recommend you review their privacy policies.

If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.

4. Information Protection.

We use commercially reasonable and industry standard security technologies and other safeguards to protect the information that we collect and use. Our collection, use, and safeguarding of nonpublic personal information is subject to the Gramm-Leach-Bliley Act, Regulation P (12 C.F.R. Part 1016), and/ or applicable state insurance privacy and data security laws. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us. In the event of a data security incident involving your Personal Information, we will provide notification as required by applicable law.

5. Users Outside of the United States.

If you are from a non-U.S. country, please be aware that the Personal Information you submit, including information provided through our Services, is being sent to a location in the United States. The data protection laws in the United States are likely different from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By providing such Personal Information through the Services, you are consenting to (and represent that you have authority to consent to), the transfer of such information to the United States for the uses and purposes described in this Privacy Policy. Without limiting the above, for the avoidance of doubt we do not have an establishment or target ‎people in the EEA or UK.

6. Social Security Protection Policy Statement‎

It is our policy to protect the confidentiality of Social Security numbers (SSNs) ‎from ‎misuse ‎and improper disclosure by maintaining and enforcing physical, ‎‎‎electronic, and procedural ‎‎safeguards. We prohibit unlawful disclosure of ‎SSNs, and limit access to SSNs to our ‎personnel ‎who need access to SSNs in ‎order to perform their job functions. We do not ‎disclose SSNs to ‎third parties ‎except where required or ‎‎permitted by law.‎

7. Children’s Privacy.

The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal data from children under 13. In accordance with the Child Online Privacy Protection Act, in the event that we learn that we have collected personal information from a child under age thirteen (13) without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any personal information from or about a minor, please contact us at [insert an email].

8. Your California Privacy Rights

If you are a resident of California, you have additional rights under California law.  Residents of California may, under §1798.83, known as the “Shine The Light” law, request ‎‎and obtain from us, once a year and free of charge, information about categories of personal ‎‎‎information (if any) we disclosed to third parties for direct marketing purposes and the names ‎‎and ‎addresses of all third parties with which we shared personal information in the immediately ‎‎preceding ‎calendar year. If you are a California resident and would like to make such a request, ‎‎please submit your ‎request clearly in writing to us using the contact information provided below.

Residents of other states may have additional rights regarding their Personal Information under applicable state privacy laws, including the right to know what Personal Information we collect, to request its deletion, and to opt out of certain sharing practices. To exercise any such rights, please contact us using the contact information provided below . We will respond to verifiable requests within the timeframes required by applicable law.

9. Contact Us.

If you have any questions about our privacy policy or comments on our Services or become aware of misuse of our Services by any person, please contact us at:

Fair Insurance LLC
Attn: Support
Email: hello@fairwarranty.com

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