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PRIVACY POLICY
Updated 06/30/2021
1. LIFERAFT RISK TECHNOLOGIES PRIVACY POLICY
2. CONSUMER PRIVACY FOR CALIFORNIA USERS
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1. LIFERAFT RISK TECHNOLOGIES PRIVACY POLICY
This policy explains what information we collect when you visit or use Liferaft
Risk Technologies's ("Liferaft," "we," "us," "our") website, liferaft.co (the
"Website") and the services, products and content featured on the Website,
including financial and insurance related products (collectively with the
Website, the "Services"). It also has information about how we store, use,
transfer, and delete that information. In addition to this policy, other
policies that may apply to information collected about you include:
* The privacy notices of our insurance partners found here and here.
* Any HIPAA Notice of Privacy Practices: These notices describe how certain
insurance-related products use and disclose "protected health information"
("PHI") about you, as well as your rights with respect to such PHI, to the
extent such insurance-related products are "covered entities" under the
Health Insurance Portability and Accountability Act of 1996, as amended
("HIPAA"). When we receive PHI about you in the course of performing services
for a HIPAA covered entity, we receive it as a provider of services to the
HIPAA covered entity, and are therefore a "business associate" under HIPAA.
We use and disclose such PHI in accordance with our obligations under HIPAA,
as well as our contractual obligations to such covered entity.
INFORMATION WE COLLECT & HOW WE USE AND SHARE IT
We collect and use information about you. We do not sell information about you
to third-parties and have not done so in the past 12 months. The below table
explains our current practices, and our practices for the past 12 months,
related to:
The categories of personal information we collect about you
The purposes for collecting your personal information
Whether we disclose your personal information, and if so, to whom.
Type of Information Source of Information Purpose of Collection Disclosure Full
name User entry To create and maintain your account(s), verify your identity and
to issue any policies Insurance carrier partners and their technology partners,
banking partners, payment processors, cloud hosting providers, customer support
service providers, communication service providers Email address User entry To
communicate with you and to create and maintain your account Insurance carrier
partners and their technology partners, banking partners, payment processors,
cloud hosting providers, customer support service providers, communication
service providers Payment, financial account and related transaction information
User entry; payment processors To process payments, verify your identity and to
maintain your account(s) Banking partners, payment processors Social Security
Number or Taxpayer Identification Number User entry To determine your
eligibility for certain products, verify your identity and to create and
maintain your account(s) Banking partners, cloud hosting partners Age/Date of
Birth User entry To determine your eligibility for certain products, verify your
identity, create and maintain your account(s) and issue any policies Insurance
carrier partners and their technology partners, banking partners, payment
processors, cloud hosting providers Partnership Status and Number of Dependents
Spouse's Name and Date of Birth (if applicable) Home Address, State of Residence
and Billing Address Hospitalization Information Cookies User browser To remember
your preferences and otherwise facilitate and personalize your use of the
Services Analytics service providers, cloud hosting providers IP Address
Browsing and Usage Activity (e.g., what emails, pages and data fields you
interact with) Device Information (device or browser type)
In addition to the above, we also use or disclose all of the above information
in the below circumstances:
with your consent or direction
to provide, test, personalize, improve and promote the Services, which may
involve us disclosing information to service providers and other business
partners
to promote the safety and security of the Services, enforce our Terms of
Service, fight spam and other forms of abuse or suspicious activity such as
fraud or financial loss, exercise or defend legal claims, protect against harm
to the rights or property of us or third parties, cooperate with law enforcement
and when we have a good faith belief the use or disclosure is required by law,
which may involve us disclosing information to law enforcement, professional
advisors and other third parties in connection with such activities
to your employer, employee-designated benefit partner or other plan sponsor, to
administer or facilitate the receipt of benefits and benefit-related information
in connection with, or during negotiations of, any merger, divestiture,
restricting, reorganization, dissolution, or other sale or transfer of some or
all of our business, which may involve us disclosing information to other
corporate entities, professional advisors and other third parties in connection
with such activities
in connection with our receipt of professional services, which may involve us
disclosing information to professional advisors, including our lawyers and
auditors
We do not currently share information with non-affiliated companies for those
companies to market to you.
DATA STORAGE
Liferaft uses third-party vendors and hosting partners, such as Aptible, for
hardware, software, networking, storage, and related technology we need to run
Liferaft. We maintain two types of logs: server logs and event logs. By using
the Services, you authorize Liferaft to transfer, store, and use your
information in the United States.
TRACKING & COOKIES
We use browser cookies and similar technologies to recognize you when you return
to our Services. We use them in various ways, for example to remember your
preferences (such as default language), evaluate email effectiveness, and
personalize content and other services.
Some third-party services, such as Google Analytics, to place their own cookies
on your device. As explained below in the Third Party Services section,
information collected by a third-party is subject to that third party’s privacy
policy.
YOUR CHOICES
Sometimes we’ll send you emails about your account, service changes or new
policies. You can’t opt out of this type of “transactional” email (unless you
delete your account). But, you can opt out of non-administrative emails such as
digests, newsletters, and activity notifications from the unsubscribe link
provided in the email.
We won’t email you to ask for your password or other account information. If you
receive such an email, please forward it to us at support@liferaft.co so we can
investigate
Your browser settings may allow you to transmit a “Do Not Track” signal when you
visit various websites. Like many websites, our Website is not designed to
respond to “Do Not Track” signals received from browsers. To learn more about
“Do Not Track” signals, you can visit http://www.allaboutdnt.com.
THIRD PARTY SERVICES
Our Services may contain links to other online platforms operated by third
parties. This Policy does not apply to their collection and use of information
about you. Any information that you submit to or is otherwise collected by a
third party is subject to that third party’s privacy policy.
DATA SECURITY
To protect information about you from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings, and requiring third-party service
providers who handle information on our behalf to protect and safeguard your
information. Further, if you are a former customer of our financial services, we
will continue to treat your information in the same way as outlined in this
Policy.
However, pease note that any information you send to us electronically, while
using the Services or otherwise interacting with us, may not be secure when it
is transmitted to us. We recommend that you do not use unsecure channels to
communicate sensitive or confidential information to us. Please be aware though
that, despite our best efforts, no security measures are perfect or
impenetrable, and we cannot guarantee “perfect security.” Any information you
send us through any means is transmitted at your own risk.
When you interact with an email sent from Liferaft (such as opening an email or
clicking on a particular link in an email), we may receive information about
that interaction.
We won’t email you to ask for your password or other account information. If you
receive such an email, please forward it to us at support@liferaft.co so we can
investigate.
CHANGES TO THIS POLICY
Liferaft may periodically update this Policy. We'll notify you of any material
changes and take any other steps as may be required by law. The most current
version of the policy will always be shown here.
2. CONSUMER PRIVACY FOR CALIFORNIA USERS
If you are a California resident, the processing of certain personal data about
you may be subject to the California Consumer Privacy Act (“CCPA”) and other
applicable California state privacy laws. The CCPA does not apply to information
collected pursuant to HIPAA or the Gramm-Leach-Bliley Act, as described above.
Where the CCPA applies, this section provides additional privacy disclosures and
informs you of key additional rights as a California resident.
RIGHT TO KNOW REQUEST
Under the CCPA, you have a right to request information about our collection,
use, and disclosure of your personal information over the prior 12 months, and
ask that we provide you with the following information:
1. Categories of and specific pieces of personal information we have collected
about you.
2. Categories of sources from which we collect personal information.
3. The business of commercial purposes for collecting personal information.
4. Categories of third parties to whom the personal information was disclosed
for a business purpose.
5. Categories of personal information disclosed about you for a business
purpose.
RIGHT TO DELETE REQUEST
Under the CCPA, you also have a right to request that we delete personal
information, subject to certain exceptions. You may email us at
support@liferaft.co to have your information deleted.
EXERCISING YOUR RIGHTS UNDER CCPA
You may make a request to know or delete by:
Email: Email us at support@liferaft.co
We may need to collect information from you to verify your identity, such as
your email address, government issued ID or date of birth. If you have not
previously shared your email address with Liferaft, we may not have enough
information about you to verify your Right to Know and Right to Delete requests
since we do not keep sufficient information to re-identify and link you to a
prior visit to Liferaft. You may make a verifiable consumer request to access
your personal information twice per 12-month period. We will not discriminate
against you for exercising any of your rights under the CCPA.
REQUESTS MADE THROUGH AGENTS
You may designate, in writing or through a power of attorney document, an
authorized agent to make requests on your behalf to exercise your rights. Before
accepting such a request from an agent, we will require that the agent provide
proof you have authorized them to act on your behalf, and we may need you to
verify your identity directly with us.
CONTACT US
Please contact us with questions or requests for clarification.
EMAIL
support@liferaft.co
PHONE
(888) 977-8080
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INSURANCE PRODUCTS ARE SOLD BY LIFERAFT INSURANCES SERVICES, LLC A LICENSED
INSURANCE PRODUCER WITH CALIFORNIA LICENSE #6003070 AND NATIONAL PRODUCER NUMBER
#17313354. LIFERAFT INSURANCE SERVICES, LLC IS A LICENSED PRODUCER IN ALL 50
U.S. STATES AND DC WITH ITS PRINCIPAL PLACE OF BUSINESS AT 251 RHODE ISLAND
STREET, SUITE 107, SAN FRANCISCO CA 94103.
LIFERAFT RISK TECHNOLOGIES IS A FINANCIAL TECHNOLOGY COMPANY AND IS NOT A BANK.
BANKING SERVICES PROVIDED BY BLUE RIDGE BANK; MEMBER FDIC. THE LIFERAFT VISA®
DEBIT CARD IS ISSUED BY BLUE RIDGE BANK PURSUANT TO A LICENSE FROM VISA U.S.A.
INC. AND MAY BE USED EVERYWHERE VISA DEBIT CARDS ARE ACCEPTED. SEE THE TERMS AND
CONDITIONS FOR MORE DETAILS.
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