Privacy Policy Last Updated: May 26, 2022
Thank you for reviewing this Privacy Policy for Granular Insurance (“Granular Insurance,” “we,” “us” or “our”), an Alphabet company, and our controlled affiliates. This policy applies to Granular Insurance products, communications, and digital properties (such as websites, online platforms and mobile applications) that refer to this Privacy Policy, and where Granular Insurance may obtain and control your Personal Information, as defined in this Privacy Policy, from a third party (collectively, the “Services”). For the purposes of this Privacy Policy, Granular is a controller (i.e., responsible party) of your Personal Information when we (or Service Providers acting on our behalf) administer the Services directly on our own behalf. In certain situations, we also administer the Services on behalf of customers. In those instances, Granular may act as a processor or service provider to such customers. In those instances, you should review the privacy policy of such third parties with whom you are dealing directly, as they will be responsible for the handling of your Personal Information.
Granular Insurance values and is committed to protecting the privacy and security of your information gathered through the Services. Please read this Privacy Policy carefully. We want you to understand what data we collect from you when you use the Services, and how we use and disclose such data. By accessing or using the Services, you acknowledge that: (i) you have read and understand this Privacy Policy; (ii) you understand that your access to and use of the Services are subject to this Privacy Policy; and (iii) you understand Granular Insurance’s practices regarding collection, use and disclosure of your data as described in this Privacy Policy.
When you use the Services, certain types of data may be collected from you, including: (1) Non-Personal Information; and (2) Personally Identifiable Information.
We may automatically collect certain data regarding your use of or access to the Services, such as: the type of device you use to access the Services; the date and time you access the Services; the type of web browser you use to access the Services; and the sections within the Services that you access. Such information (collectively, “Non-Personal Information”) may be collected through cookies. For more detailed information on cookies, please refer to the “Use of Cookies” section below.
You may be able to view content through certain Services (or portions thereof) that are accessible to the general public without disclosing any information that, either alone or in combination with other information, can be used to uniquely identify, contact or locate you (collectively, “Personally Identifiable Information” or “PII”). However, certain Services (or portions thereof) may only be accessible by creating an account, or otherwise disclosing certain PII (such as completing the contact us form on our website). By providing such information, you acknowledge that you understand our collection and use of it, as described in this Privacy Policy.
In some circumstances, Granular Insurance may also collect information about you from trusted partners, including security partners who provide us with information to protect against abuse.
Cookies are small bits of data cached or stored on your computer or smartphone based on Internet activity. We may use cookies to monitor individual activity in aggregate to improve the Services and provide features that are tailored to your needs. Most web browsers automatically accept cookies, but you can usually change your settings to prevent this. If you disable cookies, your ability to use some features of the Services may be limited. We may also use session cookies when you use the Services. Session cookies are active only during the period you are logged into the Services, and are removed when you leave.
We do not knowingly collect Personal Information from children under the age of 13. Children are not permitted to use the Services, and we request that children under the age of 13 not submit any Personal Information through the Services. If your child has submitted Personal Information, please contact us at info@granularinsurance.com to request that such information be removed. Once we are aware of information entered by a child, we will exercise commercially reasonable efforts to remove such information from our databases and storage areas.
Generally, we may use and disclose the information that we collect for our business purposes, including operation of the Services, as well as development of new products and services. Such use and disclosure of information may vary with respect to the type of information collected, including: (1) Non-Personal Information; and (2) Personally Identifiable Information.
We use Non-Personal Information collected through the Services to monitor the performance and effectiveness of the Services, to help personalize your experience, for statistical and research purposes and for improving the functionality of the Services. This information may also be used for administrative purposes including, without limitation, to troubleshoot and resolve problems with the Services and to protect Granular Insurance, the Services and our users. We may rely on third-party partners to collect and analyze Non-Personal Information based on our instructions and subject to appropriate privacy and security measures.
PII collected may be used for a variety of purposes, such as providing the Services, responding to your requests for information and creation of user accounts. We may disclose your PII to:
(i) our affiliates as necessary or appropriate, to assist us with responding to your requests for information and to provide other activities contemplated by the Services; and
(ii) business partners or service providers we use to perform site hosting, analytics, and other information technology and support functions on our behalf, and such activities are performed based on our instructions and in compliance with appropriate privacy and security measures.
We may share personal information with companies, organizations or individuals outside of Granular Insurance, for purposes not specified elsewhere in this Privacy Policy, when we have your consent to do so. We require explicit “opt-in” consent for the sharing of certain sensitive personal information.
In addition to the activities described above, we may share personal information with companies, organizations or individuals outside of Granular Insurance if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to: (1) meet any applicable law, regulation, legal process or enforceable governmental request; (2) enforce applicable Terms of Service, including investigation of potential violations; (3) detect, prevent or otherwise address fraud, security or technical issues; or (4) protect against harm to the rights, property or safety of Granular Insurance, our users or the public, as required or permitted by law.
In some circumstances you may have the right to review or request your personal information, or request that it be deleted, by contacting us at info@granularinsurance.com. In some circumstances you may have the right to review or request your personal information, or request that it be deleted, by contacting us at info@granularinsurance.com. Your rights and our responses will vary based on your residency. To the extent permitted by law, we may reject requests that are unreasonably repetitive, unduly burdensome, risk the privacy of others, or would be very impractical to honor. Please see the California Requirements section for additional details related to California. Your rights and our responses will vary based on your residency. To the extent permitted by law, we may reject requests that are unreasonably repetitive, unduly burdensome, risk the privacy of others, or would be very impractical to honor. Please see the California Requirements section for additional details related to California.
Do Not Track (“DNT”) is a privacy preference that visitors can set in their web browsers. When a visitor turns on DNT, the browser sends a message to websites requesting that they don’t track the visitor. At this time, we do not respond to these signals. We do not change our practices, described elsewhere in this Privacy Policy, in response to DNT browser settings or signals.
We may provide links to other third-party websites through the Services solely as a convenience to you. However, such linking does not mean, and should not be interpreted to mean, that Granular Insurance endorses, is affiliated with or makes any representations concerning such third-party websites. Granular Insurance neither reviews, nor controls, nor is responsible for these third-party sites or any content therein. If you decide to access any of the third-party sites linked through the Services, you do so entirely at your own risk. Granular Insurance shall not be liable for any consequences arising from use of any third-party websites to which the Services link.
We work hard to prevent unauthorized accessing, alteration, disclosure, or destruction of the information we hold. We have many data security safeguards in place, and we regularly review our security practices to proactively guard against unauthorized access.
We strive to maintain the security of your information by using appropriate measures designed to protect our systems. However, we cannot guarantee the security of any information that is disclosed online. Consequently, we do not insure or warrant the security of any information you transmit, and you do so at your own risk.
How long we retain your Personal Information depends on the context in which, and purposes for which, we collected it. We generally retain Personal Information for as long as necessary for achieving the purposes for which it was collected or processed, unless a different retention period is required by applicable law.
If the California Consumer Privacy Act (CCPA) applies to your information, we provide these disclosures and the mechanisms described in this policy so you can exercise your rights to receive information about our data practices, as well as to request access to and deletion of your information.
Granular Insurance provides two mechanisms that allow you to submit requests to access or delete your information. You can submit such requests by (1) calling our toll-free number at 866.984.2067 (2) emailing us at info@granularinsurance.com. You can also read more about Granular Insurance’s data retention periods, and the process we follow to delete your information.
Granular Insurance does not sell your personal information. We only share your information as described in this policy. Granular Insurance processes your information for the purposes described in this policy, which include “business purposes” under the CCPA. These purposes include:
Granular Insurance also uses information to satisfy applicable laws or regulations, and discloses information in response to legal process or enforceable government requests, including to law enforcement. If you have additional questions or requests related to your rights under the CCPA, you can contact us using the mechanisms described above.
From time to time, we may update and post revisions to this Privacy Policy. Any changes will be effective immediately upon the posting of the revised Privacy Policy. We encourage you to review this page periodically for the latest information on our privacy practices.
If Granular Insurance is involved in a merger, acquisition or asset sale, we will continue to ensure the confidentiality of any personal information and give affected users notice before personal information is transferred or becomes subject to a different privacy policy.
If you have any questions or concerns regarding the information gathered through the Services, or would like to submit a request related to your information (including requests to review, update or delete your information), please let us know by emailing us at info@granularinsurance.com.