Privacy Policy

Inuity Insurance Company, Inc. (“Inuity,” “we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you interact with us, including through SMS text messages, our website, mobile applications, and other services.

1. Information We Collect

We may collect the following categories of information:

• Personal Information: Name, phone number, email address, mailing address, account login credentials, driver’s license or other ID, and insurance policy information.
• SMS Information: Phone number, carrier, time/date of messages, and message content (limited to transactional verification codes and account security communications).
• Technical Information: IP address, browser type, operating system, device identifiers, and site usage data.
• Insurance & Transaction Data: Policy purchases, claims, and payment history.

2. How We Use Your Information

We use your information for the following purposes:

• To provide insurance products and services you request.
• To send one-time passcodes (OTPs) and other transactional SMS messages for account verification, login, password resets, and policy updates.
• To maintain security and prevent fraud.
• To comply with legal and regulatory obligations.
• To improve our products, services, and communications.

3. SMS Messaging and 10DLC Compliance

• You may opt in to receive SMS messages during account registration or other customer-initiated processes.
• SMS messages are transactional only (e.g., verification codes, account security notifications). We do not send marketing via SMS.
• Message and data rates may apply.
• You may opt out at any time by replying STOP. After opting out, you will no longer receive SMS verification messages.
• Reply HELP for support or contact us at (888) 965-7199.

4. Disclosure of Information

We do not sell your personal information. We may disclose your information to:

• Service Providers: Third parties who assist us in providing services (e.g., cloud hosting, fraud prevention, SMS delivery).
• Regulatory Authorities: To comply with laws, regulations, or court orders.
• Business Transfers: In the event of a merger, acquisition, or sale of assets.

5. Your Privacy Rights (Including California Residents)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA/CPRA):

• Right to Know: You may request details about the personal information we collect, use, and disclose.
• Right to Delete: You may request deletion of your personal information, subject to legal and business exceptions.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt Out of Sale/Sharing: We do not sell or share your personal information for cross-context behavioral advertising.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise these rights, please contact us at privacy@inuityinsurance.com or call (888) 965-7199. We will verify your identity before processing requests as required by law.

6. Data Security

We implement reasonable technical, administrative, and physical safeguards to protect your information. However, no system is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements.

8. Children’s Privacy

Our services are not directed to children under 13. We do not knowingly collect information from children under 13.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last Updated” date.

10. Contact Us