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:
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|
|Cookies||User browser||To remember your preferences and otherwise facilitate and personalize your use of the Services||Analytics service providers, cloud hosting providers|
|Browsing and Usage Activity (e.g., what emails, pages and data fields you interact with)|
|Device Information (device or browser type)|
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.
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.
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.
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 [email protected] 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.
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 [email protected] so we can investigate.
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.
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.
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.
Under the CCPA, you also have a right to request that we delete personal information, subject to certain exceptions. You may email us at [email protected] to have your information deleted.
You may make a request to know or delete by:
Email: Email us at [email protected]
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.
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.