When you use the Services, certain types of data may be collected from you, including: (1) Non-Personal Information; and (2) Personally Identifiable Information.
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.
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 email@example.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.
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 firstname.lastname@example.org. 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 email@example.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.
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 firstname.lastname@example.org. 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.
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 email@example.com.