Last updated: Feb 09, 2019
Please take a moment to familiarize yourself with the Policy before using our Services. Feel free to email us to firstname.lastname@example.org if you have any questions.
By accessing or using our Services, you agree to this Policy and to our Terms of Service. If you do not agree to this Policy or Terms of Service, please do not access or otherwise use our Services or any information contained herein.
Protection of Children’s Privacy
IF YOU ARE UNDER 18 YEARS OF AGE, THEN PLEASE DO NOT USE OR ACCESS THE SERVICES AT ANY TIME OR IN ANY MANNER.
Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or maintain Personal Information from persons under 18 years-of-age. If we learn that Personal Information of persons under 18-years-of-age has been collected on or through the Services, we will take the appropriate steps to delete this information.
If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user's account and/or access to the Services.
Collection of Personal Information
Keeping your information private and secure is incredibly important to us. These pages explain what we collect and why we collect it.
Please note: we only collect what we need and we only share when it’s necessary to help you out.
|Your name, address, and date of birth||We need this in order to determine the appropriate insurance price based on a risk assessment of the 1099 contractor's employment, their claims history, credit rating, and other attributes. The credit check has no impact on your credit score.|
|Your email address||This is part of the account creation process. It’s also the way that we will contact the 1099 contractor with policy, service, claims, availability in your region, and news-related communications.|
|Employment details||We use this to determine how to price the risk and better understand what type of coverage the 1099 contractor needs. This also includes payroll information which we use for workers compensation coverage.|
|Site & API usage statistics||We may collect data from API requests and your browser session with us. We aggregate and anonymize this data to look for statistical patterns that can help us give you, and all our users, more precise rates and coverage, as well as to improve overall performance and experience.|
|The type of incident, date, and time||We need this in order to create a record of your claim and to assess how to best respond.|
|Your phone number||We need this in order to contact you. We may share your phone number with our service providers who need to coordinate with you.|
Credit and Credit Based Information
Disclosure in accordance with section 2804(b) of the Insurance Law
If you are a first time user please read the following disclosure:
In connection with this insurance, we may review your credit report or obtain or use a credit-based insurance score, based on information contained in that report. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score comes from TransUnion.
If you used our services before and you wish to renew your policy please read the following:
In connection with this insurance, we may have previously used a credit report or obtained or used a credit-based insurance score based on information contained in that report. We may obtain or use credit information provided again, however, upon renewal of policy, such information may only be used to reduce premiums. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score comes from TransUnion.
Location information and other information from devices:
When you use the services through the API, we will collect and use information about you in generally similar ways and for similar purposes as when you use the 1099Policy website. In addition, we may collect information about your location. We may use the location information collected from your browser to enhance your use of the 1099Policy services by providing you with relevant content and contextual advertising. You can change the privacy settings of your device at any time, in order to turn off the functionality to share location information through the website. Please note that turning off location sharing may affect certain features of our services. Though we may identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.
Does 1099Policy share my information with others?
We will not share or sell your information for marketing purposes. We will share certain personal information with our partners and providers in order run our service and to resolve an incident. For example, we may share your name, address, and phone number with a plumber in order to deal with a burst pipe. We may also share non-personally identifiable information in order to improve our modeling and perform aggregate reporting, including by use of Google Analytics and other related services provided by Google (for more information on how Google Analytics collects and processes data visit: https://policies.google.com/privacy/partners).
How do you protect my information?
We restrict access to your information to our employees and others who we feel must use it to provide our products and services. We also maintain electronic and procedural safeguards to protect your information.
How does 1099Policy communicate with its policyholders?
We primarily message our policyholders through email. Certain email communication related to your account and claims must be delivered and do not include an unsubscribe option. Please ensure that the email we have on record is accurate. You can manage app notifications through your device settings.
Who should use 1099Policy’s website and API?
Our products and services are intended for anyone 18 years of age and old; we do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.
General, Governing Law and Jurisdiction
We reserve the right to discontinue or modify any aspect of the Services at any time. This Policy, together with our Terms of Service and any other legal notices published by us on our website and in the App, shall constitute the entire agreement between us concerning the Services. If any provision of this Policy is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Policy, which shall remain in full force and effect, provided, however, that in such event this Policy shall be interpreted so as to give effect, to the greatest extent consistent with, and permitted by, applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.
This Policy shall be governed by the laws of the State of New York, without respect to its conflict of laws principles. We each agree to submit to the personal and exclusive jurisdiction of the courts located in the State where the policy was issued, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.