Underwriter App, Inc. Privacy Policy

Last modified: December 12, 2023

Introduction

Underwriter App, Inc., a Delaware corporation ("Company" or "We"), respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you use the Company’s Application (“App”) or visit the Company’s website at https://iamunderwriter.com/ (our "Website"), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

  • On our App.

  • In email, text, and other electronic messages between you and the Company.

  • Through any additional mobile and desktop applications or the Website.

It does not apply to information collected by:

  • The Company offline or through any other means, including on any other app or website operated by Company; or 

  • Any third party, including through any application or content (including advertising) that may link to or be accessible from or through the App or our Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you should not use our App or Website. By accessing or using this App or Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this App or Website after we make changes to this policy is deemed to be your acceptance of those changes.  It is your responsibility to check the policy periodically for updates. 

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our App and Website, including:

  • Information by which you may be personally identified, such as name, postal address, marital status, social security number, biometric identifiers, email address, telephone number, or any other identifier by which you may be contacted online or offline.

  • Your financial data provided in the course of a transaction on our App or website such as your bank account and payment card details, and information about your income, account balances, financial transaction history, credit history, tax information, and credit scores provided as required by the appropriate governing bodies. 

  • Your profile data such as your username and password, your knowledge assessment results, your interests, preferences, feedback, and survey responses.

  • Stored content in your mobile device or on your computer such as photos from your mobile phone gallery or contacts stored in your mobile device or email accounts, accessed with your permission.

  • Additional data you provide to us, such as via focus groups, survey responses, contests/sweepstakes, and to customer support.

  • Information that is about you but does not specifically identify you, such as your place of work.

  • Information about your internet connection, the equipment you use to access the App and/or our Website, and usage details.

Information You Provide to Us  

While using our App or Website, we may collect additional information about you including:

  • Information that you provide by filling in forms on our App or Website. This includes information provided at the time of registering to use our App or Website, subscribing to our service, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us.

  • Records and copies of your correspondence (including email addresses), if you contact us through the Company’s App or Website.

  • Your responses to surveys that we might ask you to complete for research and App or Website improvement purposes.

  • Your search queries on the App and/or Website.

Information We Collect Through Automatic Data Collection Technologies  

As you navigate through and interact with our App or Website, we may use automatic data collection technologies to collect certain information including:

  • Details of your visits to our App or Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on our App or Website.

  • Information about your mobile device, computer and internet connection, including your IP address, operating system, GPS location of your mobile device in accordance with your device permissions, and browser type.

The information we collect automatically is only statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our App or Website and to deliver a better and more personalized user experience, including by enabling us to:

  • Estimate our audience size and usage patterns.

  • Store information about your preferences, allowing us to customize our App or Website according to your individual interests.

  • Speed up your searches.

  • Recognize you when you return to our App or Website.

The technologies we use for this automatic data collection may include “cookies”.  A cookie is a small file placed on the hard drive of your mobile device or computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our App or Website. Unless you have adjusted your browser settings to refuse cookies, our system will issue cookies when you direct your browser to our App or Website.   

Information We Collect from Other Sources

We also obtain information about you from other sources that interact with our App or Website including:

  • Information about you from companies that we do business with, such as your name, contact data, inferences about your preferences and attributes, as well as inferred fraud risk, from identity verification and fraud prevention partners.

  • Certain financial information in the instance that you choose to link an outside financial account to your App or Website profile.

  • Information provided by a third-party service such as Google or Apple, if you link, connect, or log in to our App or Website through these sources, the third-party service may send us information such as your profile information from that service. This information varies and is controlled by that service or as authorized by you via your privacy settings at that service.

  • Publicly available data, where our App or Website is accessed through a social media platform or other publicly available source that collects your data. 

  • Data about you provided by other users of our App or Website. If you are in another user’s contact list and they choose to share that list with us, then we will collect the contact information and your association with that user.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information in different ways including:

  • To present our App or Website and its contents to you.

  • To send you transactional or relationship information, including confirmations, invoices, technical notices, customer support responses, software updates, security alerts, support and administrative messages, and information about your transactions.

  • To communicate with you about offers and other things we think you will be interested in, such as newsletters, product announcements, partner offerings, surveys, contests or sweepstakes, events or announcements.

  • To provide you with notices about your account or subscription, including expiration and renewal notices.

  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

  • To notify you about changes to our App or Website or any products or services we offer or provide though it.

  • To allow you to participate in interactive features on our App or Website.

  • In any other way we may describe when you provide the information.

  • For any other purpose with your consent.

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

We are committed to maintaining your trust, and we want you to understand when and with whom we share information about you. We may disclose aggregated information about our users, and information that does not identify any individual, without restriction, that we collect, or you provide us, to the following:

  • Authorized third-party vendors and service providers  who perform services for us, such as identification verification, fraud prevention, advertising, mailing services, tax and accounting services, contest fulfillment, web hosting, and analytics services. 

  • Our subsidiaries and affiliates.

  • Contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

  • A buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about our App and/or Website users is among the assets transferred.

  • Anyone else, for any purpose, with your consent.

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

  • To enforce or apply our terms of use, located at iamunderwriter.com/terms, and other agreements, including for billing and collection purposes.

  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

We share information with others in an aggregated or otherwise de-identified form that does not reasonably identify you.

Third Party Tracking and Advertising

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information: 

  • We use third-party advertising and analytics services to better understand your online activity and serve you targeted advertisements. These companies collect information about your use of our App, Website and online services over time through cookies, device identifiers, or other tracking technologies. The information collected includes your IP address, web browser, mobile network information, pages viewed, time spent, links clicked, and conversion information. We and our third-party partners use this information to, among other things, analyze and track data, determine the popularity of content, and deliver advertisements targeted to your interests on our Services and other platforms, as well as to provide advertising-related services to us such as reporting, attribution, analytics, and market research.

For more information about interest-based ads, including to learn about options for opting out of having your web browsing information used for targeted advertising purposes, please visit iamunderwriter.com. You should also review your mobile device settings and controls for features that allow you to opt out or opt in to having certain information collected for behavioral advertising purposes.

  • We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.

Accessing and Correcting Your Information

You can review and change your personal information by logging into our App or Website and visiting your account profile page.

You may also send us an email to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

While using our App or Website, as explained above, we may ask you to provide feedback by completing surveys, providing feedback when prompted, or even by submitting ideas to an open forum within our App or Website (“User Contributions”). If you delete your User Contributions from our App or Website, copies of your User Contributions may remain viewable in cached and archived pages or might have been copied or stored by other App or Website users. 

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Any payment transactions made through our App or Website will be encrypted.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our App or Website, you are responsible for keeping that password confidential. We ask you not to share your password with anyone. 

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our App or Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the App or Website. 

Notice to California and Virginia Residents

This section provides additional details about the personal information we collect about California and Virginia residents and the rights afforded to them under the California Consumer Privacy Act (“CCPA”) and the Virginia Consumer Data Protection Act (“VCDPA”). Please note that the CCPA does not apply to what is referred to as nonpublic personal information collected by financial institutions (like the Company), as that information is subject instead to other financial privacy laws. Additionally, the VCDPA does not apply to any entities that are financial institutions. As a result, the CCPA and VCDPA do not apply to most of the information that the Company collects.

Subject to certain limitations and exceptions, the CCPA and VCDPA provide California and Virginia residents, respectively, with certain rights. We do not sell information about you to third parties. In order to help the Company deliver advertising and marketing on other platforms, we do allow third parties to collect information through our App or Website. Please see the “Third Party Tracking and Advertising” section above for more details, including choices available to you.

We collect personal information, as defined in the “Information We Collect About You and How We Collect It”, section above. For California residents, the information collected reflects the Company’s processing in the past 12 months. We share this information with the categories of third parties described in the “Disclosure of Your Information” section above.

California and Virginia residents may make a request to exercise rights under the CCPA and VCDPA, respectively, that are not otherwise exempt under applicable law. If you are a Company App or Website user, a request may be made by logging into your Company account, navigating to the [Security and Privacy] menu, and selecting the option to either Download Personal Data or Request Data Deletion. You may also request assistance by sending an email to devapps@iamunderwriter.com. We may verify the request by asking you to provide information that matches information we have on file about you. You can also designate an authorized agent to exercise these rights on your behalf, but we will require proof that the person is authorized to act on your behalf and may also still ask you to verify your identity with us directly. If you are a Virginia resident and Company is unable to satisfy your request to exercise a right available to you under the VCDPA, you are entitled to appeal our decision by emailing devapps@iamunderwriter.com.

Children Under the Age of 13

We do not knowingly collect or solicit any information from anyone under the age of 13 via the Company’s App or Website. In the event we learn that we have inadvertently collected personal information from a child under the age of 13, we will take reasonable steps to delete that information. If you believe that we might have any information from a child under the age of 13, please contact us at devapps@iamunderwriter.com.

Changes to Our Privacy Policy

This Privacy Policy will evolve with time, and when we update it, we will revise the "Last Modified" date above and post the new Policy and, in some cases, provide additional notice (such as adding a statement to our website or sending you a notification). To stay informed of our privacy practices, we recommend you review the Policy on a regular basis as you continue to use our Services.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: 

E-mail: devapps@iamunderwriter.com

Website: https://iamunderwriter.com

Mailing Address: