Privacy Policy

Welcome to Scout Insurance!

At Scout Insurance (“Scout Insurance,” “we,” “our,” or “us”), protecting your privacy and personal information is a top priority. This Privacy Policy describes the types of information we may collect from you or that you may provide to us, including when you visit our website or fill out our forms (collectively, the “Site”), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Privacy Policy is hereby incorporated into our Terms of Use. By using the Services (“Services” includes your access to or use of the Site, content, products, services, and programs made available by Scout Insurance), you accept the terms of this Privacy Policy. All capitalized terms not otherwise defined herein have the meanings given to them in the Terms of Use. “You” and “your” mean the user of the Services.

This Privacy Policy applies to information we collect:

• On the Site and through the Services, as well as offline.
• In email, phone, text, or other electronic messages between you and Scout Insurance.
• From third parties about you in connection with providing Services.
• Through other interactions with our team, including when you provide information by phone, through forms, or in writing.

This Privacy Policy does not apply to information collected by any unaffiliated third party from you, including through any application or content (including advertising) that may link to or be accessible from our Site.

Please note that personal data obtained through SMS short code is not shared with third parties and/or affiliates for their own marketing purposes.

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, do not use this Site or the Services. By continuing to use this Site or the Services, you are deemed to have consented to this Privacy Policy.

Federal and California Residents. Residents of the United States, including those in California, have additional rights under laws passed at both the federal and state levels. These include the Gramm-Leach-Bliley Act (GLBA) and other federal consumer protection laws, as well as California-specific laws such as the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), the “Shine the Light” law, and the California Online Privacy Protection Act (CalOPPA). For a full summary of these rights and how to exercise them, please see Section 8: Your Privacy Rights Under Federal and California Law below.

1. Information We Collect

To provide you with personalized insurance solutions, we may collect several categories of information, which may include:

• Identifiers: Name, email address, phone number, home address, date of birth, and government-issued identifiers such as driver’s license or Social Security number.
• Insurance-related information: Coverage history, claim details, policy preferences, and records related to your insurance needs.
• Financial information: Payment information (credit/debit card or bank account details), billing address, income, and relevant financial history used for qualifying insurance coverage.
• Employment and professional information: Occupation, employer, or related details if needed for coverage purposes.
• Device and browsing information: IP address, browser type, operating system, geolocation data, session data, and interactions with our website are collected automatically through cookies, pixels, or other tracking technologies.

We may also collect other information that you choose to provide, such as feedback, survey responses, or communications with our support team.

We collect this information:

1. Directly from you when you request a quote, fill out forms, submit documents, or contact us.
2. Automatically as you navigate and interact with our Site. Information collected automatically may include technical data and usage information.
3. From third parties such as insurance carriers, service providers, or other partners who assist us in delivering our Services.

2. How We Use Your Information

We use your information for a variety of business and operational purposes, including but not limited to:

• Providing Services: To generate insurance quotes, establish or maintain policies, and assist with claims.
• Processing payments: To handle billing, refunds, or financial transactions authorized by you.
• Verification and eligibility: To confirm your identity, assess your coverage options, and ensure eligibility for certain products.
• Personalization: To present you with policy options, offers, and services tailored to your needs.
• Communication: To send you updates regarding your account, renewal notices, confirmations, and other service-related notifications.
• Customer support: To respond to your inquiries, requests, or concerns and provide assistance as needed.
• Improvement: To analyze the use of our Site and Services and improve our offerings and customer experience.
• Marketing: To send promotional communications about Scout Insurance products and services, unless you opt out.
• Compliance: To meet legal and regulatory obligations, including recordkeeping and reporting.

3. How We Share Your Information

We may disclose your information to:

• Insurance carriers and partners for the purposes of providing you with quotes, underwriting policies, and handling claims.
• Vendors and service providers that perform functions on our behalf, such as payment processors, IT providers, cloud hosting services, and analytics partners.
• Affiliates and subsidiaries within the Scout Insurance corporate family to support operations and ensure consistent service.
• Regulatory and legal authorities, when required by law, subpoena, or to enforce our legal rights.
• In connection with a business transaction, such as a merger, acquisition, divestiture, restructuring, or sale of assets.

Where possible, we require third parties with whom we share personal information to maintain appropriate safeguards and use the information only for authorized purposes.

We do not sell your personal information to third parties for their independent marketing purposes.

4. Cookies and Tracking Technologies

We use cookies, pixels, and similar tracking technologies to:

• Recognize returning visitors and provide continuity of experience.
• Store your preferences and settings.
• Analyze Site usage and performance.
• Deliver tailored advertising and promotions.

You may disable cookies in your browser settings; however, doing so may limit functionality or prevent access to certain features of our Site.

5. Your Privacy Choices

We strive to give you control over your personal information. You may:

• Opt out of marketing communications by following the unsubscribe link in emails or replying “STOP” to text messages.
• Request access, correction, or deletion of your personal information, subject to applicable laws.
• Restrict certain data uses, such as targeted advertising, by adjusting your preferences or contacting us directly.

Requests may be submitted via email to hello@scoutcovered.com. Please provide sufficient details for us to verify your identity and respond appropriately.

6. Information Security

We employ commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, loss, or disclosure. These measures may include encryption, access controls, monitoring, and secure storage practices.

Despite our efforts, no security system can guarantee complete protection. If we become aware of a breach of security involving your personal information, we will take appropriate steps to notify you in accordance with applicable law.

7. Children’s Privacy

Our Services are not directed to, and we do not knowingly collect personal information from, children under 13 years of age. If we learn we have inadvertently collected information from a child under 13, we will delete it promptly. Parents or guardians who believe we may have information about a child should contact us at hello@scoutcovered.com.

8. Your Privacy Rights Under Federal and California Law

As a customer, you may have certain rights under federal and California law regarding your personal information.

Federal Law (Gramm-Leach-Bliley Act and related consumer protection laws):

• Certain information we collect and use in connection with providing insurance services is regulated under federal law.
• This means we protect your financial and insurance-related data and limit how it can be shared.

California Law (CCPA, CPRA, Shine the Light, and CalOPPA):
If you are a California resident, you have the following rights under state law:

• California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
  These laws give you the right to:
  • Know what categories of personal information we collect and how we use it.
  • Request access to the personal information we hold about you.
  • Request deletion of certain personal information we have collected, subject to legal and contractual exceptions.
  • Opt out of the sale or sharing of your personal information (Scout Insurance does not sell your information to third parties for their own marketing purposes).
  • Non-discrimination for exercising your privacy rights, we will not deny you services or charge different rates because you made a request.
• California “Shine the Light” Law:
  You may request details about whether we disclose your personal information to third parties for their direct marketing purposes.
• California Online Privacy Protection Act (CalOPPA):
  We are required to clearly post our privacy practices, what personal information we collect, and how it may be shared. By publishing this Privacy Policy, we meet our obligations under CalOPPA.

To exercise these rights, you can contact us at hello@scoutcovered.com. Please include your full name, email address, phone number, and a brief description of your request so we can verify and respond properly.

9. Retention of Information

We retain your information for as long as necessary to fulfill the purposes described in this Privacy Policy, including to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods may vary depending on the type of data and applicable regulatory requirements.

10. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technologies, legal requirements, or other factors. If we make material changes, we will revise the “Effective Date” at the top of this page. We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

11. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy, our privacy practices, or your privacy rights, please contact us using the information below:

Scout Insurance – Privacy Team
Address: 16 N Marengo Ave, Suite 303, Pasadena, CA 91101
Phone: 844-839-9100
Email: hello@scoutcovered.com

When reaching out, please include your full name, contact information, and a clear description of your request or concern so we can properly verify your identity and respond appropriately.

We are committed to responding to all inquiries as quickly as possible and within the timeframes required by law. If you are a California resident, you may also use the contact information above to exercise your rights under the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), the “Shine the Light” law, and the California Online Privacy Protection Act (CalOPPA).

If we are unable to resolve your concern, you may also have the right to contact your state’s attorney general or privacy regulator for further assistance.