Our Privacy Policy

We collect no PII from you when you visit our website or application unless you voluntarily choose to provide it. We do not collect PII from users who visit our website anonymously but may collect website tracking data (see further discussion on this topic below). When getting a quote, filling out a form, or registering on our website, you may be asked to enter your name, email address, phone number, or other details to help you with your experience and so we can provide you with our services.

To get a quote or to determine eligibility, we will use the information we collect from you, as well as information collected from third-party sources. These sources may look up information about your business based on the information you have entered, including but not limited to: business address, year business was established, your Experience Modification Factor, your risk profile, and claims information. If Pie Insurance cannot meet all your coverage needs we may share your information with trusted Pie partners for the purposes of offering your additional coverage options.

When determining eligibility for our products, we collect information from you that could be shared for business or legal reasons. We may collect the following personal information:

• Your name
• Address
• Email address
• Telephone number
• Social Security number
• Payment information
• Other personal information

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

• To administer a contest, promotion, survey, or other site feature.
• To present our website and its contents to you.
• To provide you with information, products, or services that you request from us.
• To provide you with notices about your account, 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 website or any products or services we offer or provide through it.
• For any other purpose for which you provide it or with your consent.

We collect your information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
• When you fill out a form or enter information on our site. If you choose to do business with us, we may collect additional information from you.
• If at any time in the future you wish to no longer do business with us, you can opt out of further communications by contacting us via the information at the bottom of this policy.

We use reasonable physical, electronic, and procedural safeguards to protect your information. These safeguards include encryption, website security, and strict access controls, as well as other applicable controls. We restrict access to your information to those within our organization who must use it to provide our products and services to you. Access is monitored and only granted to our employees or partner organizations that have a need to know. We retain the information you provide only as long as needed or required by law.

Pie Insurance reserves the right to share your nonpublic financial information with its affiliates for marketing purposes without getting your prior written consent. The law does not restrict these disclosures. Pie Insurance affiliates include Pie Group Holdings, Inc., Pie Carrier Holdings, Inc., and Pie Casualty Insurance Company.

When you use our website, we use some information that we collect to better provide services to you and to enhance your online experience.

We use cookies

Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. Cookies are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interactions so that we can offer better site experiences and tools in the future.

We use cookies to:

• Keep track of advertisements.
• Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future.
• We may also use trusted third-party services that track this information on our behalf.

We, along with third-party vendors such as Google, use first-party cookies (such as Google Analytics cookies) and third-party cookies or other third-party identifiers to compile data about user interactions with ad impressions and other ad service functions as they relate to our website.

Cookie warnings and turning off cookies

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, look at your browser’s Help menu to learn the correct way to modify your cookies.

If you turn cookies off, some of the features that make the site experience more efficient may not function properly and may affect the user’s experience.

We use web beacons

Pages of our website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Pie Insurance, for example, to count users who have visited those pages or opened an email, and for other related website statistics.

We use Google Analytics on our website

As part of overall performance and effectiveness monitoring, we use Google Analytics to track customer activity, analyze the effectiveness of our website, and to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

For additional information about Google Analytics, read more.

Your browser may include a “do not track” (DNT) setting that signals websites to disable tracking. We honor the request from browsers that support DNT.

We do not sell, trade, or otherwise transfer to outside parties your PII unless we provide you with advanced notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety.

When you provide personal information to us, we may disclose the information you provide as described, with your consent, or to:

• Brokers, agents, and other insurers, to respond to your insurance application.
• Reinsurance companies or claims administrators.
• Insurance regulators or law enforcement officials.
• Lienholders, assignees, lessors, or other persona having a beneficial or legal interest in the policy.
• Others, to prevent fraud, or to respond to a subpoena or search warrant.
• Companies that provide motor vehicle reports, credit reports, or claims history.
• Contractors, service providers, and other third parties we use to support our business, 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.
• For any other purpose disclosed by us when you provide the information.

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.

Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites, nor do these links constitute an endorsement. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

To review and change your personal information, you may send requests to privacy[at]pieinsurance.com

Changes will be made within 30 business days of the request. If a change cannot be made, we will send you a notice explaining why the change will not be completed.

We reserve the right to modify this policy at any time, will change this Privacy Policy when appropriate, and such changes will be effective immediately upon posting to the Privacy Policy page on our website.

Privacy Policy for California Residents

This Privacy Policy for California Residents supplements the information contained in Pie’s Privacy Policy and applies solely to all visitors, users, and others who reside in the state of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Policy.

Information we collect

Our website collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope, like:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) and the California Confidentiality of Medical Information Act (“CMIA”), clinical trial data, or other qualifying research data;
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”) or California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994.

Our website has collected the following categories of personal information from consumers within the last twelve (12) months:

Aggregated and/or Non-Personal Information

We may use and share non-personal, de-identified, pseudonymous, or aggregated information we collect under any of the above circumstances. We may also share it with other third parties to develop and deliver targeted advertising on our site and on websites or applications of third parties, and to analyze and report on advertising you see. We may combine non-personal information we collect with additional non-personal information, collected from information in hashed, non-human readable form, with third parties, including advisors or other business purposes.

Sources we collect from

We collect the personal information above from the following categories of sources, either directly or indirectly:

• Directly:
  • Claims
  • Correspondence
  • Transactions
  • Website
• Indirectly:
  • Agents or brokers
  • Credit bureaus
  • Insurance companies
  • Government agencies
  • Third parties

Use of Personal Information

We use the personal information we collect for one or more of the following purposes:

• To fulfill or meet the reason you provided the information.
• To provide, support, personalize, and develop our website, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments, and to prevent transactional fraud.
• To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites, and via email or text message (with your consent, where required by law).
• To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to develop and improve our website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you with notice.

Sharing personal information

We may share your personal information by disclosing it to a third party for a business purpose. We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except for performing the contract. In the preceding twelve (12) months, Pie Insurance has not disclosed personal information for a business purpose to the categories of third parties indicated in the table above.

In the preceding twelve (12) months, Pie has not sold the following categories of personal information to the categories of third parties indicated below.

• Category 1: Identifiers.
• Category 2: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
• Category 3: Protected classification characteristics under California or federal law.
• Category 4: Commercial information.
• Category 5: Biometric information.
• Category 6: Internet or other electronic network activity.
• Category 7: Geolocation data.
• Category 8: Sensory data.
• Category 9: Professional or employment-related information.
• Category 10: Inferences drawn from other personal information.

In the past 12 months, Pie Insurance Services has shared personal information with the following categories of third parties:

• Affiliates for regulatory reasons.
• Insurance agents, brokers, or other insurers, to respond to your insurance application.
• Reinsurance companies or claims administrators.
• Insurance regulators or law enforcement officials.
• Lienholders, assignees lessors, or other persons having a beneficial or legal interest in the policy.
• Others to prevent fraud, or to respond to a subpoena or search warrant.
• Companies that provide motor vehicle reports, credit reports, or claims history.
• Auto repair shops, medical providers or others providing services covered by your policy.
• Contractors, service providers, and other third parties who require such information to support our business.

Your Rights and Choices

The CCPA provides California consumers with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Know and Data Portability

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (the “right to know”). Once we receive your request and confirm your identity, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you.

Right to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (the “right to delete”). Once we receive your request and confirm your identity, we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities
• Needed to handle any insurance claim or policy inquiry.
• Debug products to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

We will delete or de-identify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.

Exercising Your Rights to Know or Delete

To exercise your rights to know or delete described above, please submit a request by either:

• Calling us at 855-880-0204, Monday through Friday from 9am to 9pm ET
• Submitting a request at pieinsurance.com/privacy/ccpa

Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your personal information.

You may only submit a request to know or delete twice within a 12-month period. Your request to know or delete must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information, or an authorized representative, which may include:
  • Authorized agent contact information (if applicable).
  • Consumer’s relationship with Pie Insurance (e.g. policyholder, claimant, etc.)
  • Matching pieces of personal information maintained by the company in a signed declaration.
  • Written permission for an authorized agent to act on your behalf.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.

We will only use personal information provided in the request to verify the requestor’s identity or authority to make it.

Authorized agents

With the exception of a parent or guardian of a minor or authorized agent with power of attorney pursuant to Probate Code sections 4000 to 4465, consumers will be required to verify their own identity directly with the Pie Insurance and provide written permission for an authorized agent to act on their behalf.

Response timing

We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing. If we are unable to fulfill a request, you will be notified in writing.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you with a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.