Privacy policy | Kin Insurance

Last Updated: November 12, 2024

At Kin we believe in maintaining transparency and honesty with our customers regarding the collection, use, and protection of Personal Information, as set forth in more detail below. At Kin, our customers are the heart of everything we do. In that spirit, this privacy policy (“Policy”) outlines how we handle your data.

The references made in this Policy to “Kin” mean Kin Insurance, Inc. and its affiliates, including Kin Risk Management, LLC, Kin Insurance Network Distributor, LLC, Kin Risk Management Nexus, LLC, and Kin Risk National Management, LLC.

This Policy covers any activity relating to personal data at Kin, including the collection, storage, use, consultation, disclosure, sharing and transmission for the purposes described below.

If you access the Kin website or use Kin services, you agree to this Policy. This Policy may change from time to time, and continued use of the website or services after Kin makes changes to this Policy is deemed to be acceptance of those changes. Updates to this Policy will be found on the www.kin.com website.

Collection of data

In general, Kin collects Personal Information to issue insurance policies, to make recommendations of other products and services to you, and to provide support in connection with an insurance policy (for example, where claims are filed or in response to your requests to make changes to policies).

Kin collects personal data provided directly by consumers, such as providing your name and address or when you call us. Kin may also collect personal data about you through your interactions with our information technology resources. In addition, Kin may collect personal data about you from third parties, including government agencies and third parties who provide services to us. Kin will also create records of personal data about you in the course of providing services or products to you, either directly or through our service providers. The Kin website also collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device.

All of this data is considered Personal Information as it relates to individual consumers (“Personal Information”).

Categories of data we collect

In particular, we have collected the following categories of Personal Information from consumers within the last twelve (12) months:

Category	Personal information
Personal Information identifiers	This includes your name, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, telephone number, email address, or other similar identifiers.
Personal characteristics	This includes your name, signature, address, telephone number, insurance policy number, age, date of birth, social security number, drivers license number, financial information. Some Personal Information included in this category may overlap with other categories.
Consumer characteristics	This includes your service or product related information including your policy coverage information, premiums, account name, policy number, payment history, claims history, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies, account log-in, insurance information, driving record and drivers license number for auto insurance, escrow or mortgage details for property and casualty insurance, credit information, or family member information. This may also include products or services purchased, obtained, or considered, or other insurance purchasing or consuming histories or tendencies.
Customer account details and commercial information	This includes insurance products or services you purchased, obtained, or considered, or other insurance-related purchasing or consuming histories or tendencies such as location of your property, records of inspections of your property, records of home improvements related to improvements to protect against extreme weather events, photos of property you submit, and claims and underwriting data related to your property.
Internet usage information	This includes your internet location data, browsing history, search history, information on how you interact with the Kin website and internet advertisements, data associated with property self-inspection software that indicates physical location during home self-inspections, geolocation data collected by claims vendors, and marketing campaigns targeted by ZIP code based on your location of login.
Sensory data including audio recordings of customer calls, electronic, visual, or similar information	This includes audio recordings when you call Kin over the phone, automated summaries of your call center calls, and photos you choose to send us, including photos of your property related to claims.
Inferences drawn from other Personal Information. This may include, but is not limited to: creating a profile about a Consumer reflecting, among other things, the Consumer’s preferences, characteristics, behavior and aptitudes.	Kin may develop inferences about you including associated with Kin’s risk models that incorporate age and demographic of insureds to predict improvements to property values, and driving records related to auto insurance coverage.
Sensitive Personal Information	This includes data you provide to us including customer account log-in, financial account numbers, credit card numbers, any required security or access code, password, or credentials allowing access to an account, precise geolocation information related to claims processing, EIN or social security number of independent vendors to facilitate payments and tax information, and drivers license number related to auto insurance coverage.

Disclosure of your personal information to others

Kin’s corporate affiliates

We may disclose Personal Information to Kin Insurance, Inc.’s corporate affiliates. Such corporate affiliates process Personal Information on our behalf as our service providers, where necessary to provide you with services, or in other circumstances with your consent as permitted or required by law.

Kin’s third-party business partners

We may disclose your Personal Information to business partners that Kin partners with in order to market directly to you, including to provide you with advertising and promotional communications via email, SMS text, social media advertising, or print mail letting you know about products and services, promotions, events, sweepstakes, contests, or similar promotions.

Kin service providers

Kin discloses certain Personal Information to service providers that perform services to support Kin’s essential business functions and operations, including our underwriting processes, determining credit, verifying details of your property, administration and maintenance of our IT systems, sending mail, e-mails, and text messages, analyzing customer data; providing marketing assistance; administering reviews, supporting beacons; processing payments; investigating fraudulent activity; conducting customer surveys; and providing customer service. We require our service providers to provide assurances regarding the protections they will provide for any Personal Information transferred to them, and their compliance with our security requirements, and pursuant to applicable Data Privacy Laws.

Social media sites

Kin.com and other Kin affiliate websites may have features such as plugins and/or other tools made available by social media platforms and networks such as Meta, LinkedIn, X (Twitter), and other networks, that may result in information being collected or disclosed between Kin and such social media platforms. A social media site’s use of your Personal Information is governed by privacy policies of those social media sites and not Kin.

Legal requirements

Kin may disclose your Personal Information in response to subpoenas, warrants, court orders, government inquiries, or investigations; or to comply with relevant laws and regulations. We may also disclose information to establish, exercise, or protect the rights of our company, employees, agents, and affiliates; to defend against a legal claim; to protect the safety and security of our visitors; to detect and protect against fraud; and to take action regarding possible illegal activities or violations of our policies.

Transfer of control

Kin may disclose Personal Information with a third party that buys some, or all, of the assets or stock of Kin and that company may use and disclose Personal Information in accordance with its own privacy policies. Kin may also disclose Personal Information with prospective buyers to evaluate the proposed transaction.

Your rights under applicable data privacy laws

Consistent with applicable jurisdictional laws, rules, or regulations (“Data Privacy Laws”), you may exercise the rights described in this section. These rights will vary depending on your place of residence, such as your home state in the United States.

To submit a correction, access, or deletion request, please contact us at the email address or telephone number listed below, or submit a request form.

To better protect you and your Personal Information, we will only respond to access or deletion requests that we have been able to properly verify through our authentication processes. To verify your identity, you may be asked to provide or verify certain information, which we will only use to verify your identity or authority to make the request.

Right to access your personal information

Under applicable data privacy laws, rules, and regulations (“Data Privacy Laws”), you have the right to request that we disclose certain information about our collection and use of your Personal Information over the past twelve months, including: the categories of Personal Information collected about consumers; the specific pieces of Personal Information we have about you; the categories of sources from where Personal Information was collected; the business purpose for collecting the Personal Information, and the categories of third parties with whom we share Personal Information.

Right to correct

Under the Data Privacy Laws, you have the right to request that we correct any Personal Information that is inaccurate.

Right to deletion of personal information

Under the Data Privacy Laws, you have the right to request we delete the Personal Information we collected, with certain exceptions. We will delete your Personal Information in response to a verifiable request unless needed for the following: To comply with regulatory data retention obligations under U.S. state insurance laws, rules, and regulations; to complete a transaction for which we collected the Personal Information, to provide a good or service you requested, to take actions reasonably anticipated within the context of our ongoing business relationship with you, or to otherwise perform our contract with you, including to provide you with an insurance quote, policy, or claim; to detect security incidents, to protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities; to debug products to identify or repair errors that impair functionality; to exercise free speech ensure or the right of another consumer to exercise their free speech rights, or exercise another right provided for by law; to enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us; to comply with any other legal obligation, including compliance with the California Electronic Communications Privacy Act; or otherwise use your Personal Information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Sharing and sale of your personal information

Right to opt out of sale/sharing

Kin uses online tracking technologies, pixels and cookies which may be considered a “sale” or “sharing” under applicable Data Privacy Laws. Under applicable Data Privacy Laws, you have the right to opt out of such “sale” or “sharing” of your Personal Information. Kin also may engage in “sale” or “sharing” of Personal Information with its business partners under applicable Data Privacy Laws. Visitors to the kin.com website and other Kin affiliate sites can opt out of “sale” or “sharing” by clicking the “Do Not Sell Or Share” link at the bottom of our website www.kin.com/privacy/sharing and selecting your preferences.

Note that some browsers and browser extensions have incorporated global privacy control (GPC) preference signals, and if you are located in a jurisdiction that requires recognition of such GPC signals, we will recognize GPC signals as an opt out. To download and use a browser supporting the GPC browser signal, click here: https://globalprivacycontrol.org/orgs. If you choose to use the GPC signal, you will need to turn it on for each supported browser or browser extension you use.

For marketing purposes

Kin uses marketing practices which may be considered a “sale” or “sharing” under applicable Data Privacy Laws. Kin may obtain your information from businesses that we partner with, including those marketing partners that provide information to Kin related to consumers interested in specific types of insurance, or are interested in obtaining quotes for insurance products and services offered by Kin, including via paid click leads and data leads from partner sources. We also purchase consumer information from business partners to target consumers who may be interested in purchasing insurance products and services, including from paid digital advertising and other third party business partners. We may also create information about you based on our analysis of Personal Information we have collected from you. We also share Personal Information with third parties that provide marketing services to Kin to market Kin products and services to you for marketing purposes. If you interact with these business partners, including by requesting a quote for insurance, we receive information about you that you intentionally disclose to those partners, including name, address, information about your real or personal property, and other Personal Information.

To provide services to you

Additionally, Kin shares Personal Information with our business partners in order to provide services to you, and where you have authorized us to share specific Personal Information, such as payment information with payments processors, including credit card numbers and expiration dates, mortgage information, or financial account numbers, based upon your direction to Kin to share such information in connection with providing services to you. We may also share and obtain information about you with our business partners for data analysis purposes, fraud prevention, vendors that provide services on our behalf, or publicly available sources.

Your do not sell/share privacy choices

If you would like information about opting out of certain sale or sharing of your Personal Information with third parties, or would like to opt out of sale or sharing of your Personal Information, please contact us at the address or telephone number below, or visit www.kin.com/privacy/sharing.

Cookies and related technologies

Like many other websites, our websites may use cookies or related technologies such as pixels, pixel tags, web beacons, links in emails, IDs assigned by Meta, Google, or Apple, or other device IDs. Cookies and related technologies provide information to Kin and third parties related to your visits to our website including patterns about your visits. Kin and third parties use this information to deliver online and mobile advertisements, messages and content to you that are tailored to your interest in our products and services. In particular, we use tools such as Google Analytics and FullStory for analytics to help us understand how our customers use our websites. We also partner with Kustomer.io which supports our chat platform. We may use Kustomer.io chat functionality for sharing dynamic content for authenticated users.

More on cookies

When you visit our website, our partners’ websites, or interact with our advertising, even when you visit anonymously, cookies and related technologies may be used as follows:

To match your visits to websites or advertising with your Personal Information you have provided to us or that we have otherwise obtained from a third-party about you in order to market directly to you, including to provide you with advertising and promotional communications via email, SMS text, social media advertising, or print mail letting you know about Kin’s products and services, promotions, events, sweepstakes, contests, or similar promotions.
To track your response to our website, ads, or other content for analysis, including to assist us in providing a website and customer portal and related services to you.
To help us and third parties communicate with you and provide you with relevant content that is responsive to your interests in our products and services.
To collect non-personal statistical information that does not individually identify you. This includes non-personal statistical information about your internet connection, the equipment that you use to access our Services, and how you use our Services.
To remember your name or password for future visits to our sites.
To remember your digital preferences.
To ensure that you obtain information that you request from us.

Cookies and related technologies include the following:

Essential Cookies – Essential cookies are necessary for Kin’s website to work, and enable you to move around it and use its services and features. Disabling these Cookies may make the services and features unavailable.
Functional Cookies – Kin uses functional cookies to save your settings on our website and related digital properties including your language preference or account information. Some Functional Cookies may also be essential to viewing digital content on our site, such as videos.
Advertising and Analytics Cookies – These types of cookies allow us and third parties to know when you visit our websites and advertising, and to understand how you interact with emails or advertisements, including through non-Personal Information (e.g., your operating system, your browser version, and the URL you came from). We also use Advertising and Analytics Cookies and tracking pixels to target you for digital advertising including through our third party marketing partners such as Google and Meta, and with print media partners to send via print media to your physical mailing address, even where you browse our websites as an anonymous user.

Kin’s use of advertising and analytics

Kin partners with certain third-party service providers to collect information to engage in analytics, auditing, research, and reporting. These third parties may use server logs, web beacons, tags, pixels, and similar technologies, and they may set and access cookies on your computer or other device. We also partner with third parties to provide advertising services that are targeted based on your online activities across websites, mobile apps, and devices over time (commonly referred to as “interest-based advertising”). Specifically:

Our advertising partners may collect information about your activities on our website via your current device and combine it with information about your activities on other websites, mobile apps, and devices. They may collect such information using server logs, cookies, web beacons, tags, pixels, mobile advertising IDs (such as Meta Cookies or Google's Advertising ID), cross-device linking, and similar technologies. For example, our advertising partners may use the fact that you visited our website to target advertising to you on other websites and mobile apps on your current device or on other devices you use. They may match your browsers or devices if you log into the same online service on multiple devices or if your devices share similar attributes that support an inference that they are used by the same person or household. This means that information about your activity on websites or apps on your current browser or device may be combined and used with information collected from your other browsers or devices.
We collect this information directly from you when you provide it to us and automatically as you navigate through and interact with our website and the websites, apps or other digital properties such as social media platforms. Information collected this way includes: details of your visits to our website, including traffic data, location data, logs, other communication data, and the resources that you access and use on the website; and information about your computer and internet connection, including your IP address, operating system, browser type, browser information, type and version of operating system, type of device, browser engine layout, system architecture, applications and other details.
The technologies we use for this automatic data collection of usage information may include: Cookies or browser cookies, pixel tags and web beacons, and device identifiers. Some apps or extensions might include additional identifying information if browsing from inside a web-based application or browser with special modes.
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 us, for example, to count users who have visited those pages or opened an email. We may also use these web beacons for other related website statistics (e.g., recording the popularity of certain content and verifying system and server integrity).

Managing cookies and other technologies

If you want to remove or block cookies from your device at any time, you can update your browser settings (consult your browser's "help" menu to learn how to remove or block cookies). KIn is not responsible for your browser settings. You can find instructions on how to manage cookies on the different types of web browsers at www.allaboutcookies.org.

Please be aware that rejecting cookies may affect your ability to perform certain transactions on our website, and our ability to recognize your browser from one visit to the next.

Analytics and interest-based advertisements

For more information about interest-based advertising and cross-device linking, please visit the Network Advertising Initiative (“NAI”) website and the Digital Advertising Alliance (“DAA”) website. You may opt out of interest-based advertising and cross-device linking in web browsers and mobile apps on your current browser or device by following the instructions.

Web browser opt-out

To opt out in web browsers, please visit:

http://optout.aboutads.info/

and

http://optout.networkadvertising.org.

Please note that the opt-outs will apply only to the specific browser or device from which you opt out, and therefore you will need to opt out separately on all of your browsers and devices. If you delete or reset your cookies or mobile advertising identifiers, change browsers (including upgrading certain browsers), or use a different device, any opt-out cookie or tool may no longer work, and you may need to opt out again.

Your cookie/pixel privacy choices

If you would like information about opting out of cookie and pixel tracking technology, please contact us at the address or telephone number below, or visit www.kin.com/privacy/sharing.

Security of personal information

Kin is committed to protecting your Personal Information. We have measures in place to prevent personal data from being lost, or from being used or accessed in an unauthorized way. We have policies in place that regulate how our employees and contractors must handle data, including personal data about you. We limit access to our computer networks, and take steps to safeguard against unauthorized access to such networks. We have procedures in place to manage any suspected data security breach and will notify you and any applicable regulator of a suspected data security breach consistent with legal requirements.

Children and minors

We do not knowingly collect Personal Information directly from individuals under 18 years of age. Kin’s services are not intended for individuals under 18 years of age. No one under 18 years of age should submit or post Personal Information through our website.

Changes to this policy

Kin updates this Policy when necessary in response to changes in our data collection or processing practices or policies, changes to our products or services, or other changes to our business practices. If we make changes, we will post the revised policy here, and will change the “Last updated” date at the top of this Policy, so that you can see what information we gather, how we might use that information, and in what circumstances we may disclose it. If there are material changes to this Policy, we will notify you by prominently posting a notice of such changes before they take effect on our website.

How to contact us

You can contact us as follows:

Website

www.kin.com/privacy/sharing

By email

privacy@kin.com

By telephone

Toll-free: 855-717-0022