Last Modified: Sept, 28 2023
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, and Kin Risk Management Nexus, 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.
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”).
In particular, we have collected the following categories of Personal Information from its consumers within the last twelve (12) months:
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.
This includes your name, signature, address, telephone number, insurance policy number, age, financial information Some personal information included in this category may overlap with other categories.
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.
Kin also may 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. We refer to this information as “Usage Information.” This information allows us to optimize the Services to the internet connections and equipment that are used to visit the Kin website.
Kin may disclose your personal information to our affiliates and service providers for the purposes set out herein. For example, using service providers may be necessary for the administration and maintenance of our IT systems. We may also transfer information, including your personal information, to third parties necessary to fulfill the purposes set out above, such as providing products or services to you that you requested. For example, we send your personal information to underwriters of insurance products we provide. We require our service providers to provide assurances regarding the protections they will provide for any personal data transferred to them, and their compliance with our security requirements. In certain circumstances, we share or are obliged to share your personal data with third parties for the purposes described above and in accordance with applicable data protection laws. These third parties include regulatory authorities, auditors and legal advisors, industry self-regulatory bodies, and others where permitted by law. We may also share information with Kin’s corporate affiliates, subsidiaries and service providers in order to provide you with products or services, or to provide information you have requested.
Kin does not disclose your personal data to non-affiliated third parties for those third parties’ direct marketing purposes, nor do we sell your personal data. We may share your personal data with third parties that provide marketing services to Kin to market Kin products and services to you via email and for digital and print marketing purposes. If you would like information about opting out of other discretionary sharing of your personal information with third parties please contact us at the address or telephone number below.
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. To submit an access or deletion request, please contact us at the address or telephone number listed below.
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 will be asked to provide certain information, which we will only use to verify your identity or authority to make the request.
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 complete a transaction for which we collected the personal information, provide a good or service you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities; Debug products to identify or repair errors that impair functionality; Exercise free speech ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law; Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us; Comply with a 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.
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 premises and to our computer networks, and take steps to safeguard against unauthorized access to such premises and 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.
We do not knowingly collect personal information directly from individuals under 18 years of age. Our 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 Services.
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.
You can contact us as follows: