Privacy Policy

DriveShield Insurance, Inc. ("DriveShield," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at driveshield.com, use our mobile application, or purchase or manage an insurance policy through us (collectively, the "Services"). Please read this policy carefully. By using our Services, you agree to the practices described here.

1. Information We Collect

1.1 Information You Provide Directly

We collect information you provide when you use our Services, including:

• Personal Identification: Full name, date of birth, gender, marital status, and Social Security Number (required for certain underwriting processes)
• Contact Information: Mailing address, email address, and phone number
• Vehicle Information: Make, model, year, VIN, registration details, and usage information
• Driver Information: Driver's license number, state, years licensed, and driving history
• Payment Information: Credit card numbers, bank account details, and billing address (processed securely through Stripe; we do not store full card numbers)
• Claims Information: Details of accidents, damage descriptions, photos, police reports, and related communications
• Communications: Messages you send us via email, chat, phone, or contact forms

1.2 Information Collected Automatically

When you access our website or app, we automatically collect certain technical information, including:

• IP address, browser type, and operating system
• Pages visited, time spent, and links clicked
• Device identifiers and mobile network information
• Cookies and similar tracking technologies (see Section 6)
• Geolocation data (if you grant permission)

1.3 Information from Third Parties

We may receive information about you from third parties, including:

• Motor vehicle records and driving history reports from state DMV databases
• Credit-based insurance scoring (where permitted by state law)
• Claims history from insurance industry databases (e.g., CLUE Reports)
• Identity verification services
• Publicly available data sources

2. How We Use Your Information

We use the information we collect for the following purposes:

• Providing Services: To process your insurance application, issue policies, handle claims, and manage your account
• Underwriting: To assess risk, calculate premiums, and determine eligibility for coverage
• Communication: To send policy documents, billing statements, service updates, and respond to your inquiries
• Legal Compliance: To comply with applicable insurance regulations, state laws, and legal obligations
• Fraud Prevention: To detect, investigate, and prevent fraudulent claims and unauthorized account access
• Service Improvement: To analyze usage patterns and improve our products, website, and customer experience
• Marketing: To send promotional communications about our products and services (you may opt out at any time)
• Analytics: To understand how customers find and use our services

3. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• Reinsurance Partners: We share policy information with reinsurance partners who provide financial backing for our insurance products
• Service Providers: We engage third-party vendors for payment processing, identity verification, claims management, IT infrastructure, and marketing analytics. These vendors are contractually required to protect your data
• Regulatory Requirements: We may disclose information to state insurance regulators, law enforcement, or other government authorities when required by law
• Legal Proceedings: We may disclose information to defend against legal claims or comply with court orders
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity
• With Your Consent: We may share your information for other purposes with your explicit consent

4. Data Security

We take the security of your personal information seriously and implement industry-standard safeguards, including:

• 256-bit SSL/TLS encryption for all data transmitted between your device and our servers
• PCI-DSS compliance for all payment processing
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Strict access controls ensuring only authorized personnel access sensitive data
• Encrypted data storage with regular backup procedures

Despite these measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but will notify you promptly in the event of a data breach affecting your information, as required by applicable law.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Specifically:

• Policy records are retained for at least 7 years after policy expiration, as required by insurance regulations
• Claims records are retained for at least 10 years
• Marketing communications opt-out records are retained indefinitely
• Account information for inactive accounts is deleted after 3 years of inactivity

6. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar technologies to enhance your experience on our website. These technologies collect information about your browsing behavior, preferences, and interactions with our site. You can manage cookie preferences through your browser settings, though disabling certain cookies may affect site functionality. We use:

• Essential Cookies: Required for the website to function (cannot be disabled)
• Analytics Cookies: Help us understand website usage (e.g., Google Analytics)
• Marketing Cookies: Used to deliver relevant advertising
• Preference Cookies: Remember your settings and preferences

7. Your Privacy Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information (subject to certain exceptions)
• Portability: Request your data in a machine-readable format
• Opt-Out of Marketing: Unsubscribe from promotional emails at any time via the unsubscribe link in any email
• California Residents (CCPA): Additional rights including the right to know about data sales (we do not sell data) and non-discrimination for exercising privacy rights

To exercise any of these rights, contact us at privacy@driveshield.com or call 1-800-DRIVESHIELD. We will respond within 30 days.

8. Children's Privacy

Our Services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover we have inadvertently collected information from a minor, we will delete it promptly. If you believe a child has provided us with personal information, please contact us immediately.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the new policy on our website and sending an email notification to your registered address at least 30 days before changes take effect. Your continued use of our Services after the effective date constitutes acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Team:

• Email: privacy@driveshield.com
• Phone: 1-800-DRIVESHIELD (Mon–Fri, 8am–8pm EST)
• Mail: DriveShield Insurance, Inc., Attn: Privacy Officer, 1250 Insurance Blvd, Suite 400, Dallas, TX 75201