Effective Date: 04/01/2023

Welcome to Insuracube Technologies, LLC! We are committed to protecting your privacy and handling your data in an open and transparent manner. This privacy policy provides information on how we collect, use, disclose, and safeguard your information when you visit our website www.insuracube.com and use our services.

1. Information We Collect

• Personal Information: You provide us with personal information about yourself when you register, purchase our services, or interact with our services. This includes but is not limited to your name, contact details, email address, and financial information.
• Derivative Data: Automatically collected information about your browser settings, browsing history, and interactions with our website.
• Sensitive Data: Depending on the services you use, we may collect sensitive information, such as health information or social security numbers.

2. Use of Your Information

Your information helps us to:

• Operate and maintain our services;
• Enhance, personalize, and expand our offerings;
• Communicate for customer service and marketing purposes;
• Analyze use of our services for improvement and development;
• Prevent fraudulent activities.

3. Disclosure of Your Information

• Business Transfers and Partners: We may share your information with business partners like Fika Insurance Group, LLC for direct marketing or service offering purposes.
• Service Providers: Third parties perform services on our behalf including payment processing and data analytics.
• Legal Obligations: If required by law, we may disclose your information in response to legal requests.

4. International Data Transfers

If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including personal data, to the United States and process it there. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

5. Your Rights

You have the right to access, correct, or delete your personal data. You can also restrict processing, object to processing, and, if applicable, the right to data portability.

6. Security Measures

We implement a variety of security measures including encryption and authentication tools to maintain the safety of your personal data.

7. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our services and hold certain information.

9. Policy for Children

Our services do not address anyone under the age of 18 ("Children").

10. Changes to This Privacy Policy

We may update our Privacy Policy periodically. We will notify you of any changes by posting the new Privacy Policy on this page or via email.

11. Marketing Choices

You can opt-out of receiving marketing communications from us at any time by following the unsubscribe links in the emails we send or by contacting us directly.

12. Automated Decision-making and Profiling

We may use automated decision-making processes to improve our service offerings. These processes are designed to make decisions based on the information we have about our users to serve them better. Users have the right to request human intervention, to express their point of view, and to contest any decision made solely on automated processes.

13. Security Breach Notification

In the event of a security breach that may affect your personal data, we will notify you and any applicable regulator of a breach as required by law.

14. Contact Details for Data Protection Issues

If you have any questions or concerns about our use of your personal data, please contact us at (864) 330-2956 or email at info@insuracube.com

15. Terms of Service

Hold Harmless and Indemnity Agreement: You agree to indemnify, defend, and hold harmless Insuracube Technologies, LLC, its affiliates, officers, agents, employees, and partners from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of our services, your violation of this privacy policy or the terms of service, or your violation of any rights of another. This indemnification also extends to our affiliates and partners, including but not limited to Fika Insurance Group, LLC.

16. Governing Law

This policy shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law principles. Additionally, if you reside in California, you may have additional rights granted by the California Consumer Privacy Act (CCPA).