Privacy Policy

Last modified: March 1, 2021

Introduction

Spot Insurance Inc, a Delaware corporation (“Spot,” “Company” or ”We”), respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit our websites, including but not limited to www.getspot.com (our “Website”) or otherwise use or access our services, and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

  • On our Website and applications, including your access of the website through mobile devices.

  • In email, text, and other electronic messages between you and our Website.

  • In any other manner in which you provide it to us.

  • From our third-party partners through which you sign up for our services.

  • From insurers or medical providers in accordance with law.

  • Through mobile and desktop applications you download, which provide dedicated non-browser-based interaction between you and our Website and services.

  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
     

It does not apply to information collected by:

  • Us offline or through any other means, including on any other website operated by any third party (including our affiliates and subsidiaries); or 

  • Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website or access our services. By accessing or using our Website or services, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of our Website or services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

Our Website and services are not intended for children under 13 years of age. No one under age 13 may provide any information to us. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on our Website or services, or through any of their features, or register for our services, make any purchases through the Website, use any of the interactive or public comment features of our Website, or provide any information about yourself to us through our applications, Website or partners, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website and services, including information:

  • By which you may be personally identified, such as name, postal address, e-mail address, physical address, telephone number, government-issued ID, date of birth and social security number (“personal information”);

  • Medical information for the purpose of providing claims services to you in accordance with law.

  • That is about you but individually does not identify you; and/or

  • About your internet connection, the equipment you use to access our Website and services, and usage details.

We collect this information:

  • Directly from you when you provide it to us.

  • Automatically as you navigate through the site and use our services. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.

  • From third parties, for example, our business partners through whom you sign up for our services.

Information You Provide to Us  

The information we collect on or through our Website and services may include:

  • Information that you provide by filling in forms on our Website or applications. This includes information provided at the time of registering to use our Website or applications, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website or services.

  • Records and copies of your correspondence (including email addresses), if you contact us.

  • Your responses to surveys that we might ask you to complete for research purposes.

  • Details of transactions you carry out through our Website and services and of the fulfillment of your orders. You may be required to provide financial information before placing an order for our services.

  • Your search queries on the Website and applications.

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website and applications, on our social media accounts, or transmitted to other users of the Website and applications or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of our services and social media accounts with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies  

As you navigate through and interact with our Website and services, we may use automatic data collection technologies to collect and store certain information about your equipment, browsing actions, and patterns, including:

  •  Details of your visits to our Website and applications, your activities there (“site session”), including where you navigated and what actions you took, traffic data, location data, logs, and other communication data and the resources that you access and use on the Website and applications.

  • Information about your computer, device and internet connection, including your IP address, operating system, mobile device ID and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

The information we collect automatically may only be statistical data and may not include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and services and to deliver a better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.

  • Store information about your preferences, allowing us to customize our services according to your individual interests.

  • Speed up your searches.

  • Recognize you when you return to our Website or applications.

  • Learn who customers use our Website or services.

The technologies we use for this automatic data collection may include: 

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. 

    • Local Storage. Certain features of our Website may use your browser’s “local storage” to collect and store information about your preferences and navigation to, from, and on our Website. The local storage object stores the data with no expiration date. The data will not be deleted when the browser is closed, but may be deleted through your browser settings at any time.

  • Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

  • Web Beacons. Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

  • To present our Website and services to you.

  • To enable you to receive the services.

  • To provide you with information, products, or services that you request from us.

  • To fulfill any other purpose for which you provide it.

  • 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 meet our regulatory requirements. 

  • To notify you about changes to our Website or any products or services we offer or provide.

  • To allow you to participate in interactive features on our Website and services.

  • In any other way we may describe when you provide the information.

  • For any other purpose with your consent.

We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you. For more information, see Choices About How We Use and Disclose Your Information.

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

  • To our subsidiaries and affiliates.

  • To contractors, service providers, and other third parties we use to support our business.

  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Spot’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Spot about our users is among the assets transferred.

  • To fulfill the purpose for which you provide it. 

  • For any other purpose disclosed by us when you provide the information.

  • With your consent.

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.

  • To enforce or apply our Terms of Use and other agreements, including for billing and collection purposes. 

  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Spot, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

  • To our payment processor in the event of a payment dispute or other payment-related inquiry

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information: 

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. When you disable cookies, most browsers will also disable local storage (for more specific information please see your browser’s settings). To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

  • Promotional Offers from the Company. If you do not wish to have your contact information used by the Company to promote our own or third parties’ products or services, you can opt-out by checking the relevant box located on the form on which we collect your data or at any other time by sending us an email stating your request to admin@lifebyspot.com.  If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to the Company as a result of a product purchase, warranty registration, product service experience or other transactions.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at admin@lifebyspot.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from our Website or applications, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other users. Proper access and use of information provided on the Website and applications, including User Contributions, is governed by our Terms of Use.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights below for more information.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website or services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website or services. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website or applications.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and services and this privacy policy to check for any changes.

Your California Privacy Rights

This notice should be read together with our Terms and applies to all California residents who use our service.

Under the California Consumer Privacy Act (“CCPA”), California consumers have the following rights, which can be exercised directly or in certain cases, through an authorized agent:

Right to Know. The right to request information about the categories and sources of personal information we collect, our purposes for collecting the information, and the types of third parties that receive that information. In addition, California residents have the right to request a copy of their personal information, and may exercise this right once per 12-month period by clicking here or calling us at 512-813-0671.

Right to Delete. The right to request that we delete some or all of the personal information that we have about the California resident. Deleting all data will typically require the deletion of the user account, along with all content. Notwithstanding the foregoing, we may retain information for regulatory purposes, to honor opt-outs, prevent fraud, spam, and other abuse, comply with our legal obligations, cooperate with law enforcement, and to exercise and defend our rights. California residents may request the deletion of information by clicking here or calling us at 512-813-0671.

Do Not Sell. The right to opt out of the sale of personal information, and to request information about whether we have sold the California resident’s personal information in the past 12 months. We do not sell personal information, and we have not done so in the past 12 months. If we begin to do so, we will update this notice prior to doing so and provide a mechanism to opt out of any such sale.  

Non-Discrimination. We won’t discriminate against anyone who exercises any rights herein.


To exercise the right to know and delete, we must be able to verify the California resident’s identity as the owner of the information. We may not be able to fulfill requests until we can do so. In general, we verify identity by confirming the owner of the email address associated with the account. Although it is not necessary to have an account to submit a request, we may not be able to locate certain information to process these requests where there is no account associated with the information.

Personal Data Collection and Purposes of Use – California Residents
We did not sell any consumers' personal data in the preceding 12 months.  

We collect, use and share personal data regarding California residents as described in the table below.

We did collect and share information in the following categories as described in this Privacy Policy and below: