Privacy Policy

Introduction

Axle Labs, Inc. ("Axle" or "We") respect your privacy and are committed to protecting it through our compliance with this policy.

Axle makes it easier for you to securely share your insurance data with companies you trust.  These companies in the consumer services space (think rental car companies, lenders) and gig-economy “employers” (think rideshare and food delivery services) that have previously relied on legacy systems, paper, and hours spent on the phone to with insurance carriers to verify insurance for customers and contractors, now have a faster way to verify your information.

This privacy policy describes the types of information we may collect from you when you use our Services (our "Platform") and our practices for collecting, using, maintaining, and disclosing that information.

This policy applies to information we collect:

• On this Platform.
• In email, text, and other electronic messages between you and this Platform.
• Through mobile and desktop applications you download from this Platform, which provide dedicated non-browser-based interaction between you and this Platform.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website, services, or platform operated by Axle or any third party; or
• Any third party, including through any application or content that may link to or be accessible from or through the Platform.

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 Platform. By accessing or using this Platform, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Platform 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 16

Our Platform is not intended for children under 16 years of age. No one underage 16 may provide any personal information to or on the Platform. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Platform or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at hello@axle.insure.

Residents of certain states under 13, 16, or 18 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your State Privacy Rights for more information.

Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information.

To learn more about California residents' privacy rights, visit CCPA PRIVACY NOTICE FOR CALIFORNIA RESIDENTS.

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Platform that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to hello@axle.insure.

To learn more about consumer privacy rights in other states and how to exercise them, view STATE PRIVACY NOTICES below.

Information We Collect About You and How We Collect It

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

• By which you may be personally identified, such as identifiers (e.g., name, postal address, email address, telephone number); login information (e.g., username, password); account and policy information (e.g., carrier name, policy number and type, policy status, insureds, coverage information, policy status, insurance identification cards, declaration pages) (collectively, “Personal Information");
• That is about you but individually does not identify you; and/or
• About your internet connection, the equipment you use to access our Platform, and usage details.

We collect this information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies.
• From third parties, for example, our clients.

Information You Provide to Us  

The information we collect on or through our Platform may include:

• Information that you provide by filling in forms on our Platform. This may include information provided at the time of registering to use our Platform. We may also ask you for information when you report a problem with our Platform.
• 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 Platform.

Information We Collect Through Automatic Data Collection Technologies  

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

• Details of your visits to our Platform, may include traffic data, location data, logs, and other communication data and the resources that you access and use on the Platform.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

We do not respond to Do Not Track request. The information we may collect automatically may 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 Platform 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 Platform according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Platform.

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 Platform. 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 Platform. For information about managing your privacy and security settings for cookies, see Choices About How We Use and Disclose Your Information.

We do not collect personal information automatically, but we may tie non-personal information collected automatically to personal information about you that we collect from other sources or that you provide to us.

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 Platform and its contents to you.
• 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 notify you about changes to our Platform or any products or services we offer or provide through it.
• To allow you to participate in interactive features on our Platform.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

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 and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• 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 Axle's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Axle Labs, Inc. about our Platform 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 End User Terms 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 Axle Labs, Inc. our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Accessing and Correcting Your Information

Under certain state rights, you may have a right to access and correct your information. You may send us an email at hello@axle.insure 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.

Residents of certain states may have additional personal information rights and choices. Please see Your State Privacy Rights for more information.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you by posting on this page and on our platform homepage. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting our Platform and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: hello@axle.insure.

STATE PRIVACY NOTICES

California (see CCPA Notice), Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Montana, Oregon, Tennessee, Texas, Utah, and Virginia provide (now or in the future) their state residents with rights to:

• Confirm whether we process their personal information.
• Access and delete certain personal information.
• Correct inaccuracies in their personal information, taking into account the information's nature processing purpose (excluding Iowa and Utah).
• Data portability.
• Opt-out of personal data processing for:

• targeted advertising (excluding Iowa);
• sales; or
• profiling in furtherance of decisions that produce legal or similarly significant effects (excluding Iowa and Utah).

• Either limit (opt-out of) or require consent to process sensitive personal data.

The exact scope of these rights may vary by state. To exercise any of these rights please send an email to hello@axle.insure.  To appeal a decision regarding a consumer rights request, send an email to hello@axle.insure.

Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request to this designated address: hello@axle.insure. However, please know we do not currently sell data triggering that statute's opt-out requirements.