Privacy Policy

ShoutFlood ("Company," "we," "us," "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and otherwise process your information, including personal information, in connection with our website, mobile application, and flood insurance quote services (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using ShoutFlood's Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

1. Information We Collect

Information You Provide Directly

• Quote Request Information: When you request a flood insurance quote, we collect your name, email address, phone number, property address, property details (square footage, year built, construction type), occupancy status, and current insurance information.
• Account Information: If you create an account, we collect login credentials, communication preferences, and saved properties or quotes.
• Communication Information: When you contact us via email, phone, chat, or contact forms, we collect the content of your communications, correspondence metadata, and any attachments.
• Payment Information: If applicable, we collect billing address, payment method information (processed securely through third-party payment processors), and transaction history.

Information Collected Automatically

• Device and Browsing Information: IP address, browser type, operating system, referring URL, pages visited, time spent on pages, and click patterns.
• Location Data: We may collect general location data (city, state, ZIP code) to provide location-relevant insurance information.
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies for functionality, analytics, and marketing purposes.

Information from Third Parties

• Insurance carriers and brokers with whom we partner to provide quote information.
• Credit bureaus, flood zone mapping services, and property databases for accurate underwriting information.
• Analytics and marketing partners who provide aggregate, de-identified information.

2. How We Use Your Information

We use collected information for the following purposes:

• Providing Services: Processing quotes, managing accounts, delivering flood insurance comparisons, and customer support.
• Legal Compliance: Meeting regulatory requirements of flood insurance laws, state insurance regulations, and anti-fraud obligations.
• Communications: Sending quote confirmations, policy updates, service announcements, and educational content about flood insurance.
• Marketing: With your consent, sharing flood insurance tips, rate updates, and relevant industry news via email or SMS.
• Analytics and Improvement: Understanding how users interact with our Services to improve functionality, user experience, and content.
• Fraud Prevention: Detecting and preventing fraudulent quote requests, unauthorized access, and policy abuse.
• Personalization: Tailoring recommendations, content, and quote options based on your property characteristics and preferences.

3. Information Sharing and Disclosure

We Share Information With:

• Insurance Partners: Licensed insurance carriers, brokers, and agents to provide accurate quotes and deliver insurance products.
• Service Providers: Technology vendors, payment processors, hosting providers, analytics companies, and customer support platforms. All service providers are contractually bound by confidentiality obligations.
• Legal Requirements: Law enforcement, regulatory agencies, and court orders when required by law.
• Business Transfers: In the event of merger, acquisition, bankruptcy, or asset sale, your information may be transferred as part of the transaction.
• With Your Consent: We share information with third parties only with your explicit consent for specific purposes.

Information We Do NOT Share

We do not sell or rent your personal information to marketers, data brokers, or unaffiliated third parties for their independent marketing purposes. We do not share financial account information or Social Security numbers with any party except as legally required.

4. Data Security

ShoutFlood employs industry-standard technical, administrative, and physical safeguards to protect your information, including:

• SSL/TLS encryption for data in transit between your device and our servers.
• Encryption of sensitive personal data at rest in our databases.
• Role-based access controls limiting employee access to personal information.
• Regular security audits, vulnerability assessments, and penetration testing.
• Secure password policies and multi-factor authentication where applicable.
• Employee training on data privacy and security protocols.
• Incident response procedures to address data breaches promptly.

No method of transmission over the internet is 100% secure. While we implement strong security measures, we cannot guarantee absolute protection. You use our Services at your own risk, though we commit to maintaining reasonable safeguards.

5. Your Privacy Rights

Access and Portability

You have the right to request a copy of personal information we hold about you, in a portable, machine-readable format where applicable.

Correction

You may request correction of inaccurate personal information. You can often update information directly in your account settings.

Deletion

You may request deletion of your personal information, subject to legal retention requirements and our need to maintain records for insurance and regulatory purposes.

Marketing Communications

You may opt-out of marketing emails by clicking the "unsubscribe" link in any email or updating preferences in your account. You may opt-out of SMS messages by replying "STOP."

Cookies and Tracking

You can control cookies through browser settings. Note that disabling cookies may limit functionality of our Services.

Exercising Your Rights

To exercise any of these rights, contact us at privacy@shoutflood.com with your request. We will respond within 30 days or as required by applicable law. We may require verification of your identity before processing requests.

6. Children's Privacy

ShoutFlood Services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will promptly delete such information and notify the parent or guardian.

7. Retention of Information

We retain personal information for as long as necessary to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. Typically, we retain quote request information for 7 years to comply with state insurance regulations. You may request deletion subject to these legal requirements.

8. Third-Party Links

Our Services may contain links to third-party websites and services not operated by ShoutFlood. This Privacy Policy does not apply to third-party services, and we are not responsible for their privacy practices. Please review their privacy policies before providing information.

9. International Data Transfers

If you are located outside the United States, please be aware that your information may be transferred to, stored in, and processed in the United States, where data protection laws may differ from your home country. By using our Services, you consent to such transfers.

10. Updates to This Privacy Policy

ShoutFlood may update this Privacy Policy periodically to reflect changes in practices, technology, or legal requirements. We will notify you of material changes by posting the updated policy with a new "Last Updated" date. Your continued use of our Services following such notification constitutes acceptance of the updated Privacy Policy.

11. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or wish to exercise your privacy rights, please contact us:

• Email: privacy@shoutflood.com
• Mailing Address: ShoutFlood, Inc., Privacy Department, [Street Address], [City, State, ZIP]
• Phone: 1-800-SHOUT-FLOOD (1-800-746-8835)

We aim to resolve any privacy concerns promptly and will respond to requests within 30 days.