Privacy Policy

1. Introduction

ClearClaims ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our flood insurance claims management platform in connection with the National Flood Insurance Program (NFIP) and Federal Emergency Management Agency (FEMA) requirements.

2. Information We Collect

Personal Information

• Contact information (name, email address, phone number, mailing address)
• Government-issued identification numbers (as required for NFIP claims)
• Policy and claim information
• Property information (address, type, year built, etc.)
• Financial information (bank account details for payment processing)

Claim-Related Information

• Flood damage photos and videos
• Property inspection data
• Loss descriptions and dates
• Damage estimates and repair documentation
• Communication records with adjusters

Technical Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Cookies and similar tracking technologies

3. How We Use Your Information

• Claims Processing: To process and manage your NFIP flood insurance claim
• Communication: To contact you regarding your claim status and required documentation
• Compliance: To comply with FEMA and NFIP reporting requirements
• Service Improvement: To analyze and improve our platform functionality
• Fraud Prevention: To detect and prevent fraudulent claims
• Legal Obligations: To comply with legal requirements and respond to lawful requests

4. Information Sharing and Disclosure

We share your information with:

• FEMA and NFIP: As required for flood insurance claims processing and program compliance
• Insurance Carriers: Write Your Own (WYO) program insurers managing your policy
• Claims Adjusters: Licensed professionals assigned to evaluate your claim
• Service Providers: Third-party vendors who assist in claims processing (e.g., inspection services, payment processors)
• Legal Authorities: When required by law or to protect our legal rights

We do not sell your personal information to third parties.

5. Data Retention

We retain your personal information for as long as necessary to:

• Process and resolve your claim
• Comply with NFIP record-keeping requirements (minimum 7 years)
• Comply with legal and regulatory obligations
• Resolve disputes and enforce our agreements

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Access controls and authentication requirements
• Regular security assessments and updates
• Employee training on data protection
• Incident response procedures

For detailed information about our security practices, please see our Data Security page.

7. Your Rights

You have the right to:

• Access your personal information
• Request corrections to inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Object to certain processing activities
• Receive a copy of your data in a portable format
• Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information in the Contact section below.

8. Children's Privacy

Our platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our platform and updating the "Last Updated" date.

10. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

For general support inquiries, visit our Support page.

11. NFIP-Specific Disclosures

As a platform supporting NFIP claims processing, we are subject to FEMA oversight and must comply with federal regulations regarding flood insurance data. Your claim information may be shared with FEMA for program administration, statistical analysis, and fraud detection purposes as authorized by the National Flood Insurance Act.