Privacy Policy

1. Introduction

At JorenIns ("we," "us," or "our"), we are committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile application, or engage with our insurance services.

By using our services, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with our practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us, including:

• Name, address, phone number, and email address
• Date of birth and Social Security number
• Driver's license information
• Vehicle information (make, model, year, VIN)
• Driving history and claims history
• Payment and billing information
• Employment and income information

2.2 Automatically Collected Information

When you interact with our services, we may automatically collect:

• IP address and device information
• Browser type and version
• Operating system
• Website usage data and analytics
• Cookies and similar tracking technologies
• Location data (with your permission)

2.3 Third-Party Information

We may receive information about you from third parties, including:

• Motor vehicle records
• Credit reporting agencies
• Insurance claims databases
• Data enhancement services

3. How We Use Your Information

Specifically, we use your information to:

• Provide insurance quotes and process applications
• Underwrite and issue insurance policies
• Process claims and investigate fraud
• Communicate with you about your account
• Process payments and manage billing
• Improve our services and website functionality
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security
• Send marketing communications (with consent)

4. Data Sharing and Disclosure

4.1 We Do NOT Sell Your Data

4.2 Limited Sharing Scenarios

We may share your information only in these specific circumstances:

• Service Providers: Trusted third parties who help us operate our service (insurance carriers, claims processors, SMS/email providers, analytics tools) under strict confidentiality agreements
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In the event of a merger, acquisition, or sale of assets (with notice to users)
• Protection of Rights: To protect the safety and rights of JorenIns, our users, or the public

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and audits
• Access controls and authentication procedures
• Employee training on data privacy and security
• Secure data centers and infrastructure

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

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

• Provide our services to you
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

Generally, we retain customer data for 7 years after the end of the customer relationship, unless a longer retention period is required by law or regulation.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. These technologies help us:

• Remember your preferences and settings
• Analyze website usage and performance
• Provide personalized content and advertisements
• Detect and prevent fraud

You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our website.

8. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to access personal information
• Right to equal service and price

We do not sell personal information to third parties. To exercise your CCPA rights, please contact us at the information provided below.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will delete such information promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from those of your country. We ensure appropriate safeguards are in place to protect your information during such transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the updated policy on our website or by email. Your continued use of our services after such updates constitutes acceptance of the revised policy.