Privacy Policy

1. Introduction

Fnolwise ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website fnolwise.com or communicate with us in connection with our claims intake automation services. Fnolwise provides software services to property and casualty insurance carriers and third-party administrators (TPAs); as a service provider to these entities, we may process claimant information on their behalf pursuant to written agreements with those carrier and TPA clients.

Fnolwise operates as a service provider to P&C insurance carriers and does not act as a financial institution subject to direct Gramm-Leach-Bliley Act (GLBA) obligations in its own right; however, our carrier clients are subject to GLBA and applicable state insurance privacy regulations, and our data handling practices are designed with GLBA principles and state insurance privacy statutes in mind.

2. Information We Collect

2.1 Information You Provide

We may collect information you provide directly to us, such as when you:

• Fill out a contact or pilot request form on this website
• Communicate with us via email or phone
• Subscribe to updates or correspondence from Fnolwise

This information may include your name, email address, phone number, company name, job title, and any other information you choose to provide.

2.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address and approximate geographic location
• Browser type and version
• Pages visited and time spent on each page
• Referring website or source
• Device type and operating system

2.3 Information Processed on Behalf of Carrier Clients

In the course of providing claims intake automation services to our carrier and TPA clients, Fnolwise may process claimant personal information (including names, contact information, and claim-related data) solely on behalf of and under the instructions of those clients. Such processing is governed by our written service agreements with those clients, not this public privacy notice. Claimants with questions about the handling of their information in the context of an insurance claim should contact the relevant carrier or TPA directly.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide information about our services
• Process pilot requests and manage our business relationships with carriers and TPAs
• Send you communications relevant to your interest in Fnolwise (with your consent where required)
• Improve our website and service offerings
• Analyze website usage patterns to enhance user experience
• Comply with applicable legal obligations

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your browsing experience on our website. For more information about our use of cookies, please see our Cookie Policy.

5. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

• Service providers who assist us in operating our website and conducting our business, subject to confidentiality obligations
• Legal authorities when required by applicable law, regulation, or legal process, or to protect our rights and the rights of others
• Business partners or successors in connection with a merger, acquisition, or other corporate transaction, subject to continued privacy protections

We do not share personal information with third parties for their own marketing purposes without your explicit consent.

6. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our service infrastructure is designed with carrier-tenant data isolation controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. State Insurance Privacy Regulations

Several U.S. states have enacted insurance privacy regulations that govern how carriers and their service providers handle nonpublic personal information of insurance applicants, policyholders, and claimants. Fnolwise's data handling practices are designed with those state insurance privacy frameworks in mind. Carriers using Fnolwise's services remain responsible for their own compliance with applicable state insurance privacy laws.

8. Your Rights

Depending on your location and applicable law, you may have the following rights regarding your personal information:

• Right to access and receive a copy of your data
• Right to rectification of inaccurate data
• Right to deletion of your data, subject to applicable legal retention requirements
• Right to restrict or object to certain processing
• Right to data portability where technically feasible

To exercise any of these rights regarding information Fnolwise holds about you in connection with this website, please contact us at [email protected].

9. Third-Party Links

Our website may contain links to third-party websites, including those of integration partners such as Guidewire, Duck Creek, and ISO Services. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies independently.

10. Children's Privacy

Our website is directed to business professionals and is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the revised policy on this page and updating the "Last updated" date. Your continued use of our website after such changes constitutes your acknowledgment of the revised policy.

12. Contact Us

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

Fnolwise
280 Trumbull Street, Suite 1200
Hartford, CT 06103
Email: [email protected]
Phone: +1 (860) 451-6086