This Privacy Policy ("Policy") explains how SettleYourClaim, together with its owners, subsidiaries, affiliates, successors, and assigns ("SettleYourClaim," "we," "us," or "our"), collects, uses, retains, discloses, and protects information in connection with our websites, web and mobile applications, application programming interfaces, software, tools, reports, and all related products, features, and services, whether now existing or later developed (collectively, the "Services"). This Policy applies to all users and all uses of the Services, whether you use them for your own insurance claim, on behalf of a household member, in the course of a licensed profession, on behalf of a client or other party you are authorized to represent, or otherwise. It is incorporated into and part of our Terms of Service. By accessing or using the Services, you acknowledge this Policy; where your consent is required by applicable law, using the Services indicates that consent.
Because the Services process insurance-claim materials, the information involved can be sensitive and can include information about people other than the user. This Policy is written to cover the full range of information we may handle now or in the future; not every practice described will apply to every user or every feature.
"Personal Information" means information that identifies, relates to, describes, or could reasonably be linked with a particular individual or household. "Your Content" means the documents, files, images, and information you or anyone using your account submits to the Services. "De-Identified Data" means information that has been processed so that it does not identify, and cannot reasonably be used to identify, any individual, household, or specific claim. "Professional User" means a user who uses the Services in the course of a trade, business, or profession. "Third-Party Materials" means Your Content that belongs to, concerns, or contains information about a person other than the user.
We collect information (a) directly from you, when you register, upload materials, enter information, purchase, or communicate with us; (b) automatically, through your use of the Services and through cookies and similar technologies; and (c) from third parties, such as our payment processor (confirmation of payment) and authentication providers you choose to use to sign in. Professional Users provide information about third parties when they upload Third-Party Materials.
We do not sell your Personal Information, we do not share it for cross-context behavioral advertising, and we do not disclose your claim documents to insurers, data brokers, or advertisers.
Where data-protection laws require a legal basis for processing, we rely, as applicable, on: performance of our contract with you (to provide the Services you request); our legitimate interests (to operate, secure, improve, and develop the Services, and to create De-Identified Data), balanced against your rights; your consent (where we ask for it, which you may withdraw); and compliance with legal obligations. Where you submit Third-Party Materials, you are responsible for having a lawful basis and any required authorization to do so.
The Services use automated systems, including artificial-intelligence models, to analyze your documents and generate Outputs. Document text and claim details you provide are transmitted to our AI provider(s) (currently Anthropic) via a commercial API for processing. Under that API's commercial terms, your data is not used to train the provider's models. Outputs are generated for you and stored in your account so you can access them. AI-generated content can be inaccurate or incomplete; see our Terms of Service for your responsibility to verify Outputs.
To make the Services more useful for everyone, we create, retain, and use aggregate, De-Identified Data and statistics derived from Your Content and your use of the Services — for example, how often a particular coverage decision, endorsement, exclusion, statutory issue, or scope or claim-handling pattern appears across claims for a given carrier or vendor. These aggregates hold only categorical information (such as “wear-and-tear exclusion cited: 12”). Before anything is added to this shared knowledge, identifying details — names, addresses, claim and policy numbers, dollar amounts, and verbatim text from your documents — are removed, so the shared data cannot reasonably be traced back to you, to an insured, to a claimant, or to a specific claim. We maintain and use De-Identified Data in de-identified form, do not attempt to re-identify it, and may use and disclose it for any lawful purpose, including improving our analysis and drafting and building current or future products. We do not sell your actual documents, and we never share them with insurers, data brokers, or advertisers. Because these statistics are aggregate and de-identified, they cannot be singled out and removed for an individual after the fact; if you delete your account, new observations stop being recorded.
We and our providers use cookies, local storage, and similar technologies to keep you signed in, remember preferences, secure the Services, prevent abuse, and understand usage. Some are strictly necessary for the Services to function; others help us operate and improve them. You can control cookies through your browser settings, though disabling some may affect functionality. We do not use cookies to serve you third-party targeted advertising.
We disclose information only as described in this Policy, including:
| Provider | Purpose |
|---|---|
| Render | Application hosting and file storage |
| Stripe | Payment processing |
| Anthropic | AI analysis of documents you submit |
| Resend | Transactional email delivery |
| Google Fonts | Webfont delivery (your browser requests fonts from Google) |
Each provider processes data only as needed to perform its function for us and under its own security and privacy commitments. Our providers may change over time as we operate and improve the Services. We may also disclose information as described in Section 9, including where required by law or to protect rights, safety, or the integrity of the Services.
We retain your account data, workspace, Your Content (including original uploaded files and extracted text), and your Outputs for as long as your account is active, so the Services function and your materials remain available to you, and thereafter as needed for the purposes described in this Policy or as permitted or required by law. Retention periods vary by the type of information and the purpose for which it is held. Deleting an individual claim, matter, or document removes it and its extracted text from the live system. You may request deletion of your account and Your Content by contacting us as described in Section 20; we will honor verified requests within a reasonable time, subject to information we are permitted or required to retain for legal, regulatory, security, dispute-resolution, or financial purposes (for example, order and payment records), and subject to routine backups that cycle out over time. De-Identified Data and aggregate statistics may be retained and used as described in Section 7.
We use administrative, technical, and organizational measures designed to protect information, including encryption in transit (HTTPS), hashed passwords, session-based access controls, isolation designed so users can access only their own materials, access controls limiting internal access to information, and logging. No method of transmission or storage is completely secure, and we cannot guarantee absolute security; you are responsible for using a strong, unique password and for keeping your credentials confidential. If we become aware of a security incident affecting your Personal Information, we will notify you and any authorities as required by applicable law.
Depending on where you live and applicable law, you may have some or all of the following rights regarding your Personal Information: to know and access the information we hold about you; to receive a copy of it (portability); to correct inaccurate information; to delete it; to limit or object to certain processing; to opt out of any “sale” or “sharing” or targeted advertising (which we do not engage in); and to not receive discriminatory treatment for exercising your rights. Within the Services, you can view and edit your information, delete individual documents, claims, and matters, and manage your email preferences. To exercise other rights, contact us as described in Section 20. We will verify your identity before acting on a request, may need additional information to do so, and will respond within the time required by applicable law. You may use an authorized agent where the law permits. If we decline a request, you may appeal by replying to our response. Your rights may be limited where information has been de-identified or where we are permitted or required to retain it.
Residents of certain U.S. states (including California, Virginia, Colorado, Connecticut, Utah, Texas, Florida, and others as such laws take effect) may have additional rights under state privacy laws, including the rights described in Section 13. For California residents: we describe the categories of Personal Information we collect, the sources, and the purposes above; we do not sell Personal Information and do not share it for cross-context behavioral advertising, and we have not done so in the preceding twelve months; and we do not knowingly collect or sell the Personal Information of individuals under 16. Some Your Content may include information treated as “sensitive” under these laws; we use it only to provide and support the Services and as otherwise described here, not for purposes requiring separate opt-in beyond what these Terms and Policy describe. We honor verifiable rights requests from residents of all states with applicable laws, and, as a matter of practice, extend core access and deletion choices to all users regardless of residence.
Professional Users may upload Third-Party Materials that contain the Personal Information of clients, insureds, claimants, or other individuals. When you do so, you are responsible for having the authority and any legally required notices or consents to submit and use that information, and for your own obligations to those individuals under applicable professional-responsibility, confidentiality, privilege, and data-protection rules. As between you and us, with respect to Third-Party Materials you control the information and direct its use through your use of the Services, and we process it to provide the Services to you and as described in this Policy, including creating De-Identified Data. If you require a data-processing agreement for your use, contact us.
The Services are operated in and intended for users in the United States, and information is processed and stored in the United States and in other locations where we or our providers operate. If you access the Services from outside the United States, you understand that your information will be transferred to, and processed in, the United States, where data-protection laws may differ from those of your location. Where required, we implement appropriate safeguards for such transfers.
The Services are intended for adults and are not directed to children. We do not knowingly collect Personal Information directly from anyone under 18 as a user, and users must be at least 18. If you believe a child has provided us information as a user, contact us and we will take appropriate steps to delete it. (Your Content may incidentally reference minors, such as household members on a claim; that information is handled as part of Your Content under this Policy.)
Some browsers offer a “Do Not Track” signal. Because there is no common industry standard for how to respond, the Services do not currently respond to Do Not Track signals. We do not use your information for third-party targeted advertising regardless of any such signal.
We may update this Policy from time to time. When we do, we will update the effective date above and, where required by law or where changes are material, provide additional notice. Changes are effective when posted unless otherwise stated. Your continued use of the Services after the changes take effect constitutes your acknowledgment of the updated Policy and, where applicable, your consent to it.
For privacy questions, requests, or to exercise your rights, contact us at support@settleyourclaim.com. Please include enough information for us to locate your account and respond, and identify the request you are making.