1. Introduction

Reinsured.AI is committed to protecting the privacy and security of your data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered reinsurance automation platform. This policy applies to all users including reinsurers, insurers, brokers, and other authorized parties.

2. Information We Collect

Business Data

Bordereaux files and reconciliation records
Treaty and facultative submission documents
Pricing models and underwriting data
Claims information and loss runs
Policy documents and contract details
CAT modeling inputs and results

Account Information

Company name and contact details
User credentials and authentication data
Role and permission settings
Communication preferences

Usage Data

Platform interaction logs and analytics
AI agent usage patterns and performance metrics
API call records and integration data
System diagnostics and error reports

3. How We Use Your Information

We use your information to:

Provide AI-powered automation for reinsurance operations
Process and analyze documents, submissions, and bordereaux
Generate pricing recommendations and risk assessments
Detect anomalies and prevent fraud
Improve AI model accuracy and platform performance
Provide customer support and technical assistance
Comply with regulatory and legal obligations
Send service updates and important notifications

4. Data Security and Protection

We implement enterprise-grade security measures including:

End-to-end encryption for data in transit and at rest (AES-256)
Multi-factor authentication and role-based access controls
SOC 2 Type II certified infrastructure
Regular security audits and penetration testing
Isolated data environments per customer
24/7 security monitoring and incident response
Annual third-party security assessments

5. Data Sharing and Disclosure

We do not sell your data. We may share information only in these limited circumstances:

With your consent: When you explicitly authorize data sharing
Service providers: Trusted partners who assist in platform operations (e.g., cloud hosting) under strict confidentiality agreements
Legal obligations: When required by law, regulation, or valid legal process
Business transfers: In the event of a merger or acquisition (with advance notice)

6. Data Retention

We retain your data for as long as your account is active or as needed to provide services. Upon account termination, data is retained for 90 days to allow for data export, then securely deleted unless retention is required by law (e.g., regulatory compliance requiring 7-year retention for certain insurance records).

7. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

Access and receive a copy of your data
Correct inaccurate or incomplete data
Request deletion of your data (subject to legal retention requirements)
Object to or restrict certain data processing activities
Data portability in machine-readable format
Withdraw consent for data processing

To exercise these rights, contact hello@support.reinsured.ai

8. International Data Transfers

We operate globally with data centers in multiple regions. Data may be transferred and processed in countries where we operate. We ensure appropriate safeguards are in place through Standard Contractual Clauses (SCCs) and other approved transfer mechanisms compliant with GDPR and other data protection laws.

9. Cookies and Tracking

We use essential cookies for platform functionality and analytics cookies to improve user experience. You can control cookie preferences through your browser settings. Disabling certain cookies may limit platform functionality.

10. Children's Privacy

Our services are designed for business use and are not intended for individuals under 18 years of age. We do not knowingly collect data from minors.

11. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or platform notification at least 30 days before taking effect.

12. Contact Us

For privacy-related questions or concerns, contact our Data Protection Officer at hello@support.reinsured.ai