PrivacyPolicy

Home Insurance by AltFTool collects information necessary to evaluate property risk, issue home insurance policies, process claims, and maintain secure account services.

• Personal Identifiers: Full legal name, date of birth, mailing address, contact phone numbers, and email address.

• Property Details: Dwelling address, construction year, square footage, roof condition, safety features (monitored alarms, shut-off valves), occupancy status, and prior claim history.

• Financial & Payment Information: Bank account details, credit/debit card numbers processed securely via PCI-DSS compliant payment gateways, and mortgage holder information for escrow billing.

• Claims & Inspection Data: Loss descriptions, inspector reports, repair estimates, photographs, and communications with claims adjusters.

• Digital & Usage Data: IP address, browser type, device information, and interaction logs captured when navigating our website or customer portal.

We use your personal and property data strictly for legitimate insurance service operations:

• Underwriting and pricing personalized home, condo, renters, and property insurance policies.

• Verifying property eligibility and verifying dwelling replacement cost valuations.

• Processing insurance claims rapidly and coordinating with approved contractor restoration networks.

• Communicating policy renewals, payment reminders, policy changes, and emergency weather safety notices.

• Preventing insurance fraud and complying with state insurance commission regulatory requirements.

We do NOT sell your personal information to third-party data brokers or marketing affiliates.

We share personal information only under strict confidentiality agreements with authorized entities:

• Reinsurance & Carrier Partners: Licensed insurance carriers and reinsurers that back our policy guarantees.

• Service Providers: Trusted vendors who assist with IT infrastructure, payment processing, property inspections, and claims mitigation.

• Legal & Regulatory Authorities: Insurance regulators, law enforcement, or court bodies when required by subpoena or law.

• Mortgage Lenders: Transmitting policy declarations pages to your mortgage holder for annual escrow verification.

Home Insurance by AltFTool employs bank-grade security protocols to safeguard your confidential policy information:

• All digital transmissions are encrypted using 256-bit Transport Layer Security (TLS/SSL).

• Sensitive database fields are stored encrypted at rest with multi-factor administrative access controls.

• Regular third-party penetration testing and vulnerability assessments are conducted to preserve platform integrity.

Depending on your state of residence (including California CCPA/CPRA, Texas, and Washington rights), you have the right to:

• Request access to the specific personal data we hold about your policy.

• Request correction of inaccurate property or personal information.

• Request deletion of non-essential personal information (subject to statutory policy retention obligations).

• Opt out of non-essential promotional email or SMS communications.

If you have questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact our privacy compliance desk:

• Email: privacy@altftool.com