Privacy Policy

Last Updated: May 7, 2026

We take your privacy seriously

Raincoat Insurance Technologies ("Raincoat," "we," "us," and "our") is committed to protecting the privacy of all its users. We understand and value the importance of keeping your data safe and secure. This Privacy Policy governs how we collect and use your information when you use our websites, quote experiences, customer portal, mobile experiences, and related services ("Services").

1. Data Controller

Raincoat acts as the data controller for personal data collected through our Services. If you have any questions regarding your personal data or how we use it, please contact us at privacy@goraincoat.com.

2. How We Collect and Use Information

We collect and use the following types of information:

a. Usage Information

We collect information from and about your use of the Services and the devices you use to access the Services. This includes things like IP addresses, browser and device type, the web page you visited before coming to our site, and information about the links you click on. Your device settings may also allow location information and/or an advertising identifier to be transmitted to the Services.

We collect limited technical data regarding app installations, account access, service notifications, and related delivery or interaction events strictly for authentication, operational updates, and service reliability purposes. Engagement metrics are processed in aggregated or anonymized form where appropriate and are not used to make insurance eligibility or pricing decisions.

b. Account, Quote, and Insurance Information

We may collect information you provide when you request a quote, join a waitlist, create an account, upload a document, or manage insurance through Raincoat. This may include contact information, property information, quote or application responses, policy preferences, documents, renewal information, support messages, and other information needed to provide insurance-related Services.

Legal basis for processing:

We process this information based on:

• Your consent, for example when you subscribe to updates or enable notifications.
• Our legitimate interests, including improving the Services and monitoring service reliability.
• Performance of a contract, or steps taken at your request before entering into a contract.
• Compliance with legal, regulatory, and insurance-related obligations.

3. Purposes for Data Processing

We use the information we collect for the following specific purposes:

• To provide, personalize, improve, and protect our Services.
• To support quote requests, applications, policy servicing, documents, renewals, and customer support.
• To analyze usage patterns to improve user experience.
• To communicate with you about quotes, accounts, documents, renewals, product updates, and service notices.
• To detect, prevent, and address fraud, abuse, security risks, or misuse of the Services.
• To comply with our legal and regulatory obligations.

4. Does Raincoat Share My Information

We understand your information is important to you, and we treat it carefully. We do not sell your personal information, and we do not share your personal information with third parties except as described below:

a. With vendors working for Raincoat

Raincoat uses trusted third parties to help us provide, personalize, improve, offer, and protect our Services. These vendors may access your information only to perform tasks on our behalf and in compliance with this Privacy Policy.

b. With insurance partners

We may share information with insurers, managing general agents, brokers, underwriters, reinsurers, adjusters, inspectors, or other insurance participants when needed to support a quote, application, policy, claim, renewal, or service request.

c. For legal reasons

We may disclose your information to third parties if we determine that disclosure is necessary to comply with law, respond to a law enforcement or regulatory request, protect any person from death or serious bodily harm, prevent fraud or abuse of Raincoat or our users, or protect Raincoat's property rights.

d. To affiliates

We may disclose your information to entities within Raincoat's corporate group in order to improve our internal processes and services, prevent fraud or abuse, or comply with legal obligations.

e. International data transfers

Some vendors or affiliates may be located outside your country or region. When we transfer data internationally, we use appropriate safeguards or other legally approved mechanisms to protect your data in accordance with applicable laws.

5. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected and processed, including as required to provide the Services and comply with legal, regulatory, and insurance-related obligations.

Specific retention periods may vary by data category, jurisdiction, and applicable insurance requirements.

6. Use of Cookies

We use technologies like cookies and pixel tags to provide, improve, protect, and promote our Services. For example, cookies help us remember your account for your next visit, understand how you interact with the Services, and improve them based on that information.

We may use the following categories of cookies:

• Essential cookies required for basic service functionality.
• Preference cookies that remember settings and preferences.
• Analytics cookies that help us understand how users interact with our Services.
• Marketing cookies used to deliver relevant communications or advertisements where permitted.

You can set your browser to not accept cookies, but this may limit your ability to use the Services. You can withdraw consent to non-essential cookies where required by applicable law.

7. Your Data Protection Rights

Under applicable data protection laws, you may have the following rights:

• Right to access: you can request a copy of the personal data we hold about you.
• Right to rectification: you can request that we correct inaccurate or incomplete data.
• Right to erasure: you can request deletion of your personal data in certain circumstances.
• Right to restrict processing: you can request limits on how we use your data in certain circumstances.
• Right to data portability: you can request a copy of your data in a machine-readable format.
• Right to object: you can object to certain processing, including direct marketing.
• Rights related to automated decision-making where applicable.
• Right to withdraw consent where processing is based on consent.

To exercise these rights, please contact us at privacy@goraincoat.com. We will respond to your request within the timeframe required by applicable law. You may also have the right to lodge a complaint with your local data protection authority.

8. How to Access or Correct Your Information

If you create a Raincoat account, you may be able to review or update certain account information from within the customer portal. For broader privacy requests or corrections that are not available in your account, contact us using the information in this policy.

9. What If Our Business Is Sold

We reserve the right to transfer information we have about you in the event of a merger with a third party or upon a sale or transfer of all or a portion of our business or assets. In such cases, we will notify you where required before your personal data becomes subject to a different privacy policy.

10. How Raincoat Protects Your Information

Raincoat cares about the security of your information and uses commercially reasonable physical, administrative, and technological safeguards to preserve the integrity and security of information we collect and share with service providers. Our security measures may include:

• Encryption of sensitive personal data where appropriate.
• Regular security assessments.
• Staff training on data protection.
• Access controls for personal data.

If information under our control is compromised as a result of a security incident, we will take reasonable steps to investigate and, where appropriate, notify affected individuals and take other steps in accordance with applicable laws and regulations.

11. Changes and Updates to the Privacy Policy

We may occasionally update this Privacy Policy. When we do, we will revise the "Last Updated" date at the top of this policy. For significant changes, we will provide a more prominent notice and, where required by law, seek your consent. We encourage you to review this Privacy Policy from time to time to stay informed of updates or changes.

12. How to Contact Raincoat

If you have any questions, comments, or concerns about this Privacy Policy, or if you would like to exercise any of your data protection rights, please contact us at privacy@goraincoat.com.