This is some text inside of a div block.
This is some text inside of a div block.
Last Updated: January 2025
Before engaging with us, submitting information to us, or buying or using our Services, please review this privacy policy carefully.
This Privacy Policy applies to Adaptive Holdings, Inc. (collectively, “Adaptive,” “we,” our,” and “us”) and governs the collection, use, and sharing of information across all of our online and offline platforms, including our website, API applications, and other online products and services that link to this Privacy Policy, interactions with our call center agents, service representatives, and data obtained from third parties (collectively referred to as “Services”).
Adaptive and its affiliated partners appreciate the trust you place in us when you ask us to help protect you and your assets. You trust us with your private, personal information when you purchase insurance from us, and we are committed to protecting your information.
We treat your information and your privacy with the respect they deserve. We do not disclose any personal information that is not public about any of our customers, current or former, to anyone, except as permitted or required by law. For instance, we may share your information with our partners. We may also disclose information we have collected about you to companies that perform services on our behalf.
When we make this type of disclosure, it is done to service your account or policy, or to inform you about Adaptive’s products and services. Before disclosing your information, however, we require these companies to keep it confidential and use it only for the transaction we request.
The insurance agents authorized to sell Adaptive products and services are not Adaptive employees, but they are subject to Adaptive’s Privacy Policy to the extent that they sell or service our products, unless they have provided you with a copy of their own privacy policy. Because they have a unique business relationship with you, they may have additional personal information about you that Adaptive does not. They may use this information differently than Adaptive. Contact your insurance agent to learn more about their privacy practice and policy.
Adaptive collects personal information, such as name, address, email address, and telephone number, on our website only when you or your agent voluntarily provide it. Only the internet domain is recognized when you visit our website; individual email addresses are not.
If you provide us with your email address, Adaptive may use it to occasionally notify you of new products or services, special offers, weather alerts, claims updates or to confirm transactions. If you do not wish to be contacted by email, you may click the “unsubscribe” link at the bottom of any Adaptive email you receive and you’ll no longer receive email communications from us that are unrelated to your policy. Adaptive may work with third-party vendors, such as Google, to research usage and activities on our website.
We may collect personal information about you from:
Information you or your agent provide on quotes, applications, or other forms (such as your name, address, and email)
Your transactions with us (such as payment history and claims information)
Information we receive from a consumer reporting agency or industry data providers
Your insurance agent or broker (such as updated information related to your account)
Adaptive uses cookies to maintain the continuity of browser sessions and to track repeat visitors.
Adaptive uses secure technology, which encrypts information as it crosses the Internet. You can tell if you’re visiting a secure area by looking for the padlock symbol in the address bar of your browser screen. If it shows “locked,” you have a secure session. Adaptive has security measures in place to protect the loss, misuse, and alteration of your personal information. Our servers, located in the United states, are designed to prevent unauthorized access.
AdaptiveInsurance.com has links to other websites. These other sites are outside of Adaptive’s control and they may collect information about you that Adaptive does not. We are not responsible for the privacy practices or the content of linked websites.
We limit employee access to customer information to those employees with a legitimate business reason for such access. We maintain physical, electronic, and operational safeguards to protect your information from being accessed by unauthorized persons. We also conduct a regular risk assessment, risk management and control, and oversight of our service providers to assure the effectiveness of these safeguards.
We may periodically update or revise this Privacy Policy. Please check frequently for changes.
This Privacy Notice for California Residents supplements the information contained in Adaptive’s general Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We include this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used here.
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, business, or device (“personal information”). Personal information does not include:
Publicly available information from government records
Deidentified or aggregated consumer information
In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
1.
Identifiers
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers.
Yes
2.
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code 1798.80(e))
A name, signature, physical characteristics or description, address, telephone number, insurance policy number, education, employment, employment history, or other similar identifiers. Some personal information included in this category may overlap with other categories.
Yes
3.
Protected classification characteristics under California or federal law
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
No
4.
Commercial information
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
No
5.
Biometric information
Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke gait, or other physical patterns, and sleep, health, or exercise data.
No
6.
Internet or other similar network activity
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
Yes
7.
Geolocation data
Physical location or movements.
No
8.
Sensory data
Audio, electronic, visual, thermal, olfactory, or similar information.
No
9.
Professional or employment-related information
Current or past job history or performance evaluations.
No
10.
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
No
11.
Inferences drawn from other personal information
Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
No
We obtain the categories of personal information listed above from the following categories of sources:
Directly from you. For example, from forms you complete or products and services you purchase.
Indirectly from you. For instance, from observing your actions on our website.
We may use or disclose the personal information we collect for one or more of the following purposes:
To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a quote or ask a question about our products and services, we will use that information to respond to your inquiry. If you provide your personal information to purchase our product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders.
To provide, support, personalize, and develop our website, products, and services.
To create, maintain, customize, and secure your account with us.
To process your requests, purchases, transactions, and payments, and prevent transactional fraud.
To provide you with support and respond to your inquiries, including to investigate and address your concerns as well as monitor and improve our responses.
To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites, and via email or text message (with your consent, where required by law).
To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
For testing, research, analysis, and product development, including to develop and improve our website, products and services.
To respond to law enforcement requests and as required by applicable law, court order, or government regulations.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our consumers is among the assets transferred.
We will not collect additional categories of personal information or use the personal information we collect for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a third party, such as a service provider, for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, Adaptive has disclosed the following categories of personal information for a business purpose:
Category 1: Identifiers
Category 6: Internet or other similar network activity
We disclose your personal information for a business purpose to service providers.
In the preceding twelve (12) months, Adaptive has not sold personal information.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable consumer request (see the Exercising Access, Data Portability, and Deletion Rights section below), we will disclose to you:
The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that business information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
If we shared or disclosed your personal information for a business purpose, two separate listings disclosing:
Sales, identifying the personal information categories that each category of recipient purchased, and
Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
Complete the transaction for which we collected the personal information, provide a product or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code 1546 seq.).
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with customer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by emailing us at privacy@adaptiveinsurance.com.
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice (2x) within a 12-month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include your proof of identity
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us.We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
For instructions on exercising sale opt-out rights, see Personal Information Sales Opt-Out and Opt-In Rights below.
We aim to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to ninety (90) days), we will notify you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically according to your preference.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why and provide you with an estimated cost before completing your request.
We do not sell personal information.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Deny you products and services.
Charge you different prices for products or services, including through grinding discounts or other benefits, or imposing penalties.
Provide you with a different level of quality of products or services.
Suggest that you may receive a different price or rate for products or services or a different level of quality of products or services.
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will be reasonably related to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes, we will post the updated notice on the website and update the policy’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.
If you have any questions about this privacy policy or our other information practices, please contact us at:
Adaptive Insurance Services
Attn: Legal
15511 HWY 71 West, Ste. 110-186; Bee Cave, TX 78738
cc: privacy@adaptiveinsurance.com
Rev. 10/2023
Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your account with us. This includes sending you information about some other products or services.
Your Choices
Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.
( ) NO, please do not share personal and financial information with your affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
( ) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.
Time Sensitive Reply
You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.
To exercise your choices, utilize any of the options below:
(1) Call 1-877-595-5515, toll free, and our menu will prompt you through your choices; or
(2) Complete the information below, sign, and return this form to us (you may want to make a copy for your records): Adaptive Insurance Services, Attn: Legal; 15511 HWY 71 West, Ste. 110-186; Bee Cave, TX 78738
Name
Account Number(s):
Property Address:
Mailing Address:
(If different than property address)
Signature
Date:
The type of information we collect and share depends on the product or service you have with us. This information can include:
Name
Property information and property records
Checking account information
Financial companies choose how they share your information. Federal and state laws give consumers the right to limit some but not all sharing. Federal and state laws also require us to tell you how we collect, share, and protect your personal information. Read this notice carefully to understand what we do.
All financial companies need to share customers’ personal information to run their daily business. Below, we list the reasons financial companies can share their customers’ personal information; what Adaptive chooses to share; and whether you can limit this sharing.
Does Adaptive Insurance Services share?
Can you limit this sharing?
For our everyday business:Such as process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes:Such as offering our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
Yes
For our affiliates’ everyday business purposes: Such as information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes: Including information about your creditworthiness
Yes
Yes
For our affiliates to market to you
Yes
Yes
For non-affiliates to market to you
No
N/A
Call 1-877-595-5515
Note:
If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call 1-877-595-5515
Adaptive Holdings, Inc. doing business as Adaptive Insurance
To protect your information from unauthorized access and use, we maintain physical, electronic, and procedural safeguards that comply with federal and state laws. These measures include computer safeguards and secured files and buildings.
We collect your information, for example, when you:
Apply for insurance or pay insurance premiums
Provide account information and give us your contact information
File an insurance claim
State laws and individual companies may give you additional rights to limit sharing. Below shows more on your rights under state law.
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Adaptive Insurance does not share with non-affiliates so they can market to you.
A formal agreement between non-affiliated companies that together market financial products or services to you.
We will also comply with more restrictive state laws to the extent they apply.
CA Residents: We will not share your information with nonaffiliated third parties for their marketing purposes except with your express consent. California residents will also be provided an “Important Privacy Choices” notice explaining their rights under the California Financial Information Privacy Act.
NV Residents: Nevada law allows us to make marketing calls to our existing customers listed on the National Do Not Call Registry. This notice is provided to you pursuant to state law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by calling 1-877-595-5515. If you would like more information about our practices, you may call 1-877-595-5515. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: aginfo@ag.nv.gov.
VTt Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, or VA Residents. The term “Information” means information we collect in connection with insurance transactions. You have the right to request access to, correction, amendment, and deletion of personal information that we have about you. Please contact us at privacy@adaptiveinsurance.com or Adaptive Insurance Services, Attn: Legal; 15511 HWY 71 West, Ste. 110-186; Bee Cave, TX 78738, with a notarized letter and include your name, address, and your policy, contract, or account number, and describe the information you wish to access, delete, or correct. We may share your Information with non-affiliates without your prior authorization as permitted or required by law, such as for the purpose of conducting actuarial or research studies that comply with applicable law. We may share your Information with insurance regulatory authorities, law enforcement, consumer reporting agencies, auditors, and as permitted or required by law. Information we obtain from a report prepared by an insurance-support organization may be retained by that insurance-support organization and disclosed to others.
Before you go, take 10 seconds to join 1,000+ others interested in climate resilience solutions. Hand-crafted and emailed to you once a month.
Sign Up for Adaptive Climate