Privacy Policy

Last updated: April 6, 2026

1. Information We Collect

Account Information: When you create an account, we collect your email address, name, and password. Passwords are hashed and stored securely — we never store or have access to your plain-text password.

Profile Information: During onboarding, you may provide your focus area (personal lines, commercial lines, etc.), carrier appointments, and aggregator affiliation. This information is used to personalize your dashboard and experience.

User-Submitted Data: When you rate carriers, submit reviews, or contribute commission data, we collect and store that information. Reviews and ratings are displayed anonymously on the Platform. We never display your name, email, or agency name alongside your submissions unless you explicitly choose to do so.

Book of Business Data: If you use the My Book feature, premium amounts and carrier selections you enter are stored locally in your browser and optionally synced to your account. This data is private to you and is never shared with other users, carriers, or third parties.

Usage Data: We collect anonymous usage data such as pages visited, features used, and time spent on the Platform. This helps us improve the product. We do not track you across other websites.

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Platform and its features.
• Personalize your dashboard, alerts, and recommendations.
• Aggregate and anonymize user-submitted data to create carrier and aggregator intelligence that benefits all users.
• Communicate with you about your account, product updates, and relevant platform changes.
• Detect and prevent fraud, abuse, or violations of our Terms of Service.

3. What We Do NOT Do

InSifter is built on trust. We commit to the following:

• We do not sell your personal data to carriers, aggregators, marketing companies, or any third party.
• We do not share your identity with carriers or aggregators. Your ratings and reviews are anonymous.
• We do not send your information to insurance companies for appointment solicitation, marketing, or underwriting purposes.
• We do not display ads or allow third-party advertisers to target you based on your InSifter data.
• We do not use your Book of Business data for any purpose other than showing it to you in your private dashboard.

4. Data Sharing

We share data only in the following limited circumstances:

• Aggregated, anonymized data: We may publish or share aggregated statistics about carrier ratings, commission trends, or industry benchmarks. This data never identifies individual users.
• Service providers: We use third-party services to operate the Platform, including Supabase (authentication and database), Stripe (payment processing), and web hosting providers. These providers access only the minimum data necessary to perform their services and are bound by their own privacy policies.
• Legal requirements: We may disclose your information if required by law, court order, or governmental request.

5. Data Security

We implement industry-standard security measures to protect your data, including encrypted connections (HTTPS/TLS), hashed passwords, row-level security policies on our database, and secure authentication tokens. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your account information for as long as your account is active. If you delete your account, we will remove your personal information within 30 days. Anonymized ratings and reviews that have been aggregated into carrier scores may be retained in anonymized form after account deletion, as they are no longer tied to your identity.

7. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Correct inaccurate information in your profile at any time.
• Delete your account and associated personal data by contacting us.
• Export your data in a portable format upon request.
• Opt out of non-essential communications at any time.

8. Cookies and Local Storage

InSifter uses browser local storage to maintain your session, store your preferences, and cache your book of business data for performance. We use essential cookies for authentication. We do not use third-party tracking cookies, advertising cookies, or cross-site tracking technologies.

9. Children's Privacy

InSifter is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will notify you via email or a prominent notice on the Platform. Your continued use of InSifter after changes are posted constitutes acceptance of the updated policy.

11. Contact

If you have questions about this Privacy Policy or want to exercise your data rights, please contact us at privacy@insifter.com.