Privacy Policy

Introduction

Daily Event Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide when you:

• Register as a partner on our platform
• Fill out a contact form or application
• Subscribe to our newsletter
• Communicate with us via email or phone

This information may include your name, email address, phone number, business name, event details, insurance coverage preferences, and payment information.

Categories of Personal Information

Automatically Collected Information

When you visit our website, we automatically collect certain information including your IP address, browser type, operating system, referring URLs, and information about how you interact with our website.

How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our services
• Process partner applications and manage accounts
• Facilitate insurance quoting, binding, and claims processing with our carrier partners
• Generate and qualify leads for insurance products and partnership opportunities
• Enable partner venues and carriers to contact you regarding your expressed interest in insurance coverage
• Send administrative information, policy updates, and marketing communications (with your consent)
• Respond to inquiries and provide customer support
• Improve our website, services, and product offerings
• Comply with legal and regulatory obligations, including insurance industry requirements

Information Sharing

We share your personal information with the following categories of recipients for the purposes described below. We do not sell your personal information as defined under the CCPA.

Insurance Carriers

We share applicant and policyholder information (name, contact details, event information, coverage requirements) with our underwriting insurance carriers to facilitate quoting, binding, and servicing insurance policies. We do not publicly identify every carrier, wholesaler, or program partner in this policy because the recipient may vary by event type, state, coverage limit, and underwriting appetite; however, we limit disclosures to parties reasonably necessary to quote, bind, service, or administer the coverage you request.

Partner Venues & Event Organizers

When you purchase event insurance through a partner venue (gym, studio, event space, or other facility), we may share proof of coverage and policy details with that venue to confirm your insurance status. We share only the minimum information necessary to verify coverage.

Technology & Service Providers

We use third-party service providers to operate our platform and deliver services. These providers process data on our behalf under contractual obligations to protect your information:

• Stripe: Payment processing, partner payouts, and financial transaction management
• Supabase: Database hosting and user authentication
• Vercel: Website hosting and content delivery
• Twilio: SMS communications and phone call services
• SendGrid / Postmark: Transactional and marketing email delivery
• Google Analytics: Website usage analytics (aggregated and anonymized where possible)
• LiveKit: Voice AI and real-time communication services

Aggregated & De-identified Data

We may share aggregated, de-identified, or anonymized data that cannot reasonably be used to identify you for business analytics, industry research, and marketing purposes.

No Sale of Personal Information

Daily Event Insurance does not sell personal information for money. If any data sharing is considered a "sale" or "sharing" under a state privacy law because it supports cross-context behavioral advertising or lead referral workflows, you may opt out through our privacy request form or by emailing privacy@dailyeventinsurance.com.

Legal & Compliance Disclosures

• Legal Requirements: When required by law, subpoena, court order, or government regulation
• Rights Protection: To protect our rights, safety, or property, or that of our users and partners
• Business Transfers: In connection with a merger, acquisition, bankruptcy, or sale of assets, in which case you will be notified of any change in ownership or control of your information

Data Flows to Insurance Partners

Daily Event Insurance operates as an insurance distribution platform connecting you with carriers. Your data flows through multiple parties in the insurance transaction. We want to be transparent about exactly what is shared, with whom, and why:

What Data Flows to Carriers

• Quote requests: Event type, date, location, number of attendees, coverage limits requested
• Binding information: Full legal name, business name (if applicable), mailing address, email, phone number
• Claims data: Incident details, supporting documentation, loss amounts (only when a claim is filed)
• Payment confirmation: Premium payment status (not your full payment card details)

What Data Flows to Partner Venues

• Certificate of Insurance (COI): Your name, policy number, coverage dates, limits, and additional insured status
• Coverage verification: Confirmation that active coverage is in place for a specific event date

What Data Stays with Daily Event Insurance

• Your full payment card or bank account details (processed securely by Stripe; we never store card numbers)
• Your login credentials and authentication tokens
• Website browsing behavior and analytics data
• Internal communications and support ticket history

Lead Generation Disclosure

When you submit information through our partner application, contact forms, or lead capture pages, your data may be used for lead generation purposes. This means your contact information (name, email, phone number, business details) may be shared with our insurance carrier partners and affiliate networks to facilitate insurance product offerings and partnership opportunities relevant to your expressed interests. You may opt out of lead generation sharing at any time by contacting privacy@dailyeventinsurance.com.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

TCPA Compliance & Communication Consent

In accordance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and applicable Federal Communications Commission (FCC) regulations, we provide the following disclosures regarding how we may contact you:

Express Written Consent

By submitting your information through our website forms (including partner applications, contact forms, and lead capture forms), you provide your express written consent for Daily Event Insurance and its authorized partners to contact you via:

• Phone calls, including calls made using an automatic telephone dialing system (ATDS) or prerecorded/artificial voice messages
• SMS/text messages, including messages sent via automated technology
• Email communications regarding insurance products, partnership opportunities, and related services

Important TCPA Disclosures

• Consent is not required as a condition of purchasing any product or service from Daily Event Insurance
• Message frequency may vary; message and data rates may apply
• Carriers are not liable for delayed or undelivered messages
• You may receive up to 10 marketing messages per month unless you opt out

How to Opt Out

You may revoke your consent and opt out of communications at any time by:

• Replying STOP to any text message
• Clicking "unsubscribe" in any email
• Calling us at (619) 848-0945
• Emailing privacy@dailyeventinsurance.com with the subject "Opt Out"

Upon receiving your opt-out request, we will process it within 10 business days. You may still receive transactional or service-related messages that are not marketing in nature.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy or as required by law:

• Partner application data: Retained for the duration of the partnership plus 3 years
• Marketing contact data: Retained until you opt out or after 12 months of inactivity
• Transaction records: Retained for 7 years as required by financial regulations
• Website usage data: Retained for 26 months

You may request deletion of your personal information at any time by emailing privacy@dailyeventinsurance.com. We will process deletion requests within 45 days, subject to legal retention obligations.

CCPA Collection and Sharing Notice

In the last 12 months, we may have collected the categories listed above and disclosed identifiers, commercial/insurance information, payment-related information, internet activity, and limited sensitive information to service providers, insurance carriers, licensed producers, partner venues, payment processors, analytics providers, and regulators for the business purposes described in this policy.

We do not knowingly sell or share personal information of consumers under 16, and we do not use sensitive personal information for purposes other than those allowed by applicable privacy laws.

State-Specific Privacy Rights

California Residents (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with additional rights regarding your personal information:

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you
• Right to Delete: You may request deletion of your personal information, subject to certain exceptions
• Right to Correct: You may request correction of inaccurate personal information
• Right to Opt-Out of Sale/Sharing: You may opt out of the sale or sharing of your personal information. We do not sell personal information as defined under the CCPA
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights
• Right to Limit Use of Sensitive Personal Information: You may limit how we use sensitive personal information

To exercise these rights, submit a request through our CCPA Request Form, email privacy@dailyeventinsurance.com, or call (619) 848-0945. We will verify your identity before processing your request and respond within 45 days.

Colorado Residents (CPA)

Colorado residents have the right to access, correct, delete, and obtain a portable copy of their personal data. You may also opt out of targeted advertising and the sale of personal data. To appeal a denied request, contact us at privacy@dailyeventinsurance.com with the subject "CPA Appeal."

Virginia Residents (VCDPA)

Virginia residents have the right to access, correct, delete, and obtain a copy of their personal data, as well as the right to opt out of the processing of personal data for targeted advertising, sale, or profiling. You may appeal any denial by contacting us within 30 days.

Illinois Residents

Illinois residents are protected by the Illinois Personal Information Protection Act (PIPA) and, when applicable, the Illinois Biometric Information Privacy Act (BIPA, 740 ILCS 14). In addition to the opt-out and deletion rights described above, you may:

• Request details about what personal information we hold and how it is used
• Receive notice of any security breach affecting your unencrypted personal information, as required by PIPA
• Opt out of marketing communications at any time by replying STOP to texts, clicking unsubscribe in emails, or emailing us

BIPA Notice: Daily Event Insurance does not collect, capture, purchase, receive, or otherwise obtain biometric identifiers or biometric information (including retina or iris scans, fingerprints, voiceprints, or scans of hand or face geometry) from applicants, partners, or the public. If this ever changes, we will update this Privacy Policy, post a separate BIPA-compliant written policy, and obtain the written consent required by 740 ILCS 14/15 before any biometric data is collected.

Connecticut, Utah, Texas, Oregon, and Montana Residents

Residents of these states have similar rights to access, correct, delete, and port personal data, and to opt out of targeted advertising and the sale of personal data. We will respond to verified requests within the timeframes required by your state's applicable law.

How to Submit a Request

• Online: Privacy Rights Request Form
• Email: privacy@dailyeventinsurance.com
• Phone: (619) 848-0945
• We will verify your identity using information you have previously provided to us
• You may designate an authorized agent to submit a request on your behalf

Cookies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at: