Privacy Policy

1. Introduction

Welcome to FeeComp ("Company," "we," "us," or "our"). FeeComp operates as a reverse insurance marketplace platform where consumers can upload their existing insurance policies and receive competitive quotes from licensed insurance agents.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website FeeComp.com and use our services. Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

If you do not agree with the terms of this Privacy Policy, please do not access our services.

2. Information We Collect

2.1 Information You Provide Directly

For Consumers:

• Account Information: Email address, name, phone number, and mailing address
• Insurance Policy Information: Current insurance provider, premium amounts, coverage types (auto, home, mortgage), policy documents, and coverage details
• Property Information (Home Insurance): Home type, square footage, year built, construction type, roof type and age, flood zone status, proximity to fire stations, presence of pools/trampolines/pets, and security system status
• Financial Information (Mortgage Services): Bank account information, asset reports, income verification data, credit scores, payment history, down payment information, and requested loan amounts
• Claims Information: Prior insurance claims and claim history
• Communications: Any correspondence you send to us or our agents

For Licensed Agents:

• Professional Information: Name, email, company name, phone number, professional bio, years of experience
• Licensing Information: License numbers, licensed states, National Producer Number (NPN), NMLS number (for mortgage professionals)
• Payment Information: Billing details processed through our payment processor (Stripe)
• Business Activity: Quote submissions, response times, and accuracy metrics

2.2 Information Collected Automatically

When you access our services, we may automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages viewed, links clicked, time spent on pages, referring URLs
• Session Information: Login times, session duration, authentication tokens
• Cookies and Similar Technologies: See Section 7 for details

2.3 Information from Third Parties

We may receive information about you from third-party services you authorize us to access:

• Plaid: Bank account information, transaction history, asset reports, and income verification data
• Experian: Credit scores, credit history, and payment records
• Insurance Carriers: Policy verification and claims history (when authorized)

3. How We Use Your Information

3.1 Provide and Improve Our Services

• Match consumers with qualified, licensed insurance agents
• Process and display insurance quotes
• Verify agent licensing and credentials
• Process payments and subscriptions
• Analyze and improve our platform and user experience

3.2 Communications

• Send magic link authentication emails
• Notify you of new quotes and agent responses
• Send service-related announcements and updates
• Respond to your inquiries and support requests
• Send marketing communications (with your consent)

3.3 Security and Compliance

• Detect and prevent fraud, abuse, and security incidents
• Verify user and agent identities
• Comply with legal obligations
• Enforce our Terms of Service

3.4 Business Operations

• Process agent subscriptions and quote fees
• Generate anonymized analytics and reports
• Improve our matching algorithms
• Conduct research and development

4. How We Share Your Information

4.1 With Licensed Agents (For Consumers)

When you request quotes, we share relevant information with licensed agents to enable them to provide competitive quotes. We share your insurance type and coverage needs, property or vehicle information relevant to the quote, and general location (city/state) for initial quotes.

4.2 With Service Providers

We share information with third-party service providers who perform services on our behalf:

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid legal requests, including court orders and subpoenas, government or regulatory agency requests, law enforcement investigations, and protection of our rights, privacy, safety, or property.

4.4 Business Transfers

In the event of a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of the business assets.

5. Data Retention

We retain your information for as long as necessary to provide our services and fulfill the purposes described in this Privacy Policy:

• Account Information: Retained while your account is active and for a reasonable period thereafter
• Financial Data (Plaid/Experian): Retained only while your account is active; deleted upon account closure
• Authentication Tokens: Magic links expire after 24 hours and are single-use
• Session Data: Expires after 24 hours of inactivity
• Application Logs: Retained for 90 days
• Transaction Records: Retained as required for tax and legal compliance (typically 7 years)

6. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption: All data transmitted using TLS 1.2 or higher; sensitive data encrypted at rest
• Access Controls: Role-based access with least privilege principles
• Authentication: Secure magic link authentication and bcrypt password hashing
• Monitoring: Security logging and incident detection systems
• Third-Party Security: We require our service providers to maintain appropriate security measures
• PCI Compliance: Payment processing handled by PCI DSS compliant processors (Stripe)

7. Cookies and Tracking Technologies

We use cookies and similar technologies to maintain your session and authentication state, remember your preferences, analyze usage patterns, and prevent fraud and enhance security.

Types of Cookies:

• Essential Cookies: Required for basic site functionality and security
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Help us understand how users interact with our services (Google Analytics)
• Advertising Cookies: Used for conversion tracking and targeted advertising (Meta Pixel, Google Ads) — only loaded with your explicit consent via our cookie banner

Most web browsers allow you to control cookies through their settings. Note that disabling certain cookies may limit your ability to use some features of our services.

8. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access and Portability: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information, subject to certain legal exceptions
• Opt-Out: Opt out of marketing communications and certain data sharing
• Withdraw Consent: Where we rely on consent to process your information, you may withdraw that consent at any time

To exercise any of these rights, please contact us at customerservice@feecomp.com. We will respond to your request within 30 days (or as required by applicable law).

9. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to Know: Request information about the categories and specific pieces of personal information we have collected, the sources of that information, our business purposes for collecting it, and the categories of third parties with whom we share it
• Right to Delete: Request deletion of your personal information, subject to certain legal exceptions
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the "sale" or "sharing" of personal information. We do not sell personal information for monetary consideration. We may share information with advertising partners (e.g., Meta Pixel, Google Ads) for targeted advertising, which may constitute "sharing" under the CPRA
• Right to Limit Use of Sensitive Information: Request that we limit the use and disclosure of your sensitive personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise your rights, contact us at customerservice@feecomp.com. We will verify your identity before processing your request and respond within 45 days (which may be extended by an additional 45 days if necessary).

Do Not Sell or Share My Personal Information: To opt out of the sharing of your information for targeted advertising purposes, you may decline cookies via our cookie consent banner, or contact us at the email above.

10. Information for Users in the European Economic Area (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, the following additional provisions apply to you under the General Data Protection Regulation (GDPR):

10.1 Lawful Basis for Processing

We process your personal data on the following legal bases:

• Contract Performance (Art. 6(1)(b)): Processing necessary to provide our marketplace services, process payments, and manage your account
• Legitimate Interests (Art. 6(1)(f)): Fraud prevention, security, platform improvement, and analytics — where our interests do not override your fundamental rights
• Consent (Art. 6(1)(a)): Marketing communications, advertising cookies (Meta Pixel, Google Ads), and optional AI-powered document processing
• Legal Obligation (Art. 6(1)(c)): Tax record retention, regulatory compliance, and responding to lawful requests

10.2 Your Data Subject Rights

Under the GDPR, you have the right to:

• Access: Obtain confirmation of whether we process your data and request a copy
• Rectification: Correct inaccurate or incomplete personal data
• Erasure ("Right to Be Forgotten"): Request deletion of your data, subject to legal retention obligations
• Restriction: Request that we limit processing of your data in certain circumstances
• Data Portability: Receive your data in a structured, machine-readable format
• Object: Object to processing based on legitimate interests or for direct marketing
• Withdraw Consent: Withdraw consent at any time where processing is based on consent
• Lodge a Complaint: File a complaint with your local data protection supervisory authority

To exercise these rights, contact us at customerservice@feecomp.com. We will respond within 30 days as required by the GDPR.

10.3 International Data Transfers

Your personal data may be transferred to and processed in the United States, where our servers and service providers are located. When we transfer data outside the EEA, we rely on Standard Contractual Clauses (SCCs) approved by the European Commission to ensure adequate protection. Our third-party service providers (Stripe, Resend, OpenAI, Plaid, Cloudflare) maintain their own data transfer mechanisms in compliance with applicable law.

10.4 Data Protection Contact

For data protection inquiries, contact us at customerservice@feecomp.com. Include "GDPR Request" in the subject line for prioritized handling.

10.5 Data Breach Notification

In the event of a personal data breach that poses a risk to your rights and freedoms, we will notify the relevant supervisory authority within 72 hours and affected individuals without undue delay, as required by Article 33 and 34 of the GDPR. We will also comply with applicable U.S. state breach notification laws, which generally require notification within 30-60 days.

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page, updating the "Last Updated" date, and sending you an email notification for material changes. Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: