Privacy Policy

Introduction

Underwriters Technologies ("Company," "we," "us," or "our") operates the Surplus Lines API service. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

Information We Collect

Account Information

When you create an account, we collect:

• Email address
• Name
• Company name (optional)
• Password (stored securely hashed)

Payment Information

Payment processing is handled by Stripe. We do not store your full credit card number. We receive:

• Last four digits of your card
• Card expiration date
• Billing address
• Transaction history

API Usage Data

We log API requests for billing, debugging, and service improvement:

• API endpoint called
• Request parameters (state, premium amount)
• Timestamp
• Response status
• IP address

Website Analytics

We may use analytics services to understand how visitors use our website. This includes:

• Pages visited
• Time spent on pages
• Browser type and device
• Referring website
• Geographic region (country/state level)

How We Use Your Information

We use the information we collect to:

• Provide and maintain the Service
• Process payments and send billing notifications
• Send service-related communications
• Respond to your inquiries and support requests
• Monitor and analyze usage patterns
• Detect and prevent fraud or abuse
• Improve our Service
• Comply with legal obligations

Information Sharing

We do not sell your personal information. We may share information with:

Service Providers

Third parties that help us operate our Service:

• Stripe - Payment processing
• Email providers - Transactional emails
• Hosting providers - Infrastructure

Legal Requirements

We may disclose information if required by law, court order, or government request, or to protect our rights, property, or safety.

Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Data Retention

We retain your information as long as your account is active or as needed to provide the Service. After account closure:

• Account data is deleted within 90 days
• Usage logs are retained for 12 months for billing disputes
• Anonymized analytics data may be retained indefinitely

Data Security

We implement appropriate security measures including:

• Encryption of data in transit (HTTPS/TLS)
• Secure password hashing
• Access controls and authentication
• Regular security reviews

No method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights

Depending on your location, you may have the right to:

• Access - Request a copy of your personal data
• Correction - Request correction of inaccurate data
• Deletion - Request deletion of your data
• Export - Receive your data in a portable format
• Opt-out - Opt out of marketing communications

To exercise these rights, contact us at support@surpluslinesapi.com.

Cookies

We use cookies and similar technologies for:

• Essential cookies - Required for the Service to function (authentication, sessions)
• Analytics cookies - Help us understand how visitors use our site

You can control cookies through your browser settings, but disabling essential cookies may affect Service functionality.

Children's Privacy

The Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

International Users

The Service is operated in the United States. If you access the Service from outside the US, your information will be transferred to and processed in the US, which may have different data protection laws than your country.

California Privacy Rights

California residents have additional rights under the CCPA:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising privacy rights

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or through the Service. The "Last updated" date at the top indicates when the policy was last revised.

Contact Us

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

Underwriters Technologies
Email: support@surpluslinesapi.com