Privacy Policy
Introduction
At Alic, we are committed to protecting your privacy and ensuring the security of your personal information. Our AI liability insurance platform is designed with data protection at its core, prioritizing the confidentiality and integrity of every piece of information we handle.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, including our website, API, and related platforms. Please read this policy carefully to understand our practices regarding your personal data.
By using Alic's services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.
Personal information
We collect personal and technical information essential for providing our comprehensive AI liability insurance solutions. This includes:
Account Information: Name, email address, company name, job title, phone number, and billing address when you create an account or purchase coverage.
Business Information: Company details, tax identification numbers, business structure, and authorized representatives for underwriting and policy management.
Technical Data: API keys, endpoint configurations, AI model specifications, usage metrics, and integration details necessary for coverage monitoring.
AI Usage Data: Logs of AI API calls, including prompts, responses, timestamps, model types, and metadata required for risk assessment and claims processing.
Claims Information: Incident reports, supporting documentation, evidence of damages, customer complaints, and other materials submitted for claims.
Payment Information: Credit card details, bank account information, and transaction history processed through secure third-party payment processors.
Communication Records: Correspondence with our support team, sales inquiries, and any other interactions with Alic.
We gather this information through direct user input, platform interactions, automated tracking technologies, and API integrations with your AI systems.
Usage
The data we collect serves multiple critical functions within our AI insurance ecosystem. We use this information to:
Provide Insurance Services: Underwrite policies, calculate premiums, monitor coverage, and process claims according to your policy terms.
Risk Assessment: Analyze AI usage patterns, detect hallucinations and harmful outputs, assess liability exposure, and determine appropriate coverage levels.
Claims Processing: Investigate incidents, verify damages, communicate with involved parties, and facilitate payment of approved claims.
Platform Functionality: Maintain and improve our dashboard, API services, monitoring tools, and reporting features.
Billing and Payments: Process transactions, generate invoices, manage subscriptions, and handle usage-based pricing calculations.
Customer Support: Respond to inquiries, troubleshoot technical issues, and provide guidance on coverage and claims.
Compliance: Meet legal and regulatory requirements, prevent fraud, ensure policy compliance, and maintain accurate records.
Product Development: Enhance our services, develop new features, improve risk models, and optimize our platform based on usage data.
Communications: Send policy updates, billing notifications, security alerts, and important service announcements.
Important: We never use your AI prompts, responses, or proprietary data to train our own models or share them with third parties except as necessary for providing insurance services or as required by law.
Data Protection
Alic employs state-of-the-art security protocols to safeguard your information. Our comprehensive approach includes:
Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption standards.
Access Controls: Multi-layered authentication processes, role-based access controls, and strict employee access limitations ensure only authorized personnel can access sensitive data.
Infrastructure Security: Our systems are hosted on SOC 2 Type II certified cloud infrastructure with continuous security monitoring and automated threat detection.
Data Isolation: Customer data is logically separated and isolated using enterprise-grade database segmentation.
Regular Audits: We conduct quarterly security audits, penetration testing, and vulnerability assessments performed by independent third parties.
Incident Response: We maintain a comprehensive incident response plan with 24/7 monitoring and rapid breach notification procedures.
Employee Training: All staff undergo regular security awareness training and are bound by strict confidentiality agreements.
Backup and Recovery: Automated daily backups with geographically distributed redundancy and tested disaster recovery procedures.
We treat your data with the highest level of confidentiality and implement industry-leading protective measures. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
User Rights
You have significant control over your personal information. Depending on your location, your rights may include:
Access: Request a copy of all personal data we hold about you, including usage logs and claims history.
Correction: Update or correct inaccurate or incomplete personal information at any time through your account dashboard.
Deletion: Request deletion of your personal data, subject to legal retention requirements and active policy obligations.
Portability: Receive your data in a structured, machine-readable format for transfer to another service provider.
Restriction: Limit how we process your personal information under certain circumstances.
Objection: Object to processing of your personal data for direct marketing or other purposes where we rely on legitimate interests.
Withdraw Consent: Revoke previously granted consent for data processing at any time.
Opt-Out: Unsubscribe from marketing communications while continuing to receive essential service notifications.
To exercise any of these rights, please contact us at privacy@alicinsures.com. We will respond to your request within 30 days. Please note that certain requests may require identity verification and may be subject to legal limitations.
California Residents: Under the CCPA, you have additional rights including the right to know what personal information we collect, disclose, or sell, and the right to opt-out of the sale of personal information. Alic does not sell personal information.
Data Sharing
We do not sell, rent, or trade your personal information. We may share your data only in the following limited circumstances:
Reinsurance Partners: We share necessary information with licensed reinsurance carriers who underwrite portions of your coverage. These partners are bound by strict confidentiality agreements.
Service Providers: Third-party vendors who perform services on our behalf, such as payment processing, cloud hosting, email delivery, and customer support tools. All vendors are contractually obligated to protect your data.
Claims Investigators: When processing claims, we may engage independent adjusters, legal counsel, or forensic experts who require access to relevant claim information.
Legal Compliance: We may disclose information when required by law, court order, subpoena, or government regulation, or when necessary to protect our rights, safety, or property.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.
With Your Consent: We may share data with third parties when you explicitly authorize us to do so.
All third parties with whom we share data are carefully vetted and required to maintain appropriate security measures and use your information only for the specified purposes.
Tracking
We use cookies and similar tracking technologies to enhance your experience, analyze platform usage, and improve our services:
Essential Cookies: Required for platform functionality, including authentication, session management, and security features.
Analytics Cookies: Help us understand how users interact with our platform, identify issues, and measure the effectiveness of features.
Preference Cookies: Remember your settings, language preferences, and dashboard customizations.
API Monitoring: Track API usage, performance metrics, and error rates for service optimization and billing purposes.
You can control cookie preferences through your browser settings. However, disabling certain cookies may limit platform functionality. We do not use cookies for advertising or tracking across third-party websites.
Our API monitoring automatically logs all requests for coverage verification, risk assessment, and billing. These logs include timestamps, endpoint paths, response codes, and associated metadata necessary for service delivery.
Data Handling
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal obligations:
Active Policies: All data related to active insurance policies is retained for the duration of coverage plus any applicable claims period.
Claims Data: Information related to filed claims is retained for a minimum of 7 years after claim closure for legal and regulatory compliance.
Usage Logs: API usage logs and monitoring data are retained for 12 months for billing verification and service optimization.
Closed Accounts: After account closure, we retain necessary records for 7 years to comply with insurance regulations, then permanently delete all data.
Marketing Data: Contact information for marketing purposes is retained until you opt-out or request deletion.
When data is no longer required, we securely delete or anonymize it using industry-standard methods. Backups containing personal data are also deleted according to our retention schedule.
Legal Hold: We may be required to retain data beyond standard retention periods if subject to legal holds, ongoing litigation, or regulatory investigations.
Privacy
International Data Transfers
Alic operates primarily in the United States. If you access our services from outside the U.S., your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate. These countries may have different data protection laws than your jurisdiction.
When we transfer data internationally, we implement appropriate safeguards such as Standard Contractual Clauses approved by relevant authorities and ensure all recipients provide adequate data protection.
Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. We will notify you of any material changes by:
Posting the updated policy on our website with a new "Last Updated" date
Sending email notification to your registered email address
Displaying a prominent notice in your account dashboard
We encourage you to review this policy periodically. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.
Contact
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Alic Insurance Services
Email: privacy@alicinsures.com
Support: support@alicinsures.com
Address: [Your Business Address]
Phone: [Your Phone Number]
For data protection inquiries specific to your jurisdiction:
EU/UK Residents: dpo@alic.com
California Residents (CCPA): ccpa@alicinsures.com
General Privacy Inquiries: privacy@alicinsures.com
We aim to respond to all inquiries within 30 days. For urgent matters related to data breaches or security incidents, please contact security@alicinsures.com immediately.
Last Updated: November 18, 2025
This Privacy Policy is effective as of November 18, 2025, and applies to all information collected by Alic Insurance Services. By using our services, you acknowledge that you have read and understood this policy.
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