Privacy Policy

Who We Are

Insurance Guy is a product operated by Have-A-Guy, a solo-founded business based in Miami-Dade County, Florida. Insurance Guy is a mobile and web app that helps you track all of your insurance policies in one place, get reminders when payments are due or policies are up for renewal, and keep an organized view of your coverage.

We are not an insurance company, insurance broker, or insurance agent. We do not sell insurance, recommend policies, compare coverage, or contact insurance companies or agents on your behalf. You manage your own insurance relationships — we just help you stay organized and on top of deadlines.

What Information We Collect

We collect information in five categories:

1. Account Information

When you create an account, we collect:

• Your name
• Your email address
• Your phone number (used for future SMS reminders — see the SMS section below)
• Your password (stored in encrypted form — we never see your plain-text password)

2. Insurance Policy Details

When you add a policy to the app, you enter or upload details such as:

• Policy type (homeowners, auto, renters, liability, health, life, umbrella, flood, etc.)
• Insurance carrier or company name
• Policy number
• Agent name and contact information
• Premium amount
• Billing frequency (monthly or annual)
• Renewal date and payment due dates
• Mortgage company information (where applicable, such as when a mortgage company pays certain policies on your behalf)

3. Uploaded Documents

You may upload insurance policy documents (PDFs, images) so the app can automatically extract key details like your agent's name, premium amount, and billing frequency. These documents may contain personal information such as your name, address, property details, and in some cases sensitive identifiers like Social Security numbers or driver's license numbers.

Important: We do not require your Social Security number or driver's license number to use Insurance Guy. When our system extracts information from your uploaded documents, we actively filter out and do not store Social Security numbers or driver's license numbers. This is a core part of our data minimization approach — we only keep what we need to provide the service, and we never need your SSN or license number to send you a payment reminder.

4. Usage Information

We collect basic information about how you interact with the app, such as:

• When you log in
• Which features you use
• How often you access the app
• Actions you take within the app (adding policies, updating information, etc.)

5. Technical and Device Information

When you use the app, we automatically collect:

• IP address
• Device type (phone, tablet, computer)
• Browser or operating system
• Approximate location (based on IP address)

How We Use Your Information

We use your information to:

• Provide the service — create and maintain your account, store and display your policy information, and give you an organized view of your coverage
• Send reminders — email you (and eventually text you) when policy payments are due or policies are about to renew, so you never miss a deadline
• Process payments — handle your subscription ($4.99/month or $49/year) through our payment provider, Stripe
• Improve the product — understand how users interact with the app so we can make it better, fix bugs, and develop new features
• Communicate with you — respond to your questions, send account-related notices, and share important updates about the service
• Protect the service — detect and prevent fraud, abuse, and unauthorized access
• Comply with legal obligations — respond to lawful requests and meet applicable legal requirements

How We Store and Protect Your Data

Encryption

• Your data is encrypted in transit (when it travels between your device and our servers) using industry-standard TLS/SSL encryption.
• Your data is encrypted at rest (when stored on our servers) so it is not readable without authorization.
• Your password is never stored in plain text. We use one-way hashing, which means even we cannot see your actual password.

Access Controls

Access to your data is strictly limited. Only the founder/operator has access to the systems that store user data, and access is protected by authentication and monitoring. We do not grant broad internal access to user information.

Data Retention

We keep your policy data only for as long as your account is active, plus a short grace period (up to 90 days after account closure) in case you change your mind and want to reactivate your account. After that grace period, your data is permanently deleted.

If you simply stop using the app without formally closing your account, we will retain your data for up to 12 months of inactivity before deleting it. You can request deletion at any time (see Your Rights below).

Data Minimization

We follow a strict data minimization principle: we only collect and store what we actually need to run the service. As mentioned above, we actively strip out Social Security numbers and driver's license numbers from extracted document data because we do not need them to provide our service. We do not ask for them, and we do not want them.

What We Do NOT Do

We want to be crystal clear about this:

• We do not sell your data. Not to anyone. Not ever. This is not a business model for us.
• We are not an insurance broker or agent. We do not sell, recommend, compare, or advise on insurance policies.
• We do not share your policy data with your insurance company or agent. You contact your own agent when you need to make changes, file a claim, or renew a policy. Insurance Guy is a personal tracking tool — not a go-between.
• We do not use your data to target you with insurance advertisements.
• We do not require sensitive identifiers like your Social Security number or driver's license number. If they appear in documents you upload, we filter them out from our stored data.

Sharing and Disclosure

We do not sell, rent, or trade your personal information. We share your data only in these specific situations:

Service Providers

We use trusted third-party services to operate Insurance Guy. These providers have access to limited data needed to perform their function and are bound by their own privacy and security obligations:

• Stripe — processes subscription payments. Stripe receives payment-related information (such as your email and billing details) but does not receive your insurance policy data. You can read Stripe's privacy policy at stripe.com/privacy.
• Transactional Email Service — sends your payment and renewal reminder emails. This provider receives your email address and the reminder content, but not your full policy details.
• SMS Provider (when active) — will send text message reminders. This provider will receive your phone number and reminder content. See the SMS section below for details.
• Cloud Hosting Provider — stores your account data and uploaded documents on secure servers.

Each of these providers has their own privacy policy, and we encourage you to review them.

Legal Requirements

We may disclose your information if required to do so by law, such as in response to a valid subpoena, court order, or government request. We would only share what is legally required and nothing more.

With Your Consent

We may share your information with third parties if you explicitly ask us to or give us permission to do so.

Business Transfers

If Insurance Guy or Have-A-Guy were ever acquired by or merged with another company, user data would be part of that transfer. We would notify you before that happens and give you the opportunity to delete your data beforehand.

Your Rights

You have control over your data. Here's what you can do:

• Access your data — see what information we have stored about you
• Update or correct your data — fix typos, update a policy number, change your contact information, or correct anything that's wrong
• Delete your data — ask us to permanently delete your account and all associated data
• Export your data — request a copy of your policy information in a portable format so you can take it with you
• Opt out of reminders — turn off email or SMS reminders at any time (you can do this in the app or by emailing us)
• Close your account — cancel your subscription and close your account at any time

How to exercise these rights: Email us at ins@haveaguy.online with your request. We will respond within 30 days and will never charge you for exercising your privacy rights. You do not need to give us a reason — just tell us what you'd like to do.

For California residents: We aim to comply with the California Consumer Privacy Act (CCPA) and its privacy protections. The rights described above reflect the rights available to California residents under that law. If you are a California resident and believe we have not met our obligations, email us and we will work to resolve it.

For Florida residents: We aim to comply with the Florida Digital Bill of Rights and applicable Florida consumer protection laws. The rights described above are available to all users, including Florida residents.

Children's Privacy

Insurance Guy is not intended for anyone under 18 years of age. We do not knowingly collect information from children. If you believe a minor has provided us with personal information, please email us at ins@haveaguy.online and we will promptly delete it.

SMS / Text Message Reminders

Insurance Guy plans to offer text message (SMS) reminders for policy payments and renewals. This feature is not yet active, but we are including this section now so this policy is ready when it launches.

How it works:

• If you provide your phone number and opt in to SMS reminders, we will send you text messages when payments are due or policies are about to renew
• Message frequency varies based on how many policies you track and when your payments are due — typically a few messages per month
• Standard message and data rates may apply depending on your mobile carrier plan
• You can opt out of SMS reminders at any time by replying STOP to any message we send
• For help with SMS reminders, reply HELP to any message

By providing your phone number and enabling SMS reminders, you consent to receive these messages. You can withdraw that consent at any time by replying STOP, disabling SMS in the app, or emailing us.

We will never send promotional or marketing text messages without your separate, explicit consent.

Cookies and Tracking

Insurance Guy uses minimal cookies and tracking technologies:

Essential Cookies

We use essential cookies to keep you logged in and make the app function properly. These are required for the service to work — without them, you'd have to log in again on every page.

Analytics (If Used)

If we use analytics tools to understand app usage and improve the product, they may use cookies to collect usage data. We use this information in aggregate form (not tied to your identity) to understand trends and improve the app.

What We Don't Do

• We do not use cookies for targeted advertising
• We do not sell cookie data to third parties
• We do not track you across other websites or apps

You can control cookies through your browser or device settings. Disabling essential cookies will affect app functionality, but analytics cookies can typically be blocked without issue.

Data Breach Response

We take the security of your data seriously and work to prevent unauthorized access. In the event of a data breach that compromises your personal information, we will:

• Investigate and contain the breach as quickly as possible
• Notify affected users promptly and within the timeframe required by applicable law (including Florida's breach notification requirements)
• Provide clear information about what happened, what data was affected, and what steps you can take to protect yourself
• Take corrective action to prevent similar incidents in the future

We are committed to transparency. If something goes wrong, you will hear about it from us — not from the news.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time as Insurance Guy evolves, new features are added, or laws change. When we make material changes (changes that meaningfully affect how we handle your data), we will:

• Update the “Effective Date” at the top of this policy
• Notify you by email at the address on file with your account
• Post the updated policy in the app and on our website at least 30 days before the changes take effect

We encourage you to review this policy periodically. Continued use of Insurance Guy after changes take effect means you accept the updated policy.

Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy or your personal data, we want to hear from you.

Email: ins@haveaguy.online

We are a small, solo-operated business, but we take your privacy seriously and will respond to your inquiry as promptly as we can — typically within 30 days for data-related requests.