Privacy & Security

This privacy policy explains how Climate First Insurance Inc. ("we" or "us") collects, uses, shares and protects information collected through our websites, technology, applications, content, products, and services (the "Platform").

1. Information we collect

We may collect the following kinds of information:

1.1. Information you provide

Climate First Insurance Inc. collects information from you when you provide it to us. This happens when you register for our website, use the Platform, or communicate with us, such as through our website, applications, email, SMS, over the telephone or in person. The information you provide us may include information that personally identifies you (“Personal Information” or “PII”), such as name, email address, phone number or your mailing address. We also may collect your credit card or bank information in order to process payments.

You may also provide us information about a person whose care is being managed through the Platform, such as that person’s Personal Information, medical status, and special needs and preferences. You agree not to provide us information about any other person unless you have that person’s express permission.

1.2. Information provided to caregivers

You or the care-recipient may provide information to caregivers (“Caregivers”) or other Climate First Insurance Inc. employees. Climate First Insurance Inc. employees and agents will use the Platform to manage and communicate with you about the services that HVT provides, including by entering information about the services and the recipient of the services into the application and websites.

1.3. Information from cookies and similar devices

Climate First Insurance Inc. uses cookies, web beacons, embedded scripts and similar methods to collect information about how users use and interact with our services through our website and applications. Cookies can also be used to remember you and your preferences. You can disable cookies through your browser settings, in which case some of the features of our services may not function properly.

1.4. Information from mobile devices

If you are interacting with our website or applications on a mobile device, your mobile carrier may automatically send us your device and hardware ID, device type, carrier, carrier user ID, the content of your request and basic usage statistics about your device and usage of our website or applications. We do not store this information or use it for any purpose. If you provide it to us or send us a message from your mobile device, we may also collect your phone number. Your device may also store information about your usage of our website and applications. Please consult your device documentation on how to manage local storage.

1.5. Information based on standard web protocols

When you access our website through a browser, application or other client, like other web providers, our servers automatically record certain information. This data is recorded in server logs and may include information such as your web request, your interaction with the website, the website that you were visiting when you came to our website, your Internet Protocol (IP) address, your browser type and language, the date and time of your request, and your cookie data.

2. How we use the information we collect

Information we collect is used to provide, maintain and improve the services offered by Climate First Insurance Inc.. We also use information internally to design and develop new services. We may combine information we collect from various sources to improve the efficacy of our service offerings. We may perform statistical, demographic and marketing analyses, including to determine how users interact with the Platform, the level of interest in the Platform, and to customize products and services for you. We may use information to contact you about the services, and send you information that you have requested.

3. How we share the information we collect

Climate First Insurance Inc. may share Personal Information with people or organizations that you authorize, including family members and people you have engaged to provide other services, such as doctors or other care providers;

With companies with whom we have contracted to provide services on our behalf, such as web hosting services, application development, analytics, security, and data processing. These companies are obligated to maintain the confidentiality of any Personal Information they receive from us and are restricted from using it for any purpose that is incompatible with the uses set forth in this privacy policy.

With our corporate subsidiaries or affiliates. Any Personal Information provided to Climate First Insurance Inc.’s subsidiaries or affiliates will be treated in accordance with the terms of this privacy policy.

Where we have a good faith belief that it is necessary to (a) satisfy any applicable law, regulation, legal process or governmental requirement; (b) enforce any applicable terms of our Platform, (c) detect, prevent or otherwise address fraud, security or technical issues or (d) protect against harm to the rights, property or safety of Climate First Insurance Inc., its partners, its users or the public.

If Climate First Insurance Inc. undergoes any merger or sale of its stock or some or all of its assets, we may transfer your Personal Information to the successor entity so long as it continues to maintain that information in accordance with the privacy policy under which it was collected.

4. Security

We recognize that security is important and take reasonable measures to protect your Personal Information from loss, misuse or unauthorized access, disclosure, alteration or destruction. We regularly review our physical and digital security, storage, and processing to ensure adherence to industry best practices.

If you believe that the Personal Information you have provided us has been compromised, or if you become aware of a potential security vulnerability in our Platform, please contact us at legal@climatefirstinsurance.com.

5. Communicating with you

You agree that Climate First Insurance Inc. may send you communications relating to your account and the Climate First Insurance Inc. services. These communications may be through email, telephone, SMS or notifications through applications. You can elect not to receive certain marketing messages from Climate First Insurance Inc. by email by following the instructions in the email or by contacting us, but you cannot elect not to receive administrative messages relating to your account or legal matters. You consent to receiving all legally-required notifications from HVT through display on our website, through the email you provide to us, or through the email associated with your HVT account.

6. Third-party websites

There may be places on our website where you may click on a link to access other websites that do not operate under this privacy policy. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites. We recommend that you consult the privacy statements of all third-party websites you visit by clicking on the “privacy” link typically located at the bottom of the webpage you are visiting.

7. Children’s Online Privacy Protection Act

This website is intended for use by persons over the age of 18. Climate First Insurance Inc. does not seek to collect information about children under the age of 18. No information should be submitted to or posted on this website by users under 18 years of age. If you believe that we might have any information from a child under age 18, please contact us at legal@climatefirstinsurance.com.

8. Do not track

Climate First Insurance Inc. does not track its customers over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals.

9. Compliance

We review compliance with our privacy policy regularly and adhere to evolving industry best-practices for protecting privacy. When we receive formal written complaints, we will contact the person who made the complaint to determine whether modifications to our policies and procedures should be made.

10. Changes to this privacy policy

We will occasionally update this privacy policy. When we post changes to this privacy policy, we will revise the ‘last updated’ date at the top of this privacy policy. We recommend that you check our website from time to time to inform yourself of any changes in this privacy policy or any of our other policies.