ClaimAngel Privacy Policy

The following Privacy Policy (“the Policy”) applies to Claim Angel Inc. (a Delaware corporation) (“ClaimAngel”). Your privacy is important to us and ClaimAngel is committed to protecting the privacy and security of the personal information of those who use its website, and this Policy applies to activities ClaimAngel engages in on its website. ClaimAngel provides this notice to explain our policies and practices regarding your information and the choices you can make about the way your information is collected and used.

This Policy Does Not Apply to Attorney-Client Privilege and Related Doctrines

Nothing stated in this Policy is intended to, nor will it, establish an attorney-client relationship with the persons reading it. Information you provide to your attorney(s) in the context of an attorney-client relationship may be protected by confidentiality, the attorney-client privilege, the attorney work product doctrine and other similar protections (the “privileges”). The protection of such information and privileges is paramount and is governed by various ethical rules and laws that your attorney(s) abide by when an attorney-client relationship is established. Nothing stated in this Policy undermines those protections.

Personal Information We Collect and Use

General Information

When you use the Internet, the device or computer you use transmits certain information to servers that host the website you visit. The transmitted information may include the type of Internet browser you are using, the type of device or computer operating system you are using, your Internet Protocol (IP) address, the pages you visited on our website, and how you arrived at our website. We collect this information when you visit our website, and use it to make our website perform better, to create a better user experience, and to enhance the security of our systems.

Cookies

Cookies are small bits of text that are placed on your computer or device when you visit certain websites. The following are the types of Cookies we use on our website.

1. Essential Cookies (cannot be disabled)
   • Essential Cookies exist to ensure the core functionality of our website and also help us identify trusted web traffic. Without Essential Cookies, our website will not function properly. Therefore, Essential Cookies can only be disabled by changing your browser preferences. If you disable these Cookies, our website may not work for you.
2. Non-Essential Cookies (can be disabled)
   • We use “analytical cookies” to help us improve our website by collecting and reporting information on its usage. This type of cookie includes Google Analytics and may collect information about which pages you have visited and read.
   • A “user reference cookie” is used by us to personalize content for visitors to our website and is saved to your user account for future reference.

Your computer browser and personal devices contain settings that allow you to manage your cookie preferences. In most cases, you can adjust these settings to block or delete cookies on your computer or devices.

You also can usually adjust these settings to prevent cookies from being placed on your computer or devices. But making these adjustments may result in you having to reset your preferences each time you visit our website and may prevent you from accessing or enjoying the full functionality of our website. Please consult your browser and device settings and any user guides provided by the browser provider or device manufacturer to learn more about managing your cookies.

Personal Information

When you visit our website, such as when you use our online forms, request that we contact you, or review our blogs, we may collect and process different types of personal information. The type of personal information we collect from you will depend on how you are interacting with our website. The information we collect may include your name, job title or position, company, email address, phone number (including mobile number for service-related SMS), physical address, other contact details, contact preferences, topics of interest, and any other information you voluntarily provide.

We may collect information about you directly and automatically.

• We may collect information directly from you when you provide us with your name and email address using the contact and information gathering forms on our website.
• We may also collect information directly from you when you interact with our text or chat features.
• We may collect information automatically about you such as the pages you visit, the type of computer or device you are using, or the type of browser you are using.
• Your attorney or other representative may also share your contact information with us, such as email or phone number, as permitted by you, because of your interest or expected interest in the content of our website.

How We May Use Your Personal Information

ClaimAngel takes your privacy and security seriously. ClaimAngel believes that any information we collect from you or about you is necessary to our business and services, and also to provide you with the information and services you expect when you interact with us. The information we collect and use allows us to provide superior service to you.

ClaimAngel uses the information we collect for the purposes for which it is provided to us (for example, to contact you or provide information about our services). We may also use your information in other ways for our business purposes and to provide you with the services you request and expect from us, including but not limited to the following:

• to provide services to our clients
• to administer and improve our services, including solving technical problems and monitoring overall usage statistics
• for marketing and promotional purposes, product development, and content improvement
• to contact you and provide you with the information or services you have requested
• for identification and authentication purposes where access requires pre-authorization
• to comply with applicable laws, regulations, and court orders
• to assist third parties in protecting your information
• to ensure the technical functioning and security of our network

When you consent to our Privacy Policy, you agree to the use of your Personal Information as described here.

Service Messaging Program

ClaimAngel may send you service-related telephone calls and text messages about your ClaimAngel Account, application, and funding transactions. These communications may be sent manually by staff or automatically using an autodialer.

Opt-out & Help

You may opt out of text messages at any time by replying STOP, or by contacting us through any reasonable method listed in this Privacy Policy or through our support channels. You may request help by replying HELP. ClaimAngel and/or carriers are not liable for delayed or undelivered messages.

Scope

These communications are strictly limited to service notifications necessary to deliver ClaimAngel Services. We do not send marketing or promotional text messages without your separate, express written consent.Message frequency will vary. Msg & data rates may apply.

Condition of Service

Because these service communications are necessary to provide ClaimAngel Services, they are a condition of using our platform. Blocking them may impair your ability to access or use the Services.

Third-Party Processors

We may use service providers to originate and deliver messages on our behalf. These providers may process your phone number and message metadata solely for this purpose and are not permitted to use your information for their own purposes.

Consent Records

We maintain records of your SMS consent, including your phone number, the time and source of consent, and the version of our terms in effect at that time.

How We Share Your Personal Information

We do not sell, rent, trade or otherwise disclose personal information collected through our website, except as described in this privacy policy. We may share your information within ClaimAngel or with:

• Third Parties Who Assist Us in Providing Our Website and Services: We use others to help us provide some of our products and services (such as maintenance, IT support, analysis, audit, marketing, and security). Unless we tell you differently or as described elsewhere in this Privacy Policy, our agents, affiliates and vendors are not allowed to use your information beyond what is needed to assist us.
• Legal Representatives and New Owners: We may disclose or transfer your personal information to a third party in the event of a business transition, merger, sale or change of control involving ClaimAngel.
• Legal/Regulatory Authorities or Those with Court Orders/Subpoenas: We may be required to respond to requests for your information from various authorities, including law enforcement or other government or regulatory agencies in accordance with applicable laws or regulations. We also may have to disclose certain information to auditors, government authorities, or other authorized individuals in order to comply with laws that apply to us or other legal obligations such as contractual requirements. We may also be ordered by a Court or other judicial body to disclose certain information.

How We Protect Your Personal Information

ClaimAngel strives to implement and maintain appropriate security measures to safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees are allowed to access personal information, and they may only access it for approved reasons.

We also use technology to protect your information, including encrypting sensitive personal information and using firewalls to help stop unauthorized persons from accessing information.

If you have an online account on our website, your account is protected by a password you create for your privacy and security. It is imperative that you do not share your login credentials and prevent unauthorized access to your account (and personal information). You must select and protect your password appropriately, as well as limit access to your devices. You must also always sign off after you have finished accessing your account.

While we cannot guarantee that loss, misuse, or alteration of information will never occur, we use reasonable efforts to prevent it. Please keep in mind that no method of storage or transmission over the Internet is completely secure, so when you use our website or services or provide us with information, it is at your own risk.

Please be aware that our website may contain links to other sites on the Internet that are not owned and operated by ClaimAngel. Those websites are operated by third parties. The information practices of those websites linked to our website are not covered by this Privacy Policy. We are not responsible for the privacy policies of websites to which our website links. If you provide any information to third parties, different rules regarding the collection and use of your personal information will apply. We suggest you review the third party’s privacy policies before providing any information to them.

Your Privacy Rights

For the personal information that we collect from you, you have the following rights and choices that we will accommodate where your requests meet legal and regulatory requirements and do not risk making other information less secure or changing other information:

Opt Out, Object, Withdraw Consent

You can always choose not to disclose certain information to us. Where we rely on your consent to process your personal information, you have the right to withdraw or decline consent at any time.

• If you have provided us with your email address and you would like to stop receiving marketing emails from us, click on the unsubscribe link at the bottom of any of our email communications.
• If you do not wish to receive marketing communications from us via direct mail, or if you want to request that we do not share your contact information with our marketing partners, please contact us using the methods in the Contact Us section (below) and include your name, address, and any other specific contact information that you wish to restrict.
• To stop receiving text messages, reply STOP to any message or contact us using any reasonable method described in this Privacy Policy.

Access, Correct, Update, Restrict Processing, Erase

You may have the right to access, correct, and update your information. You also may request that we restrict processing of your information or erase it. To ensure that all of your personal information is correct and up to date, or to ask that we restrict processing or erase your information, please contact us using the methods in the Contact Us section below and include your name, address, and any other specific contact information that you wish to restrict, correct, or erase.

Data Portability

If you would like to request that we provide a copy of your information to you, please contact us using the methods in the Contact Us section below.

Responding to Requests

Each request to access, correct, restrict processing, erase, or provide a copy of information will be evaluated to determine whether the request meets legal regulatory requirements and does not risk making our other information less secure or changing our other information.

Complaints to Supervisory Authority

If you find yourself in the European Economic Area, European Union, or Switzerland, you have the right to lodge a complaint with a supervisory authority of the European Union or European Economic Area according to that authority’s rules and procedures.

If you would like to make a request regarding your personal information, please contact us at privacy@claimangel.com.

Your California Privacy Rights

Pursuant to California Civil Code Section 1798.83(c)(2), California law requires us to inform California residents who have provided us with personal information that they may request information from us about our disclosures to third parties for their direct marketing purposes. ClaimAngel does not share individuals’ personal information with third parties outside of ClaimAngel for those parties’ direct marketing use. To request information, please contact us at privacy@claimangel.com.

ClaimAngel has collected the following types of information from users within the past twelve (12) months:

• Name;
• Contact details and preferences, including physical address, email address, phone number, and other contact and identifying information that individuals have chosen to provide to us;
• Financial information;
• Medical and health information;
• Information related to claims for damages by users or clients of users;
• Professional or employment-related information;
• Internet and electronic network activity information; and
• Topics of interest to the individual.

Within the past twelve (12) months, ClaimAngel has not sold information about consumers or disclosed information about consumers for a business purpose to a third party.

Notice to Residents of the EU, EEA, and Switzerland

If you are considered a “data subject” under the laws of the European Economic Area, European Union, or Switzerland, ClaimAngel is committed to respecting your rights as a data subject under the applicable laws of these countries. If you have a privacy concern or questions about how your personal information is used, please contact us at privacy@claimangel.com, or by using any of the methods listed in the Contact Us section below.

Our Privacy Principles

• Information will be processed fairly and in accordance with applicable law.
• Information will be collected for specified and legitimate purposes, and will not be processed in ways that are incompatible with those purposes.
• Information collection and use will be limited to what is relevant for the specified purposes and will not be excessive. We will limit the amount and type of information gathered to what is necessary for the uses and purposes defined in this Privacy Policy.
• We will only collect and process personal information about you where we have a lawful basis. Lawful bases include consent (where you have given consent), contract (where we must process your personal information based on a contract we have with you, for example, to deliver requested products or services), and legitimate interests (where processing is necessary for the purposes of compelling legitimate interests of ClaimAngel that are not overridden by your rights).
• Data subjects in the European Union, European Economic Area, and Switzerland may be asked to provide their clear and unambiguous consent for collection, processing, and transfer of their personal information. Where we process personal information based on consent, consent can be withdrawn at any time.
• We will keep your personal information as accurate, complete, and up-to-date as necessary and practical, and we will take reasonable steps to correct or delete personal information that is inaccurate or incomplete. If you think that your information is inaccurate or incomplete, please contact us using the methods in the Contact Us section below.
• Information will only be kept where it is necessary for the purposes for which it was collected and processed. Those purposes are defined in this Privacy Policy and in our Terms of Use.
• We are required by law to comply with many rules and regulations that require us to keep information, including your personal information, for different time periods. We must evaluate any request to change or delete information, including your information, prior to fulfilling such request to make sure that the requested change or deletion meets legal regulatory requirements and does not change our other information or make it less secure. We will keep information for as long as is necessary to comply with legal or regulatory obligations.
• Your information will be deleted or amended if we receive a relevant request from you, if we are permitted by law to do so, and if making the change does not risk making other information less secure or risk changing other information. Please contact us using the methods in the Contact Us section below to submit a request.
• We have taken appropriate measures to prevent unauthorized access, loss, use, or damage to your personal information.

International Transfers of Personal Information

If you are located outside the United States and you interact with our website or provide your personal information, then your personal information may be transferred to the United States. If you are located in the European Economic Area, European Union, or Switzerland, please note that the United States currently is not on the list of countries that the European Commission considers adequate regarding the protection of personal information.

Changes to This Policy

ClaimAngel reserves the right to modify or change this Privacy Policy at any time. When we make a material change to this Privacy Policy, we will inform you by changing the date on this page noting when the Privacy Policy was last updated.

Contact Us

If you have any questions about this Privacy Policy or how we process your personal information, please contact us by sending an email to privacy@claimangel.com or writing to:

Claim Angel Inc.

Attn: Privacy Officer
5801 Congress Avenue
Boca Raton, FL 33487

Additional Information

ClaimAngel also uses Google Firebase, which provides tools to allow ClaimAngel to run its mobile application and access data across our platforms, including user data. For more information on Firebase privacy terms, please visit: https://firebase.google.com/support/privacy.

Use of the Dwolla Payment Platform

In order to use the ACH functionality of ClaimAngel, you must open a “Dwolla Platform” account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Dwolla Privacy Policy. Any funds held in the Dwolla account are held by Dwolla’s financial institution partners as set out in the Dwolla Terms of Service. You authorize ClaimAngel to share your identity and account data with Dwolla for the purposes of opening and supporting your Dwolla account, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through ClaimAngel, and Dwolla account notifications will be sent by ClaimAngel, not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at support@claimangel.com.