Privacy Policy

Fennel Insure Inc., doing business as Fennel Insurance Services (“Fennel,” “we,” or “us”) operates fennel.insure. We are a licensed commercial insurance broker based in California. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

We use your information to:

• Provide the brokerage service — parse contracts, generate quotes, bind policies, deliver COIs
• Communicate with you about your policies, renewals, and account
• Process subscription billing via Stripe
• Measure and improve the Service, including product analytics and marketing attribution
• Improve the AI contract parser using aggregate, anonymised patterns (never individual documents)
• Comply with legal and regulatory obligations as a licensed insurance broker
• Prevent fraud and enforce our Terms of Service

We do not sell your personal information for money. See Section 11 regarding “sharing” for advertising under California law.

Uploaded contracts are stored in Supabase Storage with row-level security — only you can access your own files. Documents are used solely to extract insurance requirements for your benefit. We do not share your contracts with third parties except as described in Section 4.

You may delete your uploaded contracts at any time from your account. Deletion removes the file from storage; AI parse results derived from the document may be retained for audit purposes.

We use cookies and similar technologies for two purposes: to keep the platform working, and to understand usage and measure marketing.

You can control cookies through your browser settings and can opt out of many advertising cookies via the partners' own tools or industry opt-outs (e.g., the Digital Advertising Alliance). California residents may also opt out of “sharing” as described in Section 11.

Fennel uses AI to read your contracts and suggest insurance requirements, and to help generate quotes. These outputs are recommendations that support—but do not replace—your decisions and human review. We do not use AI to make legally or similarly significant decisions about you without a person in the loop, and binding a policy always requires your explicit confirmation. You can contact us to ask about how a particular automated output was produced.

With your consent where required, we may send you product updates and marketing emails. You can unsubscribe at any time using the link in those emails or by contacting us; opting out of marketing does not stop transactional messages about your account, policies, or renewals. If you opt in to text messages, you can reply STOP to stop them (see the Terms of Service).

We retain your account information and policy records for as long as your account is active and for a reasonable period afterward as required by insurance regulations (typically 5 years for brokerage records under California law). You may request deletion of your account; we will comply except where retention is required by law.

We use industry-standard security measures including TLS encryption in transit, encrypted storage at rest, and row-level security on all database tables. Access to production systems is restricted to authorised personnel. We are hosted on SOC 2-compliant infrastructure (Supabase, Vercel).

No system is completely secure. In the event of a data breach affecting your personal information, we will notify you as required by applicable law.

California residents have the right to know what personal information is collected, to access and delete it, to correct inaccurate information, and to opt out of the “sale” or “sharing” of personal information. Fennel does not sell your personal information for money. However, our use of advertising and analytics partners (Section 6) may constitute “sharing” for cross-context behavioral advertising under the CPRA.

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

• Access the personal information we hold about you
• Correct inaccurate information
• Delete your account and associated data (subject to legal retention requirements)
• Export your data in a portable format
• Opt out of non-essential communications and advertising

To exercise these rights, email privacy@fennel.insure. We will verify your request and respond within the timeframe required by applicable law.

Fennel is operated from the United States and our infrastructure and sub-processors are primarily located in the U.S. If you access the Service from outside the United States, you understand that your information will be transferred to, stored, and processed in the U.S., where data-protection laws may differ from those in your country. Where required, we rely on appropriate safeguards for such transfers.

The Service is not directed to children under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us information, contact us and we will delete it.

We may update this Privacy Policy from time to time. We will notify you by email or platform notice before material changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated policy.

Privacy questions or requests: privacy@fennel.insure
Fennel Insure Inc. dba Fennel Insurance Services, San Francisco, CA