Faye Privacy Policy

Last updated: Aug 1, 2024

In order to ensure transparency and give you more control over your personal information, this privacy policy (“Privacy Policy”) governs how we, Zenner, Inc., doing business as Faye (“Faye”, “Zenner”, “we”, “our” or “us”) use, collect and store personal information that we collect or receive from or about you (“you”) in connection with our website https://www.withfaye.com/ (the “Website”) and the services provided therein, as well as when you make use of, or interact with, mobile software application or any other application that we make available to you (collectively, the “Services”).

We greatly respect your privacy, which is why we make every effort to provide a platform that would live up to the highest user privacy standards. Please read this Privacy Policy carefully, so you can fully understand our practices in relation to personal information. Important note: Nothing in this Privacy Policy is intended to limit in any way your statutory rights, including your rights to a remedy or other means of enforcement

Table of contents:

What personal information we collect, why we collect it, and how it is used
How we protect and retain your personal information
How we share your personal information
Your privacy rights
Use by children
Interaction with third party products
Analytic tools
Specific provisions applicable under California privacy law
Contact us

This Privacy Policy can be updated from time to time and, therefore, we ask you to check back periodically for the latest version of this Privacy Policy. If we implement material changes in the way we use your information, in a manner that is different from that stated at the time of collection, we will notify you by posting a notice on our Website or by other means and take any additional steps as required by applicable law.

WHAT PERSONAL INFORMATION WE COLLECT, WHY WE COLLECT IT, AND HOW IT IS USED

We Process the Following personal information
1. Personal Information You Provide Directly to Us.
  1. We collect the following Personal Information you provide directly to us, when you request an insurance as part of our Services offering: full name, email address, phone number, vehicle information, driver’s license number, home address, passport number, billing and payment information (date of payment, method, charge backs and bank details), the insurance that you want to purchase and associated data, date of birth, social security number, passport number, marital status, traveler and family member information (for the insurance that you may purchase), policy coverages, travel destination and dates related information (including trip destination search), information regarding your flight, driving records, credit information, past insurance claim information, as well as any other information that you decide to provide/supply us with when you communicate with Zenner (via email, website or telephone).
    1. Zenner may also collect documents or images that you may provide in connection with the claims and underwriting processes, including images of your identification documents and vehicle.
    2. In addition, in the context of the Services, you are allowed to upload documents for your trip, including a copy or picture of your passport, emergency contact information, languages, tickets and reservation information, and any other information that you decide to upload or add to your account.
    3. We collect the following personal information you provide directly to us, when you browse, visit and make use of our Website: full name, email address, phone number, personal information that you complete on the online forms. In addition, when you decide to submit your information to our Career’s site, we collect full name, email address, phone number, CV/resume, LinkedIn profile URL, personal website, cover letter, portfolio, personal note.
2. Personal Information from Other Sources.
  1. Zenner obtains information about you and others when you apply for insurance, when you or other users use or access the Services, when we obtain information from public records, and when third parties provide information or services to Zenner to support Zenner’s provision of the Services. Such third parties may include government authorities, consumer reporting agencies, doctors or hospitals, insurance agencies, claims adjusters, actuarial data providers, and business partners who support our business.
  2. Zenner may also obtain information about you from other sources, including publicly - or commercially- available information, and through third-party data platforms and partners (for example, lead generation companies).
  3. Automatic Data Collection. We may automatically collect certain information through your use of the Zenner Website, and Services, such as your Internet protocol (IP) address, cookie identifiers and other device identifiers that are automatically assigned to your device, browser type and language, geo-location information, hardware type, operating system, internet service provider and other information about actions taken through the use of the Zenner Services and Website.
  4. Personal information we collect from online interactions. For example, if you attend a webinar, contact us via social media or otherwise interact with our business, including as a representative of a current / prospective customer, supplier or partner, we track and make a record of those interactions, which may contain your contact details, such as full name, email address, messages and any other information that you decide to provide us with.
  5. We process information for the following purposes:
    1. To provide you with the Zenner Services. Zenner will use your information to provide the Zenner Services. For example, if you request insurance coverage, we will use the information to: (i) process your request; (ii) communicate with you about the options that you have for the requested insurance; (iii) fulfill any orders for the insurance policy and our Services ; (iv) track transactions conducted by you; (v) provide your with the Servies, including the features which allow you to keep information of your trip and copy of your documents; (vi) send you more information about our Services and offerings; and (vii) to personalize your experience with the Zenner Services. We may use your information to contact you about incomplete applications or other forms and submissions available through the Services.
    2. To allow you to make use of our Website. We will use your personal information to allow you to make use of our Website, including, (i) to answer your questions and to allow you to communicate with us (e.g., by using the Website chat); (ii) to analyze your use of our Website and to improve our Website; and (iii) to customize your experience.
    3. For Administrative Purposes. Zenner may use your information (i) to respond to your questions, comments, and other requests for customer support, or information, including information about potential or future services; (ii) to provide you with the Zenner Services and the Website; (iii) for internal quality control purposes; (iv) to establish a business relationship; and (v) to generally administer the Zenner Services and the Website.
    4. To Market the Zenner Services and the Website. Zenner may use your Personal Information to market the Zenner Services and the Website. Such use includes (i) notifying you about offers and services that may be of interest to you; (ii) tailoring content, advertisements, and offers for you, including, targeting and re-targeting practices; (iii) conducting market research; (iv) developing and marketing new products and services, and to measure interest in Zenner’s Services; (v) other purposes disclosed at the time you provide information; (vi) as you otherwise consent; and (v) to send you communications, for example, for you to leave us a review on our Website.
    5. Security purposes. Some of the above mentioned information will be used for detecting, taking steps to prevent and prosecuting fraud or other illegal activity; to identify and repair errors; to conduct audits; and for security purposes. Information may also be used to comply with applicable laws, with investigations performed by the relevant authorities, law enforcement purposes, and/or to exercise or defend legal claims.
    6. De-identified and Aggregated Information Use. In certain cases, we may or will anonymize or de-identify your Information and further use it for internal and external purposes, including, without limitation, to improve the services and for research purposes. We may use this anonymous or de-identified information and/or disclose it to third parties without restrictions (for example, in order to improve our services and enhance your experience with them).
    7. Technologies. We may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through the Zenner Services and Website. We use Technologies that are essentially small data files placed on your device that allow us to record certain pieces of information whenever you visit or interact with the Zenner Services and Website. If you would like to opt out of the Technologies we employ on the Zenner Services and Website, you may do so by blocking, deleting, or disabling them as your browser or device permits. If you would like to find out more about cookies and their use on the Internet, you may find the following link useful: All About Cookies. You can opt out of Google's use of cookies or device identifiers by visiting Google's Ads Settings. Alternatively, you can point your visitors to opt out of a third-party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page or control the use of device identifiers by using their device’s settings or browsers:

HOW WE PROTECT AND RETAIN YOUR INFORMATION

Security. We have implemented and maintain reasonable technical, organizational and security measures designed to protect your information. However, please note that we cannot guarantee that the information will not be compromised as a result of unauthorized penetration to our servers. As the security of information depends in part on the security of the computer, device or network you use to communicate with us and the security you use to protect your user IDs and passwords, please make sure to take appropriate measures to protect this information.
Retention of your information. Your information will be stored until we delete our records, and we proactively delete it, or if you send a valid deletion request. Please note that in some circumstances we may store your information for longer periods of time, for example (i) where we are required to do so in accordance with legal, regulatory, tax or accounting requirements, or (ii) for us to have an accurate record of your dealings with us in the event of any complaints or challenges, and/or (iii) if we reasonably believe there is a prospect of litigation relating to your information or dealings.

HOW WE SHARE YOUR INFORMATION

We may share your information as follows: The information Zenner gathers is shared with our partners and other third parties. For example, when you generate a quote through our partners' websites and purchase an insurance policy through Zenner, we may share your email address with these partners for the purpose of enabling these partners to provide you with additional incentives or benefits linked to your policy purchase. We disclose your information as is necessary for us to provide you with the insurance Services you expect us to provide, including, without limitation, insurers, reinsurers, insurance intermediaries, brokers, reinsurance brokers, wholesale brokers, underwriters, actuaries, insurance reference bureaus, fraud detection agencies, advisers, loss adjusters, claim adjusters, lawyers, accountants, bookkeeping and others involved in the insurance production, and insurance claims handling process. For example, we may share some of your information with an insurance carrier and/or an independent insurance agency for the purpose of obtaining a quote. In addition, we may share your personal information with business partners with whom we offer joint product and/or services that you may decide to use and/or purchase, as applicable.
1. Please Note: Third party insurance carriers and independent insurance agencies have their own privacy policies and we are not responsible for these policies nor the products and/or services offered by third party providers, so please make sure to review the privacy policy of any third party carrier from whom you may purchase a policy.
In order to provide you with our Services, and only where permitted by law, we may share information you submitted with: (1) our partners who may share with certified credit bureaus to verify information about your credit report; and (2) government agencies to verify your previous claims history and other relevant information. Your information is maintained by credit agencies and disclosed by them to others as permitted by law.
We may also share information about you with our affiliated companies.
We may use third party service providers to process your information for the purposes outlined above, including, without limitation:
1. With cloud service providers for hosting purposes;
2. With analytics providers;
3. With advertising partners;
4. With error checking and software integrity tools;
5. With software runtime platforms;
6. With location management tools (including Google Maps and Google Places);
7. With payment providers, and payment gateways, and other banking and finance platforms;
8. With fraud detection and cyber security platforms;
9. With image and document generation tools;
10. With A/B testing platforms;
11. With email and other communication tools and platforms;
12. With customer service and communication management platforms;
13. With websites and web content creation platforms in order to help us manage our Website;
14. With email providers, marketing, CRM, other similar tool providers and/or sales dialer software;
15. With analytic companies, in order to help us understand and analyze information we collect in accordance with this policy;
16. With platforms for the purpose of sending you requests to leave us a review on the Website;
17. With insurance carriers’ integration platforms, comparative raters;
18. With billing companies; and/or
19. With data validation and enrichment companies.
To the extent necessary, with regulators, courts, banks, competent authorities or partners, to comply with applicable laws, regulations and rules (including, without limitation, federal, state or local laws), and requests of law enforcement, regulatory and other governmental agencies or if required to do so by court order, as well as for internal compliance procedures, contracts and to protect the safety, security, and integrity of Zenner, our Services, customers, partners, employees, property, and the public.
If, in the future, we sell or transfer, or we consider selling or transferring, some or all of our business, shares or assets to a third party, we will disclose your information to such third party (whether actual or potential) in connection with the foregoing events (including, without limitation, our current or potential investors). In the event that we are acquired by, or merged with, a third party entity, or in the event of bankruptcy or a comparable event, we reserve the right to transfer, disclose or assign your information in connection with the foregoing events.
Where you have otherwise provided your consent to us for sharing or transferring your information.

YOUR PRIVACY RIGHTS

The following rights (which may be subject to certain exemptions or derogations) shall apply to certain individuals (some of which only apply to individuals protected by specific laws):
1. You have the right to access the personal information that we hold and request further details about how we process it, under certain conditions.
2. You have the right to demand rectification of inaccurate personal information about you.
3. You have the right to the erasure of past personal information about you under certain conditions.
You can exercise your rights by contacting us at [email protected]. Subject to legal and other permissible considerations, we will make every reasonable effort to honor your request promptly in accordance with applicable law or inform you if we need further information in order to fulfill your request. When processing your request, we may ask you for additional information to confirm or verify your identity and for security purposes, before processing and/or honoring your request. We reserve the right to charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive. In the event that your request would adversely affect the rights and freedoms of others (for example, would impact the duty of confidentiality we owe to others) or if we are legally entitled to deal with your request in a different way than requested, we will address your request to the maximum extent possible, all in accordance with applicable law.
Marketing emails – opt-out: You may choose not to receive marketing email of this type by sending a single email with the subject "BLOCK" to [email protected]. Please note that the email must come from the email account you wish to block OR if you receive an unwanted email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails, and we will process your request within a reasonable time after receipt.

INTERACTION WITH THIRD PARTY PRODUCTS AND SERVICES

We enable you to interact with, and access, third party websites, products or services that are not owned, or controlled, by us (each, a “Third Party Service”). Each of these Third Party Service has its own privacy policy, and we are not responsible for their privacy practices, handling your personal information or the content of such Third Party Services. Please be aware that Third Party Services may collect personal information from you and/or request us to share some of your personal information with them. Accordingly, we encourage you to read their terms and conditions and privacy policies of each Third Party Service before making use of, engaging with, or accessing any Third Party Service.

ANALYTICS TOOLS/COOKIES

We use cookies, analytic tools and other tracking technologies in the context of our Website and Services.
You may control the way in which your devices permit the use of cookies and other tracking technologies. If you so choose, you may block or delete our cookies from your browser; however, blocking or deleting cookies may cause some of the Services, including features and general functionality, to work incorrectly. Some of the cookies and tracking technologies that we use in our Services include:
1. Google Analytics. The Website uses a tool called “Google Analytics” also known as “Firebase Analytics,” to collect information about use of the Website. Google Analytics collects information such as how often users visit this Website, what pages they visit when they do so, and what other websites they used prior to coming to this Website. We use the information we get from Google Analytics to maintain and improve the Website and our products. We do not combine the information collected through the use of Google Analytics with information we collect. Google’s ability to use and share information collected by Google Analytics about your visits to this Website is restricted by the Google Analytics Terms of Service, available at https://marketingplatform.google.com/about/analytics/terms/us/, and the Google Privacy Policy, available at http://www.google.com/policies/privacy/. You may learn more about how Google collects and processes data specifically in connection with Google Analytics at http://www.google.com/policies/privacy/partners/. You may prevent your data from being used by Google Analytics by downloading and installing the Google Analytics Opt-out Browser Add-on, available at https://tools.google.com/dlpage/gaoptout/.
2. Facebook Pixels and SDKs. We use Facebook pixels or SDKs, which are tools that provide help to website owners and publishers, developers, advertisers, business partners (and their customers) and others integrate, use and exchange information with Facebook, as such the collection and use of information for ad targeting and retargeting. Please note that third parties, including Facebook, use cookies, web beacons, and other storage technologies to collect or receive information from our website and elsewhere on the internet and use that information to provide measurement services and target ads. Facebook’s ability to use this information is governed by the Facebook Business Tools Terms, available at: https://www.facebook.com/legal/technology_terms/ . You can prevent your data from being used by Facebook Pixels and SDKs by exercising your choice through these mechanisms: https://youradchoices.com/ or http://www.youronlinechoices.eu/.
3. Our Website employ “pixel tracking”, a common process which may be used in connection with advertisements on other websites. Pixel tracking measures the effectiveness of advertisements and compiles aggregate and specific usage statistics. A “pixel tag” is an invisible tag placed on certain pages of websites that is used to track an individual user’s activity. We may access these pixel tags to identify activity and interests that may allow us to better match our products and services with your interests and needs. For example, if you visit our Website from an advertisement on another website, the pixel tag will allow the advertiser to track that its advertisement brought you to the Website. We specifically incorporate “pixels” provided by Meta Platforms, Inc. This enables us to track user behavior after a user clicks on a Facebook ad and is redirected to our Website. By doing so, we can assess the effectiveness of Meta ads for statistical and market research purposes and sometimes retarget certain users. Please note that the data collected through this process remains anonymous to us, meaning we do not have access to personal information of individual users. However, Meta stores and processes this data. It is important to be aware that Meta may associate this information with any of your Meta accounts and utilize it for its own promotional activities. You can learn about Meta’s privacy practices by visiting the Meta Privacy Policy.
4. Facebook Custom Audience. We provide Facebook certain data about our partners. Facebook does not disclose to us which individuals comprise our Audience (as defined in the Custom Audience terms). Our use of this tool is subject to the following terms: https://www.facebook.com/legal/terms/customaudience. You may opt out of this tool according to the instructions available at: https://www.facebook.com/ads/settings.
5. Mixpanel. We collect information such as your email address and your user activity through the use of Mixpanel. Mixpanel’s ability to use and share information is governed by the Mixpanel Terms of Use, available at https://mixpanel.com/terms/, and the Mixpanel Privacy Policy, available at https://mixpanel.com/privacy/. You can opt-out of Mixpanel’s services by clicking on the following link: https://mixpanel.com/optout/.
6. Hotjar. We use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see the ‘about Hotjar’ section of Hotjar’s support site.
Through our Services we may allow third party advertising partners to set technologies and other tracking tools to collect information regarding your activities and your device (e.g., your IP address, mobile identifiers, page(s) visited, location, time of day). We may also combine and share such information and other information (such as demographic information and past purchase history) with third party advertising partners. These advertising partners may use this information (and similar information collected from other websites) for purposes of delivering targeted advertisements to you when you visit third party websites within their networks. This practice is commonly referred to as “interest-based advertising” or “online behavioral advertising”. We may allow access to other data collected by the services to share information that may be useful, relevant, valuable or otherwise of interest to you.
We also use some targeting and retargeting tools, including, Google, Twitter, LinkedIn, Taboola, Criteo, AppsFlyer and Reddit.
We reserve the right to remove or add new analytic tools, cookies, pixels and other tracking technologies.

Specific provisions applicable under California privacy law

Our California Do Not Track Notice: Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers, but we may allow third parties, such as companies that provide us with analytics tools, to collect personally identifiable information about an individual consumer’s online activities over time and across different web sites when a consumer uses the Services.

Contact us

If you have any questions, concerns or complaints regarding our compliance with this notice and the data protection laws, or if you wish to exercise your rights, we encourage you to first contact us at [email protected].