Vega Claims Privacy Policy

• Personal and Account Information. Personal information such as your name, email address, username, password, phone number, business address, billing address, account credentials, communication preferences, and any other information you provide when creating or updating an account or accessing a claims portal.
• Claims and Insurance Information. First notice of loss (FNOL) details, accident or incident reports, police reports, claim numbers, policy numbers, coverage details, claimant and insured party information (names, addresses, phone numbers, email addresses, driver’s license numbers, Social Security numbers, dates of birth), medical and health information (medical records, treatment histories, injury descriptions, disability information, medical provider information) collected in connection with bodily injury claims, vehicle and property information (VIN numbers, vehicle descriptions, property descriptions, damage assessments, appraisal reports), litigation and legal information (attorney information, court filings, legal correspondence, deposition transcripts), and investigation information (recorded statements, surveillance reports, fraud investigation data).
• Financial and Payment Information. Bank account details, payment information for claim settlements and payouts, and other financial information. We use third-party payment processors to process payments, settlements, and payouts.
• Communications and Correspondence. Messages, emails, and other communications exchanged in connection with claims administration, customer support, or business inquiries. Records and copies of your correspondence with us. We may access, review, and retain communications where necessary for claims administration, support, fraud prevention, dispute resolution, legal compliance, quality assurance, and enforcement of our legal terms and agreements.
• Telematics and Evidence. GPS and other geolocation data, driving behavior data, dashcam video footage, photographs, and other audio, electronic, or visual evidence received in connection with claims, including from telematics devices, in-vehicle cameras, and other sources.
• Information from Business Partners. Information received from insurance carrier clients, MGAs, reinsurers, brokers, agents, managing general underwriters, defense counsel, independent adjusters, appraisers, field inspectors, medical providers, investigators, subrogation vendors, salvage companies, and other business partners and insurance industry participants, including via API integrations, email, or other electronic transfer.
• Third-Party Data Sources. Sources that are commonly used in the insurance space, including, but not limited to, motor vehicle records, criminal records, credit reports, weather data, public records, and other information from third-party data providers.

• Activity Information. Details of visits to our Sites and use of our Services, including pages viewed, features used, claims portal interactions, actions taken, and the time, frequency, and duration of activities.
• Equipment Information. Information about your computer, mobile device, and internet connection, including your device or computer operating system, IP address, browser type, browser language, device identifiers, and mobile network information.
• Location Information. Information about the location of your device, including GPS location, for purposes of enhancing or facilitating the Services, including claims administration, fraud detection, and service delivery. If you do not want to share your precise location, you can disable location sharing in the settings on your device.
• Cookies, Pixel Tags/Web Beacons, and Other Technologies. Cookies, pixel tags, web beacons, clear GIFs, JavaScript, entity tags, HTML5 local storage, resettable device identifiers, or other similar technologies (collectively, the “Technologies”) may be used by us, as well as third parties that provide content, advertising, or other functionality on the Services, to automatically collect information through your use of the Services. Please see Section 8 for more information on the Technologies we may use for this automatic data collection.

We may receive information about you from other sources and add it to our information, including from third-party services and organizations that have the right to provide us with such information. We protect this information according to the practices described in this Privacy Policy, plus any additional restrictions imposed by the source of the data. These sources may include: insurance carriers and their agents; MGAs, reinsurers, and brokers; medical providers and facilities; law enforcement agencies; courts and legal counsel; investigation and surveillance firms; motor vehicle departments; credit bureaus; weather and catastrophe data providers; telematics and IoT device providers; publicly available sources; and analytics providers. We may use information from these sources to verify, supplement, and correct our records; administer, investigate, evaluate, and resolve claims; detect fraud; enhance security; and improve our Services.

We may collect demographic, statistical, or other aggregate information that is about you but individually does not identify you. Some of this information may be derived from Personal Information, but it is not Personal Information and cannot be tied back to you. Examples of such aggregate information include age range, general geographic region, and other demographic or statistical attributes. We may use aggregated, de-identified, or anonymized data to analyze claims trends, loss patterns, risk analysis, service improvement, advertising or sponsored content performance, and product improvement.

• Provide the Services, including claims administration, intake, investigation, coverage analysis, liability assessment, fraud detection, settlement, payout, subrogation, recovery, and related claims management functions.
• Receive, evaluate, triage, investigate, administer, and resolve insurance claims.
• Facilitate communications between claimants, insureds, adjusters, carriers, counsel, and other parties involved in claims.
• Process payments, settlements, payouts, and other financial transactions through third-party payment processors.
• Generate and provide data, analytics, dashboards, loss runs, and reports to carrier clients and other authorized parties.
• Respond to inquiries, provide customer service, and communicate with you about claims and Services.
• Fulfill any other purpose for which you provide Personal Information.

• Operate, maintain, improve, personalize, and analyze the Services, including claims administration workflows and related systems.
• Evaluate quality, accuracy, safety, security, and performance of claims processes and the Services.
• Enforce platform rules, contracts, and policies, including investigating conduct that may violate them.
• Investigate safety concerns, inappropriate conduct, harassment, fraud, abuse, misrepresentation, and other harmful or unlawful behavior.
• Detect, prevent, or investigate security breaches, fraud, spam, manipulation of systems, and other unauthorized or illegal activity.
• Review communications, documents, images, audio, video, and other materials when necessary to administer claims, resolve disputes, investigate fraud, enforce policies, maintain quality, or comply with legal obligations.
• Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• Maintain appropriate records for internal administrative purposes.
• Improve and develop our claims administration tools, including through AI-assisted technologies. Vega Claims uses AI-assisted tools to support claims intake, triage, coverage analysis, liability assessment, fraud detection, litigation risk prediction, severity scoring, reserve recommendations, demand letter generation, and other claims administration functions. These AI tools are designed to assist and augment human adjusters and other authorized personnel. Material claim decisions are generally subject to human review; however, certain routine or low-risk determinations may be made by AI-assisted tools without direct human intervention.

1. Send transactional communications, such as claim status updates, settlement notifications, payment confirmations, service updates, and other claims-related notices.
2. Send promotional communications, such as information about features, newsletters, offers, promotions, events, and the Services.
3. Develop, test, and improve new products or services, including by conducting surveys and research and testing and troubleshooting new products and features.
4. Personalize your experience, including providing claims-related content, services, offers, sponsored content, and advertising that may be relevant to you based on your profile, preferences, activity, and interactions with the Services.

• Between Claims Participants. When administering a claim, certain information (such as the claimant’s claim details, contact information, and relevant documentation) may be shared with insurance carriers, adjusters, defense counsel, medical providers, appraisers, investigators, and other parties involved in the claims process as necessary to administer, investigate, evaluate, and resolve the claim.
• Payment Processors. We share your Personal Information with third-party payment processors to facilitate payments, settlements, payouts, refunds, identity verification, tax reporting, and other financial transactions related to the Services.
• Subsidiaries and Affiliates. We may share your Personal Information with our parent companies, subsidiaries, joint ventures, and affiliated companies for purposes of management and analysis, decision-making, and other business purposes, consistent with this Privacy Policy.
• Service Providers. We may share your Personal Information with our third-party service providers, contractors, and other similar third parties that help us provide the Services. This may include insurance carriers, MGAs, reinsurers, brokers, agents, managing general underwriters, defense counsel, independent adjusters, appraisers, field inspectors, medical providers, investigators, subrogation vendors, salvage companies, data analytics providers, AI/ML service providers, cloud infrastructure providers, communications providers, and other insurance industry participants, as well as vendors supporting hosting, security, customer support, claims operations, payment processing, and related functions.
• Consent or to Fulfill the Purpose that Information was Provided. We may share your Personal Information to fulfill the purpose for which you provide that information, with your consent, or for any other purpose disclosed by us when you provide the information.
• Improvement of Artificial Intelligence (“AI”). We may share your Personal Information with our third-party service providers of products, features, and/or tools powered by AI, machine learning, or similar technologies to develop, train, improve, and deploy predictive and generative models, data analytics, risk assessment tools, fraud detection systems, claims automation, and related technologies for purposes of improving claims outcomes, service quality, and operational efficiency. Our AI systems may be used to generate litigation risk predictions, severity scores, fraud indicators, coverage analyses, liability assessments, reserve recommendations, and automated demand letters.
• Business Partners and Marketing. We may share Personal Information with business partners, marketing partners, advertising partners, data analytics providers, social media partners, and other third parties for their own purposes and for our business and commercial purposes, including advertising, targeted advertising, cross-context behavioral advertising, analytics, measurement, personalization, fraud prevention, service improvement, and other purposes permitted by law.

If we become involved in a merger, acquisition, financing due diligence, divestiture, restructuring, reorganization, bankruptcy, dissolution, sale, or transfer of some or all of our assets (whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding), or transition of Services to another provider, your Personal Information may be sold or transferred to business entities or people involved in such process.

• When Required by Law. We may share your Personal Information to comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To Enforce Our Rights. We may share your Personal Information to enforce or apply this Privacy Policy and other agreements, including for billing and collection purposes.
• To Protect Lawful Interests. We may share your Personal Information if we believe disclosure will help us protect the rights, property, or safety of Vega Claims, our users, partners, agents, and others. This includes exchanging information with other companies and organizations for fraud protection and spam and malware prevention.
• To Protect Users and Others. We may disclose Personal Information when we believe in good faith that disclosure is necessary to protect the safety of users of the Services or others, including sharing information with law enforcement or other appropriate authorities.

• Cookies and Other Tracking Technologies. You may be able to set your browser to reject cookies and certain other technologies by adjusting the appropriate settings in your browser. Each browser is different, but many common browsers have preferences that may be adjusted to allow you to either accept or reject cookies and certain other technologies before they are set or installed, or allow you to remove or reject the use or installation of certain technologies altogether. We recommend that you refer to the “Help” menu in your browser to learn how to modify your browser settings. If you disable or refuse cookies, please note that some parts of the Services may become inaccessible or may not function properly.
• Communications from Vega Claims. If you do not wish to have your contact information used by Vega Claims to promote our own products or services, you can opt out by: (1) informing us of your preference at the time you sign up for your Services account (if applicable); (2) modifying your user preferences in your account profile by checking or unchecking the relevant boxes (if applicable); (3) following the opt-out instructions at the bottom of the promotional emails or text messages we send you; or (4) sending us an email at [email protected] stating your request. Please note that we may also send you non-promotional communications (e.g., transactional communications, including emails about your account, claims, payments, claim status, service updates, and updates to this Privacy Policy), and you will not be able to opt out of these communications.
• “Do Not Track”. “Do Not Track” (“DNT”) is a privacy preference you can set in certain web browsers. When you turn on this preference, it sends a signal or message to the websites you visit indicating that you do not wish to be tracked. Please note that we currently do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.

The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, and the Digital Advertising Alliance of Canada.

In accordance with applicable law, you may have the right to:

• Access Personal Information. You may access Personal Information about you, including: (1) confirming whether we are processing your Personal Information; (2) obtaining access to or a copy of your Personal Information; and (3) receiving an electronic copy of Personal Information that you have provided to us, or asking us to send that information to another company (the “right of data portability”).
• Request Correction of Personal Information. You may request correction of your Personal Information where it is inaccurate, incomplete, or improperly possessed.
• Request Deletion/Erasure of Personal Information. You may request deletion/erasure of your Personal Information held by us about you. Please note: we cannot delete your Personal Information except by also deleting your account. Additionally, deletion requests may be subject to legal, financial, fraud-prevention, dispute-resolution, safety, and recordkeeping requirements as described in any agreements between you and us.
• Restrict/Opt-out of Processing. You may request to restrict or opt out of the processing of your Personal Information, including for the purpose(s) of: (1) targeted advertising; (2) sale or sharing of personal information; or (3) profiling to make decisions that have legal or other significant effects on you.
• Withdraw Consent. You may have the right to withdraw consent where such consent is required to share or use Personal Information. If you would like to exercise any of these rights, you may send us an email at [email protected] to request access to, correction of, or removal of any Personal Information that you have provided to us. We will process such requests in accordance with applicable law.

The following are additional consumer privacy rights:

• Non-Discrimination. Residents have the right not to receive discriminatory treatment by covered businesses for the exercise of their rights conferred by the applicable privacy law.
• Verification. To protect your privacy, we will take the following steps to verify your identity before fulfilling your request. When you make a request, we will ask you to provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative, which may include asking you to answer questions regarding your account and use of our Services.

A number of states require us to provide residents of those states with additional information and rights. Please see the California Privacy Notice, Multi-State Privacy Notice, and Nevada Privacy Notice below for state-specific disclosures and rights.

If you are dissatisfied with the refusal of Vega Claims to take action in accordance with the exercise of your rights in the “Accessing and Correcting Your Information” section above, you may request reconsideration by Vega Claims by sending a written request for reconsideration to [email protected]. Within sixty (60) days (or such shorter period of time as required by applicable law) of Vega Claims’ receipt of such written request, Vega Claims shall inform you in writing of any action taken or not taken in response to your request for reconsideration, including a written explanation of the reasons for the decision. In addition, if your request for reconsideration is denied, you have the right to appeal to the applicable supervisory authority in your jurisdiction of residence.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Information. For more information, if you are in the European Economic Area (EEA), please contact your local data protection authority in the EEA.

We, as well as third parties that provide the content, advertising, or other functionality on the Services, may use Technologies to automatically collect information through your use of the Services. The following describes some of these Technologies we may use for this automatic data collection:

• Cookies. A cookie is a small data file stored on the hard drive of your computer either for (1) the duration of your visit on a website (“session cookies”) or (2) for a fixed period (“persistent cookies”). Cookies contain information that can later be read by a web server. We may use cookies to provide you with a more personal and interactive experience on the Services.
• Web Beacons. Web beacons are small files that are embedded in webpages, applications, and emails (also known as “clear gifs”, “pixel tags”, “web bugs”, and “single-pixel gifs”) that collect information about engagement on our Services.
• JavaScripts. JavaScripts are code snippets embedded in various parts of websites and applications that facilitate a variety of operations including accelerating the refresh speed of certain functionality or monitoring usage of various online components.
• Entity Tags. Entity Tags are HTTP code mechanisms that allow portions of websites to be stored or “cached” within your browser and validates these caches when the website is opened, accelerating website performance.
• HTML5 Local Storage. HTML5 local storage allows data from websites to be stored or “cached” within your browser to store and retrieve data in HTML5 pages when the website is revisited.
• Resettable Device Identifiers. Resettable device identifiers (also known as “advertising identifiers”) are similar to cookies and are found on many mobile devices and tablets, and certain streaming media devices. Like cookies, resettable device identifiers are used to make online advertising more relevant.

We may also use these Technologies for security purposes, to facilitate navigation, to display information more effectively, and to better serve you with more tailored information, as well as for Site administration purposes (e.g., to gather statistical information about the usage of the Site in order to continually improve the design and functionality), to understand how users use the Site, and to assist us with resolving questions regarding use of the Site.

You may be able to set your browser to reject cookies and certain other technologies by adjusting the appropriate settings in your browser. Each browser is different, but many common browsers have preferences that may be adjusted to allow you to either accept or reject cookies and certain other technologies before they are set or installed, or allow you to remove or reject the use or installation of certain technologies altogether. We recommend that you refer to the “Help” menu in your browser to learn how to modify your browser settings. If you disable or refuse cookies, please note that some parts of the Services may become inaccessible or may not function properly.

This Privacy Policy covers the use of cookies by Vega Claims and does not cover the use of tracking technologies by any third parties. The Services may contain links, content, advertising, or references to other websites or applications run by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies or other tracking technologies to collect information about you when you interact with their content on the Services. The information they collect may be associated with your Personal Information or they may collect information about your online activities over time and across different websites. Please be aware that we do not control these third parties’ tracking technologies or when and how they may be used. Therefore, Vega Claims does not claim nor accept responsibility for any privacy policies, practices, or procedures of any such third party. We encourage you to read the privacy statements and terms and conditions of linked or referenced websites you enter. We do not endorse, screen, or approve, and are not responsible for the practices of such third parties or the content of their application or website. Providing Personal Information to third-party websites or applications is at your own risk. If you have any questions about an ad or other targeted content, you should contact the responsible provider directly.

The Services may use Google Analytics, Meta Pixel, and other analytic service providers, which use cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. These services may also collect information regarding the use of other websites, apps, and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/, and opt out of them by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout. You can learn about Meta’s practices by going to https://www.facebook.com/privacy/center/.

The Sites may utilize or permit several different categories of cookies:

• Essential cookies: cookies essential for the proper operation of the Sites (e.g., page navigation, security checks).
• Functional/preference cookies: cookies that remember your preferences (e.g., username, language, region).
• Marketing cookies: cookies used to highlight content or services of interest based on your use of the Sites. We may use these cookies and permit third parties to use information collected through them for targeted advertising, cross-context behavioral advertising, analytics, measurement, personalization, marketing, and other purposes permitted by law, including activities that may constitute the sale or sharing of personal information.
• Analytics/performance cookies: cookies that help us understand how our Sites perform and how visitors interact with the Sites. Third-party providers, such as Google Analytics, may receive personal information through these cookies.

For website visitors, we do not set non-essential cookies on your device until you have provided your consent through the cookie banner or consent tool presented when you first visit the Sites.