We believe that trust is fundamental to our customer relationships and are committed to upholding the highest standards of data privacy and security. We collect and process information complying with all applicable data protection laws. We do not share or use your information for any other purpose than providing Insurance products and services and we will not sell your data.
Fairmatic is offered through a licensed surplus lines broker, Straight Up Insurance Services, LLC (California License #0L02394).
This Privacy Policy explains the privacy practices for Straight Up Insurance Services, LLC’s (“Fairmatic,” “Company,”“we,” “us,” or “our,”) website, www.fairmatic.com (the “Site”) and for the products and services offered to you through our family of sites, or through applications on mobile devices (collectively referred to as the “Services”).
This Privacy Policy explains how we collect, use, share and process your data. By using or accessing the Site or Services or by submitting information to Company, you consent to the terms of this Privacy Policy.
This Privacy Policy applies to both (a) entities that sign up or contract directly with Company for any of the Services (referred to herein as “Client,” “Clients,” “you,” “your,” “user,” and “users”) and (b) individuals and entities whose information and data is provided to or collected by Company directly or indirectly through its Services, affiliates of Company (collectively referred to as “Affiliates”), and clients of any Affiliates, for example, fleet owners or drivers who work for or are customers of a social transportation network, an insurance company, or another business; and (c) visitors to the Site.
This Privacy Policy applies only to Fairmatic’s information-gathering, use, and sharing of Personal Information in connection with our Services. This Privacy Policy does not apply to any of our information practices conducted separately by Company affiliates or by the Company’s Clients. We encourage you to read and understand the privacy policies that govern our affiliate's and Clients’ use of Personal Information.
To provide you with our insurance product services, we will collect and process information through the usage of our product, services, and interactions with our Business.
If you provide information about another individual to us or our affiliates, you represent that you have the authority to do so, delivered the required notices, obtained all necessary rights, and permit us to use the information in accordance with this Policy. If you believe information has been provided to us improperly, please notify us under the "How to Contact Us" section below.
We receive Information when you voluntarily provide it directly to us while using our products. For example, when you register for an account, request information or support from us, request a quote, send us feedback, or submit job applications, etc.
An employer, agent, or broker may also provide this information to Fairmatic. We may also receive Information about you from a business or commercial partner. For example, we would receive Motor Vehicle Reports on individual drivers as part of the insurance agreement.
We generate, collect, and derive information when you use and interact with our products and services:
Like many websites and online services, we may use cookies and similar technologies to help us provide and improve the Services for our users:
We also collect and receive information from other sources:
We use the Information for business and commercial purposes as per the practices described in this Policy, and to operate our Products and Services:
Additionally, we may use information that does not identify you for any purpose permitted by law or contractual obligation applicable to us.
We share and disclose information collected only as compatible with the purposes described in this Privacy Policy and as permitted or required by applicable law. You are responsible for ensuring the legal basis for processing and obtaining any required consent from any individuals whose Personal Information you provide to Fairmatic. Information is shared with or disclosed to others as follows:
Additionally, we may disclose information that does not identify you, including de-identified or aggregated information for any purpose permitted by law or contractual obligation applicable to us.
The Services may also enable you to directly send or receive information from third parties, such as an employer or an insurance broker. The use, storage, and disclosure of such information by these third parties are subject to their own privacy policies.
Where we engage third-party AI vendors, such as OpenAI, we enter into Data Processing Addenda (DPAs) to ensure that all data processing activities meet our stringent data protection requirements and are in compliance with applicable laws.
We retain each category of Personal Information for the period that is reasonably necessary to fulfil the purposes for which it was collected as outlined in this Privacy Policy, and as necessary to comply with our legal obligations, resolve disputes, prevent fraud, and enforce our agreements.
We may also retain Information that is de-identified or aggregated such that it does not identify you.
We use appropriate, industry-standard security measures and technology to protect information covered by this Privacy Policy (excluding publicly disclosed information). In this regard, we employ organizational, administrative, and technical measures designed to protect your Personal Information from unauthorized access and disclosure; and safeguard against loss, theft, misuse, alteration, and destruction. However, no method of security is 100% secure.
Even though the Company has taken reasonable commercial steps and efforts to prevent personal information and other information covered by this Privacy Policy from being accessed, used, intercepted, or disclosed by unauthorized individuals in violation of this Privacy Policy, by using the Services, you acknowledge that the Company cannot fully eliminate security risks associated with your information.
We will make any legally required disclosures of any breach of the security, confidentiality, or integrity of unencrypted electronically stored personal information (as defined in applicable statutes on security breach notification) to you via email or conspicuous posting on or through the Services in an expedient manner and without unreasonable delay, insofar as these are consistent with (i) the legitimate needs of law enforcement, (ii) any measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system, and (iii) applicable law.
Like many services, websites, or applications, we may use “cookies” or similar technologies to collect information. A cookie is a small data file that we transfer to your computer to allow the Service to operate, to improve and measure its performance, enable logged-in user sessions to operate, to enable reporting, and for any of the other purposes permitted in this Privacy Policy. For more information about cookies and related technologies review our cookie notice here: fairmatic.com/cookie-notice
You can refuse to accept and delete cookies by adjusting your browser setting. Please note that refusing or deleting cookies may impact your browsing experience or prevent you from using some services, and result in the deletion of any preferences you have set. For more information on how to reject or delete cookies, you should consult with your browser’s or device’s help documentation or visit aboutcookies.org
We do not track your online activity other than your usage of the Service. As such, we do not respond to Do Not Track Signals. For more information on "Do Not Track" visit allaboutdnt.com
You can opt out of interest-based advertising by installing a browser plugin from a third party where available. For more information about interest-based advertising, please see https://thenai.org/opt-out
Fairmatic does not knowingly collect personal information from any person who is under the age of 16, unless there is some lawful purpose to do so, for example, to facilitate the handling of a claim involving a person under the age of 16. If you believe we have violated this provision, contact us at privacy@fairmatic.com.
This Privacy Policy may be updated or modified from time to time. We will provide notice of any changes by posting the new Privacy Policy on the Company’s website. You are advised to consult this Privacy Policy regularly for any changes. If we make any material changes, we will notify you of such changes on our Site and/or through other appropriate methods.
If you have any questions about this Privacy Policy, please email us at privacy@fairmatic.com or write to us at 201 Spear Street Suite 1100, San Francisco, CA 94105
The California Consumer Privacy Act (“CCPA”), provides California residents additional rights regarding the collection and use of Personal Information.
We collect personal information from multiple sources, including directly from you or your agent, from other individuals, service providers or other third-party vendors, publicly-available sources, consumer reporting agencies, government agencies, or other businesses.
We retain personal information according to our retention schedules, which are established by our business needs, along with legal and regulatory requirements.
Fairmatic collects personal and other information about you. Personal information (PI) is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you. Other, non-personal information does not and cannot reveal an individual’s identity such as information that has been de-identified or aggregated. The information we collect varies based on what products and services you have with us.
In the preceding 12 months, we have collected and processed the following categories of information as enumerated in CCPA:
Fairmatic does not use or disclose sensitive personal information for any purpose not expressly permitted by the CCPA.
For additional details on the sources from which we receive information review the “How We Collect Information” section above. The purpose for collecting this information is detailed in the section “How We Use Information”, and the section “When and with whom we share Information” explains the categories and third parties with whom we disclose Personal Information. The section “How Long We Keep Your Personal Information” explains the Retention Policy. The section “Security of Your Information” explains the security measures we have implemented to protect personal information from unauthorized access, disclosure, and misuse.
The California Consumer Privacy Act (CCPA) gives California residents the right to opt out of the “sale” or “sharing” of Personal Information. Fairmatic does not sell or share Personal Information in exchange for monetary consideration. We only share personal information as described in this policy.
Fairmatic will not discriminate against you (for example, by denying goods or services or providing a different level or quality of goods or services) for exercising any of the rights afforded to you.
You have the right to request disclosure about what categories of personal information Fairmatic has sold or disclosed for a business purpose about you and the categories of third parties to whom the personal information was sold or disclosed. Additionally, you have the right to request the disclosure of specific pieces of information. Below is a full list of the information that you can include in your request.
In addition, subject to exceptions, you have the right to correct or delete personal information collected from you.
You have the right to correct inaccurate personal information and may do so via the Service where appropriate, or send us a request for the same. We will make commercially reasonable efforts to correct your personal information and may ask you for additional documentation to process your request.
You may request we delete your personal information unless it impacts our ability to provide you with the Service, as it may be:
If you would like to exercise any of your rights as a California resident, please email us at privacy@fairmatic.com
We will respond to your request within the time limits prescribed by law. We will also require specific information from you to help us verify your identity, and we may deny your request if we are unable to do so.
Straight Up Insurance Services, LLC (California License #0L02394) offers insurance products and services for both licensed insurance companies and surplus lines insurance companies. Straight Up Insurance Services LLC is not an insurance company, but acts as an insurance agent or a surplus lines insurance broker for certain insurance companies. Straight Up Insurance Services LLC is paid commissions and may receive other performance-based compensation for its services from insurance companies. The compensation received by Straight Up Insurance Services LLC may vary by insurance company. Not all insurance products and services are available in all states. Insurance rates are subject to change
