Privacy policy | Latch Insurance

This policy explains what Latch Insurance Services ("Latch", "we") collects through this website, how we use it, and who we share it with. Latch is a licensed California insurance broker.

What we collect

Information you give us

Contact details: your name, email, phone number, company, and role.
Property details: the address, type, age, construction, and features of the home or property.
Your situation: what's happening, your key date, your current insurer and broker, past claims, and your lender and escrow contacts.
Documents you upload, such as declarations pages, non-renewal notices, loss runs, inspection reports, and lender requirements.
For referrals: the referring partner's contact details and the client's name and contact details.
Messages you send us.

We don't ask for Social Security numbers, dates of birth, driver's license numbers, or bank or card numbers on this site. Please don't send them through our forms.

Information collected when you visit

Our hosting provider, Cloudflare, processes technical information such as your IP address, browser type, and the pages requested. This is needed to deliver the site and protect it from abuse.
Our forms use Cloudflare Turnstile to tell people from spam programs. Turnstile looks at signals from your browser and device to do that.

We don't set advertising cookies, and we don't use session recording or advertising trackers.

How we use information

To respond to your request and contact you about it.
To find, place, and service insurance for you. This includes preparing submissions to insurers.
To send confirmations and status updates, by email, phone, or text if you opted in to texts.
To keep the records that insurance laws require.
To keep the site working and secure.

Who we share it with

Insurance companies and wholesale brokers, so they can evaluate, quote, and issue coverage.
Your lender, escrow officer, and others you tell us to work with, to deliver proof of insurance and related documents.
A referring partner, for status updates, and only with your permission.
Service providers that work on our behalf: Cloudflare (website hosting, file storage, and security), Resend (sending email), and Google Workspace (business email).
Regulators, courts, and law enforcement, when the law requires it.

If you book a call, the scheduling page is run by Calendly and its own privacy policy applies there.

We don't sell personal information, and we don't share it for advertising.

Do Not Track

This site doesn't track you across other websites, so it works the same way whether or not your browser sends a Do Not Track signal. We don't allow other parties to collect information about your activity over time and across different websites when you use this site.

How long we keep it

We delete request records and uploaded files 3 years after the last activity on a request, unless they have become part of a client file. Client files are kept for as long as insurance laws require.

Security

The site uses encrypted connections. Uploaded files are stored in private storage with access limited to the people who need it. No method of sending or storing information is perfectly secure, so please send only what's needed.

Your choices and rights

You can ask what personal information we hold about you and ask us to correct it. See our Notice of Insurance Information Practices.
Texts are optional. Reply STOP to any text to opt out.
California residents may have additional rights under California privacy law. Some information collected to provide insurance is covered by insurance and financial privacy laws instead. Contact us with any request and we'll tell you how it applies.

Children

This site is for adults arranging insurance. We don't knowingly collect information from children under 13.

Changes to this policy

If we change this policy, we'll post the new version on this page with a new effective date.

Contact

Questions or requests: brandon@latchinsurance.com, or write to Latch Insurance Services, 3101 Park Blvd, Palo Alto, CA 94306.