Privacy Policy

By “personal information,” we mean information that uniquely identifies an individual, such as your name, email address, or government-issued identification number (such as your driver’s license number or social security number); your unique financial information, such as your credit card number; and information that we link to your unique identifier(s) or unique financial information. If information is de-linked or de-identified, we do not consider it to be personal information. For example, your postal address would not be personal information if it were included in a list of addresses without names or other unique identifiers. Business information (such as the name of a business or the business address or phone number) is not personal information. 

References to Guardian also include companies providing services to Guardian, the Porch Group Companies, and our business partners, to the extent that such parties are collecting, using, or sharing personal information for or on behalf of Guardian. This Privacy Policy applies to information collected by those companies only when they provide such information to Guardian. 

We may change this Privacy Policy from time to time. If we make changes, we will notify you by posting the updated Privacy Policy on our website and updating the effective date at the top of this Privacy Policy. If we make material changes, we will provide you with additional notice (such as adding a statement to our website or sending you an email notification).  

If you do not agree with the terms of this Privacy Policy, please do not continue using the Services. 

Information We Collect 

Information You Give to Us 

We collect information you provide directly to us. For example, we collect your name, email address and other information when you register for an account; make a purchase; request customer support, or otherwise upload, link or provide content that includes personal information; or subscribe to our promotional marketing programs.  

Information We Collect Automatically  

When you access or use the Services or when we send you emails, we and our advertisers may use tracking technologies to automatically collect information about you.  Please see our Cookie Policy to learn more about these technologies, how we use them, and how to manage or disable them. Automatically collected information may be associated with your unique browser, device identifier or Internet Protocol (IP) address, but we do not consider it to be personal information unless it is linked to your unique identifier(s).   

Automatically collected information includes:  

• Log Information. We log information such as IP address, access times, operating system, browser type and language, Internet Service Provider (ISP), and the web page you visited before navigating to our Services.  

• Usage and Session Information. We collect usage information, such as how many visitors visit a specific page, how long they stay, which links they click on, and how, when and how often they order particular services, and session information, such as mouse actions, pages visited, screen actions and other interaction patterns. 

• Device Information. We collect information about the computer or mobile device you use to access our Services, including the hardware model, operating system and version, unique device identifiers and mobile network information. 

• Location Data. If you are using mobile Services, we may collect location data directly from your mobile device if your device allows us to do so. In addition, your IP address may provide an approximate geo-location.  

• Transaction Information. When you purchase a service, we collect information about the transaction, such as the date and location of the purchase. 

• Emails. When you receive emails from us, we collect information about whether and when you opened the email, whether you clicked on the images and links in the email, and whether your computer or mobile device is capable of receiving HTML-based email. 

Information Collected from Calls 

When you call us or when we call you, we may monitor and/or record those calls for quality assurance and customer satisfaction purposes. In those jurisdictions where consent is required for a party to record a telephone call, you consent to us recording such calls. We treat the records of these calls, when linked to your unique identifier(s), as personal information. 

Information We Collect from Porch Group Companies and Third Parties 

The Porch Group Companies provide Guardian with information they collect from their customers and business partners.  For example, if an inspector purchases software services from a different Porch Group Company, that company may provide your information to Guardian to allow us to offer other business-related services to you. 

We may also obtain information from other sources, such as companies who partner with us to offer discounts, promotions or services to their customers or users.  

Guardian also obtains personal information from third party data providers and public sources.  Guardian may match the personal information you provide directly to us (for example, your email address) with information obtained from other sources (such as your name, telephone number, and mailing address). 

Aggregate and Anonymized Information 

We may also aggregate (group) or de-link/de-identify (anonymize) information. Aggregated, anonymized data is not personal information subject to this Privacy Policy, and we may use it to analyze usage of the Services or for any other purpose. We may also share aggregated and/or anonymized information with Porch Group Companies and our and their business partners. For example, based on the information we have obtained from and about individuals, we may compile a list of addresses that we believe are associated with an individual moving to a new address and provide that list (without any unique identifiers for the individual) to our business partners. 

Categories of Personal Information Collected  

In the last 12 months, Guardian has collected the following categories of personal information from the categories of sources described above. We consider this information to be personal information to the extent that it is information that uniquely identifies you, is unique financial information, or is linked to your unique identifier(s), or if it is defined as personal information by applicable state law.  

Sensitive Personal Information 

We do not use or disclose sensitive personal information.  

How We Use the Information We Collect 

In general, we use the information we collect to operate our business, including: 

• To provide, maintain, improve and personalize the Services and the services of other Porch Group Companies. 

• To process transactions, provide and improve customer service, communicate with you about your account, changes in our policies or other service matters, and otherwise manage our customer relationships. 

• To market products and services from Guardian, the Porch Group Companies, and our and their business partners, optimize marketing campaigns, and analyze their effectiveness, distribution and reach. 

• To develop new products and services (including improving algorithms). 

• To administer contests, promotions or sweepstakes. 

• To detect, investigate and address technical issues, security incidents, fraudulent transactions, abuse, violations of our agreements and policies, and illegal activities. 

• To comply with our legal obligations and legal process. 

• To create aggregated or de-identified data sets. 

• To carry out certain short-term activities and other reasonable internal purposes related to the Services, the products or services you purchase through us or your ongoing relationship with us.  

• To perform other business purposes described at the time the information is collected or as otherwise set forth in applicable data privacy laws. 

Guardian will not collect additional categories of personal information or use the personal information we collect for materially different, unrelated, or incompatible purposes without providing you notice.  

How We Share Information 

Except as described in this Privacy Policy, we do not sell or rent your personal to any third party. If we share your personal information, we do so only as follows: 

Porch Group Companies 

We share information with Porch Group Companies for marketing purposes, to allow them to improve their products and services (such as confirming or supplementing information they have about a person or to classify a person as a mover), in connection with the data, technical, legal, accounting, and other services shared between the Porch Group Companies, and for other internal business purposes. The Porch Group Companies will be bound by the terms of this Privacy Policy with respect to personal information received from Guardian and will use that personal information only as described in this Privacy Policy. 

For those residing in California, Colorado, Connecticut, Montana, Oregon, Texas, Utah or Virginia, state law grants you additional rights (see below for information on the rights currently granted by state). You, or your legally designated representative, may submit a request to exercise your rights by completing our online form. Completing the form online will allow us to work on your request more quickly and efficiently, but you can also get help by calling (855) 976-3138. Please see below for more information on our process for verifying we have received a legally valid request.  

Guardian will not discriminate or retaliate against you if you elect to exercise any legally available rights as described in this Privacy Policy. If you would like an authorized agent to submit a request on your behalf, please send us an email at [email protected] for instructions and additional information we need to respond to a request when submitted by a legally authorized agent. 

Identity verification requirement  

The law requires that we validate the identity and legal authority associated with certain personal information requests, including for customers residing in states granting additional rights as set out below. As a result, we may require that you take additional steps to validate your identity and legal authority, particularly where you make a request through our online form. Should you fail to confirm your request within the relevant timeframe and/or fail to provide the additional information requested, your request will be considered unvalidated and closed. 

We will provide a response to any personal information request within the timeframe required by law. If we cannot substantively respond to your request in a timely manner, we will notify you and provide the reason for the delay. 

Under certain circumstances, we may not be able to fulfill your request, such as when doing so would interfere with our regulatory or legal obligations, where we cannot verify your identity, or if your request involves disproportionate cost or effort. But we will respond to your request within a reasonable time, as required by law, and provide an explanation. 

For California residents 

California law requires that we provide certain disclosures, including a description of legal rights, to those who reside in the state of California. If you are a California resident, this section applies in addition to all other applicable rights and information contained in this Privacy Policy.  

For California disclosures, please see the Information We Collect and How We Use The Information We Collect sections above for information about the categories of personal information we collect and categories of recipients to which we have disclosed such information over the preceding 12 months. 

As a California resident, you have the right to request: 

• To know more about and access your personal information.  

• That we correct your personal information that is inaccurate. 

• That we delete your personal information. 

To exercise the access and deletion rights described above, you may submit a verifiable consumer request to us by either: 

• Calling us toll free at (855) 976-3138; or 

• Visiting our webpage at https://porch.com/about/privacy/datarequest

In addition, California law also gives you the right to request that we limit the use of your “sensitive” personal information. Guardian does not use any sensitive personal information to make inferences about you and uses sensitive personal information only for reasons set forth in this Policy and as permitted by the California Consumer Privacy Act. 

The rights granted to you under California law may provide us with exceptions to fulfilling your request, including where we need to retain the information to fulfill a legal obligation, complete a transaction with you, prevent fraud or any other purpose permitted by law. 

Should you wish to appeal a determination we have made with regard to your personal information request, send an email to privacy@porch.com within 14 days of receiving a final response from us. Include “Data Subject Rights Appeal” in the subject line of your email, and provide your name, the email address associated with your request and any relevant information for us to investigate your appeal. We will provide a response to your request for an appeal within a reasonable time and in accordance with applicable law. 

Do not sell or share my personal information. As described above, we may work with certain advertising partners to show ads that are targeted to your interests. These activities may be considered “selling” or “sharing” of your personal information under California law. To opt out of these activities, you must submit a request using our online form and adjust settings for each device and browser you use with the Properties. We do not knowingly “sell” or “share” the personal information of consumers under 16 years of age. 

For our customers residing in Colorado, Connecticut, Montana, Oregon, Texas, Utah and Virginia 

Colorado, Connecticut, Montana, Oregon, Texas, Utah and Virginia laws require that we provide certain disclosures, including a description of legal rights, to those who reside in those states. If you are a resident of Colorado, Connecticut, Montana, Oregon, Texas, Utah or Virginia, this section applies in addition to all other applicable rights and information contained in this Privacy Policy. 

As a resident of Colorado, Connecticut, Montana, Oregon, Texas, Utah or Virginia, you have the right to request: 

• To know whether we are processing your personal information, access to that information and to receive a copy of your personal information. 

• That we correct your personal information that is inaccurate. 

• That we delete your personal information. 

• To opt out of the processing of your personal information for the purposes of providing you with targeted advertising.  

For our customers residing in Oregon, you also have the right to request that we provide you with a list of the third parties we share personal information with. 

To exercise the access and deletion rights described above, you may submit a verifiable consumer request to us by either: 

• Calling us toll free at (855) 976-3138; or 

• Visiting our webpage at https://porch.com/about/privacy/datarequest.

Should you wish to appeal a determination we have made with regard to your personal information request, send an email to privacy@porch.com within 14 days of receiving a final response from us. Include “Data Subject Rights Appeal” in the subject line of your email, and provide your name, the email address associated with your request and any relevant information for us to investigate your appeal. We will provide a response to your request for an appeal within a reasonable time and in accordance with applicable law. 

Other than as set forth in this Policy, we do not collect or process personal information that may be considered “sensitive” and subject to the laws in Colorado, Connecticut, Montana, Oregon, Texas, Utah or Virginia. We do not use personal information for profiling in furtherance of decisions that produce legal or similarly significant effects concerning a consumer. 

Retention 

Guardian retains personal information as long as it is needed for business or legal purposes. We retain transactional information for at least seven years to ensure we can perform legitimate business functions, such as accounting for tax obligations. We also retain your information as necessary to comply with our legal obligations, resolve disputes and enforce our terms and policies. 

Governing Law; Visitors Residing Outside the United States