Privacy Policy

1. Introduction

RateMyAdjusters LLC ("RateMyAdjusters," "we," "our," or "us") operates the website ratemyadjusters.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and protect information about you when you visit our Site or use our services.

This Privacy Policy is provided for general informational purposes only and does not constitute legal advice. By accessing or using our Site, you agree to this Privacy Policy. If you do not agree with our practices, please do not use our Site.

Nothing in this Privacy Policy is intended to create, and does not create, any contractual, fiduciary, or attorney–client relationship between you and RateMyAdjusters LLC.

2. Information We Collect

2.1 Information About Insurance Adjusters

Our Site displays information about licensed insurance adjusters. This information is collected from:

• Public Records: We aggregate publicly available license data from state insurance department databases, including names, license numbers, license status, license type, issue dates, expiration dates (when available), and business cities/states.
• User Submissions: Users may submit information to add adjusters not yet in our database.
• User Reviews: We display reviews submitted by users and, where applicable, reviews compiled from publicly available online sources such as forums and discussion boards.

Privacy Protection for Adjusters: We do not publicly display personal contact information (phone numbers, email addresses, or specific street addresses) for adjusters, even when such information exists in public records. In our public interface, such fields may be labeled as "Not Available for Display" or similar. Internal records, where maintained, are used only for limited purposes such as verification, fraud prevention, or compliance.

2.2 Information You Provide to Us

We collect information you voluntarily provide, including:

• Account Information: If you create an account, we may collect your email address and display name.
• Reviews: When you submit a review, we collect the review content, ratings, claim type, claim outcome, and your selected reviewer type (homeowner, contractor, or public adjuster).
• Profile Claims: If you are an adjuster claiming your profile, we collect the verification information you choose to provide so we can attempt to confirm your identity and association with that profile.
• Contact Forms: If you contact us through a web form on the Site, we collect the information you submit (such as your name, approximate role, and the content of your message). Messages submitted through web forms may be routed internally for handling and record-keeping.

2.3 Information Collected Automatically

When you visit our Site, we automatically collect certain information, including:

• Device Information: Browser type, operating system, device type, and similar technical details.
• Usage Information: Pages viewed, time spent on pages, referring URLs, and general interaction patterns on the Site.
• IP Address: We may log IP addresses for a limited period for security, fraud prevention, abuse detection, and diagnostics. IP addresses may also be used in aggregate form for analytics. We do not publicly display visitor IP addresses.
• Cookies and Similar Technologies: As described in Section 6, we use cookies and similar technologies to operate and improve the Site.

3. How We Use Your Information

We use the information we collect to:

• Operate, maintain, and improve our Site and services
• Display adjuster profiles and reviews
• Process and publish user-submitted reviews
• Create and manage user accounts
• Handle profile claims and related communications
• Respond to inquiries and requests submitted through our web forms
• Detect, prevent, and address fraud, abuse, and security issues
• Analyze usage trends and improve user experience
• Comply with applicable laws and regulations

We may also use aggregated or de-identified information (which does not identify you personally) for research, reporting, or product development.

4. How We Share Your Information

We do not sell your personal information. We may share information in the following circumstances:

• Public Content: Reviews you submit are publicly displayed on our Site along with your display name (or "Anonymous" if that option is used) and reviewer type.
• Service Providers: We share information with third-party service providers who perform services on our behalf (for example, hosting, analytics, email infrastructure, or security). These providers are expected to use the information only as necessary to provide services to us.
• Legal Requirements: We may disclose information if we believe in good faith that such disclosure is required or permitted by law, regulation, legal process, or governmental request, or if we believe disclosure is reasonably necessary to protect our rights, property, or the safety of our users or the public.
• Business Transfers: If we are involved in a merger, acquisition, financing, or sale of all or a portion of our assets, information may be transferred as part of that transaction, subject to similar privacy protections.

5. Data Retention

We retain information for as long as reasonably necessary to provide our services, support our business operations, and fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Adjuster Profiles: Retained as part of our public database and updated periodically from public records or other lawful sources.
• Reviews: Retained as part of the public record of user-submitted experiences unless removed for policy violations or as required by law.
• Account Information: Retained while your account is active and for a reasonable period thereafter, or until you request deletion, subject to legal requirements.
• Server Logs: Retained for a limited period (generally up to 90 days) for security, debugging, and operational purposes.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to support and improve the Site. Cookies are small text files stored on your device.

We use cookies to:

• Keep you logged in to your account (where applicable)
• Remember your preferences
• Understand how visitors use our Site
• Improve our services and features

Types of Cookies We May Use:

• Essential Cookies: Required for the Site to function (e.g., authentication, security, basic features).
• Analytics Cookies: Help us understand how visitors interact with the Site so we can improve performance and usability.
• Preference Cookies: Remember your settings and preferences.

You can control cookies through your browser settings. If you disable cookies, some features of the Site may not function properly.

7. Third-Party Services

Our Site may use third-party services, including but not limited to:

• Supabase: Database hosting, storage, and authentication services.
• Vercel: Website hosting and content delivery.
• Cloudflare: Security, DDoS protection, and content delivery network services.
• Analytics Providers: Tools that help us understand Site usage and performance.

These third parties have their own privacy policies and terms, which govern their use of your information. We encourage you to review those policies where relevant.

8. Your Rights and Choices

Depending on your location and applicable law, you may have certain rights regarding your personal information, which may include:

• Access: Request information about the personal data we hold about you.
• Correction: Request correction of inaccurate information.
• Deletion: Request deletion of certain personal information, subject to legal retention requirements and our need to maintain a record of Site activity.
• Opt-Out: Opt out of receiving any optional communications that you previously opted into.
• Data Portability: Request, where applicable, a copy of your personal information in a portable format.

For Insurance Adjusters: If you are an insurance adjuster and wish to:

• Claim your profile and respond to reviews
• Request correction of inaccurate license or profile information
• Report a review that you believe violates our guidelines

You can use the "Claim Profile" feature on your profile page where available, or contact us through our web form as described in Section 14. We may request supporting documentation as part of any correction or claim process.

Defamation and Abuse Reports: Requests regarding alleged defamation, harassment, or other abuse on the Site may be handled under our Review Guidelines and Terms of Service, which govern what content is permitted and how we process reports.

9. Security

We implement reasonable technical and organizational measures designed to protect the information we collect, including:

• Use of HTTPS/TLS to encrypt data in transit
• Access controls and authentication for administrative tools
• Use of reputable hosting and security providers
• Monitoring for unusual or abusive activity

However, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee absolute security of any information transmitted to or from the Site.

10. Children's Privacy

Our Site is not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us so we can take appropriate action.

11. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) or similar state laws, including:

• Right to know what categories of personal information we collect and how we use it
• Right to request access to and deletion of certain personal information
• Right to know whether we sell personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

To exercise these rights, you may contact us using our web form as described in Section 14. We may need to verify your identity before responding to certain requests.

12. International Users

Our Site is operated from the United States. If you are accessing the Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our service providers are located. By using the Site, you consent to such transfers.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. In some cases, we may provide additional notice (such as a banner on the Site). Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Privacy Policy.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, you may contact us using our secure online form:

Communications submitted through the Site's contact form are for general inquiries only and do not create any professional, fiduciary, or attorney–client relationship. We do not guarantee a response to any particular inquiry and do not undertake any obligation to preserve or provide copies of such communications except as required by applicable law.