Privacy Policy

(Last modified May 1, 2017)

Introduction, Definitions and Acceptance

Welcome to the Slice Website and / or Application. We are confident that you will find our Services useful. This Privacy Policy (the “Policy”) covers several different situations, so please refer to the following definitions for clarification:

“Application” refers to the free app for iOS or Android created and owned by Slice. Application also includes any Application updates and upgrades that Slice may provide to you or make available to you, or that you obtain after the date you obtain your initial copy of the Application, to the extent that such items are not accompanied by a separate Privacy Policy. The Application may be specified as either “iOS Application” or “Android Application”, for use in that Application’s operating system environment.

“Device” refers to the handheld or tablet device onto which you downloaded the Application and are using the Services. The Device may be specified as either an “iOS Device” or “Android Device”.

“Insurance Policy” refers to the Slice Homeshare Business Insurance Policy which defines the coverage (and related terms) for the Insured when a Logged-in User uses the Services to purchase on-demand insurance.

Insured” refers to an individual (or individuals) who is (are) the beneficiary of the on-demand insurance purchased through the Services, as more fully defined in the Insurance Policy.

“Services” are the proprietary software services that Slice has developed to allow you to purchase on-demand insurance and submit insurance claims, which may be used either through the Website or the Application.

“Slice” refers to Slice Insurance Technologies Inc., a duly incorporated company in the State of Delaware, USA. Where the present Policy refers to “Slice”, it may refer to Slice or its employees, officers, directors, subcontractors, agents or representatives, depending on the context. Any reference to “we”“our”, or “us” in this Policy shall also refer to Slice. In this Policy, a Website visitor or Services user may be referred to as “you”. When a user has created an account and is logged in, they may be referred to as a “Logged-in User”.

“Website” is the website located at http://www.slice.is which is owned and operated by Slice, and includes all subdomains (including but not limited to https:// versions of the Website), present and future. Without limiting the generality of the foregoing and uses of the Website, the Services may be accessed on the Website, at the subdomain https://apps.slice.is.

Additional definitions may be made throughout this Policy, but they will be recognizable as they will be capitalized, bolded, and in quotation marks. Additional definitions may also be found in the Terms of Use, and will have the same meaning in this Policy as they do there. The definitions found in this Policy shall also apply to the Terms of Use.

Please read this Policy carefully. By visiting the Website, using the Services on the Website, or downloading, using or accessing the Application on your Device, you hereby accept to be bound by the terms of the Policy without any reservations, modifications, additions or deletions. If you do not agree to all the provisions contained in the Policy, you are not authorized to use the Website or Services. If you have downloaded the Application and do not agree to all the provisions of the Policy, you must delete the Application from your Device. Where you are using the Services to purchase on-demand insurance for the benefit of a third party, you represent and warrant that the third party has given you their consent to be bound by the Policy for such a purpose.

Slice reserves the right to modify or replace any of the Policy. Any changes to the Policy can be found at this URL. If there are any changes to the Policy that materially affect the way we treat your information, you will be notified upon logging-in to the Services or via email. Your use of the Website and / or Application following your being notified any changes to the Policy constitutes acceptance of those changes.

The Policy should be read in conjunction with the Terms of Use and the Insurance Policy (as applicable), as all these documents govern your use of the Website and / or Services.

If you have any questions about the Policy or if you wish to inquire about and / or access any Personal Information Slice holds about you, please contact:

Slice Legal Services
legal@slice.is

or:

Slice Legal Services
33 Irving Place, Suite 4017B
New York, NY 10003
USA

 

General Statement of Privacy and Protection of Personal Information

Slice takes your privacy and security of Personal Information very seriously. We have provided a secure environment and this strict Policy that describes the limited ways the information is used, and the limited access to such information.

 

What Does This Privacy Policy Cover?

This Policy covers the treatment (including but not limited to collection, use and retention) of personally-identifiable information, i.e. any information that identifies an individual, or can be used in conjunction with other information to identify an individual (“Personal Information”) and other information gathered by Slice when you are using or accessing the Website or using the Services. This Policy also covers Slice’s treatment of any information or Personal Information that Slice may share with its business partners or other third parties under very limited circumstances.

This Policy does not apply to the general practices and treatment of information (whether personal or not) by third parties that Slice does not own or control, including but not limited to any third party websites or services that you elect to access through the Website or Services or via a link from the Website or Services (“Third Party Website”), or to individuals that Slice does not manage or employ. While we attempt to facilitate access or link only to those Third Party Websites that share our respect for your privacy, we cannot take responsibility for the content or privacy policies of those Third Party Websites. We encourage you to carefully review the privacy policies of any Third Party Website you access.

Finally, this Policy does not cover any Personal Information you send to Slice via any non-secured mode of communications such as email, instant messenger, or Twitter. Communications via these methods may be subject to interception, loss, or alteration. While we welcome your comments and suggestions sent to us in this manner, we encourage you to carefully consider what Personal Information you send to Slice via these methods.

 

No Collection of Personal Information as a Matter of Course

Slice does not, as a matter of course, gather any of your Personal Information while you are using the Website or Services, unless you are asked to provide such information, for example by signing up for an account. Personal Information is only gathered with your informed consent. Where you have provided Personal Information, it will only be used for the stated purpose, as detailed more specifically in the next section of this Policy.

 

Personal Information Collected and Its Uses

The following is an exhaustive list of Personal Information collected from you when you use the Website or Services and what we use it for. You acknowledge that you are submitting this Personal Information with your informed consent.

  • Email Address. You may submit your email address to be added to our mailing list, to receive news and updates from Slice about Slice’s activities.
  • Employment application information. When you apply for a career position at Slice through the Website, the Personal Information we collect is your first and last names, your email address, and any Personal Information you choose to share in your cover letter. We use this Personal Information to evaluate your fitness for the position to which you applied and to communicate with you about the position.
  • Account Information. As specified in the Terms of Use, users of the Services will be required to create an account and provide the following Personal Information in order to use them (“Account Information”): a valid email address, first and last names, address of the Business Premises (your submission of which may optionally be aided by the use of geolocation services), and your mailing address if different from the Business Premises address. Account Information is used to manage your account, to verify your credentials for logging-in to the Services, to communicate with you information about your account or on-demand insurance when necessary, to determine the Premium to be paid when using the Services to purchase on-demand insurance, to facilitate the purchase of on-demand insurance, and to facilitate the processing and payment of your Claim(s), as applicable.
  • Billing Information. As a Logged-in User purchasing on-demand insurance, you will be required to enter the following information in order to make payment(s) for your Premium(s): credit card holder name, credit card number, credit card expiry date, card security code (CVV), and billing address if different from your Business Premises address. In this Policy, this shall be referred to as “Billing Information”. Billing Information is only used to process the credit card transaction for charging of Premiums for your purchase of on-demand insurance. For more details on the treatment of your Billing Information, please see the “Secured Payments” section further below in this Policy.
  • Claims Information. When you use the Services to submit a Claim, you may voluntarily submit photographs or documents related to the Claim, which may include Personal Information. These photographs or documents may include geo-location or other metadata, which shall also be used for the purposes described in this paragraph.  If we do not have your phone number, you must submit this as well. Additionally, you may submit Personal Information about your Renter, or contact information (name, address, phone number) of any injured third parties as applicable. All of this information may be referred to in this Policy as “Claims Information”. When submitting Claims Information about third parties to us, you acknowledge that you have their consent and permission to do so. We use this Claims Information to process your Claim, to determine whether your Claim has merit and the amount to be paid under your Claim, and to communicate with you about your Claim.

For the purpose of clarity of this Policy, all of the above sub-categories are considered Personal Information. Any of the Personal Information above may be used for Slice’s internal business purposes and for record-keeping, as may be required under any law or regulation.

 

Security and Encryption of Information

Slice uses standard industry practice (physical, electronic and procedural) to protect all data collected (including Personal Information). In addition, Slice uses third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run the Website and the Services, and these third parties have been selected for their high standards of security, both electronic and physical. For example, Slice uses industry leader Amazon Web Services to store data (including Personal Information) and to provide some of the necessary infrastructure to operate the Website and Services.

Where you are a Logged-in User purchasing on-demand insurance paying your Premium through the Services, all transaction data, including Billing Information, is transferred using encrypted Transport Layer Security (“TLS”), the standard for Internet transactions.

 

Gathering of Information for Statistical, Analytical, Monitoring and Security Purposes

Slice automatically collects certain information using third-party analytics programs and services such as Google Analytics  to help us understand how our users use the Website, Application and Services, but none of this information identifies you personally. For example, each time you visit the Website, we automatically collect your IP address, browser and computer type, access times, the web page from which you came, and the web page(s) you access (as applicable). When you log in to the Services via the Application we collect similar information. We use information collected in this manner only to better understand your needs and the needs of the Website or Services users in the aggregate. Slice also makes use of information gathered for statistical purposes to keep track of the number of visits to the Website, the specific pages on the Website, and non-identifiable information on users of the Services with a view to introducing improvements.

Your IP address and other relevant information may be used to detect and trace any fraudulent or criminal activity, any activity in violation of the Terms of Use, or as part of routine security monitoring.

Slice uses several other third party programs or services to monitor activity and / or collect analytics on the Website and in the Application, but only in the general and / or aggregate sense. . While information about Services activity is transferred to these third parties from the Website or Application, none of this information can identify you personally.

 

Non-disclosure of Personal Information to Third Parties

Except as provided in the next paragraphs and the next section of this Policy (“Personal Information Transfer to Third-Party Providers”), Slice does not divulge any Personal Information gathered via the Website or Services to third parties. Moreover, Slice does not sell, rent, trade or license any Personal Information regarding its users to third parties. Only the employees, representatives, subcontractors, officers, agents, or assigns of Slice (hereinafter collectively “Representatives”) are responsible for the management and development of the Website and Services, and only these individuals have access to the information collected there. These Representatives all have been instructed to comply with the Policy.

Notwithstanding anything in the Policy to the contrary, we may share any information we have collected about you or that you have submitted (whether Personal Information or not): (1) in response to subpoenas, court orders, or legal processes; or to establish, protect, or exercise our legal rights or defend against legal claims or demands; (2) if we believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, fraud, or situations involving potential threats to the safety of any person, or any violation of the Terms of Use; (3) if we believe it is necessary to investigate, prevent, or take action regarding situations that involve abuse of the Website or Services infrastructure or the Internet in general (such as voluminous spamming, denial of service attacks, or attempts to compromise the security of the Website or Services infrastructure or the Website or Services generally); (4) to a parent company, subsidiaries, joint ventures, or other companies under common control with Slice (in which case we will require such entities to honour this Policy); (5) if Slice merges with another entity, is subject to a corporate reorganization, sells or transfers all or part of its business, assets or shares (in which case we will require such entity to assume our obligations under this Policy, or inform you that you are covered by a new privacy policy).

In addition to the above transfer of Personal Information, aggregated, anonymous data comprised of Personal Information may be transferred to our business partners and other third parties for legitimate business purposes, but as this data is aggregated it in no way can identify you personally.

 

Personal Information Transfer to Third-Party Providers

Slice uses certain “Third-Party Providers” in order to supplement the operation of the Website and Services. Personal information is transferred from Slice to these Third-Party Providers, but only to the extent required in order for the Website or Services to function properly, and only upon your express submission of such information. Slice transfers your Personal Information to the Third-Party Providers as described in this section only for the purposes described herein. By using the Website or Services you consent to this transfer. If you are a Logged-in User and would like further details as to Third-Party Providers who are receiving your Personal Information, please email us at support@slice.is.

  • Purchase of On-Demand Insurance

    Slice uses several Third-Party Providers in the course of setting your Premium and offering on-demand insurance. The address of your Business Premises is verified and completed if necessary by a Third-Party Provider, and the Business Premises information is submitted to a Third-Party Provider so that Slice may receive information about the value of the Business Premises in order to aid in determining the amount of the Premium. On-demand Insurance available through the Services is underwritten by Great Lakes Reinsurance (UK) SE, and your Account Information is transferred to them for their record-keeping of all Slice Insureds and Logged-in Users purchasing on-demand insurance.

  • Secured Payments

    Slice uses the Third-Party Provider Stripe for processing of secured payments of Premiums for your purchase of on-demand insurance. Stripe has our permission to store, on behalf of Slice, the data pertaining to the executed transactions by Logged-in Users purchasing on-demand insurance (including all Billing Information) with the goal of ensuring a secure method of payment and proof of purchase archive, allowing for the protection of Logged-in Users purchasing on-demand insurance, for follow-up as needed, and for repeat payment of Premiums. This data may be used for validation purposes of Logged-in Users purchasing on-demand insurance, and to trace any fraudulent activities if necessary. When you make a purchase using Stripe, you are subject to the Privacy Policy of Stripe, which we encourage you to read. When you are a Logged-in User, you have the option of storing your Billing Information to facilitate purchases in the future so it does not have to be re-entered. This information is displayed on your account page, but it is not stored on servers controlled by Slice, with the exception of billing address if it is the same as the Business Premises address. The information is retrieved by your browser or the Application from servers controlled by Stripe for repeat payments of Premiums.

  • Submitting Insurance Claims

    When you use the Services to submit a Claim, Slice uses a Third-Party Claims Processor (as defined in the Terms of Use) for processing and determination of the value of your Claim. Slice transfers your Account Information and your Claims Information to the Third-Party Claims Processor in order to facilitate these tasks and to communicate with you about your Claim, and the Third-Party Claims Processor shall use it for no other purpose. The Third-Party Claims Processor will not transfer your Personal Information to any other third party, except as required to perform their functions in processing and assessing your Claim.

  • Communications – Email and Chat

    Slice uses a Third-Party Provider  to manage our mailing list and send out emails, transactional and otherwise, as well as to manage online chat. Personal Information (your name and email address) is transferred to the Third-Party Provider in order for the communications to function properly. Your Personal Information is only used to send out emails or perform chat properly; the Third-Party Provider does not use this Personal Information for any other purpose, and will not transfer or sell your Personal Information to any other third party.

  • SMS Communications

    Slice uses a Third-Party Provider for sending out of communications via SMS. Personal Information (your name and mobile number) is transferred to the Third-Party Provider in order for the SMS communications to function properly. The Third-Party Provider does not use this Personal Information for any other purpose, and will not transfer or sell your Personal Information to any other third party.

General Information Transfer from the Services

Any information (personal or not) the Services collects while you use them is transferred from your computer or Device to servers controlled by Slice, and Slice may obtain this information as a result of the data being sent to our servers from the Services. The information, however, is only used (or not used) by Slice as described elsewhere in this Policy.

 

Permissions – iOS Devices

The following is a complete listing and description of what functions on the Device that were developed by third parties are accessed and / or modified by the iOS Application on iOS Devices. Where noted, these will function with explicit user permission only. You acknowledge that denying explicit permission may affect or reduce your user experience with the Services.

  • Location – Allows the Application to access your current location (user permission only)
  • Notifications – The Application may send you notifications (user permission only)
  • Device & App History – The Application may read this log data stored on your Device
  • Wi-Fi Connection Information – The Application may retrieve network connectivity and speed information from your Device

 

Permissions – Android Devices

The following is a complete listing and description of what functions on the Device that were developed by third parties are accessed and / or modified by the Android Application on Android Devices. Where noted, these will function with explicit user permission only. You acknowledge that denying explicit permission may affect or reduce your user experience with the Services.

  • Location – Allows the Application to access to your current location (user permission only)
  • Notifications – The Application may send you notifications (user permission only)
  • Device & App History – The Application may read this log data stored on your Device
  • Wi-Fi Connection Information – The Application may retrieve network connectivity and speed information from your Device

 

User Control and Uninstall for the Application

For the Application, you can access and change certain user settings from the settings menu on your Device. You may also uninstall the Application; uninstall methods may vary depending on your Device or the iOS or Android version of the Application. Slice has no control over these functions and denies any responsibility of your use thereof, or any data or Personal Information sent to third parties as a result of said activities.

 

Access, Correction and Deletion of Personal Information

If you wish to inquire about and access what Personal Information Slice holds about you to verify and / or correct it, or if you wish to delete any Personal Information held about you from our databases, please contact us using the information further up in this Policy. You may also delete your account (and thus your Personal Information) by sending an email to support@slice.is.  Please note that deletion of your Personal Information will make it impossible for you to use the Services. Notwithstanding the foregoing, deletion of your Personal Information will not cancel any on-demand insurance in force at the time of deletion. Please note that if you request deletion of your Personal Information, Slice reserves the right to retain some of your Personal Information for a reasonable time in order to satisfy our legal obligations, or where we reasonably believe that we have a legitimate reason to do so.

 

Tracking Technology (“Cookies” and Related Technologies)

Slice uses tracking technology (“cookies”) on the Website and in the Application and by using the Website or Application you agree to their use. Cookies are small text files placed on your hard drive or memory of your computer or Device when you visit a website or use an application, in order to track use and to improve the user experience by storing certain data on your computer or Device. The Website and Services use “session cookies,” which improve your user experience by storing certain information from your current visit on your computer or Device.

Some of the cookies on the Website or in the Application are provided by the third parties mentioned elsewhere in this Policy in order to facilitate the functions on the Website or Services performed by those third parties. Specifically, Slice uses cookies to perform the following functions:

  • to facilitate your signing-in on the Services;
  • to provide general internal and user analytics;
  • to conduct research to improve the content of the Website and Services;
  • to facilitate payment processing, and repeated payment processing in the Services;
  • to assist in identifying possible fraudulent activities.

Your browser or Device can be set to refuse cookies or delete them after they have been stored. Please refer to your browser or Device’s help function for instructions. Please note that deleting or refusing these cookies may reduce your user experience by requiring you to re-enter certain information, including information required to use the Services. Furthermore, as we use authentication cookies, deleting those cookies may prevent certain functions, including the entirety of the Services, from working at all. Slice and its Representatives shall not be held responsible for any function that may not operate after you refuse or delete cookies, or any losses or damages (pecuniary or otherwise) arising from those functions not operating, or having reduced functionality.

 

Risks Associated with the Internet and Wireless Data Transmission

Despite Slice’s best efforts to ensure that third parties will not access or obtain your Personal Information through your use of the Website or Services, complete confidentiality and security cannot currently be guaranteed on the Internet and / or where data is transferred via wireless digital technology of any type. Communication via the Internet and / or wireless technology is subject to interception, loss, or alteration. You acknowledge and agree that Slice and its Representatives cannot be held responsible for damages resulting from the transmission of confidential information or Personal Information over the Internet and that such communications are at your own risk.

 

Children’s Privacy Statement

The Website and Services are not intended for children under the age of 13. We do not knowingly collect any Personal Information from a child under 13. If we become aware that we have inadvertently received Personal Information from a person under the age of 13 through the Website or Services, we will delete such information from our records.

 

Transfer of Information Outside Your Jurisdiction

Your information (including Personal Information) may be stored and processed in the United States or any other country where Slice or their Third-Party Providers have facilities, and by using the Services or otherwise submitting information (including Personal Information), you consent to the transfer of information outside of your country.

 

© Slice Insurance Technologies Inc. 2017