Privacy Policy
Introduction
Titan Flood, Inc. (“Titan Flood,” “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and protect information when you use our flood insurance platform, website, APIs, and related services (collectively, the “Services”).
Titan Flood operates as a Managing General Agent (MGA) and technology platform that facilitates flood insurance coverage through our carrier partners, including policies issued through Scottsdale Insurance Company (a Nationwide company). When you obtain a flood insurance policy through our platform, both this Privacy Policy and the privacy notice provided by the issuing insurance carrier apply to the handling of your information.
Information We Collect
Information You Provide
We collect information you provide directly to us, including:
• Contact information (name, address, email, phone number)
• Property information (address, type, construction details, elevation data)
• Financial information (payment details, bank account information)
• Insurance history and claims information
• Other information necessary to provide flood insurance quotes and coverage
Information Collected Automatically
When you access our Services, we automatically collect certain information, including:
• Device and browser information
• IP address and location data
• Usage data and interaction with our platform
• API transaction data
Information from Third Parties
We may receive information about you from third parties, including:
• Insurance agents and distribution partners
• Flood risk data providers and modeling services
• Property data vendors
• Claims databases and insurance support organizations
How We Use Your Information
We use the information we collect to:
• Provide flood insurance quotes and bind coverage
• Process applications, endorsements, and policy changes
• Assess flood risk and determine appropriate pricing
• Process premium payments and manage billing
• Facilitate claims processing with our carrier partners
• Communicate with you about your policy and our Services
• Comply with legal, regulatory, and contractual obligations
• Detect and prevent fraud
• Improve our Services and develop new products
• Support our reinsurance arrangements
How We Share Your Information
We may share your information with:
• Insurance Carriers: We share your information with the insurance companies that issue your policy, including Scottsdale Insurance Company and other Nationwide affiliates.
• Distribution Partners: We share information with insurance agents, agencies, and other distribution partners who facilitate your policy.
• Service Providers: We engage third party vendors to perform services on our behalf, including technology services, payment processing, and data analytics.
• Reinsurers: We share information with reinsurance companies that support our coverage programs.
• Regulatory Authorities: We disclose information as required by insurance regulators, law enforcement, and other government agencies.
• Legal Requirements: We may disclose information in response to legal process, to protect our rights, or as otherwise required by law.
Data Security
We implement appropriate technical and organizational measures to protect personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, secure data transmission protocols, and regular security assessments.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including satisfying legal, regulatory, accounting, or reporting requirements. For insurance records, this typically means retaining information for the duration of your policy plus additional years as required by state insurance regulations and statute of limitations periods.
Your Rights and Choices
Depending on your state of residence, you may have certain rights regarding your personal information, including:
• The right to access your personal information
• The right to correct inaccurate information
• The right to request deletion of your information (subject to legal and regulatory requirements)
• The right to opt out of certain data sharing practices
• The right to receive a copy of your information in a portable format
To exercise these rights, please contact us using the information provided below.
State-Specific Disclosures
For California Residents
Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have additional rights regarding their personal information. We do not sell personal information. California residents may request information about the categories of personal information we have collected and disclosed about them in the preceding 12 months.
For Florida Residents
Florida residents have rights under Florida’s insurance privacy regulations to access and correct personal information held by insurance institutions. We comply with all applicable Florida Department of Financial Services requirements regarding the protection and disclosure of consumer information.
For Vermont Residents
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Children's Privacy
Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website with a new effective date. Your continued use of our Services after such changes constitutes your acceptance of the updated policy.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please
contact us at:
Titan Flood, Inc.
4830 W. Kennedy Blvd., Ste 600
Tampa, FL 33609
Email: privacy@titanflood.com
Phone: 813.444.3176
