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This Privacy Policy was last modified on January 9, 2020

This Privacy and Cookie Policy ("Privacy Policy") describes how Trōv, Inc. and its subsidiaries, including, but not limited to, Trōv Insurance Solutions, LLC (dba Trōv Insurance Services in New York) and Trōv International, UK Ltd (collectively, "Trōv") collect, use, maintain and disclose your Personal Data when you visit our website or provide us information. By accessing or using the website, or by submitting information to us, you agree to be bound by this Privacy Policy as well as our Terms of Use. Collectively, these form a legally binding agreement between Trōv and you.

1. Personal Data. Personal Data generally includes any information that permits identification of a specific individual to whom the information refers and may include information (i) that directly identifies an individual (e.g., name, address, social security number or other identifying number or code, telephone number, email address, etc.); (ii) by which an organization intends to identify specific individuals in conjunction with other data elements, i.e., indirect identification; or (iii) enabling physical or online contact with a specific individual. These data elements may include a combination of gender, race, birth date, geographic indicator, and/or other descriptors. This information can be maintained in any form.
2. Collection of Personal Data.We collect information (i) you directly provide to us, (ii) your activity on our website (such as page views), (iii) information collected using automated technologies, including web server logs that compile IP addresses, web beacons, cookies, and other information, e.g., information about your device, operating system, browser, and location. When you provide us with personal and other information, you consent to our collection, use, storage, and disclosure of this information to appropriate third parties for the purposes described herein and within our Terms of Use.
3. Use of Personal Data.We collect information from you, including Personal Data, for a variety of purposes, as described below (collectively. "Purposes"). This may include to i) contact you with relation to our services or products if you expressly provide us with your contact information in connection with our services or products, ii) provide you with information and/or services you request, iii) inform the research and development of new products and services, or iv) conduct employee and other training, or v) fulfill any additional commercial purpose, provided that it is compliant with applicable laws.
4. Disclosure of Personal Data.We do not rent or sell your Personal Data. We never share your data with third parties for the purposes of direct marketing. We may disclose your information, including Personal Data, as follows: i) to service providers working on our behalf, ii) as permitted by, or to comply with, the law, ii) as required for company audits or to investigate a complaint or security threat, or iii) for any other purpose for which you have provided consent.
5. Storage of Your Personal Data.We retain your data as long as necessary to fulfill the purposes for which it was collected unless a shorter retention period is otherwise agreed to by contract. We may hold onto your data for a longer retention period if it is necessary to meet regulatory or legal requirements or in the ordinary course of archiving our business records.
6. Data Security.While we take reasonable measures to protect the information you submit to us from unauthorized access, neither we nor any other recipient can guarantee its absolute security. You should use caution whenever submitting information through email or a website and take special care in deciding which information you provide to us or any other party.
7. Changes.We reserve the right to change this Privacy Policy at any time. You are responsible for periodically monitoring and reviewing any updates. Your continued access or use of our website after such changes will be deemed your acknowledgment and consent of these changes.
8. Third-Party Links.We may include on our website links to other third-party websites. Please be aware that this Privacy Policy does not apply to those websites. We claim no responsibility or liability for the content and activities of these linked sites.
9. Opt-out.You may opt-out of receiving email or telephone communications from us. To opt-out of receiving these communications, please contact us at the email or postal address listed in this Privacy Policy below.
10. Accessing and Updating Your Information.We attempt to maintain reasonably accurate and complete records containing your Personal Data and other information. If you signed up for electronic communications from us, you can unsubscribe at any time. You may also email us at the address listed below. Please provide your current contact information, describe the information you want to access, and your requested changes. We will provide you access to the Personal Data requested, subject to reasonable limitations provided by law. Should we be unable to provide you with the requested access, we will tell you why that is the case.
11. Cookie Policy.We collect information about how you use our website by using cookies. A cookie is a small text file, generated by a website, that is stored in the website user’s internet browser or computer or mobile device hard drive, on a temporary or permanent basis. Cookies allow a website to identify a user’s device whenever that user returns to the website. This provides the user with a more stable and enriching experience and allows a website owner to gather usage information. You can configure your internet browser preferences to limit the acceptance and storage of cookies but blocking all cookies may severely limit your browsing experience on our and other websites. Most browsers also allow you to individually delete cookies, though this may cause you to lose preferences you set for various websites. We may also utilize web beacons and similar tracking technologies to gather information about your interactions with our websites. A web beacon is a one-pixel, usually transparent, electronic image inserted in web content or email messages. It passes information about pages and content viewed by website users.
12. International Users.Trōv and this website are based in the United States. By using the Website, you consent to this collection, transfer, storage, and processing of information in the United States in accordance with the foregoing.
13. We Do Not Intend to Collect Information of Children.We understand the importance of protecting the privacy of children. Our website is not intentionally designed for or directed at children under 18 years of age, and we do not knowingly collect personal information from children on our website. No one under the age of 18 may provide any information, personal or otherwise, to or on our website. If we learn we have collected or received Personal Data from a child under 18 without verification of parental consent, we will delete that information immediately. If you believe we might have any information from or about a child under 18, please contact us at the email address listed in this Privacy Policy.

If you have any questions relating to this Privacy Policy or your Personal Data, please contact us at privacy@trov.com, get.trov.help or at Trōv, 347 Hartz Ave, Danville, CA 94526, Attention: General Counsel.