Privacy Policy

Last revised on: April 24, 2025

Frontier Risk Group Inc., Frontier Risk Insurance Services LLC and their affiliates (collectively, the “Company”) respect your privacy and are committed to collecting, maintaining and using personal data about you responsibly. This Privacy Policy (the “Policy”) applies to all of your use of https://www.frontierrisk.com/ or services offered through related sites (including, without limitation, https://app.frontierrisk.com and https://knowyourcoverage.co/), (each, a “Company Site” and collectively, the “Company Sites”), and any of the Company’s applications, products or services (together with the Sites, the “Services”). To the extent that any of those Services include specific privacy policies or terms and conditions, they will take priority over this Policy. This Policy describes how your personal data will be treated as you use our Services.

Please also review the Terms of Service that govern your use of our Services.

1. Information we collect from you when you visit company sites

You are not required to submit any Personal Data (as defined below) to the Company Sites. However, you may choose to do so by completing forms available in several sections of the Company Sites, including filling out one of our surveys or filling out an insurance pre-qualifier or application.  “Personal Data” means any data that identifies, relates to, or describes an identified or identifiable natural person. Common or examples include: your name, address, telephone number, e-mail address, Social Security number (only if provided through an insurance or bond application), information about your device, and certain metadata.
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We may collect Personal Data from you that you submit to us through the Company Sites, such as:

i. your first and last name,
ii. e-mail address,
iii. mailing address,
iv. Social Security number (only if provided through an insurance or bond application), and phone number,
v. financial information, such as your insurance policy information and premium payment or claims history, or
vi. credit card, bank account or other account information as may be required to facilitate your payment of insurance premium or similar amounts; such information is provided through payment processing systems maintained by third parties, such as insurance carriers or our payment processor, and such data is not stored on our Company Sites in any manner and will be subject to such third party privacy policies and terms.  

If you provide us feedback, complete the survey or contact us via e-mail, we will collect your name and e-mail address, as well as any other content included in the form. We may also collect Personal Data at other points in the Company Sites that state that Personal Data is being collected.

Social media information. If you choose, you may interact with the Company via social media websites, plug-ins, or applications. Information on a social medial platform may be used by us. We may use the information to respond, to promote our business and services, and in the normal course of our business operations. We may collect Personal Data, such as your social media username, and other personal characteristics that you have made publicly available on the social media website. Your privacy settings on social media platforms determine the information made available to the Company when you engage with the Company via social media. Note that the third-party operators of social media websites also receive such information, and their use of your Personal Data is governed by their own privacy policies.

Job applicant information. Personal Data required to apply for employment may be collected through the Company Sites, in-person, over the phone, or by email, or may be collected on our behalf by our contracted third-party administrator(s) for applicant tracking purposes and by background check providers. These third-party administrators are permitted to process the information you provide only for purposes of providing services to us. We collect the information you provide to us, such as you name, email address, phone number, address, the content of any comments, your resume, and any cover letter you provide.

Information in publicly available databases. If you choose to enter your business name to “See Your Savings” and receive a report, we may use publicly available databases and access certain publicly available Personal Data.

2. Information we automatically collect from you when you visit the Company Sites

Like many websites, our server logs capture, and we may have collected Personal Data automatically, including through the use of cookies and similar technologies. The following types of internet or other electronic network activity information may be collected: information regarding Company Site users’ operating systems, browser software, type and language, IP (Internet Protocol) addresses, location data, mobile device ID, services navigation history and habits,  operating system, and the full Uniform Resource Locator (URL) clickstreams to, through and from the Company Sites, including date and time. We may use this information to improve the services we provide through the Company Sites, to monitor and improve the performance of our servers, to administer the Company Sites, and to protect and defend our rights, property or safety or that of our clients and other users of the Company Sites. We may collect information about the programs watched by visitors on the Company Sites. We may log this information to determine which videos that Company Sites’ visitors consider useful. This information also helps us understand your preferences, improve your experience, and customize content.

Cookies we may use fall into several categories:

  • Essential Cookies: These are necessary for the operation of our Company Sites and cannot be disabled.
  • Performance and Analytics Cookies: These cookies help us analyze how visitors interact with the website by collecting aggregated and anonymous data.
  • Functionality Cookies: These cookies help us remember your preferences, such as language settings, to enhance your experience.
  • Targeting/Advertising Cookies: These cookies collect information about your browsing habits to show you ads that are more relevant to your interests.

Managing Cookies
You may choose to disable some or all cookies by adjusting your browser settings. However, please be aware that disabling cookies may affect your ability to use certain features of our website.

Third-Party Cookies
We use Google Analytics to analyze the use of our Company Sites. Google Analytics gathers information about our Company Sites use by means of cookies and may store information regarding browser type, device type, IP address, and user behavior on our Company Sites. The information gathered relating to our Company Sites is used to create reports about the use of our Company Sites and track visitor behavior, assess and improve our website's performance, or to inform our marketing efforts. If you do not wish to have your information collected by Google Analytics, you can opt-out by adjusting your browser settings or by using the Google Analytics Opt-out Browser Add-on. You can see how Google uses data when you use our Company Sites by viewing Google’s privacy policy available at: https://policies.google.com/privacy and the partner privacy policy at https://policies.google.com/technologies/partner-sites or other link provided by Google from time to time. You can disable cookie tracking and learn more about the privacy policies of the third parties we use by visiting the following links: Google Analytics Opt-out Browser Add-on and Google Privacy Policy.

We also use PostHog to gather analytics on how users interact with our Company Sites. PostHog collects data on user behavior patterns, including clicks, page views, and time spent on specific pages, helping us to enhance site usability and improve your experience. PostHog collects non-personally identifiable information, such as anonymized IP addresses, device type, operating system, and on-site behaviors (clicks, page views, session duration). This information is used to analyze user engagement and identify areas for improvement on our website. It allows us to see aggregated and anonymized usage trends to enhance site performance. You may opt out of tracking by disabling cookies or using browser privacy settings.

3. Our use of Personal Data

We use the Personal Data we collect for the purpose for which it was collected and in accordance with the privacy wording on the relevant part of the Company Sites. In addition, we may use Personal Data to:

• carry out any obligations arising from any contracts entered into between you and the Company;
• provide you with insurance coverage and related services;
• communicate with you about insurance policies and premiums;
• assist with claims management or processing of insurance claims and payments;
• communicate with you about our business;
• provide publications, products and services you request;
• invite you to, and register you for, events;
• add you to mailing lists and send you marketing materials we believe will be of interest to you;
• process and respond to requests, enquiries and complaints;
• develop new Services, conduct research and to create anonymous or aggregated reporting for its own use;
• evaluate and improve the Services we offer or may offer in the future;
• maintain the safety, security, and integrity of our Services, for example, by authenticating users and providing account security and fraud detection;
• monitor, detect, and prevent fraud and improper or illegal activity;
• use inferences drawn from Personal Data to create a profile reflecting your preferences, so we can tailor our Services to you;
• process and complete transactions, including collecting payment and contact information to process your transactions;
• process your employment application, including verifying statements made on your application (e.g., credit and employment history) and performing background and credit checks; and
• comply with legal and regulatory requirements.

Your information may be accessed by other third party service providers who will process that information solely for our benefit and in accordance with our instructions - see the “Our disclosure of Personal Data” section below for more information. However, we will not provide your Personal Data to or share it with any third party for their own marketing purposes except in connection with requests you make that clearly involve third parties. This might include publications produced by third parties or events that are presented or sponsored by third parties. This will be made clear to you before you sign up for the publication or event. California residents, please refer to the “Privacy rights” section below for more information about opting out of disclosures to third parties for their own marketing purposes.

4. Your ability to access and update your Personal Data and opt out of marketing communications

The Company takes appropriate steps to avoid unauthorized changes to Personal Data you submit to the Company Sites. For so long as the Company elects to continue to provide the Company Sites, and provided that you comply with all agreements concerning use of these sites, we will make all reasonable efforts to provide you with online access to your registration data and other Personal Data so that you may view, update or correct it. To protect your privacy and security, we will also take appropriate steps to verify your identity before granting you access or enabling you to make corrections.

You may opt out of receiving marketing and market research communications at any time by using the unsubscribe links provided in the communications.

5. Our disclosure of Personal Data

We generally only disclose your Personal Data to perform services on your behalf and provide you with the insurance products and services you expect from us. In addition, in order to operate our business and to you with the services you request from us, information technology and other support service providers with which we maintain an arrangement may also have access to your Personal Data. The Company may also disclose and/or transfer your Personal Data:

• to insurers, reinsurers, brokers, underwriters, insurance reference bureaus, motor vehicle record lookup services, medical services providers, fraud detection agencies, loss adjusters, lawyers, accountants, and others involved in the underwriting and claims handling process; These processors are contractually obligated to maintain the confidentiality and security of your data and are prohibited from using it for any purpose other than providing the requested analysis;
• to our trusted third party service providers (for example, companies that provide systems, web hosting including microsites of the Company Sites and other IT services; internal and external advisors and auditors);
• if required by applicable law;
• in connection with a reorganization or combination of Company with another firm or company;
• if we believe that such disclosure is necessary to enforce or apply our terms of use, terms of service, and other agreements or otherwise protect and defend the Company’s rights, property or safety or that of our clients and other users of the Company Sites;
• in order to comply with a judicial proceeding, court order or other legal obligation, or a regulatory or government inquiry; or
• with consent.

To facilitate the analysis of Uploaded Documents, we utilize third-party services, including ChatGPT, provided by OpenAI which process data on our behalf. Please refer to OpenAI’s privacy policy for detailed information on how they handle and protect your data: https://openai.com/policies/privacy-policy.

6. Our retention of Personal Data

We retain information that is collected through the Company Sites only for as long as needed for the purpose for which it was provided, or as otherwise required for our legitimate business purposes. Even if you are no longer our customer, we may continue to share your information as described in this Policy. Your information may be retained for longer periods if there are valid legal grounds, for example if required by law or court order or to defend or pursue legal claims.

7. Privacy rights

Certain jurisdictions have specific legal requirements and grant privacy rights with respect to Personal Data, and we will comply with restrictions and any requests you submit as required by applicable law. For example, you may have the right to: (1) request additional information about our data collection, use, disclosure, and sales practices in connection with the consumer’s Personal Data; (2) request the specific Personal Data collected about the consumer; (3) request the deletion of the Personal Data we have about the consumer; (4) request a restriction on certain processing of Personal Data; or (5) request correction of inaccurate information. You may also have the right to not be discriminated against for exercising your privacy rights. If you seek to exercise your rights under the law of a certain jurisdiction, please contact us at legal@frontierrisk.com.

California residents are entitled to contact us to request information about whether we have disclosed Personal Data to third parties for the third parties’ direct marketing purposes. Under the California “Shine the Light” law, California residents may opt-out of our disclosure of Personal Data to third parties for their direct marketing purposes. You may choose to opt-out of the sharing of your Personal Data with third parties for marketing purposes. To make such a request you should send an email to legal@frontierrisk.com with the subject heading “California Privacy Rights.” In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California privacy rights requirements and only information on covered sharing will be included in our response. We reserve our right not to respond to requests submitted to addresses other than the addresses specified in this paragraph.

8. Links to third party sites

Links to web sites that are not operated by or for the Company (“Third Party Sites”) are provided solely as a convenience to you. If you use these links, you will leave the Company Site. This Policy does not apply to Third Party Sites. We have not reviewed the Third Party Sites, do not control and are not responsible for any of their content or their privacy policies, if any. We do not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the Third Party Sites listed on or linked to from the Company Sites, you should understand that you do so at your own risk.

9. Children's privacy

The Company Sites and the Services are not directed to children under the age of 18. We do not knowingly collect Personal Data from children under the age of 18. If we receive Personal Data that we discover was provided by a child under the age of 18, we will promptly destroy such information. If you believe that we might have any information from a child under age 18 in the applicable jurisdiction, please contact us at legal@frontierrisk.com. If we learn that we have inadvertently collected the Personal Data of a child under 18, or equivalent minimum age depending on jurisdiction, we will take steps to delete the information as soon as possible.

10. Security

The Company maintains administrative, technical and physical safeguards designed to protect your Personal Data against unauthorized access, improper use or disclosure, unauthorized or unlawful destruction or accidental loss. However, no data transmission over the Internet or other network can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Company Sites or Services, we cannot and do not guarantee the security of any information you transmit on or through the Company Sites or Services, and you do so at your own risk.

11. Updates to this Policy

This Policy may be updated from time to time for any reason. We will notify you of any material changes to our Policy by posting the new Policy here (https://www.frontierrisk.com/privacy-policy) and we will change the “Last Revised” date above. You should consult this Policy regularly for any changes.

Any information collected under previous versions of our Policy will then become subject to the terms of our new Policy.

12. Contact us; rights

To limit our disclosure of your Personal Data with affiliates or non-affiliates for marketing purposes (and for any other purpose which applicable law provides you a right to require us to limit our sharing of your Personal Data), you may at any time submit a request to us by contacting Frontier Risk Group Inc. and Frontier Risk Insurance Services LLC at legal@frontierrisk.com or 1-833-FRG-RISK (1-833-374-7475).

You may have additional rights concerning the disclosure or sharing of Personal Data under state law.  Each request will be reviewed and responded to in accordance with applicable laws. In order to cover internal costs for responding to access requests, the Company may charge a reasonable fee to individuals desiring access to their Personal Data.