Lemonade Terms of Service | Lemonade

last updated: November 2, 2021

terms of service

these terms of service (“terms”) govern your access to and use of the application and website (collectively, the “application”) (“services”) provided by lemonade inc. and its subsidiaries Lemonade, Ltd., an Israeli Corporation, Lemonade Insurance Agency, LLC, a New York Limited Liability Company, and Lemonade Life Insurance Agency, LLC, a Delaware Limited Liability Company (collectively with Lemonade, Inc., ” lemonade”, “we”, “us” or “our”), so please read these terms carefully before using the services.

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References to “you” in these terms mean you, your duly authorized representatives and any entity you may represent in connection with your use of the services. Any reference made in these Terms to “Limonada” shall be deemed to be made to Lemonada, Inc., its successors, assigns, and our subsidiaries and affiliates, as well as any company that controls Lemonade, directly or indirectly, and any other subsidiaries of that parent. The Lemonade Family includes, but is not limited to, Lemonade Insurance Agency, LLC, a New York resident insurance agency, licensed and appointed to represent Lemonade Insurance Company in each state in which Lemonade Insurance is sold.

Not all products or services described in the application are available in all areas of the United States, and you may not be eligible for them. we reserve the right to determine eligibility. By accessing or using our services, you agree to be bound by these terms and our privacy commitment. If you do not agree with these terms, which incorporate the privacy commitment by reference, do not access or use our services or any information contained in this document.

We reserve the right, at our discretion, to modify these terms from time to time, which modification will be effective upon posting of the modification on our application, and will apply to causes of action arising after the effective date of the change. you should continue to check the application for changes. your continued use of our application or the services following the posting of changes to these terms will mean that you accept those changes. By accessing or using our services, you confirm that: (i) you can enter into a binding contract with us; and (ii) you are over the age of 18, as the Services are not intended for children under the age of 18. If we learn by reliable means that a registered user is a child under the age of 18, we will terminate that user’s account. and/or access to services. if you are using the services on behalf of a corporation (or any legal entity other than personal use), you represent that you are authorized to enter into an agreement on behalf of that legal entity, and yet you are individually bound by these terms, including if we have a separate agreement with that corporation.

To use the Application, you must have access to a wireless network and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by Google Play or the App Store in connection with the Services, including the App. You agree to comply, and your license to use the Application is conditioned on your compliance, with all applicable third-party terms of use and agreements (for example, Google Play or App Store terms and policies) when using the Services. , including the application . You acknowledge that Google Play and/or the App Store (and its subsidiaries) are third party beneficiaries of the Terms and will have the right to enforce them.

Headings and subheadings used in these terms are inserted for convenience only and shall not affect the meaning or interpretation of these terms. don’t rely on our app for your financial decisions. the content of the website, application and other contents of lemonade is for informational and convenience purposes only. nothing in it should be construed as rendering tax, legal, investment or accounting advice. the publication of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

application license

Subject to these terms and our policies (including any policies made available to you with the services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our services, provided that: (i) you will not copy , distribute or modify any part of the services without our prior written authorization; (ii) you will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.; (iii) you will not transmit any content that contains software viruses or other harmful computer code, files or programs; (iv) will not disrupt servers or networks connected to the Services; and (v) you will comply with these terms.

You acknowledge that (i) the Application contains proprietary information, including proprietary information of third parties, that is protected by law; (ii) we may block, suspend or terminate your use of the Application for your breach of the Terms; (iii) Your ability to use some features of the Application will cease upon termination of your applicable insurance policy. Your use of our services does not give you ownership of any intellectual property rights in our services or the content you access (other than your user content), which will remain with us and our respective licensors.

open source software

certain software code incorporated into or distributed with the application or otherwise with the services may be licensed by third parties under various “open source” or “public” software licenses (collectively, the “open source software”) . Notwithstanding anything to the contrary in these terms, open source software is not licensed under these terms and is instead licensed separately in accordance with the terms and conditions of their respective open source software licenses. you agree to comply with the terms and conditions of such open source software license agreements.

lemonade rights

All right, title and interest in and to the Services, including worldwide intellectual property rights, are and shall remain the exclusive property of Lemonade and its applicable licensors. We reserve all rights not expressly granted in and to the Services.

account information

To access the service, you will need to create an account. You hereby represent and warrant that the information you provide to Lemonade upon registration (including information provided through your Linked Accounts, as defined below) (collectively, your “Account Information”), is true, accurate, current and complet. You also agree that you will ensure that the information in this account is kept accurate and up-to-date at all times.

privacy and passwords

Lemonade values ​​and protects the privacy of your information. Please review lemonade’s privacy pledge as it contains important information related to your use of the service.

Some parts of the application are protected and require a user identification code (“user id”) and a password to access. Unauthorized access to or use of such portions of the Application is prohibited. You agree that you will notify lemonade immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may or has occurred. notify lemonade by email at [email protected]. For your protection, if Lemonade believes that unauthorized access may or has occurred, Lemonade may terminate access to your account without notice. You also agree that lemonade may act on instructions received using your user ID and password and treat such instructions as authorized by you.

linked accounts and social networking sites

Lemonade may, now or in the future, allow you to voluntarily link your account on the Services to your account(s) on third party services such as Google or Facebook (“Linked Accounts”) in order to simplify the processes. registration and login to your lemonade account. If you choose to link your account on the Services to a Linked Account, you are authorizing Lemonade to store and use your first and last name, profile picture, and email address and to enable a login to your Lemonade Account when you authenticate with the account. linked.

user content

general

The Services may ask you to submit content such as text, photos, audiovisual content, and other multimedia content (“User Content”). By providing User Content to Lemonade, you are granting Lemonade a license to use the User Content to make it available through the Service.

license granted by you to lemonade

By uploading User Content, you grant Lemonade a license to display, perform and distribute your User Content and to modify (for technical purposes) and reproduce such User Content to enable Lemonade to operate the Services. you agree that these rights and licenses are royalty-free, worldwide, and irrevocable, and include lemonade’s right to make such user content available and transfer these rights to other persons with whom lemonade has contractual relationships related to the provision of Lemonade, solely for the purpose of providing such services, and to enable access to or disclosure of your User Content to third parties if Lemonade determines that such access is necessary to comply with its legal obligations.

ideas submitted

when you submit ideas, suggestions, documents and/or proposals related to the services (or other products or services) to lemonade through the application or through any other channel or mechanism (collectively, “contributions”), you acknowledge and you agree that: (i) your contributions do not contain confidential or proprietary information; (ii) Lemonade is under no obligation of confidentiality, express or implied, with respect to Contributions; (iii) Lemonade shall have the right to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any manner; (iv) lemonade may have something similar to contributions already under consideration or in development; (v) your contributions automatically become the property of Lemonade without any obligation of Lemonade to you; and (vi) you are not entitled to any lemonade accounting, compensation, or reimbursement under any circumstances.

unauthorized use

do not misuse our services. You agree not to use the Services or any aspect or feature thereof for any unlawful purpose or in any manner that could harm, harm or disparage any other party. Without limiting the preceding sentence, you agree that: (i) you will review and comply with these terms and the privacy commitment; (ii) comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements; (iii) provide us with accurate information and update it as necessary; and (iv) act honestly and in good faith. you agree not to use the app in a way that distracts or interferes with your driving.

By using the Services, you agree not to: (i) create an account for anyone other than yourself (unless you represent a company, organization, legal entity, or brand); (ii) verbally abuse, threaten, harass, intimidate, defame, harass, use hate speech or threaten to harm any employee or agent of the Company; (iii) attempt to use another person’s account or create a false identity; (iv) duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand or otherwise transfer the information found on the Services, except as permitted in these Terms, or as authorized by us expressly; (v) reverse engineer, decompile, disassemble, decipher or attempt to derive the source code of any underlying intellectual property used to provide the Services, or any part thereof; (vi) use or copy information, content or any data you view or obtain from the Services to provide any service that is competitive, in our sole discretion, with the Services; (vii) adapt, modify, or create derivative works based on the Services or the technology underlying the Services, in whole or in part; (viii) rent, lease, loan, trade, sell/resell any information on the Services, in whole or in part; (ix) use the communication systems provided by the services for any commercial solicitation purpose; (x) sell, sponsor or monetize any services or functionality on the Services, without our express written consent; (xi) remove any copyright, trademark or other proprietary rights notices contained in the Services (whether ours or our licensors); (xii) remove, cover or hide any form of advertising included in the services; (xiii) harvest, harvest, use, copy or transfer any information, including without limitation personally identifiable information obtained from the Services (excluding your User Content, and except as expressly permitted by the owner of such information); (xiv) share other users’ or third parties’ information or their user content without their express consent; (xv) infringe or use our brand, logos or trademarks in any trade name, email or url, except as expressly permitted by us; (xvi) use or execute any manual or automated system or software, devices, scripts, robots, other means or processes to access, “scrape”, “crawl”, “cache”, “spider” or any web page or other service contained on our Services, or to access the Services in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period using a conventional online web browser; (xvii) use bots or other automated methods to access the Services, add or download contacts, send or redirect messages, or perform other similar activities through the Services; (xviii) access, through automated or manual means or processes, the services in order to monitor their availability, performance or functionality for any competitive purpose; (xix) engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Application; (xx) attempting or actually accessing the Services by any means other than through interfaces provided by us. this prohibition includes accessing or attempting to access the Services using any third-party services, including software-as-a-service platforms that aggregate access to multiple services; (xxi) engage in any action that directly or indirectly interferes with the proper working of or imposes an unreasonable load on the infrastructure of the Services, including, without limitation, sending unsolicited communications to other users or our staff, attempting to gain unauthorized access authorized to the Services, or transmit or activate computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs through or on the Services; (xxii) interfere with, disrupt, or tamper with the Services, including, without limitation, servers or networks connected to the Services or the underlying software; and/or (xxiii) otherwise violate the terms.

electronic transmissions

By agreeing to receive electronic transmissions, you voluntarily agree that all records, including documents related to your current and future insurance, will be provided to you in electronic format. Insurance-related documents include, but are not limited to:

• your insurance policy and all documents, notices and correspondence related to your insurance policy. this could include identification cards, applications, amendments, endorsements, illustrations, questionnaires, disclosures, and reports;
• invoices, billing notices, payment schedules, or any other correspondence related to the payment of premiums;
• claim notices, disclosures, status letters, forms and correspondence related to a claim arising under your policy or involving you as an insured and/or claimant;
• policies, notices and disclosures legally required to inform you about our business practices, including notices regarding our collection, storage, use and disclosure of your personal information; and
• any other documents related to your insurance transactions with us.

We will use various methods to send you electronic communications, including by email or through our website or application. for this second option, you may need to log in to access the information.

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this consent, unless withdrawn, applies to all transactions between you and lemonade. however, you have the right to receive communications from us, including your insurance policy, on paper if you wish to do so by withdrawing this consent. If you withdraw consent to provide records in electronic format, paper records will be provided to you free of charge.

To withdraw your consent, you can email us at any time at [email protected] with the subject line “withdraw electronic consent”. The body of the email should include your name, policy number, the policy start date, the named insured’s date of birth, the effective date of your retirement, and whether you want (a) all communications to be paper or electronic. (b) your insurance policy will be sent to you on paper.

To change or correct your email address, you can send us an email at [email protected] with the subject line “update email address”. The body of the email must include your name, policy number, the policy start date, the named insured’s date of birth, and the updated email address. Please note that our website address is www.lemonade.com.

Hardware and software requirements: To receive, access, view, sign, and retain electronic transmissions that we make available to you, you must have a personal computer or electronic device with an Internet connection and each of the following:

• browser support internet explorer 10.0 or higher, firefox 59 or higher, safari 10 or higher, chrome 54 or higher;
• ability to view disclosures on your monitor, which can be done with your internet browser;
• sufficient electronic storage capacity on your computer’s hard drive or other data storage unit; and
• a valid email account with an internet service provider.

ios:

• support version ios 13.0 or higher. support for iphone 6s or higher devices, including se.
• we don’t support ipads, but you can still run the app on ipad mini 2 or later.
• The app requires a working microphone and front and rear cameras in order to file a claim.

android:

• supports android version 5.0 or higher, can be run on any android device running this version.
• The app requires internet connection, storage, location, camera, microphone, and vibration permissions.

We will notify you if there are changes in hardware or software requirements that may affect your receipt or consent to electronic transmissions.

third party links, websites and services

The Services may contain links to third-party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We are not affiliated with, do not endorse, or have control over those websites, and do not assume any responsibility or liability for the content, privacy policies, or practices of any third-party websites. In addition, we will not censor or edit the content of any third party sites.

If you access any third party website, service or content from our services, you do so at your own risk. by using the services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising out of your use of any third-party websites, information, materials, products, or services. accordingly, we encourage you to be aware when you have exited the application and to read the terms and conditions and privacy policy of each website you visit.

disclosure

We reserve the right to access, read, preserve and disclose any information we deem reasonably necessary to: (i) satisfy any applicable law, regulation, legal process, subpoena or governmental request; (ii) enforce these terms, including investigation of possible violations thereof; (iii) detect, prevent, or address fraud, security, or technical issues; (iv) cooperate with law enforcement authorities; (v) respond to user support requests; or (vi) protect our rights, property, or safety of our users or the public.

limitation of liability

To the fullest extent permitted by law, the Services are provided “as is.” notwithstanding the limitations set forth below, insurance coverage and our performance under your insurance policy are determined solely by the terms, conditions, exclusions and limitations of your insurance policy and applicable law. you expressly understand and agree that: (a) your use of the services and the purchase and use of any products or services are at your own risk. Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Lemonade expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to, the implied warranties and conditions of merchantability, fitness for a particular purpose, and non-infringement. (b) lemonade does not guarantee that (i) the services meet all your requirements; (ii) the services will be uninterrupted, timely, secure, or error-free; or (iii) all errors in the software or services will be corrected. (c) any material downloaded or otherwise obtained through the use of the services is done at your own discretion and risk, and you are solely responsible for any damage to your computer or other device or loss of data that results from the downloading or use of such material. (d) no advice or information, whether oral or written, obtained by you from lemonade or through the service will create any warranty not expressly set forth in these terms. you expressly understand and agree that, except for damages resulting from a data breach related to personal data collected by the application, lemonade, its subsidiaries, affiliates and licensors, and our and their respective officers, employees, agents and successors shall not be liable to you for any direct, indirect, incidental, special, consequential, or exemplary damages, including, without limitation, damages for lost profits, goodwill, use, data, coverage, or other intangible losses (even if lemonade has been informed of the possibility of such damages) resulting from: (i) the use or inability to use the service; (ii) unauthorized access to or loss, corruption or alteration of your transmissions, content or user data; (iii) statements or conduct of any third party on or using the service, or providing any services related to the operation of the service; (iv) Lemonade’s actions or omissions in reliance on your account information and any changes to your account or notices received from your account; (v) your failure to protect the confidentiality of passwords or access rights to your account information; (vi) the acts or omissions of any third party that uses or integrates with the service; (vii) termination of your account in accordance with the terms of these terms; or (viii) any other matter related to the service. in any event, and without limiting the generality of this section to the extent permitted by law, you agree that our total liability to you for all damages and losses will in no event exceed the greater of (a) $100, or (b ) the total amount (if any) paid by you in the 6 months immediately preceding a claim against us or our affiliates. nothing in these terms (including the limitation of liability provisions) is intended to exclude or limit any conditions, warranties, rights or liabilities that cannot be legally excluded or limited. Some jurisdictions do not allow the exclusion of certain warranties or conditions or the limitation or exclusion of liability for loss or damage caused by willful misconduct, negligence, breach of contract or breach of implied terms, or incidental or consequential damages. accordingly, only those liabilities and other limitations that are lawful in your jurisdiction (if any) will apply to you and our liability will be limited to the maximum extent permitted by law.

task

lemonade reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense or promise in any way any of its rights and obligations under these terms to a subsidiary, affiliate, successor thereof or to a third. whatever, without notifying you or receiving your consent. You may not transfer, assign, delegate, sublicense, or compromise in any way any of your rights or obligations under these terms.

compensation

You agree to defend, indemnify and hold harmless us, our affiliates and our and their respective owners, officers, directors, employees, agents and/or licensors, from and against any claim, damage, liability, loss , liabilities, costs and expenses (including, without limitation, attorneys’ fees) arising from: (i) your use of the services; (ii) your violation of these terms; (iii) your violation of any third party right, including without limitation any copyright, property, publicity or privacy right; including all actions performed on your account; (iv) your violation of any applicable law; or (v) your negligence or willful misconduct. this defense, liability and indemnification obligation will survive any termination of these terms and your use of the services.

applicable law and jurisdiction

These Terms and your use of the Services are governed in all respects by the laws of the State of New York, without giving effect to any principles of conflicts of law. Any dispute relating to the Services or these Terms shall be subject to the exclusive jurisdiction of a court of competent jurisdiction in New York, New York.

general

We reserve the right to discontinue or modify any aspect of the Services at any time without notice, unless other notice is required by applicable law. we may take any steps to ensure your compliance with the terms. These Terms, together with the Privacy Statement and any other legal notices posted by us on the Services, will constitute the entire agreement between us with respect to the Services. If any provision of these terms is held invalid by a court of competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these terms, which will remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and the failure of a party to assert any right or provision hereunder does not constitute a waiver of such right or provision. .

for eu/eea residents:

lemonade, inc., and its subsidiaries lemonade insurance agency, llc, lemonade insurance company and lemonade insurance n.v. (collectively, “Lemonade”) are participants in the EU/US Privacy Shield Framework as established by the US Department of Commerce. . Lemonade has certified that it adheres to the Privacy Shield Principles (the “Principles”) with respect to such data and continues to do so notwithstanding that the European Commission invalidates the Privacy Shield on July 16, 2020. If there is any conflict between The policies in this privacy notice, and the rights of data subjects under the Principles, will govern the Principles. To learn more about the Privacy Shield Program and to view our certification page, visit https://www.privacyshield.gov/. lemonade is subject to the investigative and enforcement powers of the federal trade commission.

Under the Privacy Shield Framework, EU individuals have the right to obtain confirmation from us as to whether we maintain personal information relating to you in the United States. Upon request, we will provide you with access to the personal information we hold about you. You can also correct, amend or delete the personal information we hold about you if it is inaccurate or has been processed in violation of the Principles. a person seeking access should direct their inquiry to [email protected]. If a person requests to correct, modify or delete their personal information transferred to us. uu. Under the Privacy Shield, we will coordinate with our EU affiliate (Lemonade Insurance N.V.) to complete this request, unless an exception applies. Please note that your rights are not absolute and may be subject to regulatory requirements, third-party rights, and our own legitimate interests.

We will provide an individual opt-out, or opt-in of sensitive data, before we share your data with third parties other than those described in this privacy policy, or before we use it for a purpose other than that stated. was originally compiled or later authorized. To request to limit the use and disclosure of your personal information, please send a request in writing to [email protected].

lemonada must disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. lemonade’s responsibility for personal data it receives in the us. uu. under the privacy shield and subsequently transferred to a third party is described in the principles. in particular, lemonade remains liable under the principles if third parties it engages to process personal data on its behalf do so in a manner inconsistent with the principles, unless lemonade demonstrates that it is not responsible for the event giving rise to the harm.

As of July 16, 2020, lemonade also relies on standard contractual clauses to transfer personal data from the eu to third countries outside the eu that the european commission does not recognize as providing adequate protection. For more information, contact us at [email protected]. In addition, Lemonade agrees to cooperate with the EU Data Protection Authorities (DPAs) and to comply with the advice of such authorities, including the European Data Protection Board, with respect to human resources data transferred from the EU. in the context of the employment relationship. In compliance with the Principles, Lemonade is committed to resolving complaints about our collection or use of your personal information. Individuals in the EU with questions or complaints regarding our Privacy Shield Policy should first contact lemonade at [email protected] or by post at the address below.

If you have an unresolved privacy or data use issue that we have not addressed satisfactorily, please contact our US-based third-party dispute resolution provider. us, at no charge to you, at https://www.jamsadr.com/eu-us-privacy-shield. Under certain conditions, more fully described on the Privacy Shield website (https://www.privacyshield.gov/), you may have the right to invoke binding arbitration when other dispute resolution procedures have been exhausted. In cases of subsequent transfer to third parties of data of EU persons received in accordance with the EU-US Privacy Shield, Lemonade is potentially responsible. You have the right to access your personal data and, in certain circumstances, limit the use and disclosure of your personal data, request its deletion and seek to correct any errors in your data. contact [email protected].

Specific Note to EU Employees – Lemonade agrees to cooperate with the panel established by the EU Data Protection Authorities (DPAs) and to comply with any advice given by the panel regarding resource data Humans transferred from the EU, in the context of the employment relationship.

insurance-related notices

These insurance-related notices provide additional information relevant to the products provided by lemonade. in the event and to the extent that these notices conflict with any federal or state law or regulation, the latter shall control.

your representations and warranties

You represent and warrant that:

1. does not lack the legal capacity to enter into a valid, binding and enforceable contract such as an insurance policy;
2. Your purchase of an insurance policy using the Services is voluntary; and
3. has an insurable interest in property or life insured under an insurance policy that you purchase using the services, in the sense that you have a legally sufficient emotional or financial interest that will be adversely affected by the occurrence of an fortuitous event with respect to which coverage is provided under the terms and conditions of that insurance policy.

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In the case of a life insurance policy, these statements are considered representations and not warranties, to the extent required by applicable law.

give back

As a lemonade non-life insurance policy holder, you will have the right to select a “cause for return”, thus joining a virtual group of people who made the same selection. lemonade uses the premiums from each group to pay their claims and expenses, returning any leftover money to their common cause. while availability and amount of money left over are subject to lemonade’s discretion and applicable insurance rules, our stated intent is to calculate the amount of money left over by subtracting from the collective group premium, our flat rate, the costs of the claims, a “rain day fund” and other insurance expenses such as reinsurance- and return what is left over (up to 40% of the group premiums). giveback is lemonade’s policy and an expression of intent, but is not a contractual obligation to you or the cause you selected. we reserve the right to suspend or modify the return policy from time to time.

location services data

For purposes of this paragraph, “you” refers to any driver enrolled in a lemonade policy or volunteer participant in locator services. We collect Driving Data (as defined in the Privacy Pledge) to help you better understand your driving behavior, develop safe driving habits, and improve overall safety. You acknowledge that the App is intended to collect your driving information, but may inadvertently collect driving information from third parties with whom you are a passenger. For more details on the categories of data we capture and how we use it, please see our privacy commitment. You can initiate a dispute about an incomplete or inaccurate item in your handling data by emailing our customer experience team at [email protected]. Except as otherwise provided in these terms or in the privacy statement, or as required by law, the data we collect from you will be treated as non-confidential and non-proprietary, and lemonade does not undertake any obligation to protect data related to your disclosure driving information. lemonade may reproduce, use, and distribute such data to others without restriction, including, but not limited to, sharing such data with lemonade’s licensors and service providers for the purpose of facilitating your participation in the car program.

discounts and premium credits

Discounts and premium credits may apply to customers with multiple policies on all insurance products underwritten by lemonade insurance company. As a “lemonade life” policyholder, you may qualify for a reduced price on a second policy, however no discounts will be applied to your life insurance premium.

digital assistant

the lemonade digital assistant (ai maya) works as an agent for the lemonade insurance company. Insurance purchase conclusions and decisions, such as coverage amounts, limits, and deductibles, are the sole and entire responsibility of the insured. lemonade may, in its sole discretion, change the content and information of the digital assistant from time to time. at the time of claim, coverage and benefits will be determined in accordance with the terms and conditions of your insurance policy. We encourage you to read the applicable insurance consumer guide prepared by the National Association of Insurance Commissioners:

• life https://naic.org/documents/consumer_guide_life.pdf
• home https://www.naic.org/documents/prod_serv_consumer_guide_home.pdf
• car https://www.naic.org/documents/prod_serv_consumer_guide_auto.pdf

credit and credit-based information

If this is your first time using it, please read the following disclosure:

In connection with this insurance, we may request and review (from a third-party consumer reporting agency) your credit report or obtain or use a credit-based insurance score, based on the information contained in that report. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report to help predict how often you’re likely to file claims and how expensive those claims will be. Typical items on a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, presence of collection accounts, bankruptcies, and foreclosures.

If you used our services before and want to renew your policy, please read the following disclosure:

In connection with this insurance, we may have previously requested and reviewed (from a third party consumer reporting agency) your credit report or obtained or used a credit-based insurance score based on the information contained therein. report. we may obtain or use the credit information provided again, upon renewal of the policy. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report to help predict how often you’re likely to file claims and how expensive those claims will be. Typical items on a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, presence of collection accounts, bankruptcies, and foreclosures.

recurring payments by credit/debit card

You understand and agree that we will charge the credit or debit card you use to purchase an insurance policy with us today. thereafter, we will automatically charge the card for the monthly premium, the amount of which may change based on policy changes you initiate and other factors approved by insurance regulatory authorities. your policy is a contract for a certain period; the term indicated in the case of life insurance and one year in the case of other insurance except automobile insurance. your card will automatically be charged for the monthly premium if your policy has a monthly payment plan. We will do the same for any subsequent non-life insurance renewals. you can cancel these recurring payments by canceling your policy in the app. You can also cancel your policy by emailing our customer experience team at [email protected].

information you submit

All information you submit to us for the purpose of obtaining insurance or changing coverage, and for the purpose of claiming insurance benefits, is subject to review and verification. lemonade reserves the right to request additional information before binding insurance or making a decision on a claim. The quotes generated by the Lemonade Digital Platform are based on the information you provided and are not a contract, obligation, or agreement to extend insurance. any description of coverage available on our website is a general description of the coverages available and is not a statement of contract. A lemonade representative may be contacting you regarding your policy or claim. It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits. all policy provisions contained in your policy remain in effect. If you have any questions about the coverage your policy provides, please email our customer service team at [email protected].

consent and authority to obtain information

In connection with any claim under your insurance policy, you agree that third parties may disclose to us all information and documents, whether confidential or non-public, that we deem relevant to the claim, including, without limitation, personally identifiable information, personal financial information, protected health information, and any information you have provided to any law enforcement agency. You hereby authorize lemonade as your agent for the purpose of obtaining the release of such third party information. any information disclosed to lemonade will be retained and used in accordance with our privacy commitment.

confidentiality for victims of domestic violence/persons in danger of new york

The provisions of the New York Insurance Law, Section 2612, establish confidentiality protocols for victims of domestic violence and persons in danger and prohibit insurers from discriminating against victims of domestic violence.

Under this law, if any person covered by an insurance policy delivers to the insurer who issued the policy a valid order of protection against a policyholder or other person covered by the policy, the insurer is prohibited for the duration of an order to disclose to the policyholder or other covered person the address and telephone number of the insured, or of any person or entity providing covered services to the insured. if the covered person is a child, then this right may be exercised by the parent or legal guardian of the child.

The law also provides that no insurer may: refuse to issue or renew, deny or cancel any insurance policy; require or require a higher premium or payment from any person or designate domestic violence as a precondition, for which coverage will be denied/reduced. the fact that a person is or has been a victim of domestic violence is not allowed in the underwriting criteria.

The law also requires a health insurer, as defined in that section of the law to include an accident and health insurer, to honor reasonable requests from a person covered by an insurance policy to receive communications of information related with claims by alternative means or at alternative locations if the individual clearly states that disclosure of the information could endanger him or her. if the covered person is a child, then the child’s parent or legal guardian may apply. the insurer, without the express written consent of the person making the request, is prohibited from disclosing to the policyholder (1) the address, telephone number, any other personally identifiable information of the person making the request, or of the child for whose benefit the request was made made (2) the nature of the health care services provided; or (3) the name or address of the provider of the covered services.

The request must include an alternate address, telephone number, or other reasonable methods of contact. the request must be made by emailing a copy of the protective order to the insurer at [email protected]. To revoke a request that has been received and executed, the applicant must submit to the insurer a sworn written statement revoking the previous request.

For more information, contact the New York State Domestic and Sexual Violence Hotline. new york state domestic and sexual violence hotline: 800-942-6906 (english and spanish) in nyc: 800-621-hope (4673) or dial 311. people who are deaf or hard of hearing: 711.

return premium

You understand and agree that any premium due to you at the time of cancellation, by you or us, will be refunded to the credit or debit card you used to purchase your insurance policy. this includes amounts of five dollars or less.

lemonade insurance agency, llc license numbers

alabama 3000598982‍, arizona 3000179256‍, arkansas 3000249299‍, california 0l73896, colorado 585264‍, connecticut 2562163‍, district of columbia 3000181715‍, florida l109878‍, georgia 198953‍, illinois 3000090494‍, indiana 3380639‍, iowa 1002311302‍, maryland 3000178935‍, massachusetts 2092156‍, michigan 115163‍, mississippi 15038118‍, missouri 8456531‍, montana 3000274902‍, nebraska 100287836‍, nevada 3287873‍, new hampshire 2446182‍, new jersey 1641080‍, new mexico 3000276087‍, new york pc-1417813‍, north carolina 1000573136‍, north dakota 3000274903‍, ohio 1172317‍, oklahoma 3000344874‍, oregon 3000309997‍, Pennsylvania 843565‍, Rhode Island 30000112012‍, South Carolina 3000524129‍, Tennessee 2426943‍, Texas 2210328‍, Utah 732270‍, Virginia 142759‍, Washington 1007172‍, Wisconsin 300023750

license numbers for lemonade life insurance agency, llc

alaska 3001094729‍, alabama 3000977566‍, arkansas 3000768120‍, arizona 3000734729‍, california 6001150‍, colorado 632589‍, connecticut 2666665‍, district of columbia 3000768106‍, delaware 3000768123‍, florida l111264‍, georgia 209970‍, hawaii 516702‍, iowa 1002360254‍, idaho 797729‍, illinois 3000768160‍, indiana 3516863‍, kansas 843457178-0‍, kentucky doi-1071582‍, louisiana 854593‍, massachusetts 2108782‍, maryland 3000768135‍, maine agn361368‍, michigan 125784‍, minnesota 40701291‍, missouri 3000841648‍, mississippi 15038909‍, montana 3000768159‍, north carolina 1000685446‍, north dakota 3000768162‍, nebraska 3000768197‍ , new hampshire 2459292‍, new jersey 3000768203‍, new mexico 3000770453‍, nevada 3515445‍, ohio 1279245‍, oklahoma 3000768167‍, oregon 3000793739‍, pennsylvania 932806‍, rhode island 3000768170‍, south carolina 3000768205‍, south dakota 10027550‍, tennessee 2469201‍, texas 2494538‍, utah 762073‍, virginia 147532‍, vt 3581106‍, washington 1058845‍, wisconsin 3 000768235‍, West Virginia 3000977654‍, Wyoming 443137‍

These Terms of Service will be updated periodically as necessary

Source: https://amajon.asia
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