Privacy policy

Harper Group Corp. (“Harper,” “we,” “us,” or “our”) is an AI-native commercial insurance brokerage. This Privacy Policy explains how we collect, use, disclose, and protect information in connection with:

• Our website at harperinsure.com and any related sites that link to this Privacy Policy (the “Site”), and
• Our commercial insurance brokerage and related services (the “Services”).

Harper operates in the United States and currently serves U.S.-based commercial businesses. All production systems and data are hosted in U.S. data centers.

By using the Site or Services, you agree to the practices described in this Privacy Policy.

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1. Scope and Definitions

• “Personal Information” means information that identifies, relates to, describes, or could reasonably be linked to an individual or household, or to an identifiable business contact (e.g., name, email, phone, driver information).
• “Business Information” means information about a business entity (e.g., business name, EIN, locations, revenue, payroll, operations).
• “Services” means our AI-enabled commercial insurance brokerage services, including quoting, placement, servicing, communications, and related support.

When we use the term “Personal Information” in this Privacy Policy, we are referring to Personal Information and Business Information that is associated with an identifiable individual (for example, a business owner, employee, driver, or other contact).

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2. Information We Collect

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We collect information directly from you, from your use of the Site and Services, and from third parties such as insurance carriers and service providers.

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When you visit the Site, we automatically collect certain information about your device and how you interact with the Site, including:

• Browser type and version
• IP address and general location (e.g., time zone)
• Operating system and device type
• Referring and exit pages
• Individual web pages viewed, links clicked, and time spent
• Date and time of visits

We refer to this automatically collected information collectively as “Device Information.” We collect this Device Information using:

• Cookies – small data files placed on your device that may include an anonymous unique identifier.
• Log files – records of actions on the Site (e.g., IP address, browser type, ISP, referring/exiting pages, timestamps).
• Web beacons, tags, and pixels – electronic files used to record information about how you browse the Site or interact with emails.

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When you contact us, request quotes, or otherwise interact with us, we may collect personally identificable information including buyt not limited to:

• Name
• Business name
• Phone number
• Email address
• Address.

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In the course of providing commercial insurance brokerage Services, we collect information about your business and your insurance needs, including but not limited to:

• Business name, DBA, and entity type
• Employer Identification Number (EIN/FEIN)
• Business locations and property details

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We may collect and retain information from your communications with us, including:

• Emails sent to or from Harper
• Text messages (SMS) sent to or from Harper phone numbers
• Phone calls, which may be recorded with your explicit consent at the start of the call

This information may contain Personal Information and Insurance Application Data. We use it to provide Services, maintain records, train internal systems, and improve quality.

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You or your business may provide documents such as:

• Loss runs and claims reports
• Financial statements and tax-related documents (where required by carriers)
• Contracts, leases, or other risk-relevant agreements
• Photos and inspection reports

These may be provided by you, by prior brokers, or by insurance carriers/wholesalers.

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We do not intentionally collect:

• Biometric data
• Medical or health data (we do not currently offer health or life insurance products)
• SSN

3. Personal Information Use

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We use Personal Information for:

1. Providing and improving our Services
2. Communicating with you
3. Operating and improving the Site and internal systems
4. Compliance, legal, and security

We do not use AI or any automated system to fully and finally determine your eligibility for insurance or to bind coverage without human involvement and review by licensed professionals and carriers.

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4. Communications

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By sending us a message or providing a mobile phone number to Harper, you consent to receive text messages related to but not limited to:

• Quotes and applications
• Policy information and servicing
• Requests for information or documents
• Renewal and follow-up reminders

You may opt out at any time by replying STOP to any text message you receive from us. After you reply STOP, we will send a confirmation message and will no longer send text messages unless you re-enable messaging or contact us again in a way that requires a response.

Message and data rates may apply depending on your mobile plan.

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5. Analytics

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We use cookies and similar technologies to:

• Remember preferences and improve user experience
• Analyze Site traffic and usage
• Measure and improve marketing efforts
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We may use Google Analytics or similar tools to understand how visitors use the Site.

• You can learn more about how Google uses your information here:
• https://policies.google.com
• You can opt out of Google Analytics here:
• https://tools.google.com/dlpage/gaoptout

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We may use Device Information and limited identifiers to provide or measure interest-based advertising through third parties such as:

• Facebook: https://www.facebook.com/ads/preferences/
• Google: https://adssettings.google.com/
• LinkedIn: https://www.linkedin.com/psettings/advertising
• Bing: https://choice.microsoft.com/

You can also opt out of certain targeted advertising via: http://optout.aboutads.info/

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We do not sell your Personal Information. All information is collected for internal usage only.

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6. Do Not Track

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Some browsers send “Do Not Track” (DNT) signals. We currently do not respond to DNT signals and do not change our data collection practices when we receive such signals. You can control cookies and tracking technologies through your browser settings and industry opt-outs described above.

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7. How We Share Personal Information

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We share Personal Information only as reasonably necessary to provide our Services, fulfill legal obligations, and operate our business. This may include but is not limited to obtaining quotes and provide financing options.

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This sharing is necessary for us to provide brokerage services.

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For AI vendors, we use enterprise channels that state that they do not use customer data to train their foundation models.

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We may disclose information if we believe in good faith that it is necessary to:

• Comply with applicable laws, regulations, legal processes, or governmental requests
• Respond to subpoenas, court orders, or regulatory inquiries
• Protect the rights, property, or safety of Harper, our customers, or others

If Harper is involved in a merger, acquisition, financing, reorganization, or sale of assets, Personal Information may be transferred as part of that transaction, subject to contractual confidentiality protections and applicable law.

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We do not sell or rent your Personal Information or customer lists to data brokers or ad networks.

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8. Artificial Intelligence

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Harper is an AI-native brokerage, but insurance decisions are not fully automated.

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We use AI systems to:

• Classify and extract information from documents (quotes, policies, endorsements, applications)
• Draft emails and messages for internal review before sending
• Assist with organizing and prioritizing tasks, follow-ups, and workflows
• Provide internal guidance to our staff during calls and servicing

Final decisions are always reviewed and approved by licensed human insurance professionals and carriers, not made solely by AI.

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Our proprietary and fine-tuned models are trained exclusively on data generated from Harper’s operations, such as:

• Customer communications (emails, texts, call transcripts)
• Insurance applications and internal data structures
• Policy documents, quotes, endorsements, and appetite guides
• Internally labeled operational data created by Harper staff

Controls include:

• Evaluation against “golden” labeled datasets
• LLM-as-a-judge quality assessments
• Monitoring for systematic errors and bias
• Human review and override for high-risk uses

We do not use AI for:

• Health or life insurance risk determinations
• Public-sector eligibility determinations

9. Data Retention

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We retain Personal Information:

• For as long as necessary to provide the Services and maintain our relationship with you, and
• As required under state insurance regulations and record-keeping requirements, which typically require retention for 5–7 years (and sometimes longer for certain records).

We may retain anonymized or aggregated information that does not identify you. Where legally and operationally feasible, we will delete or de-identify Personal Information upon request, subject to our regulatory obligations.

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10. Data Security

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We maintain a comprehensive information security program designed to protect Personal Information against unauthorized access, use, alteration, and disclosure. However, no system is completely secure, and we cannot guarantee absolute security.

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11. International Data Transfers

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Harper currently serves U.S. commercial businesses and operates infrastructure in the United States. If you access the Site from outside the U.S., your information will be transferred to and processed in the United States, where data protection laws may differ from those in your jurisdiction.

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12. Your Privacy Rights

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Your rights will depend on your state of residence and applicable insurance and privacy laws. Subject to legal and regulatory requirements, you may have the right to:

• Request access to the Personal Information we maintain about you
• Request that we correct inaccurate information
• Request deletion of certain information, subject to regulatory record-keeping obligations
• Opt out of certain marketing communications

Because Harper is a regulated insurance brokerage, we may be required to retain certain records even if you request deletion. We will explain any denial or limitation of your request where required by law.

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You may submit privacy requests using the contact information in Section 15.

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Harper primarily serves U.S. customers. If you are an EU/UK resident using our Site or contacting us, you may have rights under the GDPR/UK GDPR, including rights of access, correction, deletion, restriction, and portability. All data is processed in the United States.

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13. Children’s Privacy

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Our Site and Services are intended for business customers and adults. We do not knowingly collect Personal Information from children under 13. If we learn that we have collected such information, we will take steps to delete it as required by law. If you believe a child has provided us with Personal Information, please contact us.

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14. Changes to This Privacy Policy

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We may update this Privacy Policy from time to time to reflect changes to our practices, technologies, or legal requirements. When we make changes, we will update the “Effective Date” at the top of this page.

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If changes are material, we may provide additional notice (such as by email or a notice on the Site).

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15. Contact Us

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If you have questions about this Privacy Policy, our privacy practices, or would like to submit a request or complaint, you may contact us at:

Email: privacy@harperinsure.com

Mail:

Harper Group Corp.

181 S Park St

San Francisco, CA 94107

United States