Privacy Policy

Welcome to Butter! This privacy policy (“Privacy Policy”) describes the information Sidewalk Group, Inc., dba Butter, (“we”, “us”, “our” or “Sidewalk” or “Butter”) collects when you (“you” or “your”) use or access our websites at www.butterinsure.com, www.butterhq.com and their subdomains ("Sites") through which we offer our services (the “Services”) as an insurance agent for small businesses. It also explains how we use and share the information and what steps we take to protect it.

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

1. 1. Information we collect

   What types of information we gather and share depends on the Services you have with us. We may collect the following information:

   • Your name, contact information;
   • Your login information when you log into our platform;
   • Account information such as account number and customer number. Business information, such as profit sharing and ownership interests; business name; business address; and business credit score;
   • Application or quote information, such as Federal Employer Identification Number (FEIN) and Vehicle Identification Number (VIN); and your payment history and claims information.

   If you use our Sites, we may also collect information about the browser you are using. This information may include:

   • Your IP address or other device identifying information, browser type, browser language, the date and time of your request, and one or more cookies, web beacons, pixel tags, and other tracking technologies (collectively, "Cookies") that may uniquely identify your device; and information obtained through the use of Cookies.

   We treat all information about you, whether received from you or from a third-party, in accordance with this Privacy Policy and our Terms and Conditions.

2. 2. What are our sources of personal information?

   We collect personal information about you from the following sources:

   From You

   We collect your contact information, login and account information, business information and any other personal information when you provide it to us in connection with the Services you request. When you make a purchase in connection with the Services, we also retain a record of your purchases and order history.

   From Your Device

   Our Sites use Cookies to distinguish you from other users of the Sites.

   You do not need to allow Cookies to visit most of the Sites. However, enabling Cookies may allow for a more tailored browsing experience and is required for certain parts of the Sites to work.

   What are Cookies?

   Cookie is a tiny file that is stored on your computer. It contains a unique identifier, as well as the address and other information about the website you are visiting. Cookies help us know whether you are a returning visitor to our Services. For example, although you may not log in when you visit our Sites, we can use cookies to recognize that you have visited the Sites in the past. By using cookies, we are able to understand what is of interest to our customers and ensure the content and Services we offer are relevant and compelling when you visit our Sites.

   Web beacons, pixel tags, and other tracking technologies are small strings of code placed on a web page or in an e-mail or advertisement. These technologies allow your browser to recognize and store certain types of information such as cookies previously set, the time and date that you viewed the page with the beacon, and a description of that page.

   Some cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website (“Strictly Necessary Cookies”).

   From advertisers

   In some cases, the advertisers that serve ads on our Sites will share your e-mail or online identifiers with us so that we can make sure their advertisements or offers reach you.

   From business partners

   We partner with credit reporting agencies that may share your business and application or quote information so we can provide you with the Services you request.

   From service providers

   We work with service providers that collect personal information on our behalf in order to provide services to us, such as hosting our websites, processing our credit card transactions, and other activities needed to help us provide our Services to you.

3. 3. How do we use the information we collect?

   We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:

   Regular Business Purposes

   We use the information you provide to update account(s), process or service requested or authorized transactions, secure quotations for insurance, obtain insurance coverage or report or process claims.

   For Our Analytic Purposes

   We may use your information to develop new Services, conduct research and to create anonymous or aggregated reporting for its own use.

   For Our Marketing Purposes

   We may use your information to offer our Services to you.

   For Compliance with Legal Requirements

   It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations or court orders. We may share information pursuant to a government agency or investigatory body request.

4. 4. How is your information shared?

   With affiliates

   We share your personal information with other businesses affiliated with us, which have their own privacy policies and are not subject to this Privacy Policy.

   With our service providers and business partners

   We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this site, sending email messages, and making phone calls.

   With other business partners

   In order to sell, solicit, and negotiate insurance, we may disclose yur information to insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, loss adjusters, lawyers, accountants, and others involved in the claims handling process. We also may share your account, business, and application or quote information with credit reporting agencies to provide you with the Services that you request. Under certain circumstances we may remain liable for the acts of third parties who perform services on our behalf for their handling of personal information that we transfer to them.

   For administrative and legal reasons

   We reserve the right to disclose or use your information if we have a good faith belief that this is necessary to (a) protect and defend our rights, property, or liability or rights, property, or liability of our affiliates, other users of our Sites, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third-parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security, or technical issues, or (f) respond to an audit.

5. 5. How can you limit the sharing of your information?

   We respect your privacy and your right to limit the sharing of your information.

   The federal law gives you the right to limit:

   • Sharing your personal information for affiliates' everyday business purposes;
   • Affiliates from using your personal information to market to you; and
   • Sharing for non-affiliates to market to you.

   Please note that state laws may give you additional rights to limit sharing of your personal information.

   To limit the use and disclosure of your personal information, please submit a written request to support@butterinsure.com.

   In addition:

   • You can opt out of receiving marketing emails by following the instructions in any marketing email or text message you receive.
   • If you do not wish to allow our Sites to use Cookies, you may configure your browser to block them. Please understand that blocking Cookies may reduce the functions and Services our Sites make available to you.

   For more information on how to reject or delete cookies, you should consult with your browser's or device's help documentation or visit www.aboutcookies.org. At this time, we do not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. You can also opt out of internet-based advertising by installing a browser plugin from third-parties where available.

6. 6. What steps do we take to protect your information?

   We protect your personal information through the use of encryption technology. We use industry standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmitted over the Internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.

7. 7. Additional Matters

   Updating and Correcting Your Information

   Keeping your information accurate and up-to-date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting your account manager.

   Continued Use of Information

   Even if you are no longer our customer, we may continue to share your information as described in this Privacy Policy.

   External Links and Third-Party Privacy Policies

   We may post links to third-party websites that are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third-party sites and are not responsible for the privacy practices of any third-party. We encourage you to read the privacy policies and terms of use of any third-party websites you visit.

   International Users

   The Services are operated in the United States and intended for users located in the United States. If you access this site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. You acknowledge that the United States may not provide the same level of protections as the laws of your country.

   Children

   The Services are not intended for anyone under the age of 18, and we do not knowingly collect, use or disclose information of children under the age of 18. We will delete any personal information collected that we determine to be from a user younger than the age of 18.

8. 8. Communications

   For additional information, or if you have questions regarding this Privacy Policy or privacy practices at Sidewalk, please email us at support@butterinsure.com.

9. 9. Changes to Privacy Policy

   This Privacy Policy may be revised at any time to reflect changes in the law or in our business operations. Any changes will be effective immediately upon the posting of the revised Privacy Policy. Sometimes there may be material changes to this Privacy Policy that we want to apply retroactively. If so, we will notify you and obtain your consent to the extent required by law.