Privacy Policy

1. Introduction

SecondAppraisal Inc. ("SecondAppraisal," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. Information We Collect

2.1 Personal Information You Provide

We collect information you voluntarily provide when using our services:

• Contact Information: Name, email address, phone number, mailing address
• Account Information: Username, password, account preferences
• Vehicle Information: VIN, make, model, year, mileage, condition, photos
• Insurance Information: Insurance company name, claim numbers, adjuster contact details
• Payment Information: Credit card details, billing address (processed securely through Stripe)
• Documents: Valuation reports, insurance documents, vehicle photos you upload

2.2 Information Collected Automatically

When you access our website, we automatically collect certain information:

• Device Information: Browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, click patterns, referral URLs
• Location Information: IP address, general geographic location
• Cookies: Session cookies, analytics cookies, preference cookies

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our vehicle appraisal services
• To create and manage your account
• To process your consultation requests and payments
• To communicate with you about your consultations and account
• To send you important notices and updates via email or SMS
• To respond to your inquiries and provide customer support
• To improve our services and develop new features
• To analyze usage patterns and optimize user experience
• To detect, prevent, and address fraud or security issues
• To comply with legal obligations

4. Phone Number & SMS Data

When you provide your phone number and consent to receive SMS messages, we collect and use this information as follows:

5. Information Sharing

We may share your information in the following circumstances:

• Service Providers: Third-party vendors who assist us in operating our business (e.g., payment processors, cloud hosting, email/SMS services)
• Legal Requirements: When required by law, court order, or governmental authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share information

Important: We never share your personal information with insurance companies unless you explicitly authorize us to do so as part of our negotiation services.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of data in transit (TLS/SSL) and at rest
• Secure authentication mechanisms including multi-factor authentication
• Regular security assessments and updates
• Access controls limiting data access to authorized personnel
• Secure third-party payment processing (PCI DSS compliant)

7. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Consultation records are typically retained for 7 years for legal and compliance purposes. You may request deletion of your account and personal data by contacting us, subject to legal retention requirements.

8. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request a machine-readable copy of your data
• Opt-Out: Opt out of marketing communications and SMS messages
• Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at privacy@secondappraisal.com.

9. Cookies and Tracking

We use cookies and similar tracking technologies to:

• Maintain your session and remember your preferences
• Analyze website traffic and usage patterns
• Improve our services and user experience
• Detect and prevent fraud

You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of our website.

10. Third-Party Services

We use the following third-party services that may collect information:

• Stripe: Payment processing
• SendGrid: Email communications
• Twilio: SMS communications
• Google Analytics: Website analytics
• Firebase: Authentication services
• Cloudflare: Security and CDN services

These services have their own privacy policies governing their use of your information.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

12. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, and shared
• Right to delete personal information (with exceptions)
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising privacy rights

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last updated" date. Your continued use of our services after changes become effective constitutes acceptance of the revised policy.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: