Privacy Notice

Effective date: September 4, 2025

Who we are: InsureTax LLC ("InsureTax," "we," "us," or "our") is a Lloyd’s coverholder that offers IRS Audit Insurance to small businesses and business‑owner taxpayers in the United States. This Privacy Notice explains how we collect, use, disclose, and safeguard information about you when you visit our websites (including insuretax.com) and when you use our products and services, including quoting, underwriting, policy administration, and claims.

If you have questions or requests, contact privacy@insuretax.com or hello@insuretax.com. Mailing address: InsureTax LLC, Empire State Building, 20 W 34th St., New York, NY 10001.

1. Scope

This notice applies to information we collect:

• Online through our websites, web apps, and chat tools.
• During quoting, underwriting, policy issuance, servicing, and claims.
• From distribution partners, including tax professionals, brokers, and affiliates.

This notice does not change the terms of any insurance policy. If policy terms conflict with this notice, the policy controls for coverage. This notice is not legal advice.

2. Information we collect

We collect information that identifies, relates to, describes, or could reasonably be linked with you or your business ("personal information"). Specific categories include:

A. Identity and contact data

Names, email, phone, mailing address, job title, roles, preferred language, account credentials.

B. Government identifiers

Taxpayer Identification Numbers (SSN, ITIN, EIN), driver’s license or other IDs when required for underwriting, KYC, or fraud prevention.

C. Tax profile and filings

Information you or your tax professional provide about the taxpayer or entity, including federal and state tax forms and schedules (for example 1040 with Schedules C/E/K‑1, 1065, 1120‑S, 1120, 1041), supporting documents, reported income and expenses, ownership, credits and deductions, and related workpapers.

D. IRS audit notices and correspondence

Copies of formal IRS audit notices and related correspondence you upload or forward (for example Letters 566, 525, 2205).

E. Coverage and claims data

Quotes, underwriting notes, policy numbers, coverage selections, endorsements, claim submissions and supporting invoices, adjuster notes, and outcome details.

F. Payments and payouts

Billing and payment details handled by our payment processor (for example last 4 digits, card type, expiration). We do not store full payment card numbers. Bank details you provide for claim payments or reimbursements.

G. Professional and partner data

Tax professional and broker information, firm names, license numbers where applicable, referral codes, and partner attribution.

H. Device, usage, and analytics data

IP address, device and browser type, pages viewed, session data, cookies and similar technologies, and inferences about preferences or usage.

I. Communications

Content of messages you send us by email, chat, forms, or phone, including attachments.

Sensitive personal information. We may process SSNs, government IDs, and financial account data only for limited purposes such as underwriting, servicing, fraud prevention, compliance, and claims. We do not use sensitive personal information to infer characteristics about you.

3. Where we get your information

• Directly from you or someone acting for you.
• Your tax professional, accountant, or broker when they assist with a quote, policy, or claim.
• Our service providers and partners, including payment, hosting, analytics, communications, and verification tools.
• Public sources, governmental records, and regulators, as allowed by law.

4. How we use information

• Provide, operate, and improve our websites and services.
• Verify identity, assess eligibility, underwrite risk, generate quotes and prices, issue and service policies.
• Administer and adjudicate claims, including review of invoices and supporting documents.
• Detect, investigate, and prevent fraud, abuse, and security incidents.
• Comply with legal, regulatory, licensing, surplus lines, auditing, and reporting obligations.
• Maintain business records, accounting, and tax reporting.
• Communicate with you and our partners about your account, policy, or claim.
• Send product, partner, and educational communications where permitted by law; you can opt out at any time.
• Perform analytics, research, quality assurance, and product development.

We create de‑identified or aggregated data for analytics and reporting. We take reasonable steps to prevent re‑identification.

5. Disclosures of information

We disclose personal information to the following categories of recipients for the purposes above:

• Service providers and processors that host, store, process payments, provide analytics, communications, security, support, and other operational services.
• Underwriters, carriers, syndicates, reinsurers, and administrators involved in underwriting, binding, policy servicing, compliance, bordereaux, and claims.
• Distribution partners such as licensed brokers and tax professionals who help you obtain coverage or support a claim.
• Adjusters, experts, and professional advisers such as accountants, lawyers, and auditors.
• Regulators and governmental authorities including state insurance departments, law enforcement, and courts when required by law or to protect rights and safety.
• Business transfers in connection with a merger, acquisition, financing, or asset sale.

We do not disclose full payment card numbers. We do not allow processors to use your data for their own purposes.

No unlawful discrimination. We do not discriminate against you for exercising privacy rights.

6. Cookies, analytics, and advertising

We use cookies and similar technologies to run the site, keep you signed in, remember preferences, measure traffic, and improve performance. Some third parties provide analytics and, where enabled, advertising measurement or retargeting.

You can manage cookies through our banner and in your browser. Where legally required, we honor Global Privacy Control (GPC) signals for opt out of sales or targeted advertising that occur via cookies. To adjust settings, use the Cookie Settings link in the site footer.

7. Your privacy choices and rights

• Marketing opt out. Use unsubscribe links in emails or contact us.
• Cookie controls. Use Cookie Settings and browser tools.
• Do Not Sell or Share and Targeted Advertising opt out. Where applicable by law, you may opt out via Cookie Settings or by sending a request.
• Limit use of Sensitive Personal Information. Where applicable, we only use sensitive data for limited, allowable purposes and honor requests to limit other uses when required.

Depending on your state, you may have rights to access, correct, delete, appeal, and obtain a portable copy of certain personal information, and to opt out of sales, sharing, or targeted advertising. To exercise rights, email privacy@insure.tax with your name, state of residence, relationship to InsureTax, and request details. We will verify your request and respond within the time required by law. You may use an authorized agent as permitted by your state’s law. If we deny a request, you may appeal by replying to our decision.

California residents can also review the California notice below.

8. GLBA and insurance privacy

For customers who obtain insurance primarily for personal, family, or household purposes, we treat nonpublic personal information (NPI) consistent with the Gramm Leach Bliley Act and applicable state insurance privacy laws. We provide NPI to non affiliates only as permitted by law, such as to service your policy, process claims, prevent fraud, or as required by regulators. We provide annual privacy notices where required. No action is needed to opt out of marketing affiliate sharing because we do not engage in such programs.

Tax return confidentiality and preparer consents (IRC §7216 and §6713)

We are not a tax return preparer. When a tax professional shares a client’s tax return information with us, they must have the taxpayer’s written consent that satisfies 26 CFR §301.7216 3. These rules restrict a preparer’s disclosure or use of “tax return information” and impose criminal penalties under 26 U.S.C. §7216 and civil penalties under 26 U.S.C. §6713 for unauthorized disclosure or use. We require preparers to obtain and document a valid consent naming InsureTax, describing the purpose (for example underwriting, policy servicing, or claims), and signed and dated by the taxpayer. We use return information only for the permitted purpose and we prohibit re disclosure except to carriers, reinsurers, administrators, service providers, or regulators as needed to provide insurance or comply with law.

IRS held return information (IRC §6103). 26 U.S.C. §6103 governs confidentiality of returns and return information held by the IRS. It generally restricts IRS disclosures, with limited exceptions such as taxpayer consent under §6103(c). We typically receive filings from you or your preparer, not from the IRS. If you authorize us or our vendors to obtain IRS transcripts directly, we will follow §6103(c) consent requirements and any associated redisclosure limits.

9. Children’s information

Our services are intended for adults and business users. We do not knowingly collect personal information from children under 16.

10. Data retention

We retain personal information for as long as needed for the purposes described, including: policy and claim life cycles, audits, regulatory retention, tax and accounting, and fraud prevention. Insurance and financial records are typically retained 7 to 10 years after the policy or claim closes, unless a longer period is required by law or necessary to establish, exercise, or defend legal claims.

11. Data security

We use administrative, technical, and physical safeguards appropriate to the nature of the information, including access controls, encryption in transit and at rest where feasible, network monitoring, and personnel training. No method of transmission or storage is perfectly secure. If we become aware of a breach affecting your information, we will notify you and regulators as required by law.

12. International data transfers

We are headquartered in the United States and may process information in the United States and other countries, including Israel and the United Kingdom. If you are in the EEA or UK, we rely on appropriate safeguards for transfers, such as Standard Contractual Clauses and equivalent UK addenda where applicable.

13. California notice (CPRA)

The table below describes categories of personal information we may collect, the sources, purposes, and typical disclosures. We do not sell personal information for money. Where our use of advertising cookies constitutes a "sale" or "sharing" under California law, you can opt out via Cookie Settings or by sending a request.

We retain personal information as described in Section 10. We do not use or disclose sensitive personal information for additional purposes without your consent where required.

14. Third party links and social media

Our site may include links or integrations to third party sites or platforms. Their privacy practices are their own. Review their notices before sharing information.

15. How to contact us

• Email: privacy@insure.tax or hello@insure.tax
• Phone: +1 201 885 7090
• Mail: InsureTax LLC, Empire State Building, 20 W 34th St., New York, NY 10001

16. Changes to this notice

We will update this notice from time to time. The revised notice becomes effective when posted. If we make material changes, we will provide a prominent notice or obtain consent where required by law.

Supplemental disclosures for partners and professionals

If you are a tax professional or broker, we may process your business contact details, licensing information, commission and performance data, and communications to manage our relationship, compensate you, and comply with licensing and surplus lines obligations.

State specific addenda

Some states provide additional rights. Upon request, we will provide any required state insurance privacy notices or federal GLBA privacy notices applicable to you.

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