Privacy Policy

This Privacy Policy explains how Kinro, Inc. and its subsidiaries, including Kinro Insurance Services LLC ("Kinro", "we", "us"), collects, uses, and shares information when you visit or use our website and services at https://kinro.com (the "Services").

Information We Collect

• Information you provide: such as your name, email address, mobile phone number, company name, messaging preferences, and any details you submit through forms or communications.
• Insurance information: details about your business needed to quote and service insurance, such as its industry, location, revenue, payroll, employees, vehicles, current coverage, and claims history, and the documents you share, such as policies, certificates of insurance, and loss runs. For commercial auto insurance only, this includes drivers' names, dates of birth, and driver's license numbers.
• Conversations: the messages, emails, texts, and chats you exchange with us, including through AI assistants, and recordings and transcripts of calls.
• Usage data: such as pages viewed, links clicked, time on page, and referring URLs.
• Device and browser data: such as IP address, browser type, operating system, and device identifiers.
• Cookies and similar technologies: see our Cookie Policy for details.

How We Use Information

• Provide, operate, and improve the Services.
• Answer your insurance questions, request quotes from insurance carriers, and help you buy and service policies. Our AI advisor, Leo, does much of this work.
• Respond to inquiries and communicate with you.
• Analyze usage and performance to improve our website.
• Measure which advertisements lead to insurance requests and purchases, as described below.
• Protect against fraud, abuse, and security risks.
• Comply with legal obligations.

Website Visitor Identification and Marketing Partners

We use cookies, pixels, and similar technologies from online data partners to understand visits to our website and identify business visitors who may be interested in Kinro. When you visit or log in to our website, these technologies may be used by our online data partners or vendors to associate these activities with other personal information they or others have about you, including by association with your email address or online profiles.

We or service providers on our behalf may then use this information to send communications and marketing to these emails or profiles. You may opt out of this advertising by visiting https://app.retention.com/optout.

OpenAI Advertising Measurement

We use the OpenAI Ads Measurement Pixel and Conversions API to measure whether advertisements lead to an insurance request, a qualified lead, a quote being sent, or a policy being purchased. The browser pixel sends conversion events and website attribution information to OpenAI. Automatic advanced matching may detect email addresses and phone numbers entered on our website, normalize them, and hash them in your browser using SHA-256 before sending them to OpenAI to match conversions to advertisements. The pixel does not send these contact details in plain text through automatic advanced matching. These hashes are identifiers used for matching; they are not anonymous data.

Our server-side Conversions API sends the conversion event name, an event identifier, the time of the event, and an OpenAI click attribution identifier when available. For website form conversions, it also sends only our fixed public homepage URL, https://www.kinro.com/. This fixed URL does not include the page path, query parameters, fragments, or login credentials from your visit. It does not send contact details or their hashes, insurance application answers, conversation content, policy details, or quote amounts. We do not send insurance application answers or conversation content through this advertising measurement setup.

Browser measurement may begin before you click "Accept". Choosing "Essential only" in our cookie settings stops future OpenAI browser measurement. Server-side conversions are also excluded when a refusal is recorded with the insurance request. See our Cookie Policy for cookie details and the control to update your choice.

Legal Bases (EEA/UK)

If you are located in the EEA or UK, we process your personal information based on legitimate interests, consent, performance of a contract, or compliance with legal obligations, depending on the context.

Sharing and Disclosure

We share information with:

• Insurance carriers and intermediaries, such as wholesale brokers, that we request quotes from or place your insurance with. They receive the details needed to quote and service your insurance, but no permission to contact you for their own marketing.
• Service providers that support our operations, such as hosting, AI model, calling, texting, email, and analytics providers. They may use the information only to provide their services to us. Our current list is on the Subprocessors page.
• Authorities and others when required by law or to protect our rights and users.

We do not sell your insurance requests or conversations. We do not share insurance application answers or conversation content for advertising. We share the limited conversion and matching information described in "OpenAI Advertising Measurement" with OpenAI to measure our advertisements.

Mobile Messaging Privacy

If you provide your mobile phone number and opt in to text messages, we use your number and messaging consent information to send and manage messages about your insurance request, quotes, applications, policies, account, and related customer support. We send marketing text messages only if you separately opt in to them, and we record that marketing consent separately from your consent to service messages. Message frequency varies. Message and data rates may apply.

We do not share, sell, rent, or provide your mobile phone number or text-messaging opt-in or consent data to third parties or affiliates for their marketing or promotional purposes. The OpenAI measurement Pixel does not run on our text-message opt-in page. Browser-based hashing of phone numbers entered on other pages for advertising measurement is described separately above; text-messaging consent is not shared for that purpose. We may provide this information to service providers that help us deliver our messaging program, but they may use it only to provide those services for us.

You can opt out of text messages at any time by replying STOP. Reply HELP for help or contact us at contact@kinro.com. Consent to receive marketing text messages is not a condition of purchasing any goods or services. See our Terms of Service for additional mobile messaging terms.

Kinro in ChatGPT and Other AI Assistants

You can talk to Kinro from an AI assistant, such as ChatGPT, through the Kinro app or connector. When you do:

• What we receive: the messages the assistant sends to Kinro for you, insurance documents you choose to share (such as a policy, declarations page, certificate of insurance, or loss run), and any contact details you give. From ChatGPT we also receive anonymized conversation and user identifiers, which we use to keep each conversation together and to apply usage limits. We generally store the user identifier in a hashed form, and retain the identifiers as received only in limited circumstances, such as records of requests to Kinro, to help us service your request. We do not receive your assistant account details or the rest of your chat history, and we do not store the language or approximate location the assistant may send.
• How we use it: to answer your insurance questions, prepare quotes, and follow up on your request. Each conversation creates an insurance request record at Kinro.
• Who we share it with: the insurance carriers and insurance intermediaries we request quotes from, which receive the details needed to quote your business but no permission to contact you, and the service providers listed on our Subprocessors page. The assistant itself handles your chat under its provider's privacy policy, such as OpenAI's for ChatGPT.
• What we never ask for in ChatGPT: Social Security numbers, driver's license numbers, payment card numbers, or passwords.
• Your choices: when you use Kinro in ChatGPT, we contact you outside ChatGPT, by email or text, only at contact details you share and agree to be contacted at. You can stop using Kinro at any time by disconnecting the Kinro app in your assistant's settings. You can ask us to delete a conversation and its request by contacting us at contact@kinro.com.

Data Retention

We keep personal information only while it has a business use or the law requires us to keep it, and then delete or de-identify it. Specifically:

• Insurance requests that have not led to a policy, including AI assistant conversations: kept so we can continue helping you, until you ask us to delete them or they no longer have a business use.
• Quotes, applications, policies, and their documents: kept while your policy is in force and afterwards for as long as insurance record-keeping and other laws require, then deleted within 90 days.
• Support requests and calls: kept to support you, until you ask us to delete them, unless the law requires us to keep them.
• Contact and consent records: kept as long as needed to honor your messaging choices and opt-outs.
• Hashed AI assistant user identifiers: kept as long as the conversation they belong to.
• Security and system logs: including records of MCP requests and responses, kept for up to one year.

When you send us a verified request to delete your information, we delete it unless we have a legal obligation to keep it. Information subject to a legal hold is kept until the hold ends.

Security

We use reasonable safeguards to protect information. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

International Transfers

Your information may be processed in countries other than your own. Where required, we use safeguards to protect cross-border transfers.

Your Rights and Choices

Depending on your location, you may have rights to access, correct, delete, or object to certain processing of your information. You can use these choices wherever you are:

• Access, correct, or delete your information: email contact@kinro.com. We may need to verify your identity first.
• Stop emails, texts, or calls: unsubscribing from an email stops email from us. Replying STOP to a text stops email, texts, WhatsApp messages, and calls from us, including messages about your insurance request and quotes. You can also tell Leo or our team to stop contacting you.
• Opt out of marketing only: email contact@kinro.com.

Children's Privacy

The Services are not directed to children under 16, and we do not knowingly collect personal information from children.

Changes to This Policy

We may update this policy from time to time. We will update the effective date above when changes are made.

Contact Us

If you have questions or requests, contact us at contact@kinro.com.

For additional documentation and policy requests, visit our Trust Center.