Cookie Policy

Cookies are small text files that are stored on your computer or mobile device when you visit our underwriting platform. They help us provide you with a better experience by remembering your preferences, keeping you logged in, and helping us understand how you use our risk assessment tools.

In addition to cookies, we may also use similar technologies such as:

• Local Storage: Stores data locally in your browser for faster access to underwriting preferences
• Session Storage: Temporarily stores information during your underwriting session
• Web Beacons: Small transparent images that help us analyze platform usage
• Fingerprinting: Analyzes device characteristics for security and fraud prevention
• API Tokens: Secure tokens for authentication and API access

For an underwriting platform, cookies serve several critical purposes:

• Security: Protecting your financial data analysis sessions and preventing unauthorized access
• Personalization: Remembering your underwriting preferences, risk assessment settings, and workflow configurations
• Performance: Optimizing platform performance and caching frequently accessed underwriting data
• Analytics: Understanding which underwriting features are most effective for different application types
• Improvement: Identifying areas where our AI algorithms can be enhanced for better decision accuracy

These cookies are absolutely necessary for our underwriting platform to work properly:

• Authentication Cookies: Keep you securely logged in during underwriting sessions
• Security Cookies: Protect against CSRF attacks and secure your financial data analysis
• Load Balancing: Direct your requests to the optimal server for fastest response
• Session Management: Maintain your underwriting session state and preferences
• GLBA Compliance: Remember your cookie preferences and consent choices for financial data protection

Note: These cookies cannot be disabled as they are essential for platform security and functionality.

These cookies enhance your underwriting experience by remembering your preferences:

• Theme Preferences: Remember if you prefer light, dark, or system theme
• Language Settings: Store your preferred language for the interface
• Risk Assessment Settings: Remember your preferred analysis types and risk thresholds
• Underwriting Preferences: Store your preferred decision workflows and notification settings
• Application Settings: Remember your application configurations and team permissions
• Decision Preferences: Store how you want to be alerted about decision completions

These cookies help us understand how underwriters use our platform and improve our AI:

• Usage Analytics: Track which underwriting features are most effective
• Feature Adoption: Understand how new risk assessment tools are being used
• Workflow Analysis: Analyze underwriting patterns to improve AI decision accuracy
• Decision Tracking: Monitor platform performance and decision quality metrics
• A/B Testing: Test new underwriting features with different user groups
• Accuracy Tracking: Measure how effective our 90% accuracy rate is across different scenarios

Privacy Protection: All analytics data is anonymized and cannot be traced back to individual users or their specific financial applications.

These cookies help us monitor and optimize platform performance:

• Load Time Monitoring: Track page and underwriting feature loading performance
• API Performance: Monitor risk assessment and decision engine response times
• Resource Usage: Optimize memory and CPU usage for better performance
• CDN Optimization: Ensure fastest delivery of platform assets
• Error Rate Monitoring: Track and minimize platform errors
• Decision Speed Tracking: Monitor our 2-hour average turnaround performance

We work with carefully selected third-party services to provide our underwriting platform:

• Stripe: Secure payment processing and subscription management
• Google Analytics: Platform usage analytics and performance monitoring (anonymized)
• AWS CloudFront: Content delivery network for faster platform loading
• Sentry: Error tracking and performance monitoring
• Intercom: Customer support and help desk functionality
• Auth0/Clerk: Secure authentication and user management

You can control third-party cookies through:

• Our Cookie Preferences: Use the controls above to disable non-essential third-party cookies
• Browser Settings: Configure your browser to block third-party cookies
• Opt-Out Tools: Use industry opt-out tools like the NAI Consumer Opt-Out
• Service-Specific Opt-Outs: Opt out directly with each third-party service

Important: We never share your financial data or proprietary underwriting information with third-party services. All third-party cookies are limited to platform functionality, analytics, and support services only.

You have multiple ways to control cookies on our platform:

• Cookie Preferences: Use the controls at the top of this page to manage cookie categories
• Account Settings: Adjust cookie and privacy preferences in your account dashboard
• Granular Controls: Enable or disable specific types of tracking and analytics
• Session Controls: Choose whether to remember preferences across sessions
• Team Settings: Manage cookie preferences for your entire underwriting team

Most web browsers allow you to manage cookies through their settings:

• Chrome: Settings → Privacy and security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Cookies and website data
• Edge: Settings → Cookies and site permissions → Cookies and site data

Note: Blocking all cookies may prevent you from logging in or using certain underwriting features.

If you use our mobile underwriting tools:

• iOS: Settings → Privacy & Security → Tracking → Ask Apps Not to Track
• Android: Settings → Privacy → Ads → Opt out of Ads Personalization
• App Settings: Manage tracking preferences within our mobile app settings

We respect Do Not Track (DNT) browser signals and will honor your preferences. When DNT is enabled:

• We disable non-essential analytics and tracking cookies
• Third-party analytics services are not loaded
• Essential platform functionality remains available
• Your underwriting experience may be less personalized

Different types of cookies are stored for different periods:

• Session Cookies: Deleted when you close your browser or end your underwriting session
• Authentication Cookies: Typically expire after 30 days of inactivity
• Preference Cookies: Stored for up to 1 year to remember your settings
• Analytics Cookies: Usually expire after 2 years for long-term trend analysis
• Performance Cookies: Expire after 30 days to monitor short-term performance patterns

We automatically clean up cookie data:

• Expired Cookies: Automatically removed when they reach their expiration date
• Inactive Accounts: Cookies for inactive accounts are purged after 6 months
• Deleted Accounts: All cookies and local data removed within 30 days
• Updated Preferences: Old preference cookies replaced when you update settings

We may update this Cookie Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make changes:

• Notification: We'll notify you via email or platform notification
• Effective Date: Changes take effect 30 days after notification
• Consent: We may request renewed consent for new cookie types
• Continued Use: Using the platform after changes constitutes acceptance

We recommend reviewing this Cookie Policy periodically. The "Last updated" date at the top indicates when the policy was last revised. You can also enable notifications for cookie policy updates in your account settings.