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Riskbly's User Privacy Policy

Last Updated: November 28, 2023

This Privacy Policy describes the privacy practices of Riskbly, LLC., a South Carolina corporation (“we,” “our” or “us”) with respect to the software application Riskbly™, our website, and any websites operated by us (collectively, the “App”). We are committed to protecting your privacy. Please read the following information to understand what information we collect from you and how we use that information. If you have any questions about our Privacy Policy, please contact us.

This Privacy Policy describes our collection, use, disclosure, and protection of your personal information collected or provided through our App and how we use personal information in connection with our services offered through the App (“Services”). We are committed to the protection of the privacy of your personal information provided to us. By using our App, Services, or providing us your personal information, you agree to this Privacy Policy and agree to be bound and abide by our Terms of Use. If you do not agree with any term in this Privacy Policy, do not provide us your personal information or use the App.

Collected Information

“Personal information” is information that identifies you and is associated with a specific person. Personal information does not include information that is anonymous, aggregated, or is no longer identifiable to a specific person. We may collect the following types of personal information about you through the App or from your insurance companies or independent insurance agents, including but not limited to:

  • Basic registration information, such as your name, address, telephone number, email address, user name, password, and other registration information.

  • When you use the App, you may also be asked to provide identification information to confirm your identity, including your first and last name.

  • You will be required to have an online account with your insurance companies and insurance agents. You will be required to provide personal information for them. Please see the privacy policies of your insurance companies and agents for information as to what personal information they collect and how it’s used. We do not collect any of the personal information you provide to your insurance company or insurance agent, except for the information described in this paragraph.

  • We may collect information about your interaction with our App such as your device type, operating system, average time spent on our App, unique identifiers, device IDs, app version, mobile network information, and mobile phone number.

  • We may request or receive other personal information such as feedback, questions, comments, suggestions, or ideas to provide you with other benefits or to improve upon the Service. In such instances, you will be given the opportunity to provide or decline that information.


Use of Personal Information

We use your personal information to:

  • Notify you with respect to the availability of our Services through personal information obtained from your independent insurance agent and insurance company;

  • Respond to your inquiries about our Services;

  • Fulfill your requests for our Services;

  • Analyze App usage and improve the Services provided through the App;

  • Alert you to software compatibility issues and to improve our App design and functionality;

  • Deliver to you any notices or alerts and communications relevant to your use of the Services;

  • Perform market research, product development, troubleshooting problems, analysis of user behavior, marketing, and promotions;

  • Detect and protect against errors, fraud, or other criminal activity;

  • Enforce our Terms of Use and as otherwise set forth in this Privacy Policy; and in connection with a merger, sale of substantially all of our assets, or corporate reorganization.

  • In order to allow you to use certain Services, we may be required to verify your identity. We may use your information to verify your identity in the event you contact us for assistance with the App or Services.

  • We may use your information to pre-fill form fields on the App for your convenience.


Disclosure of Personal Information

We may disclose your personal information to your insurance companies and agents as necessary to provide Services. Any information disclosed to your insurance companies will be subject to their privacy policies. We will disclose your personal information to your insurance agents, to provide them with data about App utilization. Any information disclosed to your insurance agents will be subject to each agency's privacy policies. We will not, without your permission, sell, publish, or share your personal information to third parties for their marketing purposes. Any third party with whom we share your data will provide the same or equal protection of user data as stated in this Privacy Policy.

We reserve the right, in our sole discretion, to share or disclose your personal information with law enforcement, government officials, and other third parties:

  • To respond to subpoenas, court orders, or legal process;

  • In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, App, or Services;

  • To respond to claims that any posting or other content violates the rights of third parties;

  • In an emergency, to protect the health and safety of our App users or the general public; or as otherwise required by any applicable law.

  • We may share your personal information with other third parties with your consent or instructions to do so.


If our company or our assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, we may transfer, sell, or assign to third parties, information concerning your relationship with us, including, without limitation, personal information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our App and such third parties will assume the rights and obligations regarding such information as described in this Privacy Policy.


Links to and from Other Web Apps

Our App may offer links to other third party websites for your convenience and information only, including your insurance company. These websites have their own privacy and information collection practices and security measures.


Use of Non-Personal Information

When using our services and offerings we may also collect non-personal information - data in a form that does not permit direct association with you or any other specific individual. Aggregated data is considered non-personal information for the purposes of this Privacy Policy. If we do combine non-personal information with personal information the combined information will be treated as personal information for as long as it remains combined.

We may collect, use, transfer, and disclose non-personal information for any purpose. The following are some examples of non-personal information that we collect and how we may use it:

  • We may collect information such as zip code, area code, location, time, and the time zone where our App is accessed or used so that we can better understand customer behavior and improve our offerings, programs, products, services, and advertising.

  • We also may collect information regarding customer activities from our other programs and offerings. This information is aggregated and used to help us provide more useful information to our customers and to understand which parts of our programs, offerings, and services are of most interest.


Protection of Information

We take the security of your information seriously. We use technical and administrative security measures such as but not limited to firewalls, encryption techniques, and authentication procedures, among others, to maintain the security of your online session and to comply with federal and state laws. However, no complete assurance can be made against all cyber attacks and other security breaches. To safeguard against unauthorized access, you may be required to login to our App using a user name and a password.


Third Party Offers, Advertisements, and Data Collection

We may use third party service providers to help us analyze certain activities. For example, these service providers may help us measure the performance of our promotions or analyze App activity. We may permit these service providers to use cookies and similar technologies to perform these services. We do not share any personal information about our customers with these third party service providers, and these service providers do not collect such information on our behalf.


Cookies and Tracking

We may aggregate information through cookies, or alphanumeric identifiers that we transfer to your device. This allows us to collect and track information about you and your activities on our App over time, the time and date of your visit, how you use our offerings, programs, services and what offerings and services you use. We may also link this information with other personal information about you and may use this linked information. This helps us to recognize you, customize, or personalize your utilization of our Services and to store such information in between visits to our App. It also allows us to aggregate demographic and statistical data and compilations of information that may or may not include personal information and provide this information to our business partners, third party vendors, and service providers. By doing so, we hope to understand our members needs and desires so that we can make new offerings to them or tailor existing offerings to fit their desires.


Pages of the App may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages and for other related app statistics (for example, recording the popularity of certain app content and verifying system and server integrity). You can review and change your personal information by logging into the App and visiting your account profile page. You may also send us an email at to request access to, correct, or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. You may choose to delete your account for the Service at any time. We will use commercially reasonable efforts to remove your information, although some information may be retained on a backup server or media, which is necessary to help ensure continued availability of our Service. We retain your personal information as long as necessary to provide the Services you have requested. Additionally, we may retain personal information to comply with law, prevent fraud, resolve disputes, trouble shoot problems, enforce our Terms of Use, and as permitted by applicable law. We comply with applicable state and federal laws requiring secure disposal of records containing personal information of our customers. We maintain customer information for as long as needed. We take reasonable steps to destroy, or arrange for the destruction of a customers records containing personal information within our custody or control that is no longer required to be retained by us by shredding, erasing, or otherwise modifying the personal information in those records to make it unreadable or indecipherable through any means.



Our App and Services are not intended for minors or if you are not of a legal age to form a binding contract with us. We do not knowingly collect personal information from these individuals. If a minor (as defined by law) provides us with his/her personal information without parental or guardian consent, we encourage the parent or guardian to contact us to have this information removed and to unsubscribe the minor from future communications with us.


Access, Retention, and Destruction of Personal Information

Canadian Users

To the extent the personal information contains personal data relating to an individual who resides in the Canada, we acknowledge and agree that we are responsible for compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA). We acknowledge that we may use personal information only for the purposes for which it was collected, unless you consent. You have the right to withdraw your consent and opt out so that your personal information may be deleted from our system. We do not collect, use, or disclose your personal information without your consent, except where required or allowed by law. We will, in accordance with PIPEDA and upon proof of entitlement and the presentation of proper identification, permit you to access to the personal information we hold about you. You may request access to or, if applicable, a correction of the personal information we have in our possession.


Questions or Concerns

If you have questions or concerns regarding our Privacy Policy, please contact us at or write to us at:


Riskbly LLC
201 W Main St

Suite H

Lexington, SC 29072


Modifications to this Privacy Policy

We may modify our Privacy Policy from time to time, so please review it periodically. If our practice in using and/or sharing personal information changes in the future, those changes will be reflected in this Privacy Policy.

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