Privacy Policy

Effective Date: 5/1/2025

Municipal Property Insurance Company is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and protect your information when you use our mobile application (“App”), which helps users manage property data and report property losses.

1. Information We Collect

We may collect the following types of information:

– Personal Identifiers: Name, email, phone number, company/municipality name, user ID, and login credentials.
– Property & Equipment Details: Descriptions, photographs, maintenance logs, appraisals, and location.
– Incident/Loss Reports: Date, time, descriptions, images, and documents related to claims.
– Device & Usage Data: IP address, device ID, operating system, app usage metrics, and crash reports.
– Location Data: GPS data with your permission, used to geotag loss reports and property locations.

2. How We Use Your Information

We use your information to:

– Provide access to the App and its features.
– Report property insurance claims.
– Maintain records for underwriting, risk evaluation, and loss mitigation.
– Improve functionality and troubleshoot technical issues.
– Comply with legal obligations and insurance regulations.
– Send account-related notifications and updates.

3. How We Share Your Information

We do not sell your personal information. We may share it with:

– Service Providers: Vendors who help us with storage, analytics, communications, or customer support.
– Insurance Professionals: adjusters, contractors, or inspectors involved in claims processing, reinsurers.
– Regulators and Authorities: When required by law, legal process, or to protect our rights or users’ safety.
– Affiliates: Within our corporate group for internal business purposes.

If you’re a California resident, see the “California Privacy Rights” section below.

4. Your Privacy Rights

Depending on your state of residence, you may have certain rights:

– Access: Request access to the personal data we hold about you.
– Correction: Request corrections to inaccurate or incomplete data.
– Deletion: Request deletion of your personal information (subject to exceptions).
– Opt-Out of Sale/Sharing: Although we do not sell your data, California users may still opt out of any future sharing under CPRA.

To exercise any of these rights, contact us at policy@mpicwi.com or call 608-821-6336.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure, including:
– Role-based access controls
– Secure cloud storage with reputable vendors

6. Data Retention

We retain your information as long as necessary to:

– Complete the purposes described in this Policy,
– Maintain legal or regulatory records,
– Comply with claims retention policies and obligations under the law.

7. Children’s Privacy

Our App is not intended for children under 13. We do not knowingly collect personal data from minors. If we discover that a child has provided personal information, we will delete it promptly.

8. Changes to This Policy

We may update this policy periodically. If we make material changes, we will notify you through the App or by email. Please review this policy regularly.

9. Contact Us

For any questions about this Privacy Policy or to exercise your rights, contact:

Municipal Property Insurance Company
9701 Brader Way, Suite 301, Middleton, WI 53562
policy@mpicwi.com
608-821-6336

10. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

– Know the categories of personal information we collect and the purpose of use
– Request deletion of your data
– Correct inaccurate information
– Limit the use of sensitive personal information
– Opt-out of data sharing for advertising purposes (if applicable)

You may exercise these rights by contacting us at the information provided above.