Legal
Privacy Policy
Effective date: May 2026 · Last updated: May 2026
1. Who We Are
Fennel Insurance Brokerage LLC (“Fennel,” “we,” or “us”) operates fennel.insure. We are a licensed commercial insurance broker based in California. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.
2. Information We Collect
Information you provide directly
- Account information: name, email address, phone number, business name, EIN
- Contract documents: PDFs and Word documents you upload for AI parsing
- Insurance application data: business address, financials, employee count, business start date
- Payment information: handled by Stripe — Fennel does not store raw card data
Information collected automatically
- Usage data: pages visited, features used, timestamps
- Device and browser data: IP address, browser type, operating system
- Authentication tokens: session cookies managed by Supabase Auth
3. How We Use Your Information
We use your information to:
- Provide the brokerage service — parse contracts, generate quotes, bind policies, deliver COIs
- Communicate with you about your policies, renewals, and account
- Process subscription billing via Stripe
- Improve the AI contract parser using aggregate, anonymised patterns (never individual documents)
- Comply with legal and regulatory obligations as a licensed insurance broker
- Prevent fraud and enforce our Terms of Service
We do not sell your personal information.
4. How We Share Your Information
Insurance carriers
To bind a policy, we transmit your business information (name, address, financials, contact details, additional insured names) to the insurance carrier (currently Coterie Insurance). This is necessary to provide the Service.
AI processing
Uploaded contract documents are sent to Anthropic's Claude API for text extraction. Anthropic's data processing terms apply. We do not use your documents to train AI models. Documents are processed transiently and are not stored by Anthropic.
Service providers
We use the following sub-processors, each under a data processing agreement:
- Supabase — database, authentication, file storage (US region)
- Vercel — hosting and edge functions
- Stripe — subscription billing
- Resend — transactional email delivery
- Anthropic — AI contract parsing
Legal disclosure
We may disclose your information if required by law, court order, or to protect the rights and safety of Fennel, our users, or the public.
5. Contract Documents
Uploaded contracts are stored in Supabase Storage with row-level security — only you can access your own files. Documents are used solely to extract insurance requirements for your benefit. We do not share your contracts with third parties except as described in Section 4.
You may delete your uploaded contracts at any time from your account. Deletion removes the file from storage; AI parse results derived from the document may be retained for audit purposes.
6. Data Retention
We retain your account information and policy records for as long as your account is active and for a reasonable period afterward as required by insurance regulations (typically 5 years for brokerage records under California law). You may request deletion of your account; we will comply except where retention is required by law.
7. Security
We use industry-standard security measures including TLS encryption in transit, encrypted storage at rest, and row-level security on all database tables. Access to production systems is restricted to authorised personnel. We are hosted on SOC 2-compliant infrastructure (Supabase, Vercel).
No system is completely secure. In the event of a data breach affecting your personal information, we will notify you as required by applicable law.
8. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access the personal information we hold about you
- Correct inaccurate information
- Delete your account and associated data (subject to legal retention requirements)
- Export your data in a portable format
- Opt out of non-essential communications
To exercise these rights, email privacy@fennel.insure. California residents may also have rights under the CCPA; see Section 10.
9. Cookies
We use session cookies to keep you authenticated (managed by Supabase Auth). We do not use third-party advertising or tracking cookies. You can disable cookies in your browser, but the platform will not function without session cookies.
10. California Privacy Rights (CCPA)
California residents have the right to know what personal information is collected, to request deletion, and to opt out of the sale of personal information. Fennel does not sell personal information. To submit a CCPA request, contact us at privacy@fennel.insure.
11. Children
The Service is not directed to children under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us information, contact us and we will delete it.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you by email or platform notice before material changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated policy.
13. Contact
Privacy questions or requests: privacy@fennel.insure
Fennel Insurance Brokerage LLC, San Francisco, CA