Privacy Policy

Catastrophes.ai ("Catastrophes.ai", "we", "us", or "our") is committed to protecting the privacy and security of information entrusted to us.

We provide AI-native insurance technology infrastructure, including artificial intelligence agents, underwriting intelligence, property risk analytics, catastrophe modeling, computer vision inspection capabilities, and related risk assessment solutions.

This Privacy Policy explains how we collect, use, disclose, protect, and process information when you:

• Access or use our website
• Interact with our AI systems and applications
• Submit insurance-related information
• Use our underwriting and risk intelligence platform

Engage with Catastrophes.ai as a broker, carrier, MGA, reinsurer, partner, or customer.

By using our services, you acknowledge the practices described in this Privacy Policy.

This Privacy Policy applies to information processed through:

• Catastrophes.ai websites
• AI underwriting agents
• Property intelligence systems
• Catastrophe risk modeling systems
• Enterprise software deployments
• Customer support interactions

Business communications.

Depending on the relationship between Catastrophes.ai and an organization, we may act as:

• A data controller when we determine the purposes and methods of processing information

A data processor or service provider when processing information on behalf of insurance carriers, brokers, MGAs, or enterprise customers.

Where Catastrophes.ai processes customer information on behalf of an enterprise customer, such processing may additionally be governed by contractual agreements, including Data Processing Agreements (DPAs) and Master Services Agreements (MSAs).

3.1 Account and Business Information

When organizations or individuals interact with Catastrophes.ai, we may collect:

• Name
• Email address
• Phone number
• Company information
• Job title
• Professional role
• Business contact information
• Account credentials

Customer support communications.

3.2 Insurance Submission Information

As part of AI-powered underwriting workflows, Catastrophes.ai may process insurance-related information, including:

Property Information

Examples include:

• Property address
• Building characteristics
• Construction details
• Occupancy information
• Year built
• Square footage
• Protection features

Property attributes. Coverage Information

Examples include:

• Coverage limits
• Deductibles
• Policy structures
• Insurance requirements

Risk appetite information. Claims and Loss Information

Examples include:

• Historical claims
• Loss runs
• Claim descriptions
• Loss dates
• Claim severity information

Previous insurance history. Inspection Information

Examples include:

• Property photographs
• Inspection reports
• Computer vision analysis inputs
• Risk mitigation documentation

Repair or remediation information.

3.3 Property Intelligence and Catastrophe Data

To provide risk intelligence services, Catastrophes.ai may process:

• Satellite imagery
• Aerial imagery
• Geographic information
• Weather information
• Climate datasets
• Catastrophe exposure data
• Historical hazard information

Environmental risk indicators.

This information may be used to generate property risk insights, catastrophe exposure analysis, and underwriting recommendations.

3.4 AI Agent Interaction Data

When users interact with Catastrophes.ai AI agents, we may process:

• User prompts
• Uploaded documents
• Conversations
• Agent workflow inputs
• Generated analysis

User feedback.

AI interaction data allows us to operate, maintain, secure, and improve our systems.

3.5 Technical Information

We may automatically collect technical information, including:

• IP address
• Browser information
• Device information
• Operating system
• Usage logs
• Access timestamps
• Security events

Application performance information.

Catastrophes.ai may use collected information for the following purposes:

4.1 Providing Insurance Intelligence Services

Including:

• Processing insurance submissions
• Supporting underwriting workflows
• Generating risk assessments
• Performing property analysis
• Supporting catastrophe modeling

Assisting insurance professionals.

4.2 Operating AI Systems

We use information to:

• Run AI agents
• Analyze submitted documents
• Generate underwriting insights
• Improve workflow automation

Monitor system performance.

4.3 Improving Models and Services

Catastrophes.ai may use:

• Aggregated information
• De-identified information
• System performance data

to improve:

• AI agents
• Risk models
• Catastrophe analytics

Product performance.

Customer confidential information is not used to train general-purpose AI models without appropriate authorization.

4.4 Security and Compliance

We may use information to:

• Detect unauthorized access
• Prevent fraud
• Maintain system security
• Conduct audits

Comply with legal obligations.

Customers retain ownership of information submitted to Catastrophes.ai.

Unless otherwise agreed through a written agreement:

• Catastrophes.ai does not claim ownership of customer-provided insurance data
• Customer data is processed only for providing contracted services

Customer confidential information remains subject to applicable confidentiality obligations.

Catastrophes.ai uses artificial intelligence, machine learning, computer vision, and statistical modeling technologies.

Our systems may generate:

• Risk assessments
• Underwriting insights
• Property intelligence
• Catastrophe predictions

Workflow recommendations.

AI-generated outputs are intended to support professional decision-making and do not independently replace licensed insurance professionals, underwriting authorities, or regulatory requirements.

Additional information regarding our AI practices is provided in our AI Governance & Responsible AI Policy.

Catastrophes.ai may share information with:

Service Providers

Including vendors supporting:

• Cloud infrastructure
• Security
• Data processing
• Analytics

Enterprise operations. Insurance Partners

Where necessary to provide services, information may be shared with:

• Insurance carriers
• Brokers
• MGAs
• Reinsurance partners

Authorized business partners. Legal Requirements

We may disclose information when required by:

• Applicable laws
• Regulatory authorities
• Legal proceedings

Government requests.

Catastrophes.ai supports enterprise deployment models designed for insurance organizations requiring enhanced data control.

Depending on customer requirements, deployments may include:

Cloud Deployment

Secure hosted environments managed by Catastrophes.ai.

Private Deployment

Deployment within customer-controlled infrastructure or environments.

Privacy-Preserving Processing

Catastrophes.ai may support technologies designed to reduce exposure of sensitive information during AI processing, including privacy-preserving inference approaches.

Security practices are described further in our Security & Data Deployment Policy.

Catastrophes.ai retains information only for as long as necessary to:

• Provide services
• Maintain business records
• Meet contractual obligations
• Satisfy legal requirements

Maintain security and operational integrity.

Enterprise customers may establish customized retention requirements through contractual agreements.

Depending on applicable laws, individuals may have rights regarding their personal information, including:

• Accessing personal information
• Correcting inaccurate information
• Requesting deletion
• Restricting processing

Requesting information about data practices.

Requests may be submitted through our designated privacy contact.

Catastrophes.ai may process information in countries where we or our service providers operate.

Where required, we implement appropriate safeguards for international data transfers.

Catastrophes.ai may use cookies and similar technologies to:

• Maintain website functionality
• Understand usage patterns
• Improve user experience

Maintain security.

Additional information is available in our Cookie Policy.

Catastrophes.ai services are intended for business and professional use.

We do not knowingly collect personal information from children under applicable legal age requirements.

We may update this Privacy Policy periodically to reflect:

• Changes in our services
• Regulatory requirements
• Technology developments

Business operations.

Updated versions will include a revised effective date.

If you have questions regarding this Privacy Policy or our data practices, please contact:

Catastrophes.ai

Privacy Team