How we handle your data

By default: nothing is stored

RenewalOwl's coverage check doesn't require a signup, and by default it doesn't store your policy. When you upload a declarations page, it's encrypted in transit, read to extract your coverage details, and then discarded — nothing about that upload is written to a database. This is true for every check unless you explicitly opt into Renewal Watch below.

If you opt into Renewal Watch

Renewal Watch is a free, opt-in feature offered on the results screen: it re-checks your coverage before your policy renews and emails you if there's a real move to make. Turning it on is the one case where we keep something after your session ends. If — and only if — you check the consent box and submit, we save:

• Your email address, so we can reach you.
• Your renewal date, state, and carrier, so we know when and what to re-check.
• The coverage numbers our analysis already extracted (limits, deductibles, and similar figures) and your personalize-step answers.

We never save the uploaded document itself — only the structured numbers above, and those are encrypted at rest. You can delete everything we've saved at any time, with one click, right from the Renewal Watch card where you opted in.