Last updated: October 18, 2026
Insuranceopedia is not an insurer, agent or adjuster. We don't sell insurance, and we never sell your personal information for money. This page explains what our tools collect, why, who helps us run them, and the choices you have. It covers the tools at app.insuranceopedia.com: the Claims & Appeal Assistant, RenewalOwl and the Life Needs Analyzer. Our main website is covered by the Insuranceopedia privacy policy.
Our tools are built for people in the United States.
When you answer the questions and get your read, we use your answers to work out your coverage read or appeal assessment. Nothing about that session is saved to our database unless you choose to save your claim. (If saving goes through checkout, we save it just before you're sent to checkout, so it's ready when you come back. If you don't finish checkout, that copy is deleted after 7 days.)
While you work through the claim questions, your answers, and what we read from a declarations page you add, are kept in this browser tab, so a refresh doesn't lose them. They're cleared when you close the tab. Appeal answers aren't kept in your browser, except for a moment when you move from a claim to an appeal: what you've already told us (and a denial letter, if you added one) is passed across in this tab and cleared as soon as the appeal page opens.
Documents you upload(your declarations page, denial letter, offer letter, estimates, reports and similar) are sent securely to our servers, read by our AI service provider to pull out the facts we need (dates, amounts, coverage figures, the reason given), and then discarded. We don't store these files. If you save your claim, we keep the facts we pulled out and the file's name, not the file itself. Photos are shrunk and straightened in your browser before they're sent, and every page of a PDF is read. A file too big to send in one go goes straight from your browser to a private, temporary storage spot with our hosting provider, DigitalOcean, is read in full, and is deleted as soon as it's read (and within 24 hours if anything interrupts it).
Your full policy, for an appeal.If you add your whole policy (not just the declarations page), we read every page. Because a full policy can be too big to send in one go, it goes straight from your browser to a private, temporary storage spot with our hosting provider, DigitalOcean, is read by our AI service provider, and is deleted as soon as the read finishes (and within 24 hours if anything interrupts it). We keep what we read from it (the wording that matters to your appeal, with page numbers) linked to a fingerprint of the file, so the same file isn't read twice; we never keep the file itself. The same goes for an inspection, adjuster or engineer report from your insurer: it's read for who inspected, when, the cause they gave and what they found, then discarded.
Your side of the story.What you write about what happened and why you think the denial is wrong is read by our AI service provider to pick out the facts that matter (dates, what caused the damage, what's been inspected). It's only kept if you save your appeal, encrypted with the rest of your plan, and it's used to write your letters.
Files you choose to store.Inside a saved claim or appeal, two places exist so you can keep files with your plan: the Claim history section (your policy, the adjuster's estimate, your correspondence with the insurer and your contractor's estimate) and your insurer's reply to your appeal. Files you add there are stored privately with our hosting provider, DigitalOcean, until you delete them or delete your plan. They can only be opened through your own plan's link. We also read them, the same way as above, to fill in figures for your plan.
Saving is your choice: it happens only when you unlock your claim plan or appeal plan. When you do, we save:
Your answers, figures, progress and the personal details above are encrypted when stored. Your email address is stored separately, unencrypted, so we can send you your emails.
A welcome email with your link, right away (or once your payment goes through). A short note from our founder, a day later. Then reminders and check-ins tied to your claim or appeal: a few in the first week or so, a heads-up about three days before a deadline you're tracking, a few tips over the first six weeks, check-ins about two weeks and about six weeks in, follow-ups on an appeal you've sent, and a question about how it turned out at about two weeks and about a month, if you haven't told us yet. If you ask us to email you your link again, we send that too. And if your plan goes unused for two years, we send one notice 30 days before it's deleted (see below).
Every email has an unsubscribe link and a link to delete your data. Unsubscribing stops these emails for that claim. It doesn't delete anything, and you can still ask us to resend your link.
You can delete everything we've saved at any time with one click, from “Delete my saved claim” (or “Delete my saved appeal”) in your plan, or from the link in any email we send. Deleting erases your answers, figures, progress, letters and personal details, and every file you added: your Claim history documents and your insurer's reply are removed from our storage, not just from your plan. You can also delete any one of those files on its own, from where you added it. We keep a short record that the claim existed and was deleted (your email address, when it was saved and emailed, and your consent), so we can show what happened to it.
If you don't delete it yourself: when your saved claim or appeal hasn't been opened or changed for 24 months, we email you 30 days before we delete it, and opening it once keeps it. If it's still untouched after those 30 days, we delete it the same way a one-click delete does. A copy saved for a checkout you didn't finish is deleted after 7 days.
If you tell us your home is a condo, apartment, mobile home or rental (or a townhouse whose HOA insures the building), or your declarations page shows a policy type we don't cover, our tools can't help yet. You can leave your email so we can tell you when we can. We store that email, encrypted, with the policy type you told us and whether you came from a claim or an appeal, and use it only to tell you when we can help. If our claim and appeal plans aren't available in your state yet, you can leave your email the same way, and we store it encrypted with your state and use it only to tell you when they are. To be taken off this list, email contact@insuranceopedia.com.
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 sent securely to our servers, read by our AI service provider to extract your coverage details, and then discarded. To add local risk and vehicle details to your check, we look up the address on your policy with the U.S. Census Bureau's address service and FEMA's National Risk Index, and any vehicle VIN with the National Highway Traffic Safety Administration (NHTSA). Nothing about that upload is written to our database unless you opt into Renewal Watch.
Renewal Watch is an opt-in feature offered on the results screen. It emails you about three weeks before your policy renews (or soon after you sign up, if your renewal is closer than that), as a reminder to check what changed. If, and only if, you check the consent box and submit, we save:
We never save the uploaded document itself. The details from your declarations page and your answers are encrypted when stored. Your email address, renewal date, state and carrier are stored unencrypted so we can schedule and send your reminder.
You can delete it at any time with one click, from the Renewal Watch card where you opted in or from the link in our email. Deleting erases the details from your declarations page and your answers. We keep a short record that the watch existed (your email address, renewal date, state, carrier and consent). Unsubscribing stops the emails and turns off your link, without deleting anything.
The Life Needs Analyzer doesn't require a signup either. By default, it computes your plan and shows it to you, and nothing about that session is written to our database. It never asks you to upload a document.
Saving your plan is an opt-in feature offered on the results screen. If, and only if, you check the consent box and submit, we save:
Your answers and plan are encrypted when stored. Your email address, your plan's summary score and your check-in choices are stored unencrypted so we can schedule and send your emails.
We email you when you save. If you flagged a life change, we send one check-in email about six months later; if you asked for a periodic check-in, about a year later. It invites you to see whether your number has changed. We won't know if anything changed until you look. About six months after a scheduled check-in date, we automatically delete the saved answers and plan, the same way a one-click delete would.
You can delete it at any time with one click, in the app or from the link in any email we send. Deleting erases your answers and plan. We keep a short record (your email address, summary score and check-in choices). Unsubscribing stops the emails and turns off your link, without deleting anything.
We use the following on app.insuranceopedia.com:
Analytics (PostHog).We record which screens are viewed and which steps people complete so we can see what works and fix what doesn't. PostHog keeps a random visitor ID in your browser's local storage (not a cookie), so one visit isn't counted as several when you move between pages or come back from an email. The events carry the name of the step and a few category labels, like the type of damage, your state, your insurer or the kind of denial. They never carry your email address, your name, your address, the figures you enter or anything from your documents. Private link codes are removed from the page addresses PostHog records, and error reports have email addresses, numbers like policy and claim numbers, and street addresses removed. If you save a claim, we link the visitor ID to an internal claim ID, never to your email or name.
We may also record how pages are used (clicks, scrolling and screens viewed) to find problems. Everything you type is hidden in those recordings. In the Claims & Appeal Assistant, your letters and case details are hidden too. In RenewalOwl and the Life Needs Analyzer, the results shown on screen (such as coverage figures or your plan's numbers) can appear in a recording.
Advertising measurement (Google and Meta). We run ads on Google and Meta (Facebook and Instagram). To see which ads work, our pages load:
_gcl_au and _gcl_aw;_fbp and _fbc.We also keep the ad click ID and campaign details from the link you arrived on (gclid, gbraid, wbraid, Meta's fbclid as _fbc, fbclid_raw and fbclid_ts, and utm_ values) in first-party cookies on insuranceopedia.com for 90 days, so we can tell which ad brought you here even after you move from our website to this tool. We also set _io_sid, a random ID for your browser that isn't linked to your name or email.
These tools tell Google and Meta when someone who clicked an ad reached a step. For Meta, those are: a page view, starting a read, reaching your read, starting checkout, opening your saved plan and completing a payment. They're sent from your browser and, for reliability, from our server too. The server copy carries the event name and ID, the page address (with any private link codes removed), your IP address and browser type, the Meta cookie IDs above, and a scrambled (hashed) form of the _io_sidID. For Google, those are reaching your read, unlocking your plan and completing a payment (with the amount and Stripe's checkout reference, so a payment is only counted once), with the Google click ID.
When you complete a payment, we send Meta a scrambled (hashed) form of your email address so it can match the payment to any ad that brought you here. Meta can't read your email from it. This doesn't happen if you've opted out of ad sharing (see “Your choices”).
We never send them your answers, your documents, your claim details, your name, address, policy number or claim number. We've switched off Meta's feature that automatically scans pages and forms. If you open your saved plan from a private link, these tags aren't loaded on that page.
Under some state privacy laws (for example California's), using ad cookies this way can count as “sharing” personal information for advertising. You can opt out. See “Your choices.”
Sign-in.Some of our other tools use Clerk for optional sign-in. Clerk loads only on sign-in pages. It never loads on the Claims & Appeal Assistant or on this page.
We may publish statistics built from claim outcomes — for example, the average difference between insurers' first offers and final payments. These are combined across many people and never identify you or your claim.
We share information only with service providers that run parts of the tools for us, and only what each needs:
We may also disclose information if the law requires it, to protect people's safety or our rights, or as part of a merger or sale of the business (we'd post notice first).
The details you save are encrypted when stored, and everything is sent over encrypted connections. Your email address and a few scheduling details (like a renewal date) are stored unencrypted so we can send your emails, and files you add to your plan are stored privately with our hosting provider. Access is limited to the people who need it to run the service. No system is perfectly secure, so we keep only what the tools need.
Our tools are not for children under 13, and we don't knowingly collect their information.
If we change how we handle your data, we'll update this page and the date at the top. If a change is significant and you've saved something with us, we'll email you.
Questions about this page or your data: contact@insuranceopedia.com.
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