Privacy Policy

1. Scope

This policy explains how AskLily collects, uses, and protects personal information across our consumer services (asklily.insure, asklily.chat chat/SMS/email with Lily) and the Lily Agent Desk used by licensed producers.

2. What we collect

• Consumers: contact details you provide (name, phone, email, state), conversation content with Lily, product interests, household and budget information you choose to share, and technical data (device identifiers, approximate location, timestamps) used for security and fraud prevention.
• Agents: identity and licensing details (name, email, phone, NPN, license states), carrier and distributor affiliations, sign-in and activity records, and communications sent through platform tools.
• Prospect records: publicly and commercially sourced homeowner and consumer list data used for outreach targeting, which we screen against do-not-call registries.

3. How we use it

• To connect consumers with licensed agents and provide requested quotes and service.
• To operate, personalize, and improve the Platform, including AI-assisted briefings and routing.
• To verify contactability (email and phone verification), prevent fraud, and maintain security.
• To comply with law, including do-not-call suppression, consent records, and record-keeping.

4. AI processing

Conversations with Lily and platform content may be processed by third-party AI providers (such as Anthropic) under contracts limiting use to providing the service. Do not submit information you are not comfortable being processed to provide the service. AI outputs are generated content and may contain errors.

5. Sharing

We do not sell consumer personal information. We share it with: the licensed agent(s) servicing your inquiry; service providers (hosting, messaging, email delivery, verification, compliance scrubbing) bound to confidentiality; insurance carriers when you apply; and authorities when legally required.

6. Communications and consent

Consumers who submit our forms consent to contact by phone, text, and email, including with AI-assisted technology, as disclosed at submission. Reply STOP to end texts, use the unsubscribe link to end emails, or tell any agent or Lily to stop and we will honor it across the organization. Cold outreach, where conducted, is screened against federal and state registries and honors opt-outs permanently.

7. Retention and security

We retain records as long as needed for the purposes above and as law requires (consent and DNC records are kept long-term by design). We use encryption in transit, access controls, key-scoped credentials, and audit logging. No system is perfectly secure; we will notify affected persons of breaches as required by law.

8. Your choices

You may request access to, correction of, or deletion of your personal information (subject to legal retention duties) by emailing Lily@asklily.chat. State-specific rights (including under California and other state privacy laws) will be honored where applicable. We do not knowingly collect information from anyone under 18.

9. Changes

We will post updates here with a new version date. Material changes will be highlighted on the Platform.