Privacy Policy

Information we collect

We collect information in three ways: information you give us directly, information collected automatically as you use the site, and information we receive from insurance carriers and other partners in the course of placing coverage.

Information you provide may include your name, contact details, business information, property and vehicle details, prior insurance and loss history, and other facts needed to prepare a quote or service a policy. If you apply for coverage, this can include information that carriers treat as sensitive, such as driving records or details relevant to underwriting.

• Contact information such as name, email address, phone number, and mailing address.
• Insurance information such as coverage requested, policy details, prior carriers, and loss or claims history.
• Usage information collected automatically, such as IP address, browser type, pages viewed, and referring pages.
• Communications you send to us, including messages, form submissions, and support requests.

How we use your information

We use the information we collect to operate our business and to serve you as an insurance client.

• To prepare quotes, place coverage, and service policies with insurance carriers.
• To respond to your questions, requests, and support inquiries.
• To maintain records required by law and by our carrier and regulatory obligations.
• To improve our website, content, and services.
• To send you information about your policies or, where permitted, relevant updates you can opt out of at any time.
• To detect, prevent, and address fraud, security issues, and misuse of the site.

Contacting you about your request

When you send a quote request, a licensed broker will contact you about it at the phone number or email you provided. We do not use automatic dialing systems, prerecorded or artificial voices, or marketing text messages to reach you unless you have separately given written consent for them.

You can ask us to stop contacting you at any time by telling any caller to stop or by emailing us.

Text messages and mobile information

If you opt in to text messages from Menlo Insurance Services, we use your mobile number to respond to your insurance request, ask for missing application details, and provide quote or customer-service updates. Providing contact details alone does not enroll you in text messages. SMS consent is not a condition of purchasing insurance.

We do not sell or share mobile phone numbers, SMS opt-in data, or text-message consent with third parties, affiliates, or lead generators for marketing or promotional purposes. These data are excluded from the advertising sharing described below. We use messaging service providers, including Twilio and telecommunications carriers, to deliver messages on our behalf. They do not receive permission to use your SMS consent for their own marketing.

You can stop text messages by replying STOP. Reply HELP for help, call (628) 285-5140, or email support@menloinsurance.com. See the Text messaging section of our Terms of Use for message frequency, charges, and program details.

How we share your information

We do not sell your personal information for money. We do share personal information with advertising partners for cross-context behavioral advertising, which California law treats as "sharing" and gives you the right to opt out of. See "Your choices about advertising" below. Otherwise we share information only as needed to provide our services and as described here.

• Insurance carriers, wholesalers, and surplus lines brokers, to obtain quotes and place or service coverage on your behalf.
• Service providers who support our operations, such as hosting, analytics, and communications vendors, under contracts that limit their use of the information.
• Advertising and measurement partners, including Google and Meta, which receive online identifiers such as cookie or device identifiers, and may receive a hashed email address to measure advertising and reach people who have visited our site or contacted us. A hashed email address is not anonymous because a partner may match it to an email address it already holds. When you arrive from a Google ad, we keep the ad click identifier with your quote request and may later tell Google whether that request led to a quote or a policy, to measure our advertising. We do not send phone numbers or SMS consent to advertising partners.
• Legal and regulatory authorities when required by law, subpoena, or a governmental request, or to protect our rights, safety, and property.
• A successor entity in connection with a merger, acquisition, or sale of assets, subject to this Policy.

AI assistants you connect

You can connect one Menlo quote to an AI assistant that supports the Model Context Protocol (MCP), such as ChatGPT, provided by OpenAI, or Claude, provided by Anthropic, or another MCP-compatible app you choose. Without a connection, the assistant can only show public quote-form links. To connect, you approve access on Menlo’s website to one existing quote, or approve a new-quote connection and choose its product in chat. Each connection covers only that one quote and never gives the assistant access to your other quotes.

For the connected quote, we share with the assistant its quote number and connected-quote identity, current ordinary application questions and supported saved answers, quote status, carrier outcomes, available premiums and terms, and outstanding question labels, options and correction requirements. This lets you continue supported application questions, check your request and answer additional questions in the assistant.

If you also authorize answering questions, we receive the supported ordinary application or additional answers you choose to send through the assistant and save them to the connected quote. Saving ordinary application answers does not perform the final submission of your application. Saving supported answers may start or resume eligible carrier processing through the same gates used by our website. When a quote is started or answered from an app other than ChatGPT or Claude, a Menlo team member reviews it before any carrier is contacted. The assistant does not recommend a carrier or coverage limit, make a coverage choice for you, sign, bind or purchase insurance. If you separately authorize quote submission, it can show your application, the Terms link and quote consent, record your explicit confirmation against that application revision, and request eligible carrier quotes. OAuth access or saving answers alone does not accept the Terms.

Sensitive details stay on Menlo’s website. Do not send Social Security numbers, driver’s license numbers, bank or card details, medical information, passwords, verification codes or other protected information through an assistant. Required protected information, uploaded documents, coverage choices, fraud acknowledgements, carrier-specific attestations and signatures use the existing website flow. Final application review and quote authorization, including the disclosed consumer-report consent, can be completed in chat only with your explicit confirmation after the review is shown. We do not return protected answer values or Menlo website access credentials to an assistant.

If your app supports MCP events, you can subscribe to updates for the connected quote. We send only a status summary and outstanding-question count to that app’s verified callback, never protected answers or premiums in the event. The subscription ends when access expires or is revoked. Without an active subscription, you need to check status again. A Menlo access token lasts up to one hour. The connection and its ability to renew access end after at most seven days, or earlier if you disconnect or lose access to the quote. Menlo stores connection and token records to enforce that authorization and prevent misuse. We store only a hash of each issued access or refresh token, rather than its usable value. Supported answers saved to your quote follow our insurance-record retention practices below. Disconnecting does not delete previously saved quote answers or information already sent to the assistant.

You can disconnect at any time in the assistant’s own settings, such as ChatGPT’s connection settings or Claude’s connector settings. You can also revoke Menlo’s quote authorization at https://www.menloinsurance.com/mcp/connect in the browser where you can access that quote. If your quote is not shown there, reopen its existing Menlo resume link in that browser first. For help or a privacy request, contact privacy@menloinsurance.com. Each assistant’s handling and retention of the information it receives, including your conversations, are governed by that provider’s own privacy policy and the controls available for your account. Our token and connection expiration periods do not describe how long an assistant keeps your conversations.

Information from outside sources

Most insurance companies use information from outside and other sources, such as driving, claims and credit histories, to calculate an accurate price for your insurance. When you ask us for a quote, the carriers we shop on your behalf may order these reports about you.

This Policy explains how your information is disclosed and how it is protected. If a report affects your price or eligibility, the carrier must tell you which report it used and how to obtain a copy. To see or correct information in such a report, contact the carrier or the reporting agency named in its notice, or email privacy@menloinsurance.com and we will point you to the right place.

Cookies, analytics, and advertising

We use cookies and similar technologies to operate the site, remember your preferences, and understand how the site is used. You can control cookies through your browser settings. Blocking some cookies may affect how the site works.

We use analytics to measure traffic and improve content. We also use advertising cookies and similar technologies from Google and Meta to measure whether an ad led to a quote request and to show ads to people who have already visited our site. Unlike ordinary analytics, these advertising technologies use identifiers that can single out your browser or device, and the advertising partner may combine them with information it already holds about you. You can opt out at any time. See "Your choices about advertising" below.

Your choices about advertising (Do Not Sell or Share My Personal Information)

California residents have the right to opt out of the sale or sharing of personal information, including sharing for cross-context behavioral advertising. You can exercise that right in any of these ways, and you do not need an account and will not be asked to justify the request.

• Send a Global Privacy Control signal from your browser or a browser extension. We treat a Global Privacy Control signal as a valid opt-out request for that browser, automatically, without you having to contact us.
• Email privacy@menloinsurance.com with the subject line "Do Not Sell or Share". Tell us the email address or phone number you gave us so we can find your record.
• Use your browser settings to block or delete advertising cookies. Blocking some cookies may affect how the site works.

When you opt out we stop advertising cookies from loading in that browser, and we stop including your details in any list we provide to an advertising partner. Opting out does not stop us from contacting you about a quote you asked for, and it does not delete information we must keep under insurance record-keeping rules.

We do not knowingly use or disclose the personal information of anyone under 16 for advertising.

Your privacy rights

Depending on where you live, you may have rights over your personal information, including the right to request access to it, to request correction or deletion, and to opt out of certain sharing. California residents have specific rights under the California Consumer Privacy Act as amended by the California Privacy Rights Act.

To exercise any of these rights, contact us at privacy@menloinsurance.com. We will verify your request and respond within the time required by applicable law. We will not discriminate against you for exercising your privacy rights.

Some insurance records are governed by separate rules under state insurance law, and certain information must be retained even after a deletion request.

Data security

We maintain administrative, technical, and physical safeguards designed to protect the information we hold. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please do not send full account numbers or other highly sensitive details through unsecured email.

Data retention

We keep personal information for as long as needed to provide our services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Insurance and financial records are often subject to retention periods set by law.

Children's privacy

This website is intended for adults and for business use. We do not knowingly collect personal information from children under the age of 16. If you believe a child has provided us information, please contact us so we can remove it.

Third-party links

Our site may link to carrier portals and other third-party websites. We are not responsible for the privacy practices of those sites. Please review their policies before providing information.

Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the date at the top of this page. Your continued use of the site after an update means you accept the revised Policy.

Contact us

If you have questions about this Privacy Policy or how we handle your information, contact Menlo Insurance Services at privacy@menloinsurance.com. For general help, write to support@menloinsurance.com.