Privacy Policy

Charter (“Charter,” “we,” “us,” or “our”) respects your privacy and is committed to protecting information that we collect and process. This Privacy Policy explains what information we collect when you visit charter-permits.vercel.app or use Charter’s products and services, how we use that information, when we share it, how long we retain it, and certain rights and choices you may have.

This Privacy Policy is intended to describe Charter’s current data practices. Charter may update this Privacy Policy from time to time as our products, services, and legal obligations evolve.

1. What Information We Collect

Property Information

When you use Charter to request a property audit or report, we may collect information you provide about the property, including:

• Property addresses
• Property characteristics and attributes
• Answers to questions used to evaluate a property
• Other information you voluntarily submit as part of an audit request

Contact Information

We may collect your email address when you:

• Request a full report
• Request a coverage notification
• Contact us with a question or support request
• Subscribe to communications from Charter

Technical and Usage Information

When you interact with Charter, we may automatically receive standard technical information associated with your request, such as:

• IP address or a hashed representation of your IP address
• Browser and device information
• Date and time of requests
• Basic usage and interaction information
• Information used to detect abuse, enforce usage limits, and maintain security

We use this information primarily to operate, secure, and improve the Services.

2. What We Do Not Collect

Charter does not require you to create an account to run an audit.

Charter does not sell your personal information.

Raw IP addresses are not retained by Charter for the purpose of identifying individual users. Where IP addresses are processed for rate limiting, security, or abuse prevention, Charter hashes the IP address upon receipt and uses the resulting value for those purposes.

3. How We Use Information

We may use information we collect to:

• Provide, operate, and maintain Charter and its Services
• Process property audit requests
• Generate and deliver requested reports
• Notify you about property coverage or other requested information
• Respond to questions and support requests
• Enforce usage limits and prevent abuse
• Protect the security and integrity of our Services
• Detect, investigate, and prevent fraud or unauthorized activity
• Analyze and improve the performance and functionality of our Services
• Develop new features and products
• Comply with applicable laws, regulations, legal processes, or governmental requests
• Protect the rights, safety, and property of Charter, our users, and others

4. Property Audit Information

Charter is designed to analyze information associated with properties and provide audit results based on the information submitted and the sources available to Charter.

Audit inputs may be retained so that an audit determination can be reproduced, reviewed, and explained. Retaining this information also allows Charter to investigate errors, improve the Services, and respond to questions about previously generated results.

Submitting information to Charter does not necessarily mean that Charter independently verifies every piece of information provided or referenced in an audit.

5. Sharing of Information

Charter may share information with third parties when reasonably necessary to operate the Services or fulfill the purposes described in this Privacy Policy.

These parties may include:

Service providers and infrastructure providers. Charter may use third-party providers for hosting, storage, communications, analytics, security, infrastructure, and other services necessary to operate Charter.

Professional advisers. We may disclose information to legal, accounting, auditing, insurance, or other professional advisers where reasonably necessary.

Legal and safety requirements. We may disclose information when required by law, regulation, legal process, or governmental request, or when we reasonably believe disclosure is necessary to protect Charter, our users, or others.

Business transactions. If Charter is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction, information may be transferred as part of that transaction, subject to applicable law.

Charter does not sell personal information.

6. Sub-Processors

Charter may use third-party service providers, sometimes referred to as sub-processors, to provide infrastructure and other functions necessary to operate the Services.

A current list of Charter’s sub-processors is maintained in the Charter Trust Center and may be updated from time to time. Where required by applicable law or contractual commitments, Charter will provide notice of material changes before they take effect.

7. Data Retention

Charter retains information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

Audit inputs may be retained so that determinations can be reproduced, reviewed, and explained.

Contact information may be retained for as long as reasonably necessary to provide requested communications, maintain records of those communications, or satisfy applicable legal obligations.

Security and technical information may be retained for as long as reasonably necessary to maintain security, prevent abuse, enforce usage limits, and operate the Services.

When information is no longer needed, Charter may delete, anonymize, or otherwise securely dispose of it, subject to applicable law and legitimate business requirements.

8. Cookies and Similar Technologies

Charter may use cookies and similar technologies to operate the website, maintain security, understand how visitors use the Services, and improve website functionality.

Where required by applicable law, non-essential cookies or similar technologies will be used only with the appropriate consent.

Your browser or device may provide settings that allow you to control or block certain cookies. Disabling certain technologies may affect the functionality of the website.

9. Security

Charter uses reasonable technical and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration, or destruction.

No method of transmission over the internet or method of electronic storage is completely secure. Accordingly, Charter cannot guarantee absolute security of information.

10. Your Privacy Rights

Depending on your location and applicable law, you may have certain rights regarding your personal information, including the right to:

• Request access to personal information we hold about you
• Request correction of inaccurate information
• Request deletion of personal information
• Request restriction of certain processing
• Object to certain processing
• Request a portable copy of certain information
• Withdraw consent where processing is based on consent
• Lodge a complaint with an applicable privacy or data protection authority

These rights may be subject to limitations and exceptions under applicable law.

To exercise a privacy right or ask a question about our privacy practices, contact us at privacy@charter-permits.vercel.app.

We may need to verify your identity before processing certain requests.

11. Children’s Privacy

Charter’s Services are not directed to children under the age of 13, and Charter does not knowingly collect personal information from children under 13.

If you believe that a child has provided personal information to Charter, please contact us at privacy@charter-permits.vercel.app so that we can take appropriate action.

12. Third-Party Websites and Services

Charter may provide links to websites or services operated by third parties. Those third parties maintain their own privacy policies and practices, and Charter is not responsible for their privacy practices.

We encourage you to review the privacy policies of third-party websites and services before providing them with personal information.

13. Changes to This Privacy Policy

Charter may update this Privacy Policy from time to time. When we make changes, we will post the updated version on this page and update the “Last Updated” date above.

Your continued use of Charter after an updated Privacy Policy becomes effective constitutes your acknowledgment of the updated policy to the extent permitted by applicable law.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or Charter’s privacy practices, please contact:

Charter
Email: privacy@charter-permits.vercel.app

See also our Terms and Disclosures, which explain the limits of what an audit determination is and is not.