Privacy Policy

Legal

Effective date: November 11, 2026

Loti Technologies LLC (“Loti,” “we,” or “us”) provides software and educational resources for property, insurance, and recovery. This Privacy Policy explains how we collect, use, and disclose personal information through the websites, applications, software, content, and related technology services operated by Loti Technologies LLC that link to this policy, including loti.com and its subdomains (collectively, the “Service”). It also covers communications with us about the Service.

This policy covers the Service, including features that do not require an account. Loti Technologies LLC does not provide public-adjusting services. Loti Services, Inc. is a separate legal entity that provides public-adjusting services under its own agreements and privacy notices. This policy does not replace the privacy notices of that company or other professional-service providers. If you ask us to connect you with a professional, the sharing described below applies; that provider’s notice governs its subsequent handling of your information.

Information we collect

We collect information you provide, information from services you connect and other authorized users, and technical information generated when you use the Service. The information depends on the pages and features you use; reading an article does not require you to provide the same information as uploading a policy or creating an account.

  • Account and contact information: Your name, email address, phone number, other contact details, sign-in identifiers, preferences, and account memberships and roles. This includes information you provide when requesting a resource, subscribing to updates, joining a waitlist, or arranging a consultation.
  • Property and claim records: Property addresses, household and contact information, inventories, policy and claim details, estimates, expenses, receipts, financial records, and recovery activities. This includes information and documents you submit to tools, your assumptions or instructions, and resulting outputs.
  • Files and communications: Photos, video, audio, documents, messages, attachments, notes, and information extracted from them. Files may include location or other metadata. Depending on what you upload, they may also contain sensitive financial, health, or identification information.
  • Connected-account information: Identity information and access tokens needed to maintain a connection; policy data obtained through insurance integrations; and email content, participants, dates, attachments, and folder or label information used by features you authorize.
  • Payment information: Subscription, billing, payment-status, and transaction information. Our payment processor, Stripe, collects payment-card details; Loti does not store full card numbers.
  • Communications, support, and sharing information: Inquiries, chat and AI-assistant prompts, support requests, attachments, survey responses, feedback, appointment details, and the name or email a recipient provides when requesting access to or interacting with a shared claim package. Phone or video conversations may be recorded or transcribed with notice and consent where required by law for service delivery, quality review, or support training.
  • Technical and usage information: IP address, browser and device details, cookie and advertising identifiers, approximate location inferred from IP address, referring pages, searches, pages or features used, resource downloads, interaction and ad-response events, access times, errors, and security and diagnostic records.
Other account members may provide information about you. We may also obtain property information and product or pricing information from public records, public listings, and data providers to support features you use. Website and advertising partners may provide campaign-performance or referral information.

Provide only information you have authority to share and that is relevant to the task. Avoid uploading unrelated sensitive information.

How we use information

We use personal information to:

  • Create and secure accounts, manage permissions, and operate the Service.
  • Provide educational resources and software functionality, process and organize information, and generate content or outputs at your direction.
  • Import information from connected services and deliver communications or shared materials as you direct.
  • Process payments and administer subscriptions and trials.
  • Respond to questions, deliver requested resources and updates, manage waitlists or appointments, and provide customer support.
  • Diagnose errors, evaluate feature quality, and improve reliability and usability.
  • Measure public website and campaign activity and advertise Loti’s offerings, subject to your choices and the restrictions below.
  • Prevent fraud and misuse, comply with law, and protect legal rights.
We may send service notices and, where permitted, information about Loti products. You can unsubscribe from marketing messages; necessary account, billing, and security notices may still be sent through permitted channels. SMS choices are described below.

We do not sell personal information for money. On our public websites, we use advertising measurement and retargeting tools that disclose browser, device, and interaction information to advertising partners. Those disclosures may qualify as a “sale,” “sharing,” or “targeted advertising” under applicable state privacy laws even when no money changes hands. Your choices are described under Cookies, analytics, and advertising.

We do not use or disclose private claim records, uploaded files, connected-email or insurance-account content, or the contents of your tool inputs and generated results for advertising. We do not use personal information from within the signed-in app for cross-context behavioral advertising. The Google-data and SMS restrictions below apply across the Service and take precedence over broader uses or disclosures in this policy.

SMS communications

For SMS programs you choose, we and our authentication and messaging providers use your mobile number and related consent, preference, delivery, and messaging records to provide the messages described at opt-in, including verification or service communications. Where a program supports replies, we also process the messages you send. We do not sell mobile numbers or share mobile numbers, SMS opt-in information, or message content with third parties or affiliates for their marketing or promotional purposes. SMS opt-in data and consent are disclosed only to providers that help deliver or administer the messaging service, or as required by law. These limits apply despite broader sharing provisions elsewhere in this policy.

For ongoing service-message programs, reply STOP to opt out or HELP for help. You can also contact support@loti.com or follow the instructions accompanying a verification message. Message frequency varies, and message and data rates may apply. Marketing-text consent is separate from agreement to the Terms and is not a condition of purchase. Other necessary communications may still be sent through permitted channels.

AI and automated processing

Loti uses AI and other automated processing to analyze information and generate content or outputs. Relevant information you provide or authorize us to access, including complete files, communications, or tool inputs needed for a task, may be sent to providers that perform that processing.

Depending on the feature, inputs and results may be handled in your browser, stored with associated account records, or retained by the systems and providers processing the task. We also retain processing diagnostics that can include the content sent to an AI system and its response, with access restricted to authorized personnel and service providers for troubleshooting, security, or legal compliance, subject to the additional Google-data restrictions below. Using a tool without signing in does not mean that its inputs are anonymous or that uploaded information is never retained.

Automated results can contain errors. You can review and correct supported records, and should check source materials before relying on a result. Loti’s outputs do not determine an insurer’s coverage or payment decision or establish that a property or condition is safe.

The additional restrictions below apply to information obtained through Google APIs, including its derived information.

Email and insurance connections

Where a feature offers a connection, connecting Gmail, Outlook, or an insurance account is optional. The connection flow identifies the requested permissions. Email connections use read access to support browsing, importing, and updates; connecting a mailbox does not give Loti permission to send mail from that mailbox.

Your mailbox connection and private browsing are available to you within the selected account. Importing an email shares the imported content with people authorized to access the relevant Loti account or records. Other account members do not receive your mailbox credentials.

Importing a conversation can also enable imports of future replies, as disclosed in the app. You may separately enable automatic rules for selected senders, labels, folders, or all incoming mail. These features can require checking messages beyond the ones ultimately imported to determine which match your choices.

You can stop followed conversations, change automatic rules, or disconnect a mailbox in the app, and revoke Loti’s access through your provider’s account settings. Disconnecting stops future access but preserves information already imported. Use the available removal controls or contact us to request deletion. Files or facts used in other records or saved submissions may remain where retention is permitted by applicable law and provider requirements. Copies independently held by recipients are outside our control.

When you connect an insurance account through a provider such as Canopy Connect, we receive policy information and documents you authorize for import. The connection provider’s own privacy notice also applies to its handling of your information.

Our use and transfer of information received from Google APIs follow the Google API Services User Data Policy, including its Limited Use requirements, and the Google Workspace user data policy. We do not use that information for advertising, creditworthiness or lending decisions, or to train or improve shared or general-purpose AI models. Human access is limited to your specific permission, necessary security or legal purposes, or permitted aggregated and anonymized internal operations. These restrictions take precedence over broader uses or disclosures described elsewhere in this policy.

Who receives information

People you authorize. We share records with authorized account members and collaborators, and with recipients when you send or share materials. People with a valid sharing link and access code may access the shared material without a Loti account. Recipients can retain copies after access is withdrawn. Insurers, adjusters, attorneys, contractors, and others who receive information may have independent privacy responsibilities.

Requested professional connections. If you ask us to connect you with a separate professional-service provider, including Loti Services, Inc., we may share your contact details and information relevant to that request. The provider handles its professional services and related information under its own agreement and privacy notice. Using the Service alone does not engage that provider or authorize us to share your private records with it for representation.

Service providers. We use providers for website and knowledge-base hosting, storage, authentication, AI and file processing, insurance connections, payments, communications, support, analytics, and diagnostics. They receive information needed for their work. Examples include cloud and AI providers, Stripe for payments, Canopy Connect for insurance imports, and HubSpot for support. Our personnel may access information as needed for authorized support, operations, security, or legal requirements, subject to the additional Google-data restrictions above.

Advertising partners. On public websites, partners may collect the identifiers and browsing or interaction information described above through cookies, pixels, or similar tools to measure campaigns and show Loti advertising on other services. This is subject to the private-content, Google-data, and SMS restrictions in this policy and applicable consent and opt-out requirements.

Legal and safety needs. We may disclose information when reasonably necessary to comply with law or legal process, investigate fraud or security incidents, enforce agreements, or protect people and legal rights.

Business transfers. If Loti merges with another company or sells the business operating the Service, personal information may transfer to the successor, subject to this Privacy Policy and applicable law. We will obtain any consent required by applicable law or provider policies before transferring information.

Cookies, analytics, and advertising

We and our providers use cookies, browser storage, pixels, and similar technologies for sign-in, security, preferences, file access, website and article analytics, and embedded support or media. Public websites also use these technologies for advertising measurement and retargeting. Information can include identifiers, page URLs, referral information, and browsing or interaction events. Embedded third-party features may collect information when loaded or used under their own notices.

You can manage cookies and local storage through your browser; blocking them may affect features. Browser cookie settings alone may not stop all advertising disclosures. To exercise an applicable right to opt out of sale, sharing, or targeted advertising, email support@loti.com or use the privacy-choice controls provided on the relevant website. We honor legally required opt-out preference signals, including Global Privacy Control, where applicable. A browser-based choice generally applies to that browser or device, so you may need to repeat it on others. Opting out does not remove all advertising; it limits the uses covered by your choice.

Legacy “Do Not Track” signals do not change our practices. They are different from legally recognized opt-out preference signals. The advertising disclosures above do not authorize advertising use of private claim or tool content, Google API data, or SMS information restricted elsewhere in this policy.

Retention and security

We retain information for as long as reasonably needed to provide the Service and maintain the records you keep, and for legitimate needs such as billing, security, resolving disputes, and complying with legal obligations. The period depends on the type of information, how it is used, whether it supports other retained records, and applicable requirements. Retention can differ among website analytics, tool use, communications, and saved account records; a feature being free or usable without an account does not itself determine its retention period.

Removing a record from the app, disconnecting a service, or canceling a subscription does not necessarily erase all related files, history, or backups. Contact us for a personal-information deletion request. We will address it under applicable law and explain any relevant retention exceptions. Copies independently held by recipients are outside our control.

We use safeguards such as encryption in transit, access controls, and protected storage. No service can guarantee absolute security. We operate in the United States, and providers may process information in the United States or other countries where they operate.

Your choices and privacy rights

You can use available account controls to update information, manage access, download available records, and control connections. For additional help, email support@loti.com.

Depending on where you live and the laws that apply, you may have rights to confirm whether we process your information, access or receive a portable copy, correct inaccuracies, request deletion, limit certain uses of sensitive information, or opt out of sale, targeted advertising, or certain consequential profiling. Our automated outputs do not make insurance-coverage decisions.

To make a request, email support@loti.com and describe what you need. We may verify your identity and authority, including for requests involving a shared account. Where permitted, an authorized agent may act for you with appropriate proof of authorization. We handle requests in accordance with applicable law, including required response deadlines, explanations of denials, and appeal rights. Where an appeal right applies, you may submit an appeal to the same address with “Privacy appeal” in the subject. You may also contact your state privacy regulator or attorney general.

We will not unlawfully discriminate against you for exercising privacy rights. Some requests may affect features that need the information. Managing access as an account owner does not remove another person’s independent privacy rights.

Children

The Service is intended for adults and is not directed to children under 18. We do not knowingly collect personal information directly from children under 13. Adults may provide relevant household information, including information about children, as part of their records. Contact us if you believe a child has provided information directly to us.

Changes and contact

We will post updates with a new effective date and give notice of material changes on the affected website or app, or by email as appropriate. We will obtain consent where required before using previously collected information in a materially different way.

For privacy questions or requests, contact:

Loti Technologies LLC
1516 Oak St Ste 307
Alameda, CA 94501