Privacy Notice and Website Privacy Policy

Last Updated: July 10, 2026

At Stadium Insurance ("Stadium," "we," "our," or "us"), your privacy is important to us. When we provide insurance quotes, sell insurance policies, administer coverage, handle claims, or operate our website, we collect information about individuals and the property or risks we insure.

This Privacy Notice describes the types of information we collect, where we obtain it, how we use it, how we share it, and the steps we take to protect it. It applies to current and former customers, applicants, website visitors, and individuals who submit quote requests in the United States.

A Few Key Points

• We collect personal information from you, your agent, service providers, and other authorized third parties.
• We do not sell your personal information.
• We do not share your personal information with third parties or affiliates for their own marketing purposes without your consent.
• Mobile opt-in data and SMS consent information will not be shared with third parties or affiliates for marketing or promotional purposes.
• We maintain administrative, technical, and physical safeguards designed to protect personal information.

1. Information We Collect

Information You Provide

We may collect information that you voluntarily provide, including:

• Name
• Mailing address
• Email address
• Telephone number
• Insurance application information
• Details about items or property to be insured
• Estimated values of insured property
• Storage locations and risk information
• Policy-related communications
• Your role or relationship to the insured property
• Any additional information or notes you choose to provide
• SMS opt-in status and communication preferences

Information We Obtain From Other Sources

To evaluate insurance risks and administer policies, we may obtain information from:

• Consumer reporting agencies
• Insurance support organizations
• Former insurers
• Claims databases
• Government agencies
• Independent reporting companies
• Insurance agents and brokers
• Third-party property data providers
• Other lawful sources

This information may include:

• Credit history and credit-based insurance scores, where permitted by law
• Accident history
• Claims history
• Prior insurance history
• Property information
• Household risk information
• Other underwriting-related information

Property Inspections and Risk Assessment

To evaluate insured property, we may:

• Obtain third-party inspection reports
• Conduct property inspections
• Use photographs or video
• Obtain geospatial information
• Use unmanned aircraft systems (drones), where permitted by law

When necessary, we may request an interior inspection to accurately assess property conditions.

Health Information

In limited circumstances and where relevant to underwriting, claims handling, or legal requirements, we may request or receive health-related information as permitted by applicable law.

Website Usage Information

When you visit our website, we may automatically collect certain technical information, including:

• IP address
• Browser type
• Device information
• Referring website information
• Pages visited
• Time spent on pages
• Website interaction information

This information helps us improve our website, products, and services.

2. How We Use Your Information

We may use personal information to:

• Provide insurance quotes
• Underwrite, rate, and issue insurance policies
• Service and administer policies
• Process payments
• Handle claims
• Verify information provided to us
• Respond to inquiries
• Communicate regarding quotes, policies, claims, and customer service matters
• Send SMS communications if you have opted in
• Develop and improve products and services
• Improve website functionality and user experience
• Detect and prevent fraud
• Protect our legal rights
• Comply with legal and regulatory obligations
• Conduct other business operations permitted by law

Telephone and Electronic Communications

When you provide a telephone number or email address, you consent to receiving communications relating to your quote, policy, claim, or inquiry, as permitted by law. Communications may occur by:

• Telephone
• Email
• SMS/text message
• Automated dialing systems
• Recorded messages
• Other electronic means supported by your device

3. How We Share Your Information

We do not sell personal information.

We do not share personal information with third parties or affiliates for their own marketing or advertising purposes.

We may disclose personal information as necessary to operate our business and provide services, including to:

• Insurance agents and brokers
• Affiliated insurance companies
• Underwriters and insurers
• Claims adjusters and investigators
• Insurance support organizations
• Consumer reporting agencies
• Third-party service providers
• Software and CRM providers
• Email and SMS delivery providers
• Legal, regulatory, and governmental authorities
• Law enforcement agencies
• Professional advisors
• Other parties as permitted or required by law

Any service provider receiving personal information is required to use it only for authorized business purposes and to maintain appropriate confidentiality and security protections.

We may also disclose personal information:

• To comply with legal obligations or legal process
• To investigate fraud or illegal activity
• To protect the rights, safety, and property of Stadium, our customers, or others
• In connection with a merger, acquisition, restructuring, or sale of assets, subject to applicable legal requirements

4. SMS / Text Messaging

Mobile Information Protection

Mobile opt-in data and consent information will not be shared with third parties or affiliates for marketing or promotional purposes.

SMS consent information is used solely to provide communications related to your quote, policy, claims, customer service, or other requested services.

We do not sell, rent, or transfer SMS consent information for marketing purposes.

Types of Messages

If you opt in, we may send:

• Quote follow-ups
• Appointment reminders
• Policy-related notifications
• Claim-related updates
• Service communications
• Status updates regarding active inquiries

Unless specifically disclosed and consented to, we do not send promotional SMS marketing campaigns.

Opt-Out

You may opt out of SMS communications at any time by replying STOP to any text message.

For assistance, reply HELP or contact us using the information provided below.

Message and data rates may apply.

SMS Record Retention

We may retain records of SMS consent, including the date, time, method of consent, and related communications, for as long as necessary to comply with legal, regulatory, and business recordkeeping requirements.

5. Cookies and Analytics

We may use cookies, similar technologies, and analytics tools to better understand how visitors use our website.

These technologies help us:

• Improve website performance
• Understand visitor behavior
• Measure website traffic
• Enhance user experience
• Improve products and services

Analytics data is generally aggregated and used for business analysis. You may manage cookies through your browser settings, although certain website functionality may be affected if cookies are disabled.

6. Data Security

We maintain physical, technical, electronic, and administrative safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction.

Although we employ reasonable security measures, no transmission of information over the internet or electronic storage system can be guaranteed to be completely secure.

7. Data Retention

We retain personal information for as long as necessary to:

• Provide requested services
• Administer policies and claims
• Maintain business records
• Meet legal and regulatory obligations
• Resolve disputes
• Enforce contractual rights

Retention periods may vary depending on the type of information and applicable legal requirements.

8. Your Privacy Rights

Subject to applicable law, you may have the right to:

• Request access to personal information we maintain about you
• Request correction of inaccurate information
• Request deletion of certain personal information
• Withdraw consent where applicable
• Opt out of SMS communications
• Receive information about certain disclosures of your information

To make a request, please contact us using the information below.

We may verify your identity before fulfilling requests.

9. Reviewing and Correcting Your Information

If you wish to know what personal information we maintain about you, you may submit a written request that includes:

• Your full name
• Mailing address
• Telephone number
• Policy number (if applicable)

We will respond in accordance with applicable law.

If information is inaccurate, you may request correction. We will review the request and make any corrections required by law.

10. Children's Privacy

Our services are intended for adults and are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that such information has been collected, we will take reasonable steps to delete it.

11. Changes to This Privacy Notice

We may revise this Privacy Notice from time to time.

When changes are made, the "Last Updated" date above will be revised. Continued use of our website, products, or services after an updated notice becomes effective constitutes acknowledgment of the revised notice.

12. Contact Us

Stadium Insurance

467 Hamilton Ave #10

Palo Alto, CA 94301

Privacy Inquiries: support@stadiuminsurance.com

For SMS assistance, reply HELP to any text message you receive from us.