Privacy Policy

Effective September 28, 2026 · Version 2026-09-28

This Privacy Policy explains what information Claim Enforcer collects, how we use it, who can see it, and the choices you have.

It covers the Claim Enforcer web app at app.claimenforcer.com and the emails and calendar invites the app sends. Together, we call these "the Service." Our marketing website, claimenforcer.com, is covered by its own privacy notice posted there. If a form on that website sends your information to the app (for example, estimator answers with your email address), this policy covers that information once the app receives it.

This policy applies to customers and to the professionals who use the Service, such as appraisers, attorneys and collision centers. Please also read our Terms of Service.

The short version

• We collect what we need to help with your vehicle damage claim: your contact details, your claim details, the documents and photos you upload, and your messages.
• Your appraiser, your attorney and our staff can see your claim file. A collision center sees only its own requests and the status of a referral it made, identified by your case reference number.
• We do not sell your personal information. The app has no advertising or analytics trackers. Its cookies only keep it working and remember how you found us.
• We don't use artificial intelligence (AI) to process your information in the app.
• We keep case information for 7 years after your case closes, then delete it.
• You can ask to see, correct, delete or get a copy of your information. Email info@claimenforcer.com or call (720) 295-2039.
• Messages in the app are not protected by attorney-client privilege.

1. Who we are and how to reach us

The Service is run by Claim Enforcer LLC, a Wyoming limited liability company ("Claim Enforcer", "we", "us"). Claim Enforcer is a claim valuation and consumer resources platform. We are not a law firm and do not give legal advice.

For privacy questions and requests, contact us:

• Email: info@claimenforcer.com
• Phone: (720) 295-2039
• Mail: Claim Enforcer LLC, 26719 Pleasant Park Rd, Suite 210A, Conifer, CO 80433

2. Information we collect

We get information from five sources, described below: you, professionals and people who refer you, Google or Microsoft, Stripe, and the app itself.

2.1 Information you give us

• Account details. When you sign up, you give us your name, email address and the state where the accident happened, and, if you choose, your phone number. Unless you sign in with Google or Microsoft, you also create a password. We store only a scrambled version of it (called a "hash") that can't be turned back into your password.
• Claim details. In your intake form (the first set of questions about your claim) and in later requests, you may tell us about:
  • your vehicle: year, make, model, trim, VIN (vehicle identification number), mileage, and what it was worth before the accident
  • the accident: its date, state and ZIP code
  • your claim: whose insurance you are claiming against, the insurance company, the claim number, whether the at-fault insurer has accepted responsibility, and the deductible you paid
  • repairs: where they stand, which shop is doing them, how severe the damage was, what parts were used, and any repair balance the insurer hasn't paid
  • a total loss: any settlement offer, whether it included sales tax and fees, and what you spent on upgrades
  • time without your vehicle: how many days, any rental or replacement vehicle, and your transportation costs
  • whether you already have an attorney, and the attorney's name
  • how you'd like us to contact you: phone, email or text message
• Documents and photos. Files you upload, such as photos of your vehicle, repair estimates, repair plans, invoices, letters and settlement offers from an insurance company, and records of rental costs. We also keep each file's name, type and size.
• Messages and requests. Messages you send on your case, your answers to requests from your claim team (your appraiser, your attorney and our staff), and questions you send our staff.
• Estimator answers. Your answers to our free estimator, and the estimated range it gives you. In the app, they are saved to your case. If you use the estimator from outside the app and give your email address, we save your answers, the estimate and your email so our staff can follow up. If you later sign up with that email, we connect them to your account so you don't have to answer twice. If you don't give an email address, we don't keep your answers.
• Purchases. The service you buy, its price, and when you paid. Your card details go to Stripe, not to us (see section 2.4).
• Terms acceptances. When you accept our Terms of Service and this Privacy Policy, we record which versions you accepted, when, and the IP address you used (see section 2.5).

If you call or email us, our staff may enter what you tell us into the app for you.

2.2 Information from professionals and people who refer you

• A professional who sets you up. An appraiser, attorney or collision center may open a claim for you in the app. They may give us your name, email address, phone number, the state where the accident happened and a note about your claim. We then email you an invitation. The professional can't see the claim in the app until you accept the invitation or confirm the claim is yours. If it isn't your claim, don't accept the invitation (or choose "Not me" if you already have an account), and let us know.
• Someone who introduces you. A person or business may introduce you to us and give us your contact details and a note.
• Your claim team and repair shop. Your appraiser prepares your appraisal report. Your appraiser, your attorney or our staff may send you requests and messages. A collision center may upload documents it is asked for, such as repair photos or a final invoice. All of this becomes part of your case.

2.3 Information from Google or Microsoft (only if you choose)

You can sign in with a Google or Microsoft account instead of a password. If you do, Google or Microsoft sends us your name, your email address (and whether it's verified), and the ID of your account with them. If you sign up this way, we use that name as your account name.

We ask only for this basic profile. We don't get access to your mailbox, calendar, contacts or files. Google or Microsoft will know you used their sign-in for Claim Enforcer, but they don't receive your claim information.

2.4 Information from Stripe

Stripe processes our payments. You enter your card details on Stripe's secure checkout page. We never see or store your full card number. Stripe tells us whether your payment went through. If you dispute a charge with your card company, Stripe tells us the amount and the reason. Stripe handles your card details under its own privacy policy.

2.5 Information collected automatically

• IP address. This is the internet address of your device or network. We use it to protect the Service. It helps us limit repeated attempts to sign in, sign up, reset a password or use the estimator. It is also saved in our audit log, a record of who did what in the app that can't be edited (see sections 6 and 7). We also record it when you accept our terms. We don't collect your precise location.
• Cookies. A few small files that keep you signed in and remember how you found us. See section 5.
• Referral codes and campaign tags. A sign-up link can carry a referral code (for example, from a collision center's flyer) or campaign tags. Campaign tags, also called "UTM" tags, show which campaign a link came from. We save them with your sign-up.
• Activity records. The app records key steps, such as creating an account, finishing your intake or paying. Our audit log records actions such as signing in (and failed sign-in attempts), viewing a case and downloading a file.
• Error reports. If something goes wrong, a technical report may go to our error-monitoring service, Sentry. We set it up to leave out personal details such as your name, email address and IP address (see section 4.6).

The app has no third-party analytics or advertising trackers, and it doesn't record your screen or keystrokes.

3. How we use your information

We use your information to:

• provide the Service and coordinate your claim with your claim team, including setting up your case, sending and answering requests, delivering your appraisal report, and arranging attorney consults you ask for
• take payments and send receipts
• send you service emails, such as links to confirm your email or reset your password, request notices and reminders, report-ready notices and account-security notices
• send calendar invites for consults and request due dates, and alert you to new messages (the alert doesn't include the message)
• contact you about your claim by phone, email or text message, using the method you choose
• keep the Service and your account secure, and prevent fraud and misuse
• find and fix errors
• measure, in our own records, which referral sources and campaigns bring people to the Service
• keep records of our arrangements with people and businesses who introduce customers to us
• see where our sign-up and ordering steps can be made easier, and improve the Service
• comply with the law, enforce our Terms of Service, and handle disputes

No AI. We don't use artificial intelligence (AI) to process your information in the app. Our free estimator uses fixed formulas and reference tables, not AI.

We don't send marketing emails or marketing texts, and we don't make automated calls.

4. Who can see your information

Who can see your information depends on their role in your claim. The app checks these limits on our servers every time. It doesn't rely on hiding buttons.

Your case reference number is a code like CE-2026-00123. It identifies your case without showing your name.

4.1 Your appraiser

When our staff assign an independent appraiser to your case, the appraiser can see your full claim file. That includes your email address and phone number, your claim details, documents, photos and messages. An appraiser who opened the claim for you is assigned to it, but can't see it until you accept the invitation or confirm the claim.

4.2 Attorneys

Attorneys on the Service are independent of Claim Enforcer. Choosing to work with one is up to you.

• When you ask for a consult (a first conversation with an attorney), your request goes into a list that attorneys on the Service can see. Before an attorney takes it, they see only your case reference number and when you asked.
• When an attorney takes your request, that attorney can see your name, email address and phone number, so they can contact you.
• When a consult is scheduled, that attorney becomes your case's attorney, if your case doesn't already have one.
• Your case's attorney can see your full claim file, the same as your appraiser. An attorney can also become your case's attorney if our staff assign them at your request. An attorney who opened the claim for you is assigned to it, but can't see it until you accept the invitation or confirm the claim.

4.3 Collision centers (repair shops)

A collision center sees only:

• requests sent to it about your case, identified by your case reference number, and the documents on those requests; and
• if it referred you to us, your case reference number and the status of that referral, including whether you became a paying customer. It may also get an email, showing only your case reference number, when you do.

A collision center doesn't see the rest of your claim file or your messages.

4.4 Someone who introduced you

A person (other than a collision center) may introduce you to us through the Service. That person can see your name and email address, your case reference number, who introduced you and when, and the status of the introduction, including whether you became a paying customer. They also get an email when you do.

4.5 Claim Enforcer staff

Our staff (customer representatives and administrators) can see all cases, documents and messages. They need this to run the Service and help you.

Staff can also act in the app on your behalf, for example to fill in your intake with you over the phone. Every action they take for you is logged under both their name and yours. We don't send you a separate notice each time, but you can ask us what was done (see section 8). Staff can't make a payment for you.

Only administrators can see our audit log, our records of emails sent, and our financial records.

4.6 Service providers

We use these companies to run the Service. Each receives only what it needs to do its job.

About Sentry. Before an error report is sent, we remove cookies, anything typed into forms, request headers (which include your IP address and browser type), sign-in links and other web-address details. We also set Sentry not to collect names, email addresses or IP addresses. Rarely, an error message itself could contain a detail such as a name or email address. We use error reports only to find and fix problems. A report may include an internal account number, which doesn't reveal your name or contact details. Reports from your browser go straight to Sentry, so Sentry's servers see your IP address when a report arrives. We configure Sentry not to store IP addresses. Separately, your browser may send Sentry a short security report if a page tries to load something our security settings block. That report includes the address of the page you were on (which can include details such as a referral code) and your browser type. It never includes pages that carry a sign-in or reset link.

4.7 Legal reasons, safety and business changes

We may share information:

• if the law requires it, such as to answer a subpoena or court order;
• to protect the rights, property or safety of you, us or others, or to investigate fraud or security problems;
• with your permission, or when you ask us to; and
• if Claim Enforcer is part of a merger, an acquisition or a sale of its assets. Your information may be transferred as part of that deal, and it would stay subject to this policy.

4.8 What we don't do

• We do not sell your personal information.
• We do not "share" your personal information for cross-context behavioral advertising. That means ads aimed at you based on what you do across other companies' websites and apps. We don't use your information for targeted ads at all.
• We have not sold personal information, or shared it for cross-context behavioral advertising, in the past 12 months.
• We don't give your information, including your phone number or your choice to receive texts, to anyone for their own marketing. (So California's "Shine the Light" law gives you nothing to request from us.)
• When you ask us to connect you with an attorney, or you choose to work with a professional through the Service, we share your information with them at your direction. That is not a sale.

5. Cookies

Cookies are small files a website stores in your browser. The app uses only the 7 cookies below. The app sets all of them itself; they are "first-party" cookies. Each one either keeps the app working ("essential") or remembers how you found us ("attribution"). They are locked to the app, so other websites can't read them.

• No tracking. The app has no advertising, analytics or social media cookies, pixels or tracking scripts. It doesn't load scripts from other companies, and its fonts are stored on our own servers.
• Your choices. You can block or delete cookies in your browser settings. If you block essential cookies, you won't be able to sign in. Blocking the attribution cookies doesn't change how the app works.
• Global Privacy Control. If your browser sends a Global Privacy Control (GPC) signal, we treat it as a request to opt out of the sale or sharing of your personal information. We don't sell personal information or share it for targeted advertising, so the app works the same either way.
• Do Not Track. Some browsers send a "Do Not Track" signal. The app doesn't track you across other websites, so it works the same whether or not your browser sends one.

6. How long we keep information

We keep your case information and documents for 7 years after your case closes. Then we delete them.

When a case closes. Your case closes on whichever of these comes first:

• the day we mark it "Closed" (you'll see this status on your case); or
• 12 months after the last time anyone added to or changed it, such as a message, an upload or an answer to a request.

If a closed case is reopened, the 7 years start again when it closes again.

Backups. Our database provider keeps rolling backup copies for a short time (currently about 7 days), so we can recover from mistakes. Older copies roll off automatically. When a document is replaced or deleted, our document storage keeps the old version for 90 days, then removes it. So deleted information can stay in backups for a short time before it's gone for good.

When we keep information longer. We may keep some information longer if the law requires it, or if we need it to resolve a dispute, enforce our agreements, or bring or defend a legal claim.

7. How we protect your information

• Encryption. Information is encrypted while it travels between your device and the app, and while it's stored in our database and document storage.
• Scrambled secrets. Passwords, one-time email links and sign-in sessions are stored only in scrambled (hashed) form, so they can't be read even from our database. The secrets behind our staff's two-step sign-in codes are encrypted.
• Two-step sign-in for staff. Our staff must enter a code from an authenticator app as well as a password.
• Malware scanning. Every upload is scanned for viruses and malware. A file can't be downloaded until the scan finds it clean. We also check each file's real type, and each file can be up to 25 MB.
• Short-lived download links. Each download link stops working after 60 seconds.
• Access by role. People see only what their role in your claim allows (see section 4). The app checks this on our servers every time.
• Limits on repeated attempts at signing in, signing up, resetting passwords and other sensitive actions.
• Audit log. We keep a record of important actions, such as sign-ins and who viewed a case or downloaded a file. It can't be edited.
• Browser protections, such as requiring a secure connection and stopping other websites from showing the app inside their own pages.

No system is perfectly secure. We can't promise that information will never be lost, misused or changed. If you think someone has gotten into your account, contact us right away.

If there's a data breach. If a security breach affects your personal information, we will notify you, and the authorities, as the law requires.

8. Your rights and choices

We offer these rights to everyone in the United States, no matter which state you live in:

• Know and access. Ask what personal information we have about you, and get a copy of it.
• Correct. Ask us to fix information that's wrong. You can change your password in your account settings yourself. Until you submit your intake, you can also change your intake answers yourself.
• Delete. Ask us to delete your personal information.
• Get a copy to take with you. Ask for your information in a commonly used electronic format (this is sometimes called "portability"). You can also download your documents and reports from the app at any time.
• Withdraw consent. Where we rely on your consent, you can withdraw it at any time. For example, if you chose text messages, reply STOP or contact us, and we'll stop texting you.
• Opt out of sale and targeted advertising. We don't sell your information, and we don't use or share it for targeted advertising, so there is nothing to opt out of. You can still ask, and we'll confirm it in writing.
• Opt out of profiling. We don't use your information to make automated decisions about you that have legal or similarly significant effects.
• Appeal. If we turn down your request, you can appeal.

Some state laws give residents specific privacy rights. These include the laws of California, Colorado, Virginia, Connecticut, Texas and Oregon. We honor those rights for everyone.

How to ask. Email info@claimenforcer.com or call (720) 295-2039. You can also write to us at the address in section 1. Tell us what you're asking for.

Checking it's you. To protect you, we must confirm your identity before we act on a request. We'll usually ask you to write from the email address on your account, or to confirm details we already have. We won't ask for more than we need.

Authorized agents. Someone you authorize can make a request for you. We'll ask for proof, such as your signed permission. We may also ask you to confirm your identity with us directly.

Timing. We'll confirm we received your request within 10 business days. We'll respond within 45 days. If we need more time, we'll tell you why within those 45 days, and we'll take no more than 45 more days.

Appeals. If we turn down your request, reply to our decision, or email info@claimenforcer.com with "Appeal" in the subject line. We'll answer within 45 days. If we turn down your appeal, you can contact your state's attorney general.

No discrimination. We won't treat you differently, charge you a different price, or give you a lower level of service because you used your privacy rights.

About deletion. There is no delete button in the app, so our staff handle deletion requests. We'll delete what we can. We may need to keep some information, such as:

• records the law requires us to keep, such as payment and tax records;
• information we need for an open case, a pending payment, a dispute or a legal claim;
• our audit log, which can't be edited (it records activity and IP addresses, not the contents of your documents or messages);
• copies in backups, until they roll off (see section 6); and
• a record of your request, so we can show how we handled it.

If your appraiser or attorney has already downloaded or received your information, they may keep copies in their own records. Deleting your information may also mean we can no longer provide the Service to you.

9. Children and teens

The Service is not for children under 13. We don't knowingly collect personal information from children under 13. If we learn that a child under 13 has given us information, we will close any account and delete the child's information. If you think a child under 13 has given us information, please contact us.

If you are 13 to 17, or older but still under the age of majority where you live, you may use the Service only with a parent or legal guardian. The parent or guardian must agree to our Terms of Service for you (for example, by creating the account for you or by checking the box with you) and is responsible for payment. Adults, meaning people 18 or older (or the age of majority where they live, if that is higher), may use the Service on their own.

We don't sell anyone's personal information, including teens' information, or use or share it for targeted ads.

10. Where your information is stored

We keep your information in the United States. The app is hosted in the US, our database runs in a US region, and your documents are stored in Amazon's US West (Oregon) region. Some of our service providers, such as our payment, email and error-monitoring providers, may also process information outside the United States under their own safeguards. The Service is intended for people in the United States.

11. Sensitive information

Please share only what your claim needs.

• Don't upload Social Security numbers, or full credit card, debit card or bank account numbers, unless a request specifically asks for them.
• Don't upload medical records or information about injuries or health at all. The Service handles vehicle damage claims only.
• If a document shows any of this and it isn't needed, cover it up before you upload it.
• Some sensitive documents may be needed, such as your driver's license and insurance documents. We protect them as described in section 7. Only the people described in section 4 can see them.
• Information about other people. If a document includes information about someone else, such as a passenger or the other driver, share only what your claim needs.
• Limited use. We use sensitive information only to provide the Service and keep accounts secure. We don't use it to draw conclusions about you. We don't sell it, or use or share it for advertising.
• Not privileged. Messages and files in the app are not protected by attorney-client privilege. Do not share privileged or confidential attorney–client information here. Your attorney will contact you directly by email or phone.

12. Changes to this policy

We may update this policy. The effective date and version are shown at the top.

When we publish a new version, we'll ask you to review and accept it the next time you sign in or use your account, before you can continue. If you don't want to accept it, you can still contact us to use your privacy rights or to close your account. If you don't have an account, the new version applies from its effective date.

13. Contact us

For any privacy question or request, contact Claim Enforcer LLC:

• Email: info@claimenforcer.com
• Phone: (720) 295-2039
• Mail: 26719 Pleasant Park Rd, Suite 210A, Conifer, CO 80433