Effective Date: June 1, 2026 Last Updated: June 1, 2026

Ask An Adjuster LLC (“Ask An Adjuster,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the rights you have under U.S. federal and state law — including the Florida Digital Bill of Rights (“FDBR”), the California Consumer Privacy Act / California Privacy Rights Act (“CCPA/CPRA”), the Telephone Consumer Protection Act (“TCPA”), and the CAN-SPAM Act.

This Privacy Policy applies to askanadjuster.com and all subdomains (including app., portal., go., and members.askanadjuster.com), our client and member portals, our call/SMS/email communications, and any other services we provide that link to this Policy (collectively, the “Services”). It works together with our Terms of Use.

IMPORTANT NOTICE — MARKETING CONSENT. By submitting any form on the Website, providing your phone number or email address, accepting these Terms, or otherwise contacting us, you expressly agree and consent to be contacted by Ask An Adjuster LLC by phone call, SMS/text message, email, AI voice agent, pre-recorded voice, ringless voicemail, and automated dialing systems for marketing, promotional, transactional, and service-related purposes. Consent is not a condition of any purchase. You may opt out at any time by replying STOP to any SMS, clicking unsubscribe in any email, or contacting info@askanadjuster.com. See Section 7 below for full details.

If you do not agree with this Privacy Policy, please do not use the Services.

1. Who We Are

Ask An Adjuster LLC is a Florida-licensed public adjusting firm headquartered in Melbourne, Florida. Our designated public adjuster is Kevin Downs, Florida Public Adjuster License # D056673. We represent policyholders in property insurance claims and provide related marketing, intake, and client-management services. For purposes of CCPA/CPRA and FDBR, we are the “business” and “controller” of your personal information.

Contact for privacy questions:

Mail: Ask An Adjuster LLC, 744 North Ave, STE A, Melbourne, FL 32934

2. Information We Collect

We collect the following categories of personal information:

2.1 Information You Provide Directly

When you submit a form, request an inspection or consultation, call or text us, chat with our AI or human agents, or sign a Letter of Representation, we may collect:

  • Identifiers: name, email address, phone number, mailing address, property address, date of birth, IP address, and (where required) Social Security number for tax reporting on claim settlements.
  • Insurance and claim information: insurance carrier, policy number, claim number, date of loss, type of loss, prior claim history, and adjuster contact details.
  • Property information: photos and videos of the property and damages, repair estimates, mitigation invoices, contractor reports, and inspection findings.
  • Financial information: banking or payment information necessary to remit settlement funds, billing details, and any fees due to us.
  • Communications: the content of emails, SMS messages, voicemails, call recordings (where lawful), chat transcripts, and any documents you upload.

2.2 Information Collected Automatically

When you use the Services, we automatically collect:

  • Usage data: pages visited, time spent, referring URL, clicks, scroll depth, form interactions, and device/browser information.
  • Device data: IP address, browser type and version, operating system, device identifiers, language preference, and approximate location (city/state level) derived from IP.

Cookies and similar technologies: see Section 5 below.

2.3 Information from Third Parties

We may receive information about you from:

  • Lead and referral partners (e.g., property managers, contractors, community associations, marketing affiliates) who refer you to us with your consent.
  • Public records and insurance databases (e.g., property ownership records, FEMA loss data, weather records) used to evaluate claims.
  • Advertising and analytics providers (e.g., Google Ads, Meta/Facebook, TikTok) who share aggregated or hashed audience data.
  • Service providers (e.g., CRM, call routing, e-signature, payment processors) that pass information back to us in the course of operating the Services.

2.4 Sensitive Personal Information

In limited cases we may collect sensitive information (such as Social Security numbers for tax reporting, or financial account numbers for settlement disbursement). We use sensitive information only for the purpose for which it was provided, do not sell it, and do not use it to infer characteristics about you.

3. How We Use Your Information

We use your information for the following purposes:

  • To provide our public adjusting and claims services, including evaluating your claim, communicating with your insurance carrier, negotiating settlements, and disbursing funds.
  • To respond to your inquiries submitted through forms, phone, SMS, email, or chat — including AI-assisted intake and lead qualification.
  • To schedule and conduct inspections at the property address you provide.
  • To send transactional communications (claim status, scheduling, billing, settlement notices).
  • To send marketing communications by email, SMS, phone, or direct mail about our services and educational content — only where you’ve opted in or where allowed by law. You can opt out anytime (see Section 9).
  • To route leads to the appropriate licensed public adjuster, internal team, or affiliated service provider based on territory, claim type, and capacity.
  • To operate, secure, and improve the Services, including fraud prevention, debugging, analytics, and product development.
  • To train and operate AI features (see Section 4).
  • To advertise our services to you and similar audiences on Google, Meta/Facebook, TikTok, and other platforms.
  • To comply with legal obligations (tax reporting, licensing, regulatory inquiries, court orders, subpoenas).
  • To enforce our Terms of Use and protect our legal rights, our team, our clients, and the public.

We do not use your information to make legally significant decisions about you solely through automated processing without human review.

4. AI Features and Automated Processing

The Services include AI features such as chatbots, voice agents, intake assistants, lead qualification, claim summarization, and document analysis (“AI Features”).

When you interact with an AI Feature:

  • Your inputs (typed messages, voice recordings, uploaded photos and documents) and the AI’s outputs are stored and used to operate, secure, debug, and improve the AI Features.
  • We may share inputs and outputs with our AI vendors and model providers (such as OpenAI, Anthropic, Google, ElevenLabs, and similar) acting as our processors under contract. These providers are prohibited from using your data to train their public foundation models unless you separately consent.
  • AI outputs are reviewed by a licensed public adjuster or qualified team member before any claim decision, recommendation, or representation is made on your behalf.
  • We disclose when you are interacting with an AI agent rather than a human, as required by applicable state law.
  • AI features may be inaccurate, incomplete, or biased. Do not rely on AI outputs as legal, financial, or licensed adjusting advice without human review.

You may request to interact with a human at any time by replying “HUMAN” to any SMS, asking the chatbot to transfer you, or calling (877) 275-0275.

5. Cookies and Tracking Technologies

We and our service providers use cookies, pixels, tags, beacons, SDKs, and similar technologies. We use the following categories:

  • Strictly necessary cookies — required for the site to function (session management, security, load balancing). Cannot be disabled.
  • Performance and analytics cookies — measure traffic and improve the Services (e.g., Google Analytics 4).
  • Functional cookies — remember your preferences (language, region).
  • Advertising and targeting cookies — used by us and partners (e.g., Google Ads, Meta Pixel, TikTok Pixel) to show you relevant ads and measure ad performance.

You can manage cookie preferences through our cookie banner (where available) and through your browser settings. Disabling some cookies may limit functionality.

We honor the Global Privacy Control (GPC) signal as a valid opt-out of the “sale” or “sharing” of personal information for residents of states that recognize GPC.

6. How We Share Your Information

We share personal information only as described below. We do not sell your personal information for money. We do “share” personal information for cross-context behavioral advertising as defined by CCPA/CPRA (e.g., advertising pixels) — you can opt out (see Section 9).

We share information with:

  • Affiliated and contracted public adjusters and licensed personnel who handle your claim under our supervision.
  • Service providers and processors acting on our behalf: CRM and intake platforms (e.g., GoHighLevel), e-signature providers, call/SMS providers (e.g., Twilio), email providers, scheduling tools, cloud hosting, analytics, payment processors, accounting, and AI vendors.
  • Lead routing and territory partners who help us assign your inquiry to the right local adjuster.
  • Insurance carriers, your insurance agent, contractors, mitigation companies, engineers, and attorneys as necessary to advance and resolve your claim — only with your authorization (typically granted in your Letter of Representation).
  • Advertising and analytics platforms (e.g., Google, Meta, TikTok) using hashed identifiers and pixels to measure ad performance and reach similar audiences. This is a “share” under CCPA/CPRA.
  • Government authorities, regulators, courts, and law enforcement when required by law or to protect rights, property, or safety.
  • Successors in the event of a merger, acquisition, financing, reorganization, or sale of assets. We will notify you and post an update to this Policy.

We require our service providers and contractors to handle your information consistent with this Policy and applicable law.

7. SMS, Voice, and Phone Communications (TCPA / FTSA Disclosure)

7.1 Your Prior Express Written Consent

When you provide your telephone number through any form, phone call, chat, signed agreement, or in-person interaction, you provide your prior express written consent, as defined under 47 C.F.R. § 64.1200(f)(9), for Ask An Adjuster LLC — and no other company — to contact you at that number for any purpose, including claim inquiries, scheduling, inspections, status updates, billing, settlement notifications, marketing, and reactivation of dormant inquiries.

Your consent authorizes us to contact you by: live agent, automatic telephone dialing system (ATDS), predictive dialer, artificial or pre-recorded voice, AI voice agent, ringless voicemail, SMS/text message, MMS, RCS, email, and direct mail, even if your number is on a federal, state, or internal Do Not Call registry. This satisfies the consent requirements of the Telephone Consumer Protection Act (“TCPA”), the Florida Telephone Solicitation Act (“FTSA,” Fla. Stat. § 501.059), CAN-SPAM, and analogous state mini-TCPA laws.

7.2 Key Terms

  • Consent is not a condition of any purchase or service.
  • Sender identification. Every marketing SMS identifies “Ask An Adjuster” or “AAA” as the sender. Every pre-recorded or AI voice message identifies Ask An Adjuster LLC at the beginning of the call, as required by 47 C.F.R. § 64.1200(b).
  • Florida quiet hours. We do not place marketing calls or marketing SMS to Florida residents before 8:00 AM or after 8:00 PM Eastern Time. Transactional and service messages (claim status, appointment reminders, settlement notifications) are not subject to this restriction.
  • Message frequency varies. Typical: 2–10 messages per claim per month.
  • Message and data rates may apply. Charges imposed by your wireless carrier are your responsibility.
  • Carriers and AI vendors. Our SMS program is operated through licensed carriers (such as Twilio) under the CTIA Short Code Monitoring Handbook and 10DLC requirements. AI voice agents are operated through licensed providers (such as ElevenLabs, OpenAI, and similar) acting as our processors. Wireless carriers including AT&T, Verizon, T-Mobile, and US Cellular are not liable for delayed or undelivered messages.

7.3 No Sale or Cross-Marketing of Your Number

We do not sell, rent, lease, share, or trade your telephone number or SMS opt-in data with any third party for that third party’s independent marketing purposes. Your consent applies solely to communications from Ask An Adjuster LLC and our authorized representatives acting on our behalf. This complies with the FCC’s “one-to-one consent” expectations and CTIA messaging guidelines.

7.4 How to Opt Out (Revocation of Consent)

You may revoke your consent at any time by any reasonable method, including:

  • Reply STOP, END, CANCEL, UNSUBSCRIBE, QUIT, OPT-OUT, or REVOKE to any SMS message.
  • Reply HELP to any SMS to get support.
  • Click unsubscribe in any marketing email.
  • Email info@askanadjuster.com with the subject line “Revoke Consent.”
  • Call (877) 275-0275 and request removal.
  • Send written notice to the mailing address in Section 15.

We process opt-out requests within ten (10) business days of receipt, consistent with the FCC’s 2024 revocation ruling (FCC 24-24). Transactional and service messages tied to an active Letter of Representation, scheduled inspection, claim, or settlement may continue after you opt out of marketing, to the extent permitted by law. To stop all communications, you must also terminate your engagement agreement in writing.

7.5 Reassigned Numbers

When you provide a phone number, you confirm that you are the subscriber, customary user, or authorized user of that number. If your number is reassigned, please notify us at info@askanadjuster.com so we can update our records. Before re-engaging dormant contacts, we query the FCC Reassigned Numbers Database. Our good-faith reliance on this database is a recognized safe harbor under 47 U.S.C. § 227(b)(1)(F).

7.6 Proof of Consent

For every form submission and SMS opt-in, we record and retain evidence of your consent, including: timestamp (with time zone), IP address, user-agent string, page URL, the disclosure text shown to you at submission, your checkbox selection, the submit button label, and your session ID. We retain consent records for at least five (5) years after your last interaction with us, or longer if required by law or pending claims. These records constitute conclusive evidence of consent under the TCPA, FTSA, and federal E-SIGN Act.

7.7 Pre-Suit Notice

If you believe a call, text, voicemail, or email from Ask An Adjuster violated the TCPA, FTSA, CAN-SPAM, or a similar law, please notify us in writing at info@askanadjuster.com at least thirty (30) days before filing any claim, demand letter, or arbitration. We will investigate promptly and, where appropriate, cease communications and offer cure. This pre-suit notice requirement is set forth in § 4.7 of our Terms of Use and is a material condition precedent to any such claim.

8. Data Retention

We retain personal information only for as long as needed for the purposes described in this Policy:

Category

Retention Period

Active claim files (LOR, claim docs, settlement records)

7 years after claim closes

Lead and inquiry data (no engagement)

24 months from last contact

Marketing contact lists

Until opt-out plus 12 months suppression

Call recordings and SMS transcripts

24 months

Website analytics (Google Analytics)

14 months

Financial and tax records

7 years (IRS requirement)

Account credentials

Life of account plus 90 days

We may retain information longer where required by law, to resolve disputes, defend legal claims, or enforce our agreements. Where retention is no longer required, we delete or de-identify the information.

9. Your Privacy Rights

Depending on where you live, you may have the rights listed below. We will not discriminate against you for exercising them.

9.1 Florida (FDBR) Residents

If you are a Florida resident, you have the right to:

  • Know what categories and specific pieces of personal information we collect about you.
  • Access and obtain a copy of your personal information in a portable format.
  • Correct inaccurate personal information.
  • Delete your personal information (subject to legal exceptions).
  • Opt out of the sale of personal information, targeted advertising, and certain profiling.
  • Opt out of the collection or processing of sensitive personal information.
  • Opt out of the collection of personal information through voice or facial recognition.

9.2 California (CCPA/CPRA) Residents

If you are a California resident, you have the right to:

  • Know the categories and specific pieces of personal information we collect, the sources, the business purpose, and the third parties with whom we share it.
  • Access and obtain a copy of your personal information.
  • Correct inaccurate personal information.
  • Delete your personal information (subject to legal exceptions).
  • Opt out of the sale or sharing of personal information.
  • Limit the use and disclosure of sensitive personal information.

Non-discrimination for exercising your rights.

9.3 Other States

Residents of Colorado, Connecticut, Virginia, Utah, Oregon, Texas, Montana, Tennessee, Indiana, Delaware, New Hampshire, New Jersey, Kentucky, Minnesota, and other states with comprehensive privacy laws have similar rights. We honor verified requests under all applicable state laws.

9.4 GDPR / UK Residents

If you reside in the European Economic Area, United Kingdom, or Switzerland and your data is processed under those laws, you also have rights of access, rectification, erasure, restriction, portability, objection, and the right to withdraw consent. You have the right to lodge a complaint with a supervisory authority. Our lawful bases for processing are: performance of a contract, consent, legitimate interests (operating our business, security, fraud prevention), and legal obligations.

9.5 How to Exercise Your Rights

Submit a request by:

We will verify your identity before responding. We respond within 45 days (extendable by 45 days where allowed). You may designate an authorized agent to submit a request on your behalf with proof of authorization.

9.6 "Do Not Sell or Share My Personal Information"

To opt out of the sharing of personal information for cross-context behavioral advertising (advertising pixels), use one of the following:

  • Click “Do Not Sell or Share My Info” in our website footer.
  • Enable the Global Privacy Control (GPC) signal in your browser.

Email info@askanadjuster.com with the subject line “Do Not Sell or Share.”

10. Security

We maintain administrative, technical, and physical safeguards reasonably designed to protect personal information against loss, misuse, unauthorized access, disclosure, alteration, and destruction. These include encryption in transit (TLS), encryption at rest for sensitive data, access controls, employee training, vendor due diligence, and regular review.

No method of transmission or storage is 100% secure. In the event of a data breach affecting your personal information, we will notify you and applicable regulators as required by law (including Florida § 501.171 within 30 days where applicable).

11. Children's Privacy

The Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 in violation of the Children’s Online Privacy Protection Act (“COPPA”). The Services are also not intended for users under 18 without parental supervision. If you believe a child under 13 has provided us with personal information, please contact info@askanadjuster.com and we will delete it promptly.

12. Third-Party Sites and Services

The Services may link to third-party websites (e.g., insurance carrier portals, payment processors, social media). We are not responsible for the privacy practices or content of those sites. Review their privacy policies before providing information.

13. International Users

Ask An Adjuster operates in the United States. If you access the Services from outside the U.S., your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your jurisdiction. By using the Services, you consent to this transfer.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated Policy on this page and update the “Last Updated” date. For material changes, we will provide reasonable advance notice (such as by email or a prominent notice on the Services) before the change takes effect. Continued use of the Services after the effective date constitutes acceptance of the updated Policy.

15. Contact Us

For any questions, requests, or complaints regarding this Privacy Policy or our handling of your personal information:

Ask An Adjuster LLC

For data protection complaints, you may also contact the Florida Attorney General’s Office at myfloridalegal.com.

© 2026 Ask An Adjuster LLC. All rights reserved.

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