Introduction

Forman Pacific, LLC ("FormanPacific", "we", "us", or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our service claims management platform and related services.

We comply with the applicable United States privacy laws (including the CCPA where applicable) and adhere to the Privacy Principles set out in the Act. We are also committed to meeting international standards including the General Data Protection Regulation (GDPR) where applicable to our operations.

Information We Collect

Personal Information

We collect personal information that you provide directly to us, including:

• Identity Information: Name, date of birth, gender, identification numbers
• Contact Information: Email address, phone numbers, physical address, mailing address
• Account Information: Username, password, account preferences, communication preferences
• Financial Information: Bank account details, credit card information, payment history
• Claims Information: Claim details, policy numbers, incident reports, photographs, documentation
• Professional Information: Business name, EIN / tax ID, trade certifications, insurance details

Automatically Collected Information

When you use our platform, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages visited, features used, time spent, click patterns
• Location Information: GPS location (for emergency dispatch), IP-based location
• Communication Data: Email opens, link clicks, communication preferences

Information from Third Parties

We may receive information about you from:

• Insurance companies and brokers
• Government agencies (OSHA, DOT, state insurance regulators, etc.)
• Credit reporting agencies
• Background check providers
• Other service providers in our network

How We Use Your Information

We use the information we collect for the following purposes:

Service Delivery

• Process and manage insurance claims
• Coordinate emergency response services
• Dispatch suppliers and contractors
• Track service delivery and completion
• Process payments and invoicing

Platform Operations

• Create and manage user accounts
• Provide customer support
• Send service notifications and updates
• Improve platform functionality and user experience
• Conduct analytics and performance monitoring

Compliance and Safety

• Verify identity and conduct background checks
• Comply with legal and regulatory requirements
• Prevent fraud and unauthorized access
• Maintain platform security and integrity
• Respond to legal requests and proceedings

Communication

• Send important service updates and alerts
• Provide emergency notifications
• Send marketing communications (with consent)
• Conduct surveys and gather feedback

Legal Basis for Processing

We process your personal information based on the following legal grounds:

Information Sharing and Disclosure

We share your information only as described in this policy:

Service Providers

We share information with suppliers and contractors in our network to deliver services, including:

• Emergency response teams and contractors
• Insurance companies and claim assessors
• Payment processors and financial institutions
• Cloud storage and IT service providers
• Communications and notification services

Business Partners

• Insurance companies (for claim processing)
• Corporate clients (for service delivery)
• Government agencies (as required)
• Professional advisors (lawyers, accountants, auditors)

Legal Requirements

We may disclose information when required by law or to:

• Comply with legal processes or government requests
• Enforce our terms and conditions
• Protect rights, property, or safety
• Prevent fraud or illegal activities

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity. We will notify you of any such change and your options regarding your information.

Data Security

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction:

Technical Safeguards

• Encryption: All data encrypted in transit (TLS 1.3) and at rest (AES-256)
• Access Controls: Multi-factor authentication, role-based permissions
• Monitoring: 24/7 security monitoring and intrusion detection
• Infrastructure: ISO 27001 certified data centers
• Backup: Regular encrypted backups with disaster recovery

Organizational Measures

• Regular security training for all staff
• Strict confidentiality agreements
• Limited access on need-to-know basis
• Regular security audits and penetration testing
• Incident response procedures

Data Breach Response

In the unlikely event of a data breach that poses a risk to your rights and freedoms, we will:

• Notify affected individuals within 72 hours
• Report to the Privacy Commissioner as required
• Provide information about the breach and our response
• Offer support and guidance on protective measures

Data Retention

We retain your information only as long as necessary for the purposes outlined in this policy:

After the retention period, data is securely deleted or anonymized. Some information may be retained longer if required by law or for legitimate business purposes.

Your Privacy Rights

How to Exercise Your Rights

To exercise any of these rights, please contact our Privacy Officer:

• Email: privacy@formanpacific.com
• Contact: Contact form (online only)
• Post: Privacy Officer, Forman Pacific, LLC, Suite 305, 131 Continental Drive, Newark, DE 19713, United States

We will respond to your request within 45 days (or sooner where required by law). We may need to verify your identity before processing your request. There is no fee for most requests, but we may charge a reasonable fee for complex or repetitive requests.

International Data Transfers

Your information is primarily stored and processed in the United States. However, we may transfer information internationally in the following circumstances:

• Cloud storage providers with servers in the United States and allied jurisdictions
• International insurance companies for cross-border claims
• Global service providers (e.g., Microsoft, AWS, Google)

When we transfer information internationally, we ensure appropriate safeguards are in place:

• Data processing agreements with standard contractual clauses
• Transfers to countries with adequate privacy protections
• Binding corporate rules for internal transfers
• Your explicit consent where required

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience:

Types of Cookies We Use

Managing Cookies

You can control cookies through your browser settings or our cookie preference center. Note that disabling certain cookies may affect platform functionality.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact our Privacy Officer immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date at the top of this policy
• Sending email notification for significant changes
• Obtaining consent where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us:

Complaints

If you are not satisfied with our response to your privacy concern, you have the right to lodge a complaint with the Office of the Privacy Commissioner:

Acknowledgment and Consent

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described herein.

For certain processing activities, we may seek your explicit consent. You have the right to withdraw your consent at any time, though this may affect our ability to provide certain services to you.