Privacy Policy

This Privacy Policy describes how Life Sciences Liability ("we," "us," "our") collects, uses, and protects information when you visit lifesciencesliability.com (the "Site") or use any tool we make available through the Site, including the Free Insurance Requirements Analyzer.

Information we collect

Information you provide. When you request a coverage review, run the analyzer, or otherwise contact us, you may provide your name, work email, company, role, sub-vertical, and other information about your insurance program and contract requirements. You may also tell us about your current insurance, sponsor MSA terms, and similar.

Information collected automatically. When you visit the Site, we (and our service providers) automatically collect certain information, including IP address, browser type, device type, pages viewed, time on page, referring URL, and similar usage data. We use Google Analytics 4 and Microsoft Clarity for this purpose. We do not knowingly collect personal information from children under 18.

Cookies and similar technologies. We use cookies and similar technologies for analytics, performance measurement, and user experience purposes. You can control cookies through your browser settings; doing so may limit some Site functionality.

How we use information

We use information you provide and information collected automatically to:

• Respond to your coverage review request or other inquiry;
• Translate and analyze the insurance language in contracts you ask us to review;
• Provide the analyzer and other tools available on the Site;
• Measure and improve Site performance, content, and user experience;
• Comply with applicable law, including regulatory and licensing obligations.

How we share information

We do not sell your personal information. We do not rent, trade, or share information with third parties for their own direct marketing purposes. We may share information:

• With service providers acting on our behalf (analytics, form processing, hosting) subject to confidentiality obligations;
• With insurance carriers and underwriters for the purpose of fulfilling a coverage review or quote request you initiate;
• If required by law, court order, or regulatory request, or to protect the rights, property, or safety of any person;
• In connection with a business transaction such as a sale, merger, or restructuring, in which case information would be transferred subject to standard confidentiality protections.

Data retention

We retain information you provide for as long as reasonably necessary to fulfill the purposes for which it was collected, comply with our legal and regulatory obligations, and where appropriate to establish, exercise, or defend legal claims. Usage data is retained according to the retention settings of our analytics service providers.

Your rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict processing of your personal information, and to opt out of certain uses. To exercise these rights, contact us through the Site\'s contact form. Texas residents have rights under the Texas Data Privacy and Security Act (TDPSA). California residents have rights under the California Consumer Privacy Act (CCPA/CPRA). Massachusetts and other state residents may have similar rights under applicable state law.

We will respond to verifiable rights requests within the time periods required by applicable law.

Security

We maintain administrative, technical, and physical safeguards designed to protect personal information. No security measures are perfect, and we cannot guarantee absolute security of any information you provide.

Children

The Site is intended for use by business users acting on behalf of life-sciences operators. We do not direct the Site to children and do not knowingly collect personal information from children under 18.

Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be reflected in the "Effective" date above. Continued use of the Site after changes constitutes acceptance.

Contact

Questions about this Privacy Policy or our information practices can be directed to us through the Site\'s contact form on the home page.