Privacy Policy

APX Intelligence, Inc. ("APX," "we," "us," or "our") operates the APX Intelligence platform, including our website at apxintelligence.com and all related services (collectively, the "Services"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Services.

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Services.

1. Information We Collect

Personal Information

When you create an account or use our Services, we may collect:

• Name, email address, and phone number
• Company or agency name and business address
• National Producer Number (NPN) and applicable state licenses
• Billing and payment information (processed by our third-party payment processor)
• Profile information such as your role and carrier appointments

Commission and Financial Data

To provide our commission intelligence services, we process:

• Carrier commission statements you upload to the platform
• Commission transaction records, including amounts, dates, policy numbers, and carrier identifiers
• Chargeback and adjustment records
• Reconciliation data generated by our system

Usage Data

We automatically collect information about how you interact with our Services:

• Log data (IP address, browser type, operating system, referring URLs)
• Device information and unique device identifiers
• Pages visited, features used, and actions taken within the platform
• Queries submitted to our AI-powered features

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Services, including commission parsing, reconciliation, and discrepancy detection
• Process and analyze carrier statements you upload
• Power AI-driven features, including conversational queries and automated insights
• Send you transaction alerts, reconciliation reports, and service notifications
• Process payments and manage your subscription
• Respond to your requests, comments, and questions
• Monitor and analyze usage patterns to improve user experience
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations and enforce our terms

3. Data Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

Service Providers

We engage trusted third-party companies to perform services on our behalf, including cloud hosting, payment processing, analytics, and customer support. These providers have access to your information only as necessary to perform their functions and are obligated to protect it.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).

Business Transfers

If APX is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control.

With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

4. Data Security

We implement industry-standard technical and organizational measures to protect your information, including:

• Encryption of data in transit (TLS 1.3) and at rest (AES-256)
• Access controls and authentication mechanisms
• Regular security assessments and penetration testing
• SOC 2 Type II compliance procedures
• Employee security training and background checks

While we strive to protect your information, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you Services. Commission data and reconciliation records are retained for the duration of your subscription plus 90 days following account closure, unless you request earlier deletion. We may retain certain information as required by law or for legitimate business purposes, including fraud prevention and dispute resolution.

6. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Portability: Request a machine-readable copy of your data
• Opt-out: Unsubscribe from marketing communications at any time
• Restrict Processing: Request that we limit the processing of your personal information

To exercise any of these rights, please contact us at privacy@apxintelligence.com.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect usage data and improve our Services. These include:

• Essential cookies: Required for the platform to function properly
• Analytics cookies: Help us understand how users interact with our Services
• Preference cookies: Remember your settings and preferences

You can control cookie preferences through your browser settings. Disabling certain cookies may limit your ability to use some features of our Services.

8. Third-Party Services

Our Services may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any information.

9. Children's Privacy

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

10. International Data Transfers

Your information may be transferred to and processed in the United States or other countries where our service providers operate. We ensure appropriate safeguards are in place to protect your information in compliance with applicable data protection laws.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. As stated above, we do not sell your personal information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the effective date. Your continued use of the Services after any changes constitutes your acceptance of the updated policy.

13. Contact Us

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