Privacy Policy

1. Introduction

Metro Point Technology LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Software as a Service (SaaS) products, including AMS-App (insurance agency management system) and related services (collectively, the "Services").

Contact Information:

• Email: Support@MetroPointTech.com
• Address: Southwest Florida, United States

2. Information We Collect

2.1 Information You Provide Directly

• Account Information: Name, email address, company name, phone number, billing address
• Profile Information: User preferences, settings, and profile details
• Business Data: Information you upload, store, or process through our Services, including client records, policy information, commission data, and other business-related content
• Communications: Messages sent through our support channels, feedback forms, or customer service interactions

2.2 Information Collected Automatically

• Usage Data: How you interact with our Services, features used, time spent, click patterns
• Device Information: IP address, browser type, operating system, device identifiers
• Log Data: Server logs, error reports, API calls, system performance metrics
• Location Data: General geographic location based on IP address (not precise location tracking)

2.3 Cookies and Similar Technologies

We use cookies, web beacons, and similar technologies to:

• Maintain your session and authentication
• Remember your preferences and settings
• Analyze usage patterns and improve our Services
• Provide security features and prevent fraud

Cookie Types:

• Essential Cookies: Required for basic functionality
• Performance Cookies: Help us understand how you use our Services
• Functional Cookies: Remember your preferences and settings

3. How We Use Your Information

We use collected information to:

• Provide Services: Deliver, maintain, and improve our SaaS products
• Account Management: Create and manage your account, process subscriptions
• Customer Support: Respond to inquiries, provide technical assistance
• Communication: Send service updates, security alerts, administrative messages
• Analytics: Analyze usage patterns to improve our Services
• Security: Protect against fraud, unauthorized access, and security threats
• Legal Compliance: Comply with applicable laws and regulations

4. Data Storage and Security

4.1 Data Storage

• Cloud Infrastructure: We use industry-standard cloud providers with robust security measures
• Data Centers: Located in the United States with SOC 2 compliance
• Encryption: Data is encrypted both in transit (TLS 1.2+) and at rest (AES-256)
• Backups: Regular automated backups with secure storage and retention policies

4.2 Security Measures

• Multi-factor authentication options
• Regular security audits and penetration testing
• Employee access controls and training
• Incident response procedures
• Compliance with industry security standards

4.3 Data Retention

• Account Data: Retained while your account is active
• Business Data: Retained according to your subscription terms
• Log Data: Typically retained for 12 months for security and analytics purposes
• Deleted Data: Securely deleted within 30 days of account termination (unless required by law)

5. Information Sharing and Disclosure

5.1 We Do Not Sell Your Personal Information

Metro Point Technology does not sell, rent, or trade your personal information to third parties for monetary consideration.

5.2 Limited Sharing Scenarios

We may share information only in the following circumstances:

Service Providers

• Cloud hosting providers (AWS, Google Cloud, etc.)
• Payment processors (Stripe, etc.)
• Email service providers
• Analytics and monitoring tools

Legal Requirements

• Compliance with subpoenas or legal process
• Protection of our rights and property
• Prevention of fraud or security threats
• Public safety requirements

Business Transfers

In the event of merger, acquisition, or sale of assets (with advance notice to users).

6. Your Rights and Choices

6.1 Access and Control

• Account Access: View and update your account information through our Services
• Data Export: Request a copy of your data in a portable format
• Data Correction: Update or correct inaccurate personal information
• Data Deletion: Request deletion of your personal information (subject to legal requirements)

6.2 Communication Preferences

• Marketing Emails: Opt-out of promotional communications (service emails may continue)
• Notifications: Control in-app and email notifications through your settings

6.3 Cookie Controls

• Browser Settings: Disable cookies through your browser (may affect functionality)
• Opt-Out: Use browser-based opt-out tools for analytics cookies

7. Third-Party Services

Our Services may integrate with third-party applications and services. This Privacy Policy does not apply to third-party services. We encourage you to review their privacy policies before connecting or sharing information.

Common Integrations:

• Email providers (Outlook, Gmail)
• Insurance carrier systems
• Accounting software
• CRM platforms

8. International Users

Our Services are primarily designed for users in the United States. If you access our Services from outside the U.S., your information may be transferred to and processed in the United States, where our servers are located and our central database is operated.

9. Children's Privacy

Our Services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that we have collected information from a child under 13, we will promptly delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. We will:

• Post the updated policy on our website
• Notify you of material changes via email or through our Services
• Update the "Last Updated" date at the top of this policy

Continued use of our Services after changes constitute acceptance of the updated policy.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect and how it's used
• Right to delete personal information (with certain exceptions)
• Right to opt-out of the sale of personal information (we don't sell your information)
• Right to non-discrimination for exercising your privacy rights

To exercise these rights, contact us at Support@MetroPointTech.com.

12. Contact Us

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

Metro Point Technology LLC

Email: Support@MetroPointTech.com

Subject Line: "Privacy Policy Inquiry"

We will respond to privacy-related inquiries within 30 days.