Privacy Policy

01Definitions

This Data Processing Agreement ("DPA") is entered into by and between the client identified in the applicable service agreement ("Controller" or "Client") and Aiden Insurance Group, Inc., a Delaware corporation ("Processor" or "Aiden"). This DPA supplements and forms part of the Master Service Agreement or Terms of Service (the "Agreement") between the parties.

• "Personal Data" means any information relating to an identified or identifiable natural person that Processor processes on behalf of Controller in connection with the Services.
• "Processing" means any operation or set of operations performed on Personal Data, including but not limited to collection, recording, organization, structuring, storage, adaptation, alteration, retrieval, consultation, use, disclosure, dissemination, alignment, combination, restriction, erasure, or destruction.
• "Sub-Processor" means any third party engaged by Processor to process Personal Data on behalf of Controller.
• "Data Breach" means any unauthorized access, acquisition, use, or disclosure of Personal Data that compromises the security, confidentiality, or integrity of such data.
• "Applicable Data Protection Law" means all applicable laws relating to data protection and privacy, including the California Consumer Privacy Act (CCPA/CPRA), state insurance data security laws, and the Gramm-Leach-Bliley Act (GLBA), as applicable.

02Scope & Purpose of Processing

Processor shall process Personal Data only to the extent necessary to provide the insurance brokerage, risk analysis, and related services described in the Agreement. The details of Processing are as follows:

Element	Description
Subject Matter	Provision of AI-powered commercial insurance brokerage services
Duration	For the term of the Agreement plus the applicable retention period
Nature & Purpose	Insurance application processing, risk analysis, quote generation, policy binding, renewals, claims support, and compliance reporting
Categories of Data	Identity data, contact data, business data, insurance data, financial data, and communications
Categories of Data Subjects	Client employees, officers, directors, authorized representatives, and beneficiaries named in insurance applications

03Obligations of the Processor

Processor shall:

1. Process Personal Data only on documented instructions from the Controller, unless required to do so by applicable law, in which case Processor shall notify Controller of such legal requirement before processing (unless prohibited by law).
2. Ensure that all personnel authorized to process Personal Data are bound by appropriate confidentiality obligations.
3. Implement and maintain the technical and organizational security measures described in Section 04 of this DPA.
4. Assist Controller, at Controller's cost, in responding to requests from data subjects to exercise their rights under Applicable Data Protection Law.
5. Assist Controller in ensuring compliance with obligations related to security, breach notification, data protection impact assessments, and prior consultation with supervisory authorities, taking into account the nature of processing and information available to Processor.
6. Make available to Controller all information necessary to demonstrate compliance with this DPA.
7. Not process Personal Data for any purpose other than as described in this DPA and the Agreement, including not selling Personal Data or using it for Processor's own commercial purposes unrelated to the Services.

04Data Security

Processor shall implement and maintain appropriate technical and organizational measures to protect Personal Data against unauthorized or unlawful processing, accidental loss, destruction, or damage. Such measures include, at a minimum:

• Encryption of Personal Data at rest (AES-256) and in transit (TLS 1.3)
• SOC 2 Type II certified infrastructure and processes
• Multi-factor authentication and role-based access controls
• Regular vulnerability scanning and annual penetration testing by qualified third parties
• Intrusion detection and prevention systems across all network boundaries
• Centralized, immutable audit logging with a minimum 12-month retention period
• Employee security awareness training conducted quarterly
• Documented incident response procedures tested at least annually
• Business continuity and disaster recovery plans with cross-region data replication

05Sub-Processors

Controller provides general written authorization for Processor to engage Sub-Processors, subject to the following conditions:

1. Processor shall maintain a current list of Sub-Processors, available at aidenrisk.pages.dev/sub-processors or upon request.
2. Processor shall notify Controller at least thirty (30) days in advance of any intended addition or replacement of a Sub-Processor, providing Controller the opportunity to object.
3. If Controller reasonably objects to a new Sub-Processor, the parties shall work in good faith to find a mutually acceptable resolution. If no resolution is reached within 30 days, Controller may terminate the affected Services without penalty.
4. Processor shall impose data protection obligations on each Sub-Processor that are no less protective than those in this DPA, by way of a written contract.
5. Processor shall remain fully liable for the acts and omissions of its Sub-Processors.

Current Sub-Processors

Sub-Processor	Purpose	Location
Amazon Web Services (AWS)	Cloud infrastructure & data hosting	United States
Google Cloud Platform (GCP)	Cloud infrastructure & AI/ML processing	United States
Salesforce	Customer relationship management	United States
HubSpot	Marketing automation & CRM	United States
Stripe	Payment processing	United States
SendGrid (Twilio)	Transactional email delivery	United States
Mixpanel	Product analytics	United States
Google Analytics	Website analytics	United States

06Data Subject Rights

Processor shall assist Controller in fulfilling its obligations to respond to data subject requests under Applicable Data Protection Law. When Processor receives a request directly from a data subject, Processor shall promptly redirect the individual to Controller, unless otherwise instructed. Processor shall provide Controller with commercially reasonable cooperation and technical assistance to respond to verified requests, including requests for access, correction, deletion, and portability.

07Data Breach Notification

In the event of a Data Breach involving Personal Data processed under this DPA, Processor shall:

1. Notify Controller without undue delay and in no event later than 48 hours after becoming aware of the Data Breach.
2. Provide sufficient information to enable Controller to meet its obligations to report the breach to regulators and affected individuals, including:
   • The nature of the breach, including categories and approximate number of records affected
   • The likely consequences of the breach
   • The measures taken or proposed to mitigate the breach and prevent recurrence
   • A designated contact point for further information
3. Cooperate with Controller and take commercially reasonable steps to assist in the investigation, remediation, and mitigation of the Data Breach.
4. Not notify any third party of the Data Breach without Controller's prior written consent, unless required by applicable law.

08Data Transfers

Personal Data processed under this DPA is stored and processed within the United States. Processor shall not transfer Personal Data outside the United States without Controller's prior written consent. In the event that cross-border transfers become necessary, Processor shall ensure appropriate safeguards are in place as required by Applicable Data Protection Law.

09Audit Rights

Controller shall have the right to verify Processor's compliance with this DPA through the following mechanisms:

1. Audit Reports — Processor shall make available its most recent SOC 2 Type II report, penetration test summary, and other relevant compliance certifications upon Controller's written request, subject to confidentiality obligations.
2. On-Site Audits — Controller may conduct or commission an independent third-party audit of Processor's data processing facilities and procedures, upon thirty (30) days' written notice, no more than once per year, during regular business hours, and subject to reasonable confidentiality and security requirements. Controller shall bear the cost of any such audit.
3. Questionnaires — Processor shall respond to reasonable security and compliance questionnaires from Controller within fifteen (15) business days.

10Term, Termination & Data Return

This DPA shall remain in effect for the duration of the Agreement and shall automatically terminate upon termination or expiration of the Agreement, subject to the following:

• Upon termination, Processor shall, at Controller's election, return or securely delete all Personal Data within ninety (90) days, except to the extent that applicable law or insurance regulatory requirements mandate continued retention.
• Processor shall certify in writing the completion of data return or deletion upon Controller's request.
• Where regulatory retention requirements apply (including state insurance record retention laws), Processor shall continue to protect retained data in accordance with this DPA and shall delete such data at the end of the applicable retention period.

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For questions about this Data Processing Agreement, please contact us at legal@aideninsurance.com.

01Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you (whether individually or on behalf of the entity you represent, referred to as "you" or "Client") and Aiden Insurance Group, Inc., a Delaware corporation ("Aiden," "we," "us," or "our"). By accessing or using our website, platform, or services (collectively, the "Services"), you agree to be bound by these Terms.

If you are entering into these Terms on behalf of a business or other legal entity, you represent that you have the authority to bind that entity. If you do not agree to these Terms, you must not access or use the Services.

You must be at least 18 years of age to use the Services. By using the Services, you represent and warrant that you meet this age requirement.

02Description of Services

Aiden provides an AI-powered commercial insurance brokerage platform that enables businesses to:

• Obtain and compare insurance quotes from multiple carriers
• Receive AI-driven risk analysis and coverage recommendations
• Bind, manage, and renew commercial insurance policies
• Access certificates of insurance and policy documentation
• Receive ongoing risk management support and advisory services

Aiden acts as a licensed insurance broker. We do not underwrite or issue insurance policies. All policies are issued by third-party insurance carriers. Coverage is subject to the terms, conditions, and exclusions of the applicable insurance policy, not these Terms.

03User Accounts & Registration

To access certain features of the Services, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information to keep it accurate and complete
• Maintain the confidentiality of your account credentials
• Immediately notify us of any unauthorized access to or use of your account
• Accept responsibility for all activity that occurs under your account

We reserve the right to suspend or terminate accounts that contain inaccurate information, violate these Terms, or have been inactive for an extended period, upon reasonable notice.

04Permitted Use & Restrictions

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes in connection with obtaining and managing commercial insurance coverage. You agree not to:

• Use the Services for any unlawful purpose or in violation of applicable laws or regulations
• Reverse engineer, decompile, disassemble, or attempt to derive the source code or algorithms of any part of the Services
• Copy, modify, create derivative works from, or distribute any content or materials from the Services
• Use automated scripts, bots, or scraping tools to access or extract data from the Services
• Interfere with or disrupt the integrity or performance of the Services or related systems
• Provide false, misleading, or fraudulent information in any insurance application or communication
• Resell, sublicense, or provide access to the Services to any third party without our prior written consent
• Attempt to circumvent any security measures, access controls, or usage limits of the Services

05Insurance Brokerage Relationship

By using our Services to obtain insurance, you acknowledge and agree to the following:

• Broker Role — Aiden acts as your insurance broker, not as an insurance carrier, underwriter, or adjuster. We work on your behalf to find suitable coverage.
• No Guarantee of Coverage — We do not guarantee that any application will be accepted by a carrier, that coverage will be available for all risks, or that claims will be paid. All coverage decisions are made by the issuing carrier.
• Accuracy of Information — You are responsible for providing accurate and complete information in all insurance applications. Material misrepresentation may result in policy cancellation, coverage denial, or claim rejection by the carrier.
• Duty to Review — You are responsible for reviewing all policy documents, endorsements, and certificates to confirm they meet your coverage needs. You should notify us promptly of any errors or changes in your business operations that may affect coverage.
• AI Recommendations — Our AI-driven recommendations are informational tools designed to assist in coverage decisions. They do not constitute insurance advice, legal advice, or a guarantee of adequacy. We encourage you to consult with qualified professionals regarding complex risk management decisions.

06Intellectual Property

The Services, including all software, algorithms, AI models, designs, text, graphics, logos, and other content (collectively, "Aiden IP"), are the exclusive property of Aiden or its licensors and are protected by copyright, trademark, trade secret, and other intellectual property laws.

You retain ownership of all data, documents, and information you submit through the Services ("Client Data"). By submitting Client Data, you grant Aiden a limited, non-exclusive license to use, process, and store such data solely for the purposes of providing the Services, improving our AI models and algorithms (using de-identified and aggregated data only), and complying with applicable law.

07Fees & Payment

Aiden may be compensated through a combination of insurance carrier commissions, direct brokerage fees, and platform access fees. For a detailed explanation of how we are compensated, please see our Compensation Disclosure.

Any direct fees charged to you will be disclosed in advance and set forth in your service agreement. All fees are due upon receipt of invoice unless otherwise agreed in writing. Late payments may be subject to interest at the rate of 1.5% per month (or the maximum rate permitted by law, whichever is less).

08Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. AIDEN DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

AIDEN DOES NOT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. AI-GENERATED RISK ASSESSMENTS AND COVERAGE RECOMMENDATIONS ARE TOOLS TO ASSIST DECISION-MAKING AND SHOULD NOT BE RELIED UPON AS THE SOLE BASIS FOR ANY INSURANCE OR BUSINESS DECISION.

09Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

1. IN NO EVENT SHALL AIDEN, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES.
2. AIDEN'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO AIDEN IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE THOUSAND DOLLARS ($1,000).
3. AIDEN SHALL NOT BE LIABLE FOR ANY ACTS OR OMISSIONS OF INSURANCE CARRIERS, INCLUDING COVERAGE DENIALS, CLAIM REJECTIONS, POLICY CANCELLATIONS, OR CARRIER INSOLVENCY.

10Indemnification

You agree to indemnify, defend, and hold harmless Aiden and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Services in violation of these Terms
• Your breach of any representation or warranty in these Terms
• Any material misrepresentation or fraud in insurance applications submitted through the Services
• Your violation of any applicable law or regulation
• Any dispute between you and an insurance carrier regarding policy terms, coverage, or claims

11Dispute Resolution

Mandatory Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services, including the determination of the scope or applicability of this agreement to arbitrate, shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in San Francisco, California, or at such other location as mutually agreed by the parties.

The arbitrator shall have exclusive authority to resolve all disputes, including issues of arbitrability, and shall issue a written decision with findings of fact and conclusions of law. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Class Action Waiver

YOU AND AIDEN AGREE THAT ALL CLAIMS AND DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS. Neither party may participate in a class action or class-wide arbitration for any claims covered by this agreement.

12Termination

Either party may terminate the use of the Services as follows:

• By You — You may close your account and stop using the Services at any time by contacting us at legal@aideninsurance.com. Termination does not affect any active insurance policies, which will remain in force according to their terms.
• By Aiden — We may suspend or terminate your access to the Services immediately upon written notice if you breach these Terms, provide fraudulent information, or engage in conduct that could harm Aiden, other users, or insurance carriers. We may also terminate with thirty (30) days' written notice for any reason.

Upon termination, your right to use the Services ceases immediately. Sections relating to intellectual property, limitation of liability, indemnification, dispute resolution, and any other provisions that by their nature should survive, shall survive termination.

13General Provisions

• Governing Law — These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.
• Entire Agreement — These Terms, together with our Privacy Policy, DPA, and any applicable service agreement, constitute the entire agreement between you and Aiden regarding the Services.
• Severability — If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver — No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term.
• Assignment — You may not assign these Terms without our prior written consent. Aiden may assign its rights and obligations under these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.
• Force Majeure — Aiden shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including natural disasters, acts of government, pandemic, labor disputes, or infrastructure failures.
• Notices — All legal notices must be sent in writing to legal@aideninsurance.com or to our principal office address.

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14Contact

For questions about these Terms of Service, please contact:

Aiden Insurance Group, Inc.
Attn: Legal Department
535 Mission St, 14th Floor
San Francisco, CA 94105
Email: legal@aideninsurance.com

01Introduction & Consent

This Electronic Signature Disclosure and Consent ("E-Sign Disclosure") describes how Aiden Insurance Group, Inc. ("Aiden") uses electronic signatures and records in connection with our insurance brokerage services. This disclosure is provided in accordance with the Electronic Signatures in Global and National Commerce Act ("ESIGN Act," 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act ("UETA") as adopted by applicable states.

By clicking "I Agree," "Accept," or similar affirmative action when presented with this disclosure, you consent to:

• Conducting transactions with Aiden electronically
• Receiving documents and disclosures in electronic form
• Using electronic signatures to sign documents in connection with our Services
• The legal validity and enforceability of electronic signatures and records

02Scope of Electronic Transactions

Your consent applies to all records and documents related to your use of our Services, including but not limited to:

• Insurance applications — Commercial insurance applications, supplemental questionnaires, and risk assessment forms
• Policy documents — Binders, declarations pages, endorsements, and certificates of insurance
• Brokerage agreements — Broker-of-record letters, broker appointment forms, and service agreements
• Compliance documents — Compensation disclosures, privacy acknowledgments, and regulatory filings
• Claims documents — First notice of loss forms, claims acknowledgments, and subrogation agreements
• Account management — Account registration, billing authorizations, payment confirmations, and account changes
• Communications — Policy renewal reminders, coverage change confirmations, and service notifications

03Hardware & Software Requirements

To access, view, and retain electronic documents and signatures, you will need the following:

Requirement	Specification
Operating System	Windows 10+, macOS 11+, iOS 15+, Android 10+, or ChromeOS
Web Browser	Latest two major versions of Chrome, Firefox, Safari, or Edge
Internet Connection	Broadband connection (minimum 1 Mbps recommended)
Screen Resolution	Minimum 1024×768 (desktop) or 375×667 (mobile)
PDF Viewer	Adobe Acrobat Reader or equivalent PDF viewer for document downloads
Email	Valid email account capable of receiving attachments up to 10 MB
Storage	Sufficient local storage to save and retain electronic records

If our system requirements change in a way that creates a material risk you will not be able to access or retain electronic records, we will notify you and provide you the opportunity to withdraw consent without charge.

04How to Sign Electronically

When a document requires your electronic signature through our platform, you will be presented with the document for review along with a clear indication of where your signature is required. You may sign by:

• Clicking an "I Agree," "Sign," or similar button
• Drawing your signature using a mouse, touchpad, or touchscreen
• Typing your name in a designated signature field
• Applying a pre-saved signature from your account profile

Each electronic signature will be associated with a timestamp, your IP address, and your authenticated account identity. A completed copy of the signed document will be made available in your account and sent to the email address on file.

05Withdrawing Consent

You may withdraw your consent to receive electronic records and use electronic signatures at any time by contacting us at legal@aideninsurance.com or by calling (916) 860-2125. Please note:

• Withdrawal of consent will not affect the legal validity of any electronic signatures or records created prior to withdrawal.
• Withdrawal may require us to process certain transactions using paper documents, which may result in delays and additional processing fees (if applicable, such fees will be disclosed to you before they are charged).
• Some features of our platform may become unavailable if you withdraw consent, as they require electronic document execution.
• Withdrawal does not affect your active insurance policies, which will remain in force according to their terms.

06Requesting Paper Copies

You have the right to request a paper copy of any electronic record or document at any time. To request paper copies, contact us at legal@aideninsurance.com. Paper copies will be mailed to the address on file within ten (10) business days. There is no charge for paper copies of insurance-related documents. Administrative documents may be subject to a reasonable processing fee, which will be disclosed before fulfillment.

07Updating Your Contact Information

It is your responsibility to keep your email address and contact information current. Electronic records and notifications will be delivered to the email address associated with your account. To update your information, you may:

• Update your profile settings in the Aiden platform
• Contact us at legal@aideninsurance.com
• Call us at (916) 860-2125

We are not responsible for documents or notifications that fail to reach you due to outdated contact information.

08Legal Effect & Enforceability

Under the ESIGN Act and applicable state UETA laws, electronic signatures and records carry the same legal weight and enforceability as handwritten signatures and paper documents. A contract or record may not be denied legal effect solely because it is in electronic form. Your electronic signature on any document will be legally binding and enforceable to the same extent as an original ink signature.

Certain documents may be excluded from electronic execution under applicable law, including but not limited to: wills, codicils, and testamentary trusts; documents governed by the Uniform Commercial Code (other than Sections 1-107 and 1-206); court orders and notices; and cancellation of utility services. If any document falls under such an exclusion, we will provide alternative execution methods.

09Record Retention

We recommend that you print or download a copy of all electronically signed documents for your records. Electronic copies of all signed documents will remain available in your Aiden account for the duration of your client relationship and in accordance with our data retention policies. After account closure, we retain insurance-related records for a minimum of seven (7) years in accordance with applicable regulatory requirements.

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10Contact Us

For questions about this E-Signature Disclosure or to request assistance with electronic documents:

Aiden Insurance Group, Inc.
535 Mission St, 14th Floor
San Francisco, CA 94105
Email: legal@aideninsurance.com
Phone: (916) 860-2125

01What Are Cookies

Cookies are small text files that are stored on your device (computer, tablet, or smartphone) when you visit a website. They are widely used to make websites work more efficiently, provide a better user experience, and supply information to site owners. In addition to cookies, we may use similar technologies such as pixel tags (also known as web beacons), local storage, and device fingerprinting (collectively referred to as "Cookies" in this policy).

Cookies can be "first-party" (set by us directly) or "third-party" (set by our partners and service providers). They can also be "session" cookies (deleted when you close your browser) or "persistent" cookies (remaining on your device for a set period or until you delete them).

02How We Use Cookies

We use Cookies for the following general purposes:

• Essential Operations — Enabling core functionality such as user authentication, session management, security features, and load balancing
• Preferences — Remembering your settings, language preferences, and display customizations
• Analytics & Performance — Understanding how visitors interact with our website, identifying popular content and features, and measuring the effectiveness of our platform
• Marketing — Delivering relevant content and measuring the effectiveness of our marketing campaigns

03Types of Cookies We Use

Category	Purpose	Duration
Strictly Necessary	Authentication, session management, CSRF protection, security. These cannot be disabled as they are essential for the site to function.	Session to 1 year
Functional	Remembering preferences, display settings, and recently viewed items. These enhance your experience but are not strictly required.	Up to 1 year
Analytics	Google Analytics and Mixpanel tracking for page views, user flows, feature usage, and performance metrics. Data is aggregated and anonymized where possible.	Up to 2 years
Marketing	Tracking the effectiveness of our marketing efforts, attribution, and conversion measurement. We do not serve targeted advertising based on browsing behavior across other sites.	Up to 1 year

04Third-Party Cookies

The following third-party services may set cookies on your device when you use our Services:

Provider	Purpose	Privacy Policy
Google Analytics	Website analytics and usage tracking	Google Privacy Policy
Mixpanel	Product analytics and user behavior	Mixpanel Privacy Policy
HubSpot	Marketing analytics and form tracking	HubSpot Privacy Policy
Stripe	Payment processing (on payment pages only)	Stripe Privacy Policy

We do not control third-party cookies and encourage you to review the privacy policies linked above for information on how these providers handle your data.

05Managing Your Cookie Preferences

You can control and manage cookies in several ways:

• Cookie consent banner — When you first visit our site, you can choose which categories of optional cookies to accept or decline through our cookie consent banner.
• Browser settings — Most browsers allow you to block or delete cookies through their settings. Note that blocking all cookies may impair the functionality of our Services, particularly authentication and session management.
• Opt-out links — You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.

06Do Not Track Signals

Some web browsers transmit "Do Not Track" (DNT) signals. There is currently no universally accepted standard for how companies should respond to DNT signals. At this time, we do not respond to DNT signals, but we do limit our use of tracking to the purposes described in this policy. We will update this section if a uniform standard is established.

07Changes to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or applicable laws. We will post the updated policy on this page and update the "Last Updated" date. If we make material changes, we will reset your cookie preferences so that you can make an informed choice.

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08Contact Us

For questions about our use of cookies:

Aiden Insurance Group, Inc.
535 Mission St, 14th Floor
San Francisco, CA 94105
Email: privacy@aideninsurance.com

01Our Role as Your Broker

Aiden Insurance Group, Inc. ("Aiden") is a licensed insurance broker operating across all 50 states and the District of Columbia. As your broker, we act on your behalf to identify, recommend, and place commercial insurance coverage that meets your business needs. We are not an insurance carrier or underwriter — we do not issue policies or assume risk.

Transparency is a core value of our business. This Compensation Disclosure explains how Aiden is compensated for the services we provide, consistent with our obligations under state insurance regulations and our commitment to operating in your best interest.

02Overview of Compensation

Aiden may receive compensation through one or more of the following methods:

1. Commissions — Paid by insurance carriers when we place or renew a policy on your behalf
2. Direct Brokerage Fees — Fees charged to you for specific services, disclosed in advance
3. Platform & Technology Fees — Subscription or access fees for use of our AI-powered platform
4. Contingent Compensation — Performance-based compensation from carriers tied to volume, profitability, or growth targets

Not all forms of compensation apply to every client relationship. Your specific fee structure will be set forth in your service agreement.

03Commissions from Insurance Carriers

When we place or renew an insurance policy on your behalf, the insurance carrier typically pays Aiden a commission. This is the most common form of broker compensation in the insurance industry.

• Commissions are typically 5–20% of the policy premium, depending on the line of business, carrier, and policy type.
• Commissions are built into the premium you pay — you do not pay them separately. The premium amount would generally be the same whether you purchased the policy through a broker or directly from the carrier.
• Commission rates may vary by carrier for the same type of coverage. However, our recommendations are based on overall coverage quality, terms, pricing, carrier financial strength, and fit for your business — not on commission rates.
• Commissions are typically earned upon policy inception and may be paid on a recurring basis upon renewal.

04Direct Brokerage Fees

In some cases, Aiden may charge direct fees for specific brokerage services. These may include:

• Brokerage service fees — For complex or non-standard placement work that requires significant additional time and resources beyond standard brokerage services
• Policy service fees — For administrative services such as certificate issuance, endorsement processing, or policy audit support
• Consulting fees — For risk management consulting, insurance program design, or loss control advisory services that go beyond standard brokerage

All direct fees will be disclosed to you in writing before they are incurred. You will have the opportunity to approve or decline fee-based services. Direct fees are separate from and in addition to any commissions we receive from carriers.

05Platform & Technology Fees

Aiden may charge fees for access to our AI-powered insurance platform, which provides tools for risk analysis, coverage comparison, policy management, certificate issuance, and renewal management. Platform fees, if applicable, will be set forth in your service agreement and may be structured as:

• Monthly or annual subscription fees
• Per-transaction fees for specific platform actions
• Tiered pricing based on the number of policies, users, or features

Platform fees are independent of insurance premiums and commissions.

06Contingent Compensation & Volume Bonuses

Aiden may receive contingent compensation from certain insurance carriers. This compensation is not guaranteed and is typically based on factors such as:

• Volume — Total premium volume placed with a specific carrier over a defined period
• Profitability — The loss ratio (claims paid vs. premiums earned) of the book of business placed with the carrier
• Growth — Year-over-year premium growth with the carrier

Contingent compensation arrangements are common in the insurance industry and are paid by carriers — not by you. These arrangements do not obligate us to place any specific policy or volume with any carrier.

Our fiduciary duty is to you, our client. We are committed to recommending coverage based on your needs, not on the compensation we may receive. If a contingent compensation arrangement could materially influence our recommendation in a specific situation, we will disclose that to you.

07How Compensation May Affect Recommendations

We want to be transparent about the potential for conflicts of interest. While compensation structures could theoretically create incentives, we mitigate this through the following practices:

• Multi-carrier approach — We maintain appointments with a broad panel of carriers and are not captive to any single insurer.
• AI-driven analysis — Our recommendation engine evaluates coverage on objective criteria including policy terms, exclusions, pricing, carrier financial ratings, and claims service — not commission rates.
• Disclosure — We will disclose, upon your request, the commission or compensation we expect to receive in connection with any specific policy recommendation.
• Best interest standard — We operate under a best interest standard and will always prioritize coverage quality and suitability for your business.

08Your Right to Information

You have the right to:

• Request a detailed breakdown of the compensation Aiden will receive in connection with any specific policy or recommendation
• Ask questions about how compensation structures may affect our recommendations
• Request information about any contingent compensation arrangements with carriers for which we are placing your business
• Receive this information in writing within ten (10) business days of your request

To exercise these rights, contact us at legal@aideninsurance.com or speak with your dedicated account representative.

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09Contact Us

For questions about our compensation practices:

Aiden Insurance Group, Inc.
535 Mission St, 14th Floor
San Francisco, CA 94105
Email: legal@aideninsurance.com
Phone: (916) 860-2125

01Our Commitment

Aiden Insurance Group, Inc. ("Aiden") is committed to ensuring that our website and AI-powered insurance platform are accessible to all users, including people with disabilities. We believe that every business owner deserves equal access to commercial insurance tools and resources, regardless of ability.

We strive to provide a positive experience for all users and are continually improving our platform to promote accessibility and inclusion. This Accessibility Statement outlines our ongoing efforts and the standards we follow.

02Conformance Standard

Aiden targets conformance with the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, published by the World Wide Web Consortium (W3C) Web Accessibility Initiative (WAI). WCAG 2.1 AA is the widely recognized standard for web accessibility and addresses a broad range of accessibility requirements for web content.

These guidelines define requirements across four core principles — content must be:

• Perceivable — Information and interface components must be presentable to users in ways they can perceive (e.g., text alternatives for images, captions for video, sufficient color contrast).
• Operable — Interface components and navigation must be operable by all users (e.g., keyboard navigation, no time-limited interactions, seizure-safe design).
• Understandable — Information and interface operation must be understandable (e.g., readable text, predictable behavior, error identification and suggestions).
• Robust — Content must be robust enough to be interpreted reliably by a wide variety of user agents, including assistive technologies.

We also strive to comply with applicable provisions of the Americans with Disabilities Act (ADA) Title III, California's Unruh Civil Rights Act, and Section 508 of the Rehabilitation Act where applicable.

03Measures We Take

To ensure and maintain accessibility, Aiden takes the following measures:

• Accessibility in development — We incorporate accessibility requirements into our design system, component library, and development workflow from the outset, not as an afterthought.
• Automated testing — We use automated accessibility testing tools as part of our continuous integration pipeline to catch common issues before code is deployed.
• Manual testing — We conduct regular manual accessibility audits using screen readers, keyboard-only navigation, and other assistive technologies to identify issues that automated tools cannot detect.
• Third-party audits — We engage independent accessibility consultants to conduct periodic comprehensive audits of our platform against WCAG 2.1 AA criteria.
• Staff training — Our design and engineering teams receive accessibility training to ensure awareness and competence in building accessible features.
• Feedback integration — We actively incorporate accessibility feedback from users into our product roadmap and prioritize remediation of reported barriers.

04Assistive Technologies Supported

Our platform is designed and tested to work with the following assistive technologies:

Technology	Platforms
JAWS (Job Access With Speech)	Windows + Chrome, Edge
NVDA (NonVisual Desktop Access)	Windows + Chrome, Firefox
VoiceOver	macOS + Safari; iOS + Safari
TalkBack	Android + Chrome
Dragon NaturallySpeaking	Windows (voice navigation)
Keyboard-only navigation	All platforms
Browser zoom (up to 200%)	All modern browsers

05Known Limitations

While we strive for comprehensive accessibility, certain areas of our platform may have limitations:

• Third-party content — Some documents provided by insurance carriers (policy forms, endorsements) are delivered as PDF files that we do not control and that may not be fully accessible. When possible, we provide text alternatives or offer to assist in reviewing these documents.
• Interactive data visualizations — Some charts and interactive risk analysis visualizations may have limited accessibility. We provide equivalent data in tabular format as an alternative.
• Legacy documents — Older documents uploaded to the platform before our current accessibility standards were implemented may not meet all WCAG criteria.

We are actively working to address these limitations. If you encounter an accessibility barrier, please report it using the contact information below and we will work to provide an alternative or remediation.

06Feedback & Accommodation Requests

We welcome feedback on the accessibility of our Services. If you experience an accessibility barrier, need content in an alternative format, or have suggestions for improvement, please contact us:

Aiden Insurance Group, Inc.
Attn: Accessibility Team
535 Mission St, 14th Floor
San Francisco, CA 94105
Email: accessibility@aideninsurance.com
Phone: (916) 860-2125

We commit to the following response times:

• Acknowledgment — Within two (2) business days of receiving your feedback
• Alternative access — We will provide an alternative means of accessing the content or completing the task within five (5) business days
• Remediation — For identified WCAG conformance issues, we will include a fix in our next product release cycle (typically within 30 days) or provide a timeline for resolution

07Enforcement & Complaints

If you are not satisfied with our response to your accessibility concern, you may file a complaint with:

• The U.S. Department of Justice, which enforces the Americans with Disabilities Act — File an ADA Complaint
• The California Department of Fair Employment and Housing (DFEH) for complaints under the Unruh Civil Rights Act — File a Complaint

We are committed to resolving accessibility issues promptly and cooperatively. We encourage you to contact us first so we have the opportunity to address your concern directly.

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This Accessibility Statement was last reviewed and updated on February 19, 2026.