Lemonade, Inc. is a publicly traded (NYSE: LMND) Delaware public benefit corporation, headquartered in New York, that sells renters, homeowners, car, pet and life insurance through an AI-driven app. Its own privacy policy discloses that, for fraud detection, it may collect and analyze browsing behavior, insurance history, images, audio and video recordings, criminal-background information, and may use or require facial recognition, biometric verification and live video identity checks; the App Store privacy label separately shows the app links Health, precise Location, Financial/Credit Info, Photos/Videos and Audio Data to a user's identity. The policy states Lemonade does not and never will sell personal information without consent and will not share it with third parties for marketing, though it discloses data to session-replay, analytics and error-monitoring vendors, reinsurers, and (for claims-reimbursement purposes) nonaffiliated third parties, and it advertises on Google and YouTube with an AdChoices opt-out. Following a May 2021 public controversy over a since-deleted tweet describing its AI as reading 'non-verbal cues,' Lemonade published its own blog post clarifying that the underlying technology is facial recognition used only to flag claims filed under duplicate identities for human review, and that AI never auto-rejects claims; no breach, FTC action or state DFS order was found in this research.
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The Lemonade Insurance app's Apple App Store privacy label discloses that data linked to the user's identity and used for 'App Functionality' includes Health, Financial Info, Credit Info, precise Location, Contact Info, Photos/Videos, and Audio Data, alongside Identifiers and Usage Data.
Lemonade's privacy policy states that to detect potential fraudulent activity, it may collect and analyze browsing behavior, property or personal insurance history, images, audio, video recordings and criminal-background information, and that to prevent account takeovers and impersonation it may use and sometimes require facial recognition, biometric verification, and live video identity validation meetings.
Lemonade, Inc.'s SEC Form 10-K cover page states the company is incorporated in Delaware, headquartered at 5 Crosby Street, New York, and that its common stock trades on the New York Stock Exchange under the ticker 'LMND'; the filing elsewhere confirms it is organized as a public benefit corporation.
Lemonade's privacy policy states in a dedicated statement that the company does not, and never will, sell personal information without the user's consent, and will not share user information with third parties for marketing or promotional purposes, while separately disclosing that it discloses personal information to service vendors, reinsurers, and nonaffiliated third parties that acquire rights to seek reimbursement for paid claims.
Following a May 2021 public controversy over a deleted tweet describing its claims AI as reading 'non-verbal cues,' Lemonade's own blog states the phrase was 'a bad choice of words' for the facial-recognition technology it uses to flag claims submitted by the same person under different identities, with flagged claims then reviewed by human investigators, and separately states AI has never been and will never be used to auto-reject claims.
Lemonade's privacy policy states that it uses cookies on its website and app, and that it 'also advertise[s] on websites such as Google, YouTube and others, and do[es its] best to present you with the most relevant ads,' with a link to opt out of advertising cookies via youradchoices.com.