Privacy Policy

Clayem, LLC

Effective as of May 18, 2026

This Privacy Policy (“Policy”) applies to Clayem, LLC (“Company,” “we,” “our,” or “us”) and describes our data collection and usage practices in connection with the Company's website at https://clayem.com and all related applications, platforms, and services (collectively, the “Platform”). The Platform provides AI-powered insurance claims advocacy and public adjuster services. By accessing or using the Platform, you acknowledge that you have read, understood, and agree to the data practices described in this Policy.

I. Collection of Your Personal Information

We collect the following categories of personal information to provide our insurance claims advocacy and public adjuster services:

A. General Personal Information

  • First and last name
  • Mailing address
  • Email address
  • Phone number

B. Sensitive Insurance and Financial Information

The following categories are classified as sensitive personal information under applicable state privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (“CCPA/CPRA”), the Virginia Consumer Data Protection Act (“VCDPA”), and the Maryland Insurance Data Security Act (“MIDSA”). We apply enhanced safeguards to this data, including encryption at rest and in transit, role-based access controls, and audit logging:

  • Insurance policy numbers and policy documents
  • Insurance claim details, including claim numbers, dates of loss, and claim status
  • Property damage documentation, including inspection reports and estimates
  • Photographs and videos of damaged property
  • Financial loss records, including receipts, invoices, and proof-of-loss documentation
  • Insurance correspondence and legal documents related to claims
  • Billing and payment information (collected only when you purchase our services)

C. Automatically Collected Information

When you use the Platform, we may automatically collect technical information such as IP address, browser type, device identifiers, pages visited, and usage patterns. This information is used for Platform security, analytics, and service improvement. The Platform does not respond to Do Not Track signals at this time because there is no industry-standard technology for recognizing or honoring such signals. If a uniform standard is adopted, we will update this Policy accordingly.

D. How We Collect Information

We collect personal information only when you voluntarily provide it, including when you: (a) register for an account; (b) submit an insurance claim for evaluation; (c) upload documents, photos, or other materials related to your claim; (d) communicate with us via email, phone, or the Platform; or (e) submit payment information when purchasing our services.

Notice Regarding Future Collection: If we determine it is necessary to collect additional categories of personal information not described in this Policy, we will update this Policy and provide you with notice before or at the point of collection, as required by applicable law.

II. Use of Your Personal Information

We collect and use your personal information for the following purposes:

A. Core Service Delivery

  • To operate and deliver the insurance claims advocacy and public adjuster services you have requested.
  • To process, evaluate, and manage insurance claims on your behalf.
  • To connect clients with licensed public adjusters.
  • To facilitate communication between clients, public adjusters, insurance carriers, and other parties involved in the claims process.
  • To verify identity, policy ownership, and claim eligibility.
  • To maintain accurate records of claim files, communications, settlement negotiations, and financial transactions.
  • To calculate and collect contingency-based fees on successful claim recoveries.

B. AI-Assisted Claim Analysis

We use artificial intelligence and machine learning tools to assist in the analysis and evaluation of your insurance claim. Specifically, our AI-assisted tools are used to:

  • Analyze policy documents to identify covered perils, policy limits, endorsements, and exclusions relevant to your claim.
  • Review damage assessments, photographs, repair estimates, and supporting documentation to evaluate the scope and value of your claim.
  • Compare claim data against historical claim outcomes and industry benchmarks to help maximize your claim recovery.
  • Generate reports and recommendations for use by our licensed public adjusters in negotiating with your insurance carrier.

Important: All AI-generated analyses are reviewed by licensed human public adjusters before any action is taken on your claim. AI tools do not make final decisions regarding your claim. AI-assisted analysis is a core component of how Clayem delivers its services; by using the Platform, you consent to the use of AI in processing your claim. For details on AI practices, your rights, and limitations, see Section XII (AI-Assisted Analysis Disclosure) below.

C. Administrative and Legal Purposes

  • To provide you with information, products, or services that you request from us.
  • To provide you with notices about your account.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
  • To notify you about changes to the Platform or any products or services we offer.
  • To maintain the security of the Platform and prevent fraud or misuse.
  • To comply with applicable laws, regulations, legal processes, or governmental requests, including state and federal insurance regulations.
  • To respond to legal process, regulatory inquiries, and consumer complaints filed with state insurance commissioners.
  • For any other purpose with your consent.

D. Marketing Communications

We may use your email address to send you information about other products or services offered by Clayem. We will not share your email address or personal information with third parties for their marketing purposes. You may opt out of marketing communications at any time as described in Section XI.

III. Sharing Information with Third Parties

The Company does not sell, rent, or lease your personal information to third parties. For purposes of the CCPA/CPRA, we do not “sell” or “share” (as those terms are defined under Cal. Civ. Code §1798.140) your personal information.

A. Sharing for Claim Processing

We share relevant personal information with the following categories of third parties solely to the extent necessary to process your insurance claim:

  • Insurance Carriers and Adjusters: We share claim-related information with your insurance company and their representatives as necessary to negotiate and settle your claim.
  • AI Service Providers: We transmit claim documents and related data to our AI model providers solely for the purpose of generating claim analysis on our behalf. These providers are contractually prohibited from retaining, training on, or using your data for any purpose other than generating the requested analysis. All data transmitted to AI providers is encrypted in transit and governed by data processing agreements.
  • Service Providers: We may share data with service providers who assist us with cloud hosting, payment processing, email delivery, and customer support. All such third parties are contractually prohibited from using your personal information except to provide services to the Company and are required to maintain the confidentiality of your information.

B. Legal and Compliance Disclosures

We may disclose your personal information, with or without prior notice to you, if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with applicable law or legal process served on the Company or the Platform; (b) protect and defend the rights or property of the Company; or (c) act under exigent circumstances to protect the personal safety of users of the Platform or the public.

C. Data Location

All personal information is stored and processed within the United States. We do not intentionally transfer your personal information outside of the United States. Our third-party service providers may maintain infrastructure in multiple U.S. regions; all such providers are bound by data processing agreements that require appropriate security measures.

IV. Your Privacy Rights Under CCPA/CPRA (California Residents)

If you are a California resident, the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (“CCPA/CPRA”), provides you with the following rights:

  • Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, our business purpose for collecting it, and the categories of third parties with whom we share it.
  • Right to Delete: You have the right to request that we delete the personal information we have collected from you, subject to certain exceptions (see Section VII).
  • Right to Correct: You have the right to request that we correct inaccurate personal information that we maintain about you.
  • Right to Opt Out of Sale/Sharing: You have the right to opt out of the “sale” or “sharing” of your personal information. We do not sell or share your personal information as those terms are defined under CCPA/CPRA.
  • Right to Limit Use of Sensitive Personal Information: You have the right to limit our use of sensitive personal information to only those uses necessary to perform our services.
  • Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.
  • Authorized Agents: You may designate an authorized agent to submit a request on your behalf. The authorized agent must provide written proof of authorization (such as a power of attorney or a signed written authorization from you). We may also require you to verify your own identity directly with us before processing the agent's request.

To exercise any of these rights, contact us at support@clayem.com. We will verify your identity before processing your request and will respond to verifiable consumer requests within 45 days, or notify you if we require an extension of up to an additional 45 days.

V. Additional State Privacy Rights

Depending on your state of residence, you may have additional privacy rights under applicable state law:

A. Virginia (VCDPA)

Virginia residents have the right to access, correct, delete, and obtain a portable copy of their personal data, and to opt out of processing for targeted advertising, data sales, or profiling that produces legal or similarly significant effects. To exercise these rights, contact support@clayem.com. If we deny your request, you may appeal by emailing support@clayem.com with the subject line “VCDPA Appeal.”

B. Texas (TDPSA)

Texas residents have the right to access, correct, delete, and obtain a portable copy of their personal data, and to opt out of targeted advertising, data sales, and profiling. To exercise these rights, contact support@clayem.com.

C. Florida (FDBR)

Florida residents have the right to access, correct, delete, and obtain a portable copy of their personal data, and to opt out of targeted advertising, data sales, and profiling. To exercise these rights, contact support@clayem.com.

D. Georgia, New York, and Washington, D.C.

While these jurisdictions may not have comprehensive consumer privacy statutes equivalent to CCPA or VCDPA at the time of this Policy, Clayem extends the following rights to all users regardless of state of residence: the right to access your personal information, the right to request correction of inaccurate information, and the right to request deletion of your personal information (subject to legal retention requirements). Contact support@clayem.com to exercise these rights.

VI. Maryland Insurance Data Security Act (MIDSA) Compliance

As a Maryland-domiciled entity that handles nonpublic personal information in connection with insurance transactions, Clayem complies with the Maryland Insurance Data Security Act (Md. Code Ann., Ins. §4–1601 et seq.). In accordance with MIDSA:

  • We maintain a comprehensive written information security program commensurate with the size, complexity, and nature of our operations.
  • We conduct periodic risk assessments to identify reasonably foreseeable threats to the security and confidentiality of nonpublic personal information.
  • We implement administrative, technical, and physical safeguards, including encryption, access controls, and personnel training.
  • We require third-party service providers that access nonpublic personal information to implement and maintain appropriate security measures.
  • In the event of a cybersecurity event, we will investigate and provide notice to affected individuals and the Maryland Insurance Commissioner within the timeframes required by MIDSA.

VII. Security of Your Personal Information

We secure your personal information from unauthorized access, use, or disclosure using the following safeguards:

  • Cloudflare web application firewall and DDoS protection
  • Encryption of data in transit (TLS/SSL) and at rest
  • Encrypted cloud database services with role-based access controls
  • Multi-factor authentication for administrative access
  • Regular security assessments and monitoring
  • Employee and contractor training on data protection obligations

We may store your data on servers provided by third-party hosting vendors within the United States. All hosting vendors are bound by data processing agreements that limit their use of your personal information and require appropriate security measures.

While we implement and maintain reasonable safeguards, no data transmission over the Internet can be guaranteed to be 100 percent secure. You acknowledge that there are inherent security and privacy limitations of the Internet that are beyond our control. This acknowledgment does not limit Clayem's obligations under MIDSA or other applicable law.

VIII. Right to Deletion

Subject to certain exceptions, on receipt of a verifiable request from you, we will delete your personal information from our records and direct any service providers to delete your personal information from their records.

We may not be able to comply with a deletion request if retention is necessary to:

  • Complete a transaction or perform a contract between you and us;
  • Detect security incidents or protect against malicious, deceptive, fraudulent, or illegal activity;
  • Debug to identify and repair errors that impair existing functionality;
  • Exercise free speech or another right provided by law;
  • Comply with the California Electronic Communications Privacy Act;
  • Comply with an existing legal obligation, including state insurance record retention requirements (see Section XIII); or
  • Otherwise use the information internally in a lawful manner compatible with the context in which you provided it.

IX. Data Security and Breach Notification

In the event of a security incident involving personal information, we will promptly investigate and provide notice to affected individuals and applicable regulatory authorities in accordance with applicable law, including:

  • The Maryland Personal Information Protection Act (Md. Code Ann., Com. Law §14–3501 et seq.)
  • MIDSA notification requirements (see Section VI)
  • The California Civil Code §1798.82 (data breach notification)
  • Applicable breach notification statutes in Florida, Texas, Georgia, New York, Virginia, and Washington, D.C.

We will provide any required notice in the manner and within the timeframes prescribed by applicable law. Where a breach originates from a third-party service provider's systems, see Section XIV.B for applicable liability limitations.

X. Right to Revoke Consent

You have the right to withdraw consent you have provided for the processing of your personal data at any time. We provide accessible mechanisms to withdraw consent that are at least as easy to use as the mechanisms by which consent was originally provided.

To exercise your right to revoke consent, contact us at support@clayem.com. Upon receipt of a valid withdrawal request, we will cease processing your personal data for the purposes based on consent as soon as practicable, but not later than 15 days after receipt, subject to applicable legal obligations. Withdrawal of consent does not affect the lawfulness of processing conducted prior to the withdrawal.

AI Processing Exception: AI-assisted analysis is a core component of Clayem's services and cannot be fully opted out of (see Section XII.D). If you withdraw consent for AI processing, we may be unable to continue providing our services to you. In such event, we will notify you of the impact on service delivery and, at your election, terminate the engagement in accordance with our Terms and Conditions. All data subject to your withdrawal will be handled in accordance with Section VIII (Deletion) and Section XIII (Data Retention).

XI. Email Communications and CAN-SPAM Compliance

We may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and other communications. In compliance with the CAN-SPAM Act (15 U.S.C. §7701 et seq.):

  • All commercial email messages will clearly identify the Company as the sender and include our valid physical mailing address.
  • No email will contain false or misleading header information or deceptive subject lines.
  • All commercial email messages will include a clear and conspicuous mechanism to opt out of future commercial email.
  • We will honor all opt-out requests within 10 business days of receipt.

To opt out of marketing communications, click the unsubscribe link in any promotional email or email support@clayem.com. Opting out of marketing emails will not affect transactional emails related to your account or active claim.

XII. AI-Assisted Analysis Disclosure

Clayem uses artificial intelligence (“AI”) and machine learning technologies as integral tools in its insurance claims advocacy services. This section provides transparency about how AI is used in connection with your personal information.

A. What AI Does

Our AI-assisted tools analyze policyholder documents—including insurance policies, damage reports, photographs, correspondence, and financial records—to identify coverage opportunities, calculate potential claim values, detect policy exclusions, and generate analytical reports that support our licensed public adjusters.

B. What Data AI Processes

AI tools may process all categories of personal information described in Section I, including sensitive insurance and financial information. Data is transmitted to AI model providers in encrypted form pursuant to data processing agreements that prohibit those providers from retaining, training on, or using your data for any purpose other than generating the requested analysis.

C. Human Oversight

AI-generated analyses serve as decision-support tools for our licensed human public adjusters. No final claim strategy, settlement recommendation, or communication with your insurance carrier is made solely by an AI system. All AI outputs are reviewed, validated, and approved by a licensed professional before being acted upon.

D. Your Rights and Limitations Regarding AI Processing

  • Right to Human Review: You may request that any AI-generated analysis of your claim be reviewed by a human professional at any time by contacting support@clayem.com.
  • Core Service Acknowledgment: AI-assisted analysis is a core component of Clayem's service platform. By using our services, you acknowledge and consent to the use of AI tools in the processing and evaluation of your claim. Because AI is integral to how we deliver our services, we are unable to offer a full opt-out of AI-assisted processing while maintaining your engagement. If you wish to withdraw consent for AI processing, see Section X for the impact on service delivery.
  • Proprietary Technology: The specific methodologies, models, algorithms, and proprietary processes used in our AI-assisted analysis constitute trade secrets and confidential business information of Clayem, LLC, protected under the Maryland Uniform Trade Secrets Act and the federal Defend Trade Secrets Act, and are not subject to disclosure.

XIII. Data Retention

Clayem retains personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law:

  • Active Claim Records: Retained for the duration of the engagement and for a minimum of seven (7) years following claim closure or settlement, in accordance with state insurance recordkeeping requirements and applicable statutes of limitation.
  • Financial and Billing Records: Retained for a minimum of seven (7) years following the transaction, in accordance with IRS recordkeeping requirements.
  • Communications and Correspondence: Retained for a minimum of five (5) years following closure of the related claim.
  • Account Information: Retained for the duration of your account and for three (3) years following account closure, unless a longer retention period is required by law.
  • AI Processing Logs: Retained for three (3) years for audit, quality assurance, and dispute resolution purposes.

Upon expiration of the applicable retention period, personal information will be securely deleted or de-identified. If you request deletion, we will comply to the extent permitted by law, subject to the retention obligations described above.

XIV. Limitation of Liability

A. Third-Party Service Provider Limitations

Clayem engages third-party service providers, including AI model providers, cloud hosting providers, and payment processors, to deliver its services. Each provider operates under its own contractual terms, including limitations on liability. Clayem's ability to recover damages from a third-party provider on your behalf is limited to the remedies available to Clayem under its agreements with that provider. Clayem shall not be liable for losses, damages, or costs that exceed the remedies contractually available from the responsible provider, except to the extent caused by Clayem's own negligence or willful misconduct.

B. Data Security Incident Limitations

In the event of a data security incident caused by or originating from a third-party service provider's systems, Clayem's liability shall be limited to: (a) providing timely notification to affected individuals and regulatory authorities as required by applicable law; (b) cooperating with affected individuals and authorities in responding to the incident; and (c) pursuing available remedies against the responsible provider where commercially reasonable. Clayem shall not be liable for indirect, incidental, consequential, or punitive damages arising from a security incident that originates from a third-party provider's systems, to the maximum extent permitted by applicable law.

C. AI-Assisted Analysis Limitations

AI-generated analyses, estimates, valuations, and recommendations are informational and advisory in nature only and do not constitute a guarantee of any particular claim outcome, settlement amount, or insurance recovery. Clayem does not warrant that AI-generated outputs will be error-free, complete, or accurate in all circumstances. Insurance claim outcomes depend on numerous factors beyond Clayem's control, including insurance carrier decisions, policy terms, and applicable law. To the maximum extent permitted by applicable law, Clayem shall not be liable for losses or damages arising from reliance on AI-generated analyses, provided that all AI outputs are subject to review by a licensed professional as described in Section XII.C.

D. General Limitation and Carve-Outs

Nothing in this section limits Clayem's liability for: (a) fraud or intentional misrepresentation; (b) gross negligence or willful misconduct; (c) obligations that cannot be limited under applicable law, including MIDSA; or (d) Clayem's duty of care as a licensed public adjuster under applicable state insurance regulations. This section supplements the limitation of liability provisions in the Terms and Conditions governing your use of the Platform.

XV. Children Under 13

The Company does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of 13, you must ask your parent or guardian for permission to use this Platform. If we become aware that we have collected personal information from a child under 13 without verified parental consent, we will take steps to delete that information promptly. If you believe we may have collected information from a child under 13, please contact us at support@clayem.com.

XVI. Changes to This Policy

We reserve the right to change this Policy from time to time. When changes are significant, we will inform you by sending an email to the primary email address associated with your account and/or by placing a prominent notice on the Platform at least 30 days before the changes take effect. Your continued use of the Platform after the effective date of modifications constitutes your acknowledgment of and agreement to the modified Policy.

XVII. Contact Information

If you have questions or comments regarding this Policy, or believe that we have not adhered to it, please contact us at:

Clayem, LLC

14425 Brookmead Dr

Germantown, Maryland 20874

Email: support@clayem.com

Phone: (202) 666-8184