Acceptable Use Policy

2. Scope

This Policy governs all access to and use of HowdyNeighbor data, services, exports, APIs, dashboards, and derivative outputs.

3. Allowed Use

• Insurance marketing and prospecting
• Territory and market planning
• CRM ingestion and sales enablement workflows
• Creation of non-binding marketing estimates based exclusively on public property and neighborhood characteristics
• Lawful outbound communications compliant with TCPA, DNC, CAN-SPAM, and applicable state laws

4. Prohibited Use

• Underwriting, rating, pricing, eligibility, or insurability decisions – FCRA / State Insurance Law
• Use of personal characteristics (age, DOB, income, household composition) to modify premiums – FCRA
• Claims-propensity modeling – FCRA
• Running CLUE, Verisk, LexisNexis, or bureau data based on HowdyNeighbor outputs – FCRA
• Creation of consumer reports – FCRA
• Automated calling or texting without express consent – TCPA
• Harassment, discrimination, or harm – State/Federal law
• Resale, redistribution, or sublicensing – Contract

5. Consumer Requests

You must promptly suppress, delete, and cease use of data associated with any individual who requests removal or opt-out.

6. Enforcement

Violation of this Policy results in immediate suspension or permanent termination. HowdyNeighbor reserves the right to audit compliance and report violations to applicable carriers or regulators.