Privacy Policy

Last updated: 7 October 2026

This Privacy Policy explains how IDA handles your personal data when you use the IDA app and website (together, "IDA"). IDA is a brand of ScalarRatio LLC ("we", "us", "our"). We are the controller of your personal data.

If you have a question about this policy or your data, please contact us.

1. Who we are

ScalarRatio LLC, 75 E 3rd St, Sheridan, WY 82801, United States. A limited liability company formed in the State of Wyoming.

2. The short version

• You upload your insurance documents so IDA can explain them to you. That is what we use them for.

• Your documents and our AI processing stay in the European Union.

• We never send the contents of your documents, your questions or IDA's answers to any advertising or measurement provider.

• We do not sell your personal data for money.

• We do not use your documents to train AI models, and our AI providers are contractually not allowed to either.

• If you agree, we measure which advert brought you to IDA. This is off until you say yes, and you can change your mind at any time.

• Your data goes to an insurance comparison partner only when you choose to use that feature.

• You can delete your documents or your whole account at any time.

3. What data we collect

Data you give us

• Account data: your email address and login details, and any profile details you choose to add.

• Documents: the insurance documents you upload, such as policies, policy schedules and terms and conditions. These may contain your name, address, date of birth, policy numbers, details about your home, car or travel, and the people covered by the policy.

• Questions and conversations: the questions you ask IDA and the answers IDA gives.

• Messages to us: what you send us through our contact page.

• Newsletter: your email address, if you sign up for updates.

Data collected automatically

• Technical and usage data: device type, operating system, app version, language, crash reports and how you use app features.

• Website data: cookies and similar technologies, as described in our Cookie Policy. Analytics and marketing cookies are only used with your consent.

Advertising and attribution data (app only)

If you agree, the IDA app collects data that tells us which advert or campaign led you to install it, and which actions you took afterwards:

• Advertising identifier: the Advertising Identifier (IDFA) on iPhone and iPad, or the Google Advertising ID on Android.

• App identifier: an identifier for our app on your device — the Identifier for Vendors on Apple devices, or the App Set ID on Android.

• Device and network data: IP address, device model, manufacturer and brand, operating system version, screen size, language, country, time zone, mobile network and connection type.

• Campaign data: the advert, campaign, ad network or link you arrived from.

• App events: for example installing the app, creating an account, uploading your first document or starting a subscription. These record that an action happened, not what was in it.

We never send the contents of your insurance documents, your questions or IDA's answers to any advertising or measurement provider. See section 7 for how this works and how to turn it off.

Data from app stores

If you buy a subscription, Apple or Google processes the payment. We receive your subscription status (for example active, renewed or cancelled). We never receive your card or bank details.

Apple and Google also operate their own privacy-preserving advertising measurement systems, which send our advertising partners aggregated reports about installs without identifying you individually. These are run by Apple and Google, not by us.

Health and other sensitive information

Some insurance documents, such as life or travel insurance, can contain information about your health. We do not ask for this information and do not use it for any purpose other than explaining your document to you. Before you upload a document, we ask for your explicit consent to process any sensitive information it may contain. If you prefer, you can remove or black out such details before uploading.

4. Why we use your data and our legal basis

Where we rely on consent, you can withdraw it at any time. This does not affect processing that took place before you withdrew it.

5. How the AI works with your documents

When you upload a document, IDA extracts the text and sends the relevant parts to an AI model to answer your questions. This processing takes place in the European Union. Our AI providers act only on our instructions, under a data processing agreement, and are not allowed to use your data to train their models or for any other purpose of their own. We do not use your documents to train AI models either.

IDA's answers are generated automatically. They are information, not advice, and IDA does not make decisions about you that have legal or similarly significant effects. See our Disclaimer.

6. Insurance comparison partner

IDA can refer you to an independent, licensed insurance comparison partner. This only happens when you choose to use the comparison feature. Before anything is shared, we show you which details will be sent. After the hand-off, the partner processes your data as an independent controller under its own privacy policy. We do not receive payment from the partner for referrals.

7. Advertising and measurement

We advertise IDA online. To understand whether that advertising works, we need to know which advert led to an install — otherwise we are paying for advertising blind.

Who does this for us

We use a mobile measurement provider, Tenjin Inc., to match an app install to the advert that led to it. Tenjin acts as our processor, under a data processing agreement, and processes the data listed in section 3 in the United States.

We may also tell advertising platforms such as Google, Meta and TikTok that an install or an action happened, so those platforms can measure and improve the campaigns we run with them. For that data, those platforms act as independent controllers under their own privacy policies.

It is off unless you turn it on

If you are in the European Economic Area, the United Kingdom or Switzerland, we collect no advertising or attribution data until you give permission. We ask when you first open the app. You can change your answer at any time in the app's privacy settings.

If you say no, IDA works exactly as it did before. Only the measurement stops.

On iPhone and iPad, Apple asks separately for permission to use the Advertising Identifier. If you decline there, we do not use it, whatever you told us.

What is never included

Your insurance documents, the questions you ask IDA, and IDA's answers are never sent to Tenjin or to any advertising platform. Advertising measurement sees that you installed the app or started a subscription. It does not see what you are insured for.

8. Who we share your data with

We do not sell your personal data for money.

Some US state privacy laws define "selling" or "sharing" broadly, and those definitions can cover sending app install and event data, and website advertising data, to advertising platforms so they can measure campaigns, as described in section 7. Where you have not given permission for advertising measurement, none of that data is shared. You can withdraw permission at any time in the app, or contact us to opt out.

Otherwise, we share your data only with:

• Service providers (processors) that help us run IDA: hosting and storage, AI processing, email delivery, analytics, advertising measurement and customer support tools. They process your data only on our instructions and under a data processing agreement.

• Advertising platforms, as described in section 7, and only where you have given permission.

• Apple and Google, for app distribution and subscription payments, under their own privacy terms.

• The insurance comparison partner, only when you ask us to (see section 6).

• Authorities or other parties when the law requires it, or when needed to protect our rights, our users or the public.

• A buyer or successor, if our business or the IDA brand is sold or merged. Your data would remain protected under this policy.

9. Where your data is stored

Your documents, your account and our AI processing are located in the European Union.

ScalarRatio LLC is a US company, and advertising and attribution data (section 7) is processed by our measurement provider in the United States. Where personal data is accessed from or transferred outside the European Economic Area, we use appropriate safeguards, such as the European Commission's Standard Contractual Clauses.

10. How long we keep your data

• Documents and conversations: until you delete them or delete your account.

• Account data: for as long as you have an account.

• After you delete your account: we delete your data within 30 days. Copies in backups are overwritten within 90 days.

• Support messages: up to 2 years after your last contact.

• Advertising and attribution data: up to 24 months, after which it is deleted or aggregated so it no longer identifies you.

• Billing records: as long as tax and accounting laws require.

11. Security

We protect your data with measures such as encryption in transit and at rest, access controls limited to staff who need it, and regular review of our providers. No system is completely secure, but we work to keep your data safe and will notify you and the authorities of a data breach where the law requires it.

12. Your rights

If you are in the European Economic Area, the United Kingdom or Switzerland, you have the right to:

• access the personal data we hold about you;

• correct inaccurate data;

• delete your data;

• restrict or object to certain processing;

• receive your data in a portable format;

• withdraw your consent at any time;

• lodge a complaint with the data protection authority in your country.

Depending on where you live, including certain US states, you may have similar rights. We honour these requests regardless of where you live, and we will not treat you differently for using them.

Advertising choices

You can withdraw permission for advertising measurement at any time in the app's privacy settings. You can also limit advertising on your device itself:

• iPhone and iPad: Settings > Privacy & Security > Tracking

• Android: Settings > Privacy > Ads

Making a request

You can delete documents and your account directly in the app (see Delete your account). For any other request, please contact us. We may ask you to verify your identity, and we will respond within one month.

13. Age requirement

IDA is only for people aged 18 and over. We do not knowingly collect data from anyone under 18. If you believe a minor has created an account, please contact us and we will delete it.

14. Changes to this policy

We may update this policy as IDA evolves. We will change the "Last updated" date and, for significant changes, notify you in the app or by email before they take effect.

15. Contact

For questions about privacy or to exercise your rights, please use our contact page.

This policy is written in English. If it is translated, the English version prevails in case of any difference.