Workflow & Automation · hedgespecialty.comHedge
Graded against 811 verified platforms, from its own policy text. Automated assessment against a published rubric — not legal advice.
No lens is bandable yet — banding requires fully verified documents with on-criteria findings. The gap is shown honestly, never estimated.
“We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences.”
Watch: Tier differences
Start here. These are the highest-risk verified clauses AIRIN found in the platform's own policy text.
Describes Hedge's compensation structure (percentage commission and potential broker fees) and imposes an obligation to disclose all fees in writing to the retail agent before binding, subject to applicable state law and licensing requirements, establishing a mandatory pre-binding disclosure duty.
Expressly prohibits use of insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences — a user-favorable restriction that forecloses training use and data enrichment practices.
Prohibits sharing prior carrier pricing with competing markets without the user's explicit written release, protecting competitive and confidential pricing information and requiring affirmative written consent as a condition precedent to disclosure.
How to read this page: Overall risk rates what Hedge's own policy terms mean for your prompts, outputs, and data. The benchmark bands below grade those same verified terms relative to peers — a platform in a risky-by-default category can rate HIGH risk and still grade STRONG against its peer set. Both trace to the cited findings.
Fully verified — complete core corpus captured and read in full.
- Privacy PolicyVerified - read in full - 25 citationsstaticLast captured 2026-08-21
- Terms of ServiceVerified - read in full - 18 citationsstaticLast captured 2026-08-14
Only citation-backed plan differences are shown here; absent cells mean AIRIN has not verified a tier-specific claim.
Defines site usage data collected (pages visited, form progress, IP address, ad-click identifiers) and the purposes for which it is used (operating the site, diagnosing problems, measuring paid advertising), scoping the data collected through site interactions.
" Site usage Pages visited, submission form progress, IP address, ad-click identifiers Make the site work; measure and improve our paid advertising "
Grants the user the right to request deletion of any non-regulated data at any time via email, and imposes an obligation to confirm deletion in writing within 10 business days — user-favorable deletion right with a defined response timeline.
" You can request deletion of any non-regulated data at any time by emailing submissions@hedgespecialty.com . We'll confirm deletion in writing within 10 business days."
Describes Hedge's compensation structure (percentage commission and potential broker fees) and imposes an obligation to disclose all fees in writing to the retail agent before binding, subject to applicable state law and licensing requirements, establishing a mandatory pre-binding disclosure duty.
" Hedge's compensation typically takes the form of a percentage commission paid by the placing carrier out of premium. In some specialty placements. Particularly manuscript or structured programs. We may charge a broker fee in addition to or..."
Disclaims any warranty regarding the solvency or claims-paying ability of any carrier to which business is placed, limiting Hedge's liability for carrier performance.
" Warrant the solvency or claims-paying ability of any carrier to which we place business."
Imposes security obligations including encryption in transit and at rest, need-to-know access restrictions for named staff, annual third-party penetration testing, and maintenance of a SOC 2 Type II report available to appointed agencies under NDA — establishes protective technical and organizational security measures for submission data.
" All submission data is encrypted in transit (TLS 1.3) and at rest (AES-256). Access is restricted to the named account team plus operations and compliance staff on a need-to-know basis. We run third-party penetration testing annually and m..."
Defines the legal identity of the entity providing services, including its licensed status as a surplus lines broker, its principal place of business, and its license and producer numbers; this is a definitional clause establishing who the contracting party is.
" Taven Insurance Services LLC dba Hedge Specialty is a licensed surplus lines broker. Our principal place of business is 2261 Market Street, Suite 18450, San Francisco, CA 94114. We operate under California surplus lines broker license #601..."
Clause A implies that 'use' of the submission form (including drafting) falls under Hedge's privacy practices, which typically involves data handling and potential transmission, while Clause B explicitly states that submission form drafts 'never transmit until you click Submit'.
" You may use hedgespecialty.com to learn about our services, submit risks, apply for agency appointments, and otherwise communicate with Hedge. You agree not to use the site to transmit viruses, malicious code, or unauthorized automated scraping tools. Use of the submission form or appointment form constitutes consent to Hedge's privacy practices as described in our Privacy Notice ."
" hedgespecialty.com uses first-party browser storage to remember your submission form progress (localStorage) and to remember whether you've dismissed the site-wide banner (a first-party cookie). Submission form drafts stay in your browser and never transmit until you click Submit."
Across documentsClause A states that submission, agency, or insured data is shared with marketing platforms/ad networks, while Clause B explicitly states that ad tags do not see this data and it never touches them.
" Share submission, agency, or insured data with marketing platforms, ad networks, or behavioral retargeters. Site-usage signals (page views, ad-click identifiers) are shared with our ad partners as described in Section 08."
" We also load advertising and conversion-measurement tags from major ad platforms. Currently Google Ads, with comparable tags from other platforms (such as Meta) likely as our outreach to retail agencies grows. These tags see the page URL, the page you arrived from, your IP address, and any click identifier embedded in the URL by the ad. They do not see your submission contents, agency details, or insured data. Those are submitted directly to our own server and never touch the ad tag."
Within one documentClause A states that submission, agency, or insured data is shared with marketing platforms/ad networks, while Clause B explicitly states that ad tags do not see this data and it never touches them.
" Share submission, agency, or insured data with marketing platforms, ad networks, or behavioral retargeters. Site-usage signals (page views, ad-click identifiers) are shared with our ad partners as described in Section 08."
" We also load advertising and conversion-measurement tags from major ad platforms. Currently Google Ads, with comparable tags from other platforms (such as Meta) likely as our outreach to retail agencies grows. These tags see the page URL, the page you arrived from, your IP address, and any click identifier embedded in the URL by the ad. They do not see your submission contents, agency details, or insured data. Those are submitted directly to our own server and never touch the ad tag."
Within one documentClause A lists 'submission form progress' as data collected by the site, while Clause B explicitly states that this data stays in the browser and never transmits until the user clicks Submit.
" Site usage Pages visited, submission form progress, IP address, ad-click identifiers Make the site work; measure and improve our paid advertising "
" hedgespecialty.com uses first-party browser storage to remember your submission form progress (localStorage) and to remember whether you've dismissed the site-wide banner (a first-party cookie). Submission form drafts stay in your browser and never transmit until you click Submit."
Within one documentClause A states all CCPA rights are exercised via the legal desk, while Clause B provides different methods (Section 08 or email) for the specific CCPA opt-out right.
" Privacy notice last updated May 9, 2026. Exercise a CCPA or GDPR right via the legal desk."
" Depending on your jurisdiction, you may have rights to access, correct, delete, or port your personal data. California residents have additional rights under the CCPA/CPRA, including the right to know categories of data collected and the right to opt out of "sharing" for cross-context behavioral advertising. To exercise that right, see the opt-out options in Section 08 or email us directly."
Within one documentClause A states that insured data is never used to train machine learning models, directly contradicting Clause B which instructs or permits the use of insured data for training AI models.
" We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences."
" Use insured data to train AI models. Ours or anyone else's."
Within one documentClause A states that insured data is never used to train machine learning models, directly contradicting Clause B which instructs or permits the use of insured data for training AI models.
" We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences."
" Use insured data to train AI models. Ours or anyone else's."
Within one documentClause A states that insured data is never used to train machine learning models, directly contradicting Clause B which instructs or permits the use of insured data for training AI models.
" We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences."
" Use insured data to train AI models. Ours or anyone else's."
Within one document
Evidence appendix
Showing priority citations first. The full appendix is available for audit trails; not every citation is a severe risk.
" Hedge's compensation typically takes the form of a percentage commission paid by the placing carrier out of premium. In some specialty placements. Particularly manuscript or structured programs. We may charge a broker fee in addition to or instead of commission. All fees are disclosed in writing to the retail agent before binding and are subject to applicable state law and licensing requirements."
Describes Hedge's compensation structure (percentage commission and potential broker fees) and imposes an obligation to disclose all fees in writing to the retail agent before binding, subject to applicable state law and licensing requirements, establishing a mandatory pre-binding disclosure duty.
AI-generated interpretation, not legal advice.
" We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences."
Expressly prohibits use of insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences — a user-favorable restriction that forecloses training use and data enrichment practices.
AI-generated interpretation, not legal advice.
" We collect only what's needed to place, service, and defend an account. Specifically:"
States a data-minimisation principle — the entity collects only what is needed to place, service, and defend an account — restricting the scope of data collection to those enumerated purposes and thereby limiting the entity's own collection practices in a user-protective manner.
AI-generated interpretation, not legal advice.
" Submission and agency data is used only for insurance brokerage purposes. Placing the risk, servicing the policy, handling claims, and meeting our regulatory obligations. Site usage data is used only to operate the site and diagnose problems."
Restricts use of submission and agency data exclusively to insurance brokerage purposes (placing risk, servicing policy, handling claims, meeting regulatory obligations) and limits site usage data to operating the site and diagnosing problems, prohibiting other uses — user-favorable restriction.
AI-generated interpretation, not legal advice.
" Contact an insured directly without the retail agent's prior knowledge."
Prohibits direct contact with an insured without prior knowledge of the retail agent, protecting the agency relationship and restricting how insured contact information may be used — user-favorable restriction.
AI-generated interpretation, not legal advice.
" Hedge does not accept contingent or volume-based compensation from carriers in a manner that would compromise our duty to the retail agent. Our carrier relationships are disclosed in full upon request."
Restricts Hedge from accepting contingent or volume-based compensation from carriers in a manner that would compromise its duty to the retail agent, and grants the retail agent a right to request full disclosure of carrier relationships, establishing a conflict-of-interest limitation.
AI-generated interpretation, not legal advice.
" Hedge's liability for any claim arising out of our wholesale brokerage services is subject to our professional errors and omissions coverage and the applicable terms of our broker agreement with the retail agency. In no event will Hedge be liable for indirect, consequential, or punitive damages. Nothing in these terms limits liability for fraud, gross negligence, or willful misconduct. Nor should any limitation be read to violate applicable state insurance regulation."
Limits Hedge's liability for claims arising from wholesale brokerage services to its professional errors and omissions coverage and applicable broker agreement terms, excludes indirect, consequential, and punitive damages, but carves out fraud, gross negligence, and willful misconduct from any limitation, and notes that no limitation should violate applicable state insurance regulation.
AI-generated interpretation, not legal advice.
" Share prior carrier pricing with competing markets without your explicit written release."
Prohibits sharing prior carrier pricing with competing markets without the user's explicit written release, protecting competitive and confidential pricing information and requiring affirmative written consent as a condition precedent to disclosure.
AI-generated interpretation, not legal advice.
" All content on the site. Including copy, layouts, and the Hedge wordmark. Is owned by Hedge and may not be reproduced for commercial purposes without written permission."
Asserts Hedge's ownership over all site content including copy, layouts, and wordmark, and restricts reproduction for commercial purposes without written permission, functioning as an intellectual-property restriction on users.
AI-generated interpretation, not legal advice.
" Hedge shares submission data only with the parties required to get the risk placed and serviced:"
Restricts sharing of submission data only to parties required for placement and servicing of the risk, limiting the scope of permissible disclosure to necessary recipients — user-favorable restriction.
AI-generated interpretation, not legal advice.
" Share submission, agency, or insured data with marketing platforms, ad networks, or behavioral retargeters. Site-usage signals (page views, ad-click identifiers) are shared with our ad partners as described in Section 08."
Prohibits sharing of submission, agency, or insured data with marketing platforms, ad networks, or behavioral retargeters, while carving out site-usage signals shared with ad partners as described elsewhere — restricts sensitive data sharing in a user-favorable direction while acknowledging a limited exception for non-submission site signals.
AI-generated interpretation, not legal advice.
" Hedge is a wholesale insurance broker. That means we handle sensitive information about insureds, retail agencies, and risks every day. This notice tells you exactly what we collect, what we do with it, and. Maybe more importantly. What we refuse to do with it."
Defines Hedge's role as a wholesale insurance broker that handles sensitive information about insureds, retail agencies, and risks, and characterises the purpose of the notice as disclosing what is collected, how it is used, and — notably — what the entity refuses to do with it, establishing the scope and framing of the privacy obligations that follow.
AI-generated interpretation, not legal advice.
" Agency & agent data Agency name, NPN, licenses, E&O details, contact info Verify appointment eligibility & route submissions "
Defines a specific category of personal data collected (agency and agent data, including agency name, NPN, licences, E&O details, and contact information) and states the purpose for which it is collected (verifying appointment eligibility and routing submissions), establishing the legal basis and scope for processing this data class.
AI-generated interpretation, not legal advice.
" Uploaded documents Loss runs, prior policies, applications, schedules Market release & quoting "
Defines the category of uploaded documents (loss runs, prior policies, applications, schedules) and their stated purpose (market release and quoting), scoping the types of documents processed on the platform.
AI-generated interpretation, not legal advice.
" Site usage Pages visited, submission form progress, IP address, ad-click identifiers Make the site work; measure and improve our paid advertising "
Defines site usage data collected (pages visited, form progress, IP address, ad-click identifiers) and the purposes for which it is used (operating the site, diagnosing problems, measuring paid advertising), scoping the data collected through site interactions.
AI-generated interpretation, not legal advice.
" Depending on your jurisdiction, you may have rights to access, correct, delete, or port your personal data. California residents have additional rights under the CCPA/CPRA, including the right to know categories of data collected and the right to opt out of "sharing" for cross-context behavioral advertising. To exercise that right, see the opt-out options in Section 08 or email us directly."
Identifies jurisdiction-dependent rights to access, correct, delete, or port personal data, and specifies additional rights for certain residents including the right to know categories of data collected and to opt out of sharing for cross-context behavioral advertising, directing users to the opt-out mechanism and contact email.
AI-generated interpretation, not legal advice.
" To exercise any of these rights, email submissions@hedgespecialty.com . We respond to verified requests within 30 days."
Establishes the procedure for exercising data rights: verified requests must be submitted by email, and the company commits to responding within 30 days — defines the operational mechanism for enforcing user rights.
AI-generated interpretation, not legal advice.
" hedgespecialty.com uses first-party browser storage to remember your submission form progress (localStorage) and to remember whether you've dismissed the site-wide banner (a first-party cookie). Submission form drafts stay in your browser and never transmit until you click Submit."
Describes the use of first-party browser storage (localStorage and a first-party cookie) to retain submission form progress and banner-dismissal state, and clarifies that submission form drafts remain in the browser and are not transmitted until the user clicks Submit — defines the scope and limitation of first-party data collection.
AI-generated interpretation, not legal advice.
Common questions about Hedge's policies
- Does Hedge train its AI models on your data?
- No training on your content by default — based on 1 verified finding from Hedge's published policy. Informational only, not legal advice.
Clause detail — protections, your obligations, and coverage
Every clause below is a verbatim quote from Hedge's own published policy, read in full and linked to its exact location. Protections and user obligations are reported separately from risk because they are different kinds of clause — an obligation on you is not a risk to your data. Informational only, not legal advice.
✅ Protections found
0 verified clausesClauses in Hedge's policies that work in your favour — commitments the platform made to you.
No protective clause has been verified in Hedge's published policies yet. That means we did not find one in the documents we read — not that the platform offers nothing.
📋 Rules you must follow
0 verified clausesWhat Hedge requires of YOU. These are your obligations, not risks to your data or IP, so they are cited here and excluded from this platform's risk rating.
No user-conduct rule has been verified in Hedge's published policies yet.
What the policies actually cover
0 topicsNone of Hedge's verified clauses has been assigned a topic yet. The clause-trust review has not reached this platform's findings.
Cross-clause notes
Two verified clauses intersect on the same subject matter: the Privacy Policy, Privacy Policy › “Retention & deletion.” addresses how long content is retained, and the Privacy Policy, Privacy Policy › “How we use it.” addresses use of content in connection with model training or service improvement. Both clauses are in force at the same time — read them together.
Automated cross-reference against the published rubric — not legal advice.
Clause intelligence
Canonical clauses and stance patterns extracted from the same gate-verified citations shown on this page.
The clause permits sale of personal data or information.
“Sell submission, agency, or insured data to any third party, at any price.”Open source citation
The clause permits sale of personal data or information.
“Sell submission, agency, or insured data to any third party, at any price.”Open source citation
The clause permits sale of personal data or information.
“Sell submission, agency, or insured data to any third party, at any price.”Open source citation
The clause changes rights, controls, or obligations by plan or tier.
“Hedge's compensation typically takes the form of a percentage commission paid by the placing carrier out of premium. In some specialty placements. Particularly manuscript or structured programs. We may charge a broker fee in addition to or instead of commission. All fees are disclosed in writing to the retail agent before binding and are subject to applicable state law and licensing requirements.”Open source citation
The clause permits using submitted content for training, development, or model/service improvement.
“Use insured data to train AI models. Ours or anyone else's.”Open source citation
Tier matrix
Plan-level conditions detected from citation-backed clauses. Empty tiers mean AIRIN has not captured decisive tier language yet.
| Tier | Surface | Verdict | Risk | Citations |
|---|---|---|---|---|
| All applicable tiers | subprocessors data sharing | worsens | HIGH | 3 |
| All applicable tiers | training use | worsens | HIGH | 6 |
| Pro / Paid | tier differences | conditional | MEDIUM | 1 |
Policy evolution
Open full timelineBefore/after stance changes across captured policy versions. When no material delta exists yet, AIRIN shows the latest citation-backed stance events instead.
Latest stance: no training claim on training use
“We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences.”Open timeline citation
Latest stance: training permitted on training use
“Use insured data to train AI models. Ours or anyone else's.”Open timeline citation
Latest stance: sale or sell on subprocessors data sharing
“Sell submission, agency, or insured data to any third party, at any price.”Open timeline citation
Latest stance: no training claim on training use
“We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences.”Open timeline citation
Latest stance: sale or sell on subprocessors data sharing
“Sell submission, agency, or insured data to any third party, at any price.”Open timeline citation
Latest stance: training permitted on training use
“Use insured data to train AI models. Ours or anyone else's.”Open timeline citation
Latest stance: rights or controls vary by tier on tier differences
“Hedge's compensation typically takes the form of a percentage commission paid by the placing carrier out of premium. In some specialty placements. Particularly manuscript or structured programs. We may charge a broker fee in addition to or instead of commission. All fees are disclosed in writing to the retail agent before binding and are subject to applicable state law and licensing requirements.”Open timeline citation
Latest stance: no training claim on training use
“We never use insured or agency data to train machine learning models, enrich third-party data brokers, or build marketing lookalike audiences.”Open timeline citation
Capture recency
- Privacy Policy:Last captured 2026-08-21· verified 2026-08-21
- Terms of Service:Last captured 2026-08-14· verified 2026-08-14
Dates state when our pipeline captured and verified each document — not when the vendor last changed it. Documents are re-scanned on a recurring cadence; a document verified once says so until a re-scan confirms it again.
74 findings first captured First scan: July 2026.
Compare and stack are saved in your browser. Open compare · View your stack. A correction triggers an automated re-read of Hedge's policies — no human edits the data.
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Every finding above is a verbatim quote from Hedge's own published policy, captured to an immutable snapshot and read in full through a two-gate verification pipeline. Confidence labels and any analysis are AI-generated and informational only — not legal advice.
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