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Privacy Policy

Cover AI LLC (“Cover AI”, “we”, “us”, “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, store, and disclose your information in connection with our insurance services, website, and digital tools, in compliance with applicable U.S. laws and insurance regulations.

1. Information We Collect

We may collect personal and non-personal information through our website, forms, conversations, and integrations with partner platforms. This includes:

Contact information: name, phone number, email, mailing address
Insurance details: coverage needs, quote submissions, policy interests
Demographics and identifiers: date of birth, ZIP code, language preference
Health information: for life and health quotes (where required and permitted)
Financial information: only when necessary for underwriting
Technical data: IP address, browser type, device ID, session activity
Communications: chats, emails, or calls with our licensed agents

We may also collect data from third-party providers or insurance carriers to assist in accurate quoting and underwriting.

2. How We Use Your Information

We use your information to:

Provide and improve insurance quotes and recommendations
Submit applications to licensed insurance carriers
Communicate with you regarding your insurance inquiries or services
Fulfill legal obligations (e.g., identity verification, fraud prevention)
Analyze usage to improve website performance and user experience
Maintain records for regulatory and internal compliance

We do not engage in automated decision-making that affects your rights without human oversight.

3. Legal Basis and Consent

Your data is processed based on:

Your express consent (e.g., when requesting a quote or submitting a form)
Our legitimate business interests in delivering insurance services
Contractual necessity (e.g., when issuing or managing a policy)
Legal compliance with state and federal insurance regulations

You may withdraw your consent at any time by contacting us, though some services may be limited as a result.

4. Sharing Your Information

We only share your information when necessary, including with:

Licensed insurance carriers, underwriters, and MGAs for quoting and servicing
Regulatory authorities or auditors when required by law
Third-party vendors (CRM, analytics, communication tools) under strict confidentiality agreements
Quoting APIs and integrations used to connect with multiple insurance markets

We do not sell, rent, or disclose your personal information for unrelated third-party marketing.

5. Data Retention

We retain your personal information for as long as necessary to:

Provide services and fulfill insurance obligations
Comply with legal, licensing, and tax requirements
Resolve disputes and maintain internal audit records

Retention time may vary by product type and jurisdiction.

6. Data Security

We take your data security seriously and implement:

Encryption of data in transit (SSL/TLS)
Secure servers and cloud environments
Access controls and authentication
Routine monitoring and vulnerability testing

While no system is 100% secure, we use industry best practices to minimize risk.

7. Your Rights

Depending on your location and applicable laws, you may:

Request access to your data
Correct or update inaccurate information
Request deletion of certain data (subject to regulatory obligations)
Opt out of marketing communications
Submit a complaint regarding data handling

To exercise any of these rights, email: info@coverai.net

8. Cookies and Tracking

Our website uses cookies and tracking tools to improve functionality, analyze traffic, and personalize user experience. You may control or disable cookies through your browser settings. For more, see our Cookie Policy.

9. Minors and Children’s Privacy

Our services are intended for users 18 years and older. We do not knowingly collect personal data from children under 13. If such information is identified, it will be deleted promptly.

10. State-Specific Disclosures

You may have additional rights under state laws such as the California Consumer Privacy Act (CCPA), the Texas Privacy Act, or similar. Please contact us for state-specific requests.

11. Policy Updates

We may revise this Privacy Policy periodically. Updates will be posted on this page with a revised “Last updated” date. Continued use of our services implies acceptance of the updated terms.

12. Contact Us

For questions or privacy-related concerns, please contact:

Cover AI
3400 Dundee Rd, Suite 150
Northbrook, IL 60062
Phone: (312) 395-0872
Email: info@coverai.net
National Producer Number (NPN): 21552626
Agency License #: 3003609556
Website: https://coverai.net