Privacy Policy

1. Scope and Service Availability

This Privacy Policy applies to CoverAI.net and to personal information collected through our website, online forms, AI assistant, email, telephone, text messaging, referral and partner workflows, and related business operations. It does not apply to a third party’s website, portal, application, or service, even if we link to or refer you to that third party.Cover AI currently offers or facilitates public-facing insurance-related services only in Illinois and Texas, subject to licensing, carrier eligibility, product availability, underwriting requirements, and applicable law. Visiting the website from another state does not mean that a product or service is available there.

2. Personal Information We Collect

Depending on how you interact with us, we may collect the following categories of personal information:

• Contact and identifying information, such as your name, email address, telephone number, mailing address, city, state, ZIP code, and business name or title.
• Insurance and service-request information, such as the type of insurance or assistance requested, current coverage details, requested limits, renewal dates, property or business characteristics, vehicle or driver information, claim-related inquiry details, and other information you choose to provide.
• Referral, attribution, and consent information, such as the page or campaign that directed you to us, referral source, marketing parameters, form version, disclosures presented, consent selections, date and time of submission, and communication preferences.
• Communications information, including messages submitted through Simon, website forms, email, telephone, or text; our responses; and records relating to your request. If a call is recorded, we will provide any notice or obtain any consent required by applicable law.
• Device, usage, and internet activity information, such as IP address, browser type, device identifiers, operating system, referring URL, pages viewed, links clicked, date and time of access, approximate location derived from IP address, and cookie or similar technology identifiers.
• Documents and supplemental information that you intentionally provide through an authorized process. We collect only the information reasonably needed to respond to or process the relevant request.

3. Sensitive Information and Secure Submission

Our general website forms, ordinary email channels, and Simon are not designed to receive Social Security numbers, full payment-card or bank-account numbers, medical records, diagnoses, detailed health information, government-issued identification documents, passwords, or other highly sensitive information. Please do not submit that information through these channels.If an insurer, agency, administrator, or other identified licensed partner needs sensitive information for underwriting, enrollment, payment, claims, or another authorized purpose, provide it only through the secure process designated by that organization. Information submitted through our general website or AI assistant may not be protected by the Health Insurance Portability and Accountability Act of 1996 (HIPAA), and Cover AI does not represent that every website interaction is subject to HIPAA.

4. Sources of Personal Information

We may obtain personal information:

• Directly from you, including when you submit a form, use Simon, call, text, email, or otherwise communicate with us.
• Automatically from your browser or device through cookies, tags, logs, analytics tools, and similar technologies.
• From carriers, insurance agencies, brokers, managing general agents, wholesalers, administrators, licensed public adjusters, referral platforms, business partners, and service providers when permitted by law and relevant to your request.
• From publicly available or commercial business sources, where permitted by law, to verify information, prevent fraud, or support business-to-business outreach.

5. How We Use Personal Information

We may use personal information to:

• Respond to inquiries, communicate with you, provide requested information, and maintain records of our interactions.
• Determine whether a request is within our service area and route it to the appropriate internal team, licensed producer, carrier, agency, broker, wholesaler, administrator, platform, or other qualified partner.
• Facilitate a quote request, application, referral, introduction, consultation, or service request. Cover AI does not guarantee that a quote, policy, appointment, claim outcome, or other result will be available.
• Operate, maintain, personalize, and improve CoverAI.net, Simon, forms, customer relationship management systems, communications, analytics, attribution, and security controls.
• Confirm and document disclosures, choices, permissions, and revocations of consent.
• Detect, investigate, and prevent fraud, misuse, security incidents, and violations of our terms or policies.
• Comply with legal, regulatory, licensing, tax, recordkeeping, audit, reporting, and dispute-resolution obligations.
• Send marketing communications where permitted by law and consistent with the choices and consent you provide.

6. Simon and Other Automated Tools

Simon is Cover AI’s AI-assisted website tool. When you use Simon, your prompts, responses, contextual information, and certain technical data may be processed by our AI, hosting, security, analytics, and customer relationship management service providers so that we can generate responses, route your inquiry, maintain conversation history, monitor quality, prevent misuse, and support compliance.Do not submit highly sensitive information to Simon. Simon provides general assistance and intake support; it does not bind insurance coverage, make final underwriting or eligibility decisions, settle claims, perform licensed public-adjusting services, provide legal advice, or make other legally binding or similarly significant decisions. Information produced by Simon may be incomplete or inaccurate and should be confirmed with an appropriately licensed professional or the relevant carrier before you rely on it.Simon does not generate insurance quotes, compare live carrier prices, recommend a specific policy as suitable for you, review your individual policy, issue certificates of insurance, submit regulatory filings, report or handle claims, check claim status, or set up payments.We do not intentionally use Simon conversations for unrelated advertising. We use AI service providers and related technologies in accordance with applicable contractual terms, our configuration choices, this Privacy Policy, and applicable law.

7. How We Disclose Personal Information

We may disclose personal information to the following recipients for the purposes described in this Privacy Policy:

• Insurance and service partners, including carriers, insurance agencies, licensed producers, brokers, managing general agents, wholesalers, administrators, quote or referral platforms, and other organizations that may evaluate, quote, place, administer, or respond to your request.
• Licensed public adjusters or public-adjusting organizations when you specifically request public-adjuster information or assistance. Public-adjuster inquiries are handled separately from insurance-sales inquiries. Submitting an inquiry to Cover AI is not notice of a claim to an insurer and does not create a public-adjuster engagement unless you enter into a separate written agreement with the applicable licensed provider.
• Service providers that support our website, forms, CRM, AI functionality, hosting, cloud storage, content delivery, cybersecurity, analytics, attribution, email, telephone, text messaging, document management, and professional services. These providers may process information only for authorized business purposes and subject to applicable contractual or legal obligations.
• Government authorities, regulators, courts, law enforcement, and other parties when disclosure is required or permitted by law, necessary to protect rights or safety, or appropriate to prevent fraud or respond to legal process.
• A buyer, investor, lender, adviser, or successor in connection with an actual or proposed merger, financing, acquisition, reorganization, sale of assets, or similar business transaction, subject to appropriate confidentiality and legal requirements.

A specific form may identify one or more intended recipients or provide additional disclosures. Those form-specific disclosures supplement this Privacy Policy and govern the particular submission. We do not authorize recipients to use personal information for purposes outside the applicable request, agreement, consent, or law.

8. Referrals, Compensation, Sale, and Targeted Advertising

Cover AI may receive commissions, referral or affiliate compensation, cost-per-click or cost-per-action fees, consulting fees, or other compensation in connection with introductions, referrals, advertising, or resulting business. Compensation does not increase your obligation to purchase and does not guarantee availability, price, coverage, or outcome.We do not operate as a data broker and do not sell personal information for money as a standalone product. However, certain lead-transfer, referral, affiliate, analytics, or advertising arrangements may be treated as a “sale,” “sharing,” or “targeted advertising” under some privacy laws, even when compensation is associated with a referral, click, completed action, or resulting business rather than payment for a data file. To ask about or exercise applicable privacy choices, contact [email protected] or (312) 395-0872. We will explain the process and any verification needed.This Privacy Policy is not consent for Cover AI or multiple third parties to call or text you for marketing. Any consent to marketing calls, automated dialing, prerecorded or artificial voice messages, or text messages must be presented separately and specifically at the point of collection when required by law.

9. Telephone, Text Message, and Email Communications

If you provide a telephone number or email address, we may contact you to respond to your request, provide requested service information, confirm details, or communicate about an existing relationship, as permitted by law. Marketing communications are sent only where permitted and subject to any consent or preference requirements that apply. Consent to marketing communications is not a condition of purchasing goods or services where prohibited by law.You may revoke consent or update communication preferences by replying STOP to a text message, using the unsubscribe link in a marketing email, emailing [email protected], or calling (312) 395-0872. We will honor reasonable revocation requests as required by law. You may still receive non-marketing communications necessary to respond to an active request, administer an existing relationship, address safety or security, or comply with law. Message and data rates may apply.

10. Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, scripts, local storage, server logs, and similar technologies for website operation, security, fraud prevention, preferences, functionality, analytics, performance measurement, attribution, and advertising. Technologies used on our site may include tools provided by our website platform, CRM and form provider, analytics providers, content-delivery and security providers, and advertising partners.You can manage many cookies through your browser settings and, where available, our cookie-choice tool. Blocking certain cookies may affect website functionality. We recognize legally required universal opt-out preference signals where applicable and technically supported. Because browser-based “Do Not Track” signals are not standardized, we do not treat every such signal as an opt-out unless applicable law requires us to do so.

11. Retention and Security

RetentionWe retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to respond to and document an inquiry, maintain an existing relationship, satisfy insurance, licensing, legal, tax, audit, consent, dispute, security, and recordkeeping requirements, and enforce our agreements. Retention periods vary based on the type and sensitivity of information, the nature of the relationship, and applicable legal obligations. When information is no longer required, we take reasonable steps to delete, deidentify, or securely dispose of it, unless continued retention is permitted or required by law.SecurityWe use reasonable administrative, technical, and physical safeguards designed to protect personal information, which may include access controls, encryption in transit where supported, secure configuration, monitoring, backups, incident response, employee or contractor controls, and service-provider review. No method of transmission, storage, or security is completely risk-free, and we cannot guarantee absolute security.

12. Your Privacy Rights and Choices

Depending on your state of residence and the law that applies, you may have the right to confirm whether we process your personal information; access personal information; correct inaccuracies; request deletion; obtain a portable copy; opt out of a sale, targeted advertising, or certain profiling; withdraw consent; or appeal a decision we make regarding a privacy request. These rights are subject to verification, legal exceptions, and limitations.To submit a request, email [email protected] or call (312) 395-0872. Please describe the right you wish to exercise and provide enough information for us to identify the relevant records. We may ask for additional information to verify your identity and authority. An authorized agent may submit a request where permitted by law, but we may require proof of authorization and verification of the consumer’s identity.We will not unlawfully discriminate against you for exercising a privacy right. If we deny a request, you may appeal by emailing [email protected] with “Privacy Appeal” in the subject line. We will respond to the appeal as required by applicable law and, when required, explain how to contact the appropriate state authority.

13. Children’s Privacy

Our website and services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information online from children under 13. If you believe a child has provided personal information to us, contact us so that we can review and, where appropriate, delete the information.

14. Third-Party Websites and Services

Our website may link or redirect you to carriers, agencies, brokers, administrators, public adjusters, quote platforms, payment providers, social networks, or other third parties. Once you leave CoverAI.net or submit information directly to a third party, that party’s privacy policy and practices apply. We encourage you to review those terms before providing personal information. Cover AI is not responsible for the privacy or security practices of third parties that we do not control.

15. Insurance and Financial Privacy Notices

Certain personal information collected in connection with an insurance or financial product may be governed by the Gramm-Leach-Bliley Act, state insurance privacy laws, or another specialized privacy regime. If Cover AI or an identified partner provides a separate financial or insurance privacy notice for a particular relationship or transaction, that notice supplements this Privacy Policy and controls to the extent of any conflict for the information it covers.

16. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our services, technology, partners, business practices, or legal obligations. We will post the updated version on CoverAI.net and revise the effective date above. If required by law, we will provide additional notice or obtain consent before a material change takes effect.