Privacy Policy

 

Last Updated: May 31, 2021

 

We at CoverRight Inc. believe it is important for you to know and understand how we use and disclose the information we collect when you use our website (CoverRight.com) and related services, and the steps we take to protect your privacy.

 

Please read this privacy policy carefully. We encourage you to contact us at hello@coverright.com with any questions you have about this Privacy Policy or our privacy practices.

 

Collection and use of your personal information

The personal information we collect and how we use it depends on how you access or use our website or services. For example:

 

  • We collect information directly from you when you register to use our services, apply for health insurance or other products, process your application, participate in a survey, or otherwise contact us. The type of information we collect may include your name, contact information, demographic information, and information about your credit, health and finances. We typically use this information for the purposes for which you provided it to us and any other purposes indicated at the time of collection.
  • When you use our website, we collect your information through the use of cookies and other tracking technologies. The types of information we collect may include your IP address, browser details, device information, location, and activities on the website. We use this information to enable your connectivity to the website, personalize our services, advertise to you, and ensure the website functions properly.
  • We may also collect your information from third parties, such as marketing vendors or your friends/family who have referred you to us. Such information typically includes your name and email address. We use this information to enhance our customer lists and send marketing emails to you.

 

In addition to the uses we describe above, we may also use your personal information for our internal business purposes, which includes conducting analytics about consumer engagement, personalizing and improving our services, providing technical support and customer service, sending you marketing communications (via mail, email, or text), sending you administrative and transactional communications, promoting new products, and protecting the integrity, safety and security of our business.

 

How we share your personal information

We may share your personal information in the following circumstances:

 

  • We may share your personal information with service providers who we have hired to help us manage our business. For example, service providers may provide hosting and maintenance, data storage and management, and marketing services. Our policy is to permit our service providers to only use your personal information to provide services to us.
  • We will share your personal information with our subsidiaries and/or network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”). When we share your information with Providers, the Providers will use your personal information in accordance with their own privacy policies. By submitting your information to us, you are also authorizing these businesses to contact you directly with information about insurance products or other services they offer.
  • We may share personal information with businesses controlling, controlled by, or under common control with Ascend Holdings Inc. We do this for our own and our affiliates’ business operations purposes.
  • If Ascend Holdings, Inc. is merged, acquired, or sold, or in the event of a transfer or restructuring of some or all of our assets, we may disclose or transfer personal information in connection with such transaction.
  • We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose personal information to government or law enforcement officials or private parties if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect our safety, property, and rights or the rights of any third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.

 

We may share aggregated or non-identifiable information with third parties for various purposes, including for business or marketing purposes and to assist us and other parties in understanding our users’ interests, habits and usage patterns

 

Cookies and other tracking technologies

We use cookies and other tracking technologies (such as Google Analytics) on our websites to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. Tracking technologies enable the functionality of certain features of the website, help us remember your preferences, and improve and personalize the website.

 

We also use tracking technology for advertising purposes. Sometimes, our advertisements may be targeted to your behaviors and interests we’ve inferred from your internet activity. You can learn more about, and opt out of behavioral advertising, by visiting YourAdChoices.

 

You can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. If you would like to opt out of Google Analytics, you can download Google’s Opt-Out Browser Add-on. At this time, our website does not respond to “Do Not Track” signals.

 

Updating your information

If your personal information is incorrect or you wish to correct it, please contact us at hello@coverright.com.

 

Opting out of marketing

You may opt-out of the marketing communications we send to you by following the “unsubscribe” instructions included in the marketing communication you receive from us. Unsubscribing from marketing communications does not mean that you will no longer receive emails from us. We may still send you emails that are transactional or relationship in manner.

 

How we protect your personal information

The security of your personal information is important to us. We take reasonable steps to protect your personal information, such as using secure means to transfer the information we receive through our website. Despite these security measures, we cannot guarantee that your personal information will always be secure.

 

California privacy rights

California residents who have established business relationships with us may request certain information regarding our disclosure of personal information to third parties for those third parties’ direct marketing purposes. If you are a California resident and wish to make such a request, please send an e-mail to hello@coverright.com.

 

Information from minors

Our website is not directed to minors, and we not knowingly solicit or collect information from anyone under the age of 13.

 

Visitors outside of the United States

Our website and services are intended for users located in the United States. If you visit our website or use our services from outside of the United States, you understand that your information will be maintained in the United States and in other locations where we may process data, and we will handle your data in accordance with this Privacy Policy and the laws of the United States. The laws and protections in the United States may differ from the laws and protections in other countries.

 

Links to other websites

Our website and services may feature links to other websites owned and operated by third parties. We are not responsible for the content or services of these third-party sites. The privacy practices of third parties may differ from our practices. We encourage you to read the privacy policies of any website you visit.

 

Changes to this Privacy Policy

We may modify this Privacy Policy to reflect changes in the law or in our practices. If we make material changes to this Privacy Policy, we will attempt to notify you before such changes take effect.

 

Financial privacy notice

As a licensed insurance agent, we are subject to the Gramm-Leach-Bliley Act and state laws that apply our use of nonpublic personal information. Our financial privacy notice is available here. To the extent of a conflict between this Privacy Policy and our financial privacy notice, the financial privacy notice will control with respect to your nonpublic personal information regulated by financial privacy laws.