Privacy Policy

This privacy policy ("Privacy Policy") generally describes the information CoverWallet, Inc. (“We” or “us”) collects when you use or access its website and any of its platforms, products or services (collectively, the "Services"). It also explains how we use and share the information and what steps we take to protect it.

Please also review the Terms and Conditions that govern your use of our Services.

1. Information we collect

What types of information we gather and share depends on the product or Services you have with us. This information could include:

If you use our website, we may also collect information about the browser you are using. This information can include:

We may supplement the information we collect about you with data from third-parties. This information may include:

We treat all information about you, whether received from you or from a third-party, in accordance with this Privacy Policy and our Terms and Conditions.

2. How do we use the information we collect?

We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:

Regular Business Purposes

We use the information you provide to update your account(s), process or service requested or authorized transactions, secure quotations for insurance, obtain insurance coverage or report or process claims.

For Our Own Analytic Purposes

CoverWallet, Inc. may also use your information to develop new Services, conduct research and to create anonymous or aggregated reporting for its own use.

For Our Own Marketing Purposes

CoverWallet, Inc. may use your information to offer products or Services to you.

To Comply with Legal Requirements

It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations or court orders. We may share information pursuant to a governmental agency or investigatory body request.

3. How is your information shared?

CoverWallet, Inc. does not share, sell, rent or otherwise distribute your personal information except:

With Other Insurance Providers

If we do not have an insurance product that works for you, we may disclose your contact information to other insurance providers who can serve you.

With Our Service Providers and Business Partners

We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this site, sending email messages, and making phone calls. These parties are contractually restricted from using any personal information for purposes other than providing services for CoverWallet, Inc. or on our behalf.

For Administrative and Legal Reasons

See “Service Providers and Business Partners” above. Additionally, CoverWallet, Inc. also reserves the right to disclose or use information if it has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or liability of CoverWallet, Inc. or its affiliates, other users of this platform, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third-parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security or technical issues; or (f) respond to an audit.

With Business Partners

We disclose personal information, as necessary, in providing our products and services. In order to sell, solicit, and negotiate insurance, we may disclose your information to insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, lawyers, accountants, and others involved in the claims handling process.

Under certain circumstances CoverWallet may remain liable for the acts of Third Parties who perform services on our behalf for their handling of Personal Data that we transfer to them.

4. How can you limit the sharing of your data?

CoverWallet, Inc. respects your privacy and your right to limit the sharing of your information. The following identifies ways in which you can limit the sharing of your information and data:

For more information on how to reject or delete cookies, you should consult with your browser's or device's help documentation or visit www.aboutcookies.org. At this time, CoverWallet, Inc. does not respond to automated signals regarding tracking mechanisms, including "do not track" instructions from your browser. You can also opt out of internet-based advertising by installing a browser plugin from third-parties where available.

We will provide an individual opt-out or opt-in choice before we share your data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected or subsequently authorized.

To limit the use and disclosure of your personal information, please submit a written request to privacy@coverwallet.com

5. What steps does CoverWallet, Inc. take to protect your information?

CoverWallet protects your personal/private information through the use of encryption technology. We use industry standard security protocol (Secure Sockets Layer or "SSL") to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmitted over the Internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.

6. Additional concerns

Updating and Correcting Your Information

Keeping your information accurate and up-to-date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting your account manager.

Continued Use of Information:

Even if you are no longer our customer, we may continue to share your information as described in this Privacy Policy.

External Links and Third-party Privacy Policies

CoverWallet, Inc. may post links to third-party websites that are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third-party sites and are not responsible for the privacy practices of any third-party. We encourage you to read the privacy policies and terms of use of any third-party web sites you visit.

International Users

The Services are operated in the United States and intended for users located in the United States. If you access this site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. Furthermore, you acknowledge that the United States may not provide the same level of protections as the laws of your country. EU, UK and Swiss individuals should refer to the Privacy Shield section of this policy for more specific information.

Children

The Services are not intended for anyone under the age of 16, and we do not knowingly collect, use or disclose information of children under the age of 16. We will delete any personal information collected that we determine to be from a user younger than the age of 16.

7. Rights of California Residents

Categories of Personal Information We Collect

CoverWallet may have collected the following categories of personal information of California residents in the past 12 months:

This information is collected and used for the purposes disclosed in this Privacy Policy. CoverWallet may have sold, rented, released, disclosed, disseminated, made available, transferred, or otherwise communicated any of the above categories of personal information to another business or a third party for monetary or other valuable consideration in the past 12 months.

What are our Sources of Personal Information?

We collect personal information about you from a number of sources:

From You. We collect your contact information, registration/account information, payment information, and any other personal information when you provide it to us on the Services. When you make a purchase on the Services, we also retain a record of your purchases and order history.

From Your Device. Our websites use cookies, in combination with pixels, local storage objects, and similar devices (collectively, "cookies" unless otherwise noted) to distinguish you from other users of the website.

You do not need to allow cookies to visit most of the websites. However, enabling cookies may allow for a more tailored browsing experience and is required for certain parts of the website to work.

What Are Cookies and Other Technologies?

Cookies: A “cookie” is a tiny file that’s stored on your computer. It contains a unique identifier, as well as the address and other information about the website you are visiting. Cookies help us know whether you are a returning visitor to our Services. For example, although you may not log in when you visit our Services, we can use cookies to recognize that you have visited the Services in the past. By using cookies, we are able to understand what is of interest to our customers and ensure the content and services we offer are relevant and compelling when you visit our Services. In some cases, we may use the personal information we collect from cookies to deliver relevant and compelling content to you when you visit the Services.

Web Beacons, Pixel Tags, and Other Tracking Technologies. Web beacons, pixel tags, and other "tracking technologies" are small strings of code placed on a web page or in an e-mail or advertisement. These technologies allow your browser to recognize and store certain types of information such as cookies previously set, the time and date that you viewed the page with the beacon, and a description of that page.

Strictly Necessary Cookies. These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for, like shopping baskets or e-billing, cannot be provided.

From Others.

Advertisers. In some cases, the advertisers that serve ads on our Services will share your e-mail or online identifiers with us so that we can make sure their advertisements or offers reach you.

Data Partners.  We work with third-party data partners that share personal information with us, including internet activity information, purchasing information, and interests, preferences, and other behavioral data, which help us understand you better and ensure the content and services we offer are relevant and compelling.

Service Providers. We work with service providers that collect personal information on our behalf in order to provide services to us, such as hosting our websites, processing our credit card transactions, and other activities needed to help us provide our content and services to you. We only allow our service providers to use your personal information in connection with the services they provide us. 

How is your information shared?

With Affiliates:

CoverWallet We share your personal information with other businesses owned by Aon PLC, which have their own privacy statements and are not subject to this Privacy Statement.

With Non-Affiliates:

CoverWallet, Inc. has shared or disclosed your personal information to third parties for the third-parties’ direct marketing purposes in the last 12 months.  Therefore, California’s “Shine the Light” law (California Civil Code § 1798.83) applies.  In accordance with this law, we provide you with the ability to opt out of such disclosures at no cost through the “Do Not Sell My Personal Information” link in the footer section of our website or as provided in the Privacy Policy at “Rights of California Residents.”

Service Providers: We engage service providers to provide services such as credit-card and billing processing, marketing, advertising optimization, interest-based targeting, e-mail and text message distribution, data processing, mobile and website analytics, user authentication, security, and promotions management. We may share any personal information we collect about you with these service providers and authorize them to collect personal information from you directly to support the services they provide to us. We do not authorize our service providers to share or use your personal information with any other third parties.

Data Partners: Data partners may use cookies and other tracking technologies to enable the delivery of interest-based advertising to users. We do not authorize our data partners to share your e-mail address with their other clients.

Information We Sell: CoverWallet sells leads received from marketing partners and third-party lead sellers to Aon affiliated and non-affiliated entities. All leads are initially used to broker insurance, however leads of unbound applicants could then be sold to other insurance entities to assist in facilitating the acquisition of appropriate insurance coverage for the lead.

How to exercise your California rights

If you are a California resident, California law provides you with specific rights regarding your personal information, including the right to request that we disclose certain information to you about the collection and use of your personal information over the past 12 months; the right to request that we delete any of your personal information that we have collected from you, subject to certain exceptions; and the right to opt-out of the “sale” of your personal information, as defined by California law. To make such a request, contact us at privacy@coverwallet.com , by toll-free phone +1 646-844-9933 or by mail at CoverWallet, Inc., 1410 Broadway, 8th Floor New York, NY, 10018. Please note that we are only required to respond to two such requests per customer each year.

Right to Opt-out of the Sale of Your Personal Information

Right to Request Deletion

Right to Access Your Information

You also have the right not to be discriminated against if you exercise any of your rights under California privacy law.

CoverWallet may have collected the following categories of personal information of California residents in the past 12 months:

This information is collected and used for the purposes disclosed in this Privacy Policy. CoverWallet may have sold, rented, released, disclosed, disseminated, made available, transferred, or otherwise communicated any of the above categories of personal information to another business or a third party for monetary or other valuable consideration in the past 12 months.

Communications

For additional information, or if you have questions regarding this Privacy Policy or privacy practices at CoverWallet, Inc., please send correspondence to privacy@coverwallet.com or via postal mail to:

CoverWallet, Inc.

1410 Broadway, 8th floor, New York, NY, 10018.

Privacy Shield – For EU, UK and Swiss personal data that is transferred into the United States

CoverWallet complies with the EU-US and Swiss-US Privacy Shield Frameworks as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union members countries, the UK and Switzerland. CoverWallet has certified that it adheres to the Privacy Shield Principles. If there is any conflict between the policies in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit https://www.privacyshield.gov

For the purposes of compliance with the Privacy Shield the following principles apply to all EU, UK and Swiss data that is transferred into the United States:

Privacy shield

In compliance with the Privacy Shield Principles, CoverWallet, Inc commits to resolve complaints about our collection or use of your personal information. EU, UK and Swiss individuals with inquiries or complaints regarding our Privacy Shield policy should first contact CoverWallet, Inc at: info@coverwallet.com

CoverWallet, Inc has further committed to refer unresolved privacy complaints under the Privacy Shield Principles to an independent dispute resolution mechanism, BBB National Programs. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit https://bbbprograms.org/home for more information and to file a complaint.

If your complaint involves human resources data transferred to the United States from the EU, UK and/or Switzerland in the context of the employment relationship, and CoverWallet does not address it satisfactorily, CoverWallet commits to cooperate with the panel established by the EU data protection authorities (DPA Panel) , the UK Information Commissioner, and/or the Swiss Federal Data Protection and Information Commissioner, as applicable and to comply with the advice given by the appropriate entity, as applicable with regard to such human resources data.  To pursue an unresolved human resources complaint, you should contact the state or national data protection or labor authority in the appropriate jurisdiction.  Complaints related to human resources data should not be addressed to the BBB EU PRIVACY SHIELD.

Contact details for the EU data protection authorities can be found at ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm

Contact details for the UK Information Commissioner’s Office can be found at https://ico.org.uk/make-a-complaint/eu-us-privacy-shield/

Contact details for the Swiss Federal Data Protection and Information Commissioner can be found at www.edoeb.admin.ch/edoeb/en/home/the-fdpic/links/data-protection---switzerland.html

If your Privacy Shield complaint cannot be resolved through the above channels, under certain conditions, you may invoke binding arbitration for some residual claims not resolved by other redress mechanisms. See Privacy Shield Annex 1 at https://www.privacyshield.gov/article?id=ANNEX-I-introduction

Changes to Privacy Policy

This Privacy Policy may be revised at any time to reflect changes in the law or in CoverWallet, Inc.'s business operations. Any changes will be effective immediately upon the posting of the revised Privacy Policy. Sometimes there may be material changes to this Privacy Policy that we want to apply retroactively. If so, we will notify you and obtain your consent to the extent required by law.

Revision Date: May, 2022