Effective Date: January 1, 2023
What types of information we collect depends on the product or Services you have with us.
The information we collect about you may include:
We may supplement the information we collect about you with data from third-parties. This information may include:
We collect personal information about you in the following ways:
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:
CoverWallet, Inc. generally discloses your personal information with the following categories of recipients where necessary to offer, administer, and manage the Services provided to you.
We allow certain companies to place tracking technologies like cookies on our websites. Those companies receive information about your interaction with our websites that is associated with your browser or device and may use that data to serve you relevant ads on our websites or others. For details on how to opt-out of this activity, please visit the Your Rights and Choices section.
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.
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.
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. Where you provide information to us about your beneficiaries, we may require you to provide consent on their behalf.
Depending upon where you reside, you may have the following rights with respect to personal information we have collected about you:
We will not discriminate against you and will not restrict or deny you access to our services because of choices and requests you make in connection with your personal information. Please note, certain choices may affect our ability to deliver our Services. For example, if you sign up to receive marketing communications by email, then ask us to delete all of your information, we will be unable to send you marketing communications. Unless permitted by the CCPA, we will not:
To submit a verifiable request, please email us at firstname.lastname@example.org , by toll-free phone +1 646-844-9933. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you are an authorized agent making a request, we may require and request additional information to protect the personal information entrusted to us, including information to verify that you are authorized to make that request. You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We may also be unable to comply with your request if we have a legal or regulatory obligation to keep your personal information, such as when the information is necessary to complete a transaction. Other reasons your request may be denied are if it jeopardizes the privacy of others, or would be extremely impractical to honor.
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
CoverWallet may have collected the following categories of personal information of California residents in the past 12 months:
Information We Sell: CoverWallet sells leads received from marketing partners and third-party lead sellers to Aon affiliated and non-affiliated entities, and to other lead aggregators. All leads that CoverWallet receives are initially used to broker insurance, however leads of unbound applicants could then be sold to other insurance entities or lead aggregators to assist in facilitating the acquisition of appropriate insurance coverage for the lead.
When you visit CoverWallet websites or apps (collectively, “Sites”), certain information may be collected from your computer in the course of your use of our Sites. As with many websites, we may use both session based and persistent "cookies" and/or other technology (e.g., web bugs, e-mail bugs, clear GIFs, web beacons, tracker GIFs =) in our Sites or in our electronic communications with you to enhance the functionality of our Sites and Services. These technologies also make your transactions and other activities more convenient and efficient.
Because there is not yet a consensus on how companies should respond to web browser-based do- not-track (“DNT”) mechanisms, we do not respond to web browser-based DNT signals at this time. Please note that not all tracking will stop even if you delete cookies.
We may use third-party servicing technology and service providers to serve ads on our behalf across the Internet and sometimes on our Sites. They may collect information about your visits to our Sites, and your interaction with our products and Services. They may also use information about your visits to send you targeted advertisements for goods and services. This information is collected through the use of a pixel tag, or similar technology which is industry standard technology used by most major websites.
We may also share Site usage information about visitors to our Sites with select third parties for the purpose of targeting our Internet banner advertisements on our websites and other websites. To do this, we use web beacons and cookies provided by our third-party ad server on our Site. In connection therewith, such third parties may have access to and use information about your online usage activity. The use of advertising cookies and web beacons sent by such third-party Web servers is standard for commercial activity in the Internet industry.
To understand more about your choices with respect to sharing your personal information for cross-context behavioral advertising and interest based advertising, please see the “Rights and Choices” section below.
We will keep your personal information for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal requirements. It also includes keeping your personal information for so long as there is any possibility that you or we may wish to bring a legal claim, or where we are required to keep your personal information for legal or regulatory reasons. If you wish to receive further information regarding our record retention procedures, please contact us using the contact details provided under the “Contact Us” section below.
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: email@example.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/privacy-shield-complaints/ 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
One Liberty Plaza, Suite 3201
New York, NY 10006
Revision Date: January 1, 2023