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 & 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 platform, 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 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 e-mail 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 Section 2 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 and other sensitive 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.

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.

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 web sites 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.

Children:

The Services are not intended for anyone under the age of 18. We do not knowingly collect, use or disclose information of children under the age of 18 without the consent of their parents or legal guardians. We will delete any personal information collected that we determine to be from a user younger than the age of 18.

Rights of California Residents:

CoverWallet, Inc. does not share or disclose your personal information to third-parties for the third-parties' direct marketing purposes. Therefore, California's "Shine the Light" law (California Civil Code § 1798.83) does not apply to CoverWallet, Inc..

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.

101 Avenue of the Americas, 18th fl., New York, NY, 10013.

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: Oct 3rd, 2016