Privacy Policy

This Privacy Policy outlines Cover's handling of personal information in our business practices, including on our websites (referred to as "Services"), and in other interactions with us. Our Terms of Service are also included. By accessing our Services, you agree to this Privacy Policy.

Information We Collect

The types of information that Cover collects includes, but is not limited to, the following categories below. We receive this information from consumers who provide this information directly to us.

• Contact Information such as your full name, email address, phone number, and physical address 

• Demographic Information such as your gender, age and date of birth, for example, to tailor our future Services to you and to verify your age for certain age-restricted activities

• Device Information such as geolocation, if you allow us access to your location through your device permissions, to provide our future Services to you at a convenient location

Information We Collect Automatically

As is true of most websites and applications, Cover’s website collects certain information automatically and stores it in log files for security, maintenance, and analytics purposes, or otherwise to develop and improve our Services. This information may include, but is not limited to:

• Internet protocol (IP) addresses,

• The region or general location where your computer or device is accessing the internet,

• Browser type, operating system and other usage information about the use of Cover’s website, including a history of which pages within Cover’s website you view.

Cookies and Tracking Technologies

Cover works with service providers to provide its website. Cover and these services use cookies, which are small files that are stored on and sent by your device when you access our website. Cover and our service providers may use session cookies (which are destroyed when you close your application or web browser) or persistent cookies (which you can choose to delete from your device or computer). Cover and our service providers use cookies to enable the functionality of the webpage (for example, ensuring a pop-up does not appear repeatedly), provide fillable forms, enhance site navigation, assist with our marketing efforts and provide analytics services, which help us understand the number of visitors and how visitors use the webpage and app. By using your browser settings, you may block cookies or adjust settings for notifications when a cookie is set. Your interactions with the service providers are governed by their terms of service.

We may combine information that we receive from the various sources described above for the purposes identified in this Privacy Policy.

How We Use Information

We may use the information collected for the following purposes:

• To provide, maintain and improve our Services

• For marketing, research and analytics

• To develop new products and Services

• To protect the rights and property of Cover, our users, and others

• To detect, prevent, and respond to fraud, abuse, and security issues

• To comply with legal, regulatory or contractual requirements

• To carry out any other purpose described to you at the time the information was collected.

Communications with you in connection with these uses may be via mail, telephone, email, text message and other electronic messages, through our websites

How We Share Information

Cover may share the information it collects about you in the following circumstances:

• Within Cover and our current and future parents, affiliates, subsidiaries and other companies under common control and ownership

• With our trusted services providers who work on our behalf

• With your consent, including if you intentionally interact with third-parties on our site

• In connection with the sale, transfer or financing of a significant part of Cover business or its assets, including any such activities associated with a bankruptcy proceeding

• When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a law enforcement request

• As required by law, such as in conjunction with a subpoena, government inquiry, litigation, dispute resolution or similar legal process

How Long We Keep Information

We may keep the information we collect for as long as reasonably necessary to provide our Services to you, to operate our business, develop or improve the Services, to enable us to communicate with you, for our safety, research, evaluation of use, or troubleshooting purposes, or to satisfy our legal or contractual obligations. Where required, we will anonymize or dispose of the information we collect when we no longer need it for the uses described above.

Do-Not-Track

Your browser or device may include “Do-Not-Track” settings or functionality. Currently, our systems do not recognize browser “Do-Not-Track” requests. The information collection and disclosure practices, and the choices that we provide to customers, will continue to operate as described in this Privacy Policy, whether or not a Do-Not-Track signal is received. However, you may disable certain tracking on our Sites, as discussed in this section (e.g., by disabling cookies), and you may opt-out of certain third party ad networks.

Security

We take reasonable administrative, technical, and physical security measures to protect your personal information and to ensure that it is used in accordance with this Privacy Policy.

Third Party Links and Services

Our Services may contain links to third-party websites that are not owned or controlled by Cover. Cover has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. If you visit such sites, your activities and the collection, use, and disclosure of information will be subject to the privacy policies and terms of the third-party websites or services, and not this Privacy Policy. We recommend that you read the privacy policies of these third parties.

Your Choices

You can make a request to access and change your personal information we store by contacting us via email, at privacy@cover.ai. To further protect privacy, these requests are subject to identity verification.

If you would like to update your preferences, or opt out of marketing communications from us, you may do so at any time by contacting privacy@cover.ai, or by following the opt out instructions in the marketing communications. Please note that we may continue to send non-promotional communications such as important notices and transaction-related emails and other information about your use of the Services.

California Residents

California residents have a right to knowledge, access, and deletion of their personal information under the California Consumer Privacy Act (CCPA).

California residents also have a right to opt out of the sale of their personal information by a business, however Cover does not sell personal information.

When we say “Personal Information” in this disclosure, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. Personal Information does not include information that is aggregated or information that cannot be reasonably linked to you.

Cover provides notice of our data practices throughout this Privacy Policy. This includes the categories of personal information we may collect, the categories of sources of personal information, the purposes of use, as well as the categories of parties with whom Cover may share personal information in the past 12 months.

Your California Rights and Choices

This section describes the CCPA rights that you may have and explains how to exercise those rights. You have a right not to receive discriminatory treatment for exercising these privacy rights and Cover does not discriminate in response to privacy rights requests.

Right to Know About Personal Information Collected, Used, or Disclosed

You have the right to request up to twice in a 12-month period that we disclose certain information to you about our collection, use and disclosure of your Personal Information over the past 12 months. Once we receive your request, verify your identity and determine that we have your information, we will disclose to you the information you request in the following areas: (1) the categories of Personal Information we collected about you; (2) the categories of sources for the Personal Information; (3) our business or commercial purpose for collecting that Personal Information; (4) the categories of third parties with whom we shared that Personal Information; and (5) the specific pieces of Personal Information we collected about you in the preceding 12 months.

Right to Delete Personal Information Collected or Maintained

You have the right to request that we delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive your request, verify your identity and determine that we have your information, we will delete your Personal Information from our records, unless an exception under the CCPA applies. In our response to your request to delete, we will specify the manner in which we have deleted your Personal Information or, if we must deny your deletion request, the basis for this refusal.

CCPA Privacy Choices With Other Companies

Please note that the privacy choices described above apply specifically to Cover and the personal information that Cover collects about you. We do not control the privacy practices of other companies, and therefore if you would like for your privacy choices to apply to other companies or to the personal information that we may hold as their service provider, then you will need to reach out directly to the other companies and submit your requests.

California “Shine The Light” Disclosure

Pursuant to California Civil Code Section 1798.83, we do not disclose information of consumers from whom we directly collect data to third parties for the third parties’ direct marketing purposes.

Changes to this Policy

This policy may change from time to time and any revised Privacy Policy will be posted at this page, so we encourage you to review it regularly. If we make changes, we will notify you by revising the date at the top of this Privacy Policy and, in the case of materials changes to the Privacy Policy, we may provide you with additional notice (such as a notice in our user interface or sending you a notification by email). By continuing to access and/or use the service after the effective date of a revised Privacy Policy, you agree to be bound by the revised Privacy Policy.

Contact Us

You may contact us at privacy@cover.ai if you have any questions or comments about this Privacy Policy.