Privacy Policy
This Privacy Policy was last revised on August 27, 2023.1. IntroductionData privacy is very important to With Coverage. This Privacy Policy (“Privacy Policy”) details how we collect, share, and otherwise process information relating to individuals on our Website and mobile application (our “Services”), as well as when you call or otherwise interact with us. This Privacy Policy also lets you know about your privacy rights and options you may have regarding our processing of Personal Information.References to “you” mean any person submitting any data, personal or otherwise, on this Website.This Privacy Policy applies to With Coverage, Inc., a Delaware Corporation, which does business as “With Coverage” in all states, as well as to our subsidiary agency With Coverage Insurance Services LLC (collectively, “With Coverage,” “we,” or “us”).This Privacy Policy is additional to and does not supplant or supersede our Terms of Service, which can be found at https://www.withcoverage.com/terms.Please read this Privacy Policy carefully. If any term in this Privacy Policy is unacceptable to you, please do not use the Website or provide us with any Personal Information.2. What is Personal Information?Personal Information is generally information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person (for example, name, address, telephone number, Social Security number, and driver’s license number.)3. Collection of Your Information(a) Information you provide directly to us. With Coverage may collect information about you in order to underwrite, sell, solicit, and negotiate insurance products and services. This may include the following information, not all of which is necessarily Personal Information under U.S. privacy laws:- Your first and last name; phone number (both work and personal); home address; employment address; email address (both work and personal); date of birth; gender; any online profile you may have, including your Facebook, LinkedIn, or Google+ accounts; your social security number, driver’s license number, marital status, financial data, educational background, and employment history.
- Any information you submit to us when/if you get in touch with our customer service team via contact form at With Coverage, email, chat, phone, or other means.
- Information associated with your social media or other online account, such as your public profile and email address connected to those accounts, when you access our Website through such an account (such as by clicking on our advertisement through your social media account). Your activity on social media platforms or other online accounts are governed by the privacy policies of those other companies. These companies will be able to tell you more about how they use and process your data.
- Any information you submit when writing a review about the products you have purchased. Please note that submitting an online review of a product is public and generally accessible to, and may be collected and used by, third parties. With Coverage cannot control, and is not responsible for, any collection or distribution by third parties of Personal Information that is published on a public forum.
- Your activity on our Website, such as page views, order information, or information provided when requesting insurance quotes or surveys.
- Information collected using automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.
- Criminal background of business owners; history of bankruptcy, tax, or credit liens; history of lawsuits related to poor workmanship, construction defects, water intrusion, or mold/fungi; and information relating to insurance or employee benefit programs.
- Any other information you voluntarily provide us.
- Underwrite, sell, solicit, and negotiate insurance products and services.
- Process your order.
- Contact you regarding your account, your orders, upcoming and/or failed payments, renewals, and endorsements, or for any other important reason concerning your transactions with With Coverage.
- Provide you with a requested quote or offer goods and services of a third-party vendor. When you submit contact information to us as part of an attempted or completed request for a quote or offer for goods and services, you consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services.
- Contact you with relation to our Services and products or services offered through our Services if you expressly provide us with your contact information in connection with our Services or the products or services offered through our Services.
- Provide you with information and/or services you request.
- Determine eligibility and process applications for products and services.
- Inform you regarding products and services we may offer.
- Communicate, service, and bill accounts or clients.
- Inform the research and development of new products and services.
- Analyze claims data or other data to (i) respond to your questions or provide you information that you request; (ii) provide you with products, services, or subscriptions that you select, including associated benefits; (iii) carry out our obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection; (iv) present our Website and its contents to you; (v) help dynamically generate content on web pages or in newsletters; (vi) store information about your preferences, so we can better personalize your content; and (vii) conduct other commercial purchases, including advertising and product development.
- Obtain and update insurance or credit information with appropriate third parties, such as credit reporting agencies.
- Monitor and administer accounts and the services thereto.
- Conduct employee and other training.
- Perform market analysis, analytics, advertising and marketing of products and services to you, or to facilitate advertising and marketing.
- Fulfill contractual obligations.
- Comply with or satisfy a legal or regulatory requirement.
- 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 (“Disclosure”). Additionally, to guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing our compliance with industry standards, and our attorneys, accountants, and auditors.
- With your affirmative consent, to third parties who assist us in operating our Website, conducting our business, or servicing you, including marketing and advertising.
- As permitted by law, to third party insurance rate advisory organizations and other organizations who compile commercial databases of insurance and financial information which may include premium and loss data, vehicle history, name, address, ownership structure, liens, judgements, and payment history.
- To comply with the law, enforce our Website policies, or protect our or others’ rights, property, or safety.
- If we are required to do so or have the good faith belief that such action is necessary to conform to the edicts of the law or comply with legal process or request served on With Coverage.
- When necessary or appropriate to prevent physical harm or financial loss, in connection with an investigation of suspected or actual illegal activity.
- As required for company audits or to investigate a complaint or security threat.
- To a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings)
- To enforce or apply our Website policies and/or other agreements, including for billing and payment collection purposes, or to protect the rights, property, or safety of With Coverage or our customers, or others. This may include an exchange of information, including your Personal Information, to other companies and organizations for the purposes of fraud protection and credit risk reduction.
- For any other purpose you have consented to when required by applicable law and regulations.
- To our service providers which are contractually restricted from using or disclosing your information except as necessary to perform services on our behalf or to comply with legal requirements.
- To our service providers which are contractually restricted from using or disclosing your information except as necessary to perform services on our behalf or to comply with legal requirements.
- No mobile information will be shared with third parties for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. The Opt in is not transferable to another party involved in the process.
- How long the record is needed to provide you with the products and services you request.
- How long the record is needed to support and enhance our operational processes.
- How long the record is needed to protect our rights and legal interests.
- How long the record must be retained to comply with applicable laws and regulations.
| Category | Sources | Purpose of Processing |
|---|---|---|
Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers. | Website form; telephone discussions; other direct communications with you. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.It is also necessary to:
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Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, your name, signature, social security number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. | Website form; telephone discussions; other direct communications with you. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.It is also necessary to:
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Characteristics of protected classifications under California or federal law, including: familial status, disability, sex, national origin, religion, color, race, sexual orientation, gender identity and gender expression, marital status, veteran status, medical condition, ancestry, source of income, age, or genetic information. | Website form; telephone discussions; other direct communications with you; through social media interactions; through databrokers. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.For accessibility purposes in support of visits to our offices. |
Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Website form; telephone discussions; other direct communications with you. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations |
Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding the consumer’s interaction with an Internet Web site, application, or advertisement. | Online automated technologies, including web server logs that compile IP addresses, web beacons, and cookies. | Provision of high-quality and tailored services to you;Maintaining the security and integrity of our electronic systems. |
Geolocation data. | Online automated technologies, including web server logs that compile IP addresses, web beacons, and cookies. | Provision of high-quality and tailored services to you;Maintaining the security and integrity of our electronic systems. |
Audio, electronic, visual, or similar information. | Recorded phone calls with our customer service representatives; CCTV. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations, as well as for quality control and training purposes and for security purposes. |
Professional or employment-related information. | Website form; telephone discussions; other direct communications with you. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations. |
Inferences (defined as “the derivation of information, data, assumptions, or conclusions from facts, evidence, or another source of information or data”) drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | Data analytics partners. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Provision of high-quality and tailored services to you. |
| Category | Sources | Purpose of Processing |
|---|---|---|
Social security, driver’s license, state Identification card, or passport number. | Website form; telephone discussions; other direct communications with you. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contracts;Performance of our legal obligations. |
Account log-In, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account. | Website form; telephone discussions; other direct communications with you. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contracts;Performance of our legal obligations. |
Precise geolocation information. | Direct communications with you via our mobile application. | Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contracts;Performance of our legal obligations. |
Racial or ethnic origin, religious or philosophical beliefs, or union membership. | Website form; telephone discussions; other direct communications with you. | Performance of our legal obligations.For accessibility purposes in support of visits to our offices. |
- Right to access/know. You have the right to know and request information about the categories and specific pieces of Personal Information we have collected about you within the last 12 months, as well as the categories of sources from which such information is collected, the purpose for collecting such information, and the categories of third parties with whom we share such information. You also have the right to know if we have sold or disclosed your personal information.
- Right to correct. You have the right to request we correct any mistakes in your Personal Information or update your preferences; we may also not be able to accommodate your request if we believe it would violate any law or legal requirement or cause the information to be incorrect; data solely retained for data backup purposes is generally excluded.
- Right to delete.You have the right to request the deletion of your Personal Information, subject to certain exceptions.
- Right to non-discrimination. You have the right to not be discriminated against for exercising any of the above-listed rights. We may, however, provide a different level of service or charge a different rate reasonably relating to the value of your Personal Information.
- Right to limit use and disclosure of Sensitive Personal Information. You have the right to limit the use of and disclosure of your Sensitive Personal Information With Coverage collects or maintains, to only those purposes necessary to provide our Services (but we do not use sensitive personal information for any purpose that is not necessary to provide our Services).
- Opt-out of the sale or sharing of personal information. We do not sell your Personal Information to or share your Personal Information with third parties for cross contextual advertising, nor do we intend to, as those terms are defined by applicable state privacy law, including in California. We also have not done so for the last 12 months.