Privacy Policy

1. Introduction

Covera Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read this privacy policy carefully.

If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request an insurance quote
• Purchase an insurance policy
• Register for an account on our website
• Contact us for customer support
• Subscribe to our newsletter or marketing communications

This information may include:

• Name and contact information (address, email, phone number)
• Date of birth and Social Security number
• Driver's license number and vehicle information
• Property information (for homeowners insurance)
• Health information (for health insurance)
• Payment and billing information
• Employment and income information

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address and browser type
• Operating system and device type
• Referring URLs and pages viewed
• Date and time of visits
• Cookie data

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide Services: To process insurance quotes, issue policies, handle claims, and provide customer support
• Communication: To send you policy updates, renewal notices, and important account information
• Marketing: To send promotional materials about our products and services (you may opt out at any time)
• Improve Our Services: To analyze website usage and improve our offerings
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Fraud Prevention: To detect and prevent fraudulent activity
• Underwriting: To assess risk and determine appropriate coverage and pricing

4. How We Share Your Information

We may share your information with:

• Insurance Carriers: To underwrite and issue insurance policies
• Service Providers: Third-party vendors who assist us with business operations (payment processors, email services, analytics)
• Legal Authorities: When required by law, subpoena, or court order
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly agree to share information with specific third parties

We do not sell your personal information to third parties for their marketing purposes.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and store certain information. Cookies help us improve your experience, remember your preferences, and analyze site traffic.

You can instruct your browser to refuse all cookies or indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure servers and databases with restricted access
• Regular security audits and updates
• Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Request a copy of your data in a structured, machine-readable format
• Object: Object to processing of your personal information for certain purposes

To exercise these rights, please contact us at Info@coverains.com or call (786) 365-1377.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can delete the information.

9. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us:

• Email: Info@coverains.com
• Phone: (786) 365-1377
• Address: Miami, FL