Privacy Policy

This Privacy Policy applies to Coverage Care Group LLC, doing business as Coverage Care Group Insurance Agency (collectively, "Coverage Care Group," "Company," "we," "us," or "our").

This Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, submit information through online forms, communicate with us by phone, text, email, or otherwise engage with our services.

This Policy applies to all business conducted under:

• Coverage Care Group LLC
• Coverage Care Group Insurance Agency (DBA)

1. Information We Collect

We may collect the following categories of information:

A. Information You Provide Directly

When you request a quote, complete an application, schedule a consultation, or contact us, we may collect:

• Full name
• Mailing address
• Email address
• Phone number
• Date of birth
• Social Security number (when required for underwriting or carrier submission)
• Health and medical information
• Prescription information
• Household and dependent information
• Financial information
• Employment information
• Any other information voluntarily provided

B. Sensitive Personal Information

Certain insurance applications require the collection of sensitive data, including health and financial information. This information is collected solely for underwriting, enrollment, compliance, and servicing purposes.

C. Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address
• Browser type and version
• Device information
• Pages visited
• Referring URL
• Time and date of access
• Clickstream behavior

D. Cookies & Tracking Technologies

We may use:

• Cookies
• Google Analytics
• Google Ads tracking
• Meta (Facebook) Pixel
• Call tracking software
• CRM tracking tools
• Other digital marketing analytics tools

These technologies help us analyze website traffic, measure ad performance, and improve user experience.

You may disable cookies in your browser settings.

2. How We Use Your Information

We use collected information to:

• Provide insurance quotes and policy recommendations
• Submit applications to insurance carriers or exchanges
• Communicate regarding policy status and servicing
• Schedule appointments
• Respond to inquiries
• Improve website functionality
• Analyze marketing performance
• Prevent fraud and abuse
• Comply with federal and state insurance regulations

We may use anonymized or aggregated data for analytics and business improvement purposes.

3. How We Share Information

We may share your information with:

A. Insurance Carriers & Underwriters

To provide requested insurance products, we share relevant application information with licensed insurance carriers, underwriting partners, and government exchanges.

B. Service Providers

We may share data with trusted third-party vendors providing:

• CRM software
• Marketing automation
• Call tracking
• Email and SMS services
• Payment processing
• Data hosting

All vendors are required to maintain reasonable data security safeguards.

C. Legal & Regulatory Authorities

We may disclose information:

• To comply with legal obligations
• In response to subpoenas or regulatory inquiries
• To protect Company rights, property, or safety
• During a merger, acquisition, or asset transfer

D. With Your Consent

We may share information when you authorize us to do so.

We do not sell your personal information for monetary compensation.

4. Communications & TCPA Consent

By submitting your information through our website or forms, you expressly consent to be contacted by:

• Phone call
• Text message (SMS)
• Email

This may include automated dialing systems and prerecorded messages where permitted by law.

Message and data rates may apply. You may opt out at any time by replying STOP to text messages or contacting us directly.

Consent is not required to purchase insurance products.

5. SMS Consent & Data Collection

When you provide your mobile phone number and opt in to receive text messages from Coverage Care Group LLC, we collect and store your phone number and consent record for the purpose of communicating with you regarding:

• Insurance quotes and consultations
• Appointment confirmations and reminders
• Policy updates and service notifications
• Customer service communications

How We Use Your Mobile Information

Your mobile phone number will only be used to send you communications related to the services you requested.

Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with any third parties, except for messaging vendors and service providers necessary to deliver SMS communications.

Message Frequency

Message frequency may vary but will typically not exceed 4 messages per month, unless additional messages are required for customer support or appointment coordination.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying:

• STOP to unsubscribe
• HELP for assistance

Message and data rates may apply depending on your mobile carrier plan.

SMS Data Retention

We retain SMS consent records and communication logs as required by applicable regulations and carrier requirements.

6. Call Recording

Phone calls with Coverage Care Group LLC and Coverage Care Group Insurance Agency may be recorded for:

• Quality assurance
• Training purposes
• Compliance documentation
• Dispute resolution

By communicating with us by phone, you acknowledge and consent to call recording where permitted by law.

7. HIPAA & Health Information

Where applicable, health-related information may be handled in accordance with HIPAA and applicable state insurance regulations.

We collect only the minimum necessary health information required for underwriting, quoting, or enrollment.

8. Data Security

We implement commercially reasonable safeguards, including:

• Secure CRM systems
• SSL encryption
• Access restrictions
• Vendor security agreements
• Data minimization practices

However, no system can guarantee absolute security.

9. Data Retention

We retain personal information:

• As long as necessary to provide services
• As required by insurance regulations
• For recordkeeping and compliance purposes
• To resolve disputes or enforce agreements

10. Your Privacy Rights

Depending on your state of residence, you may have rights including:

• Requesting access to your data
• Requesting corrections
• Requesting deletion (where legally permitted)
• Opting out of targeted advertising

To exercise these rights, contact us at:

Email: admin@coveragecaregroup.com

We may verify your identity before processing requests.

11. Children's Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from minors.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted with a revised Effective Date.

Continued use of the website constitutes acceptance of the revised policy.

14. Contact Information