CoverSavvy Privacy Policy

Introduction

CoverSavvy Insurance Services Inc. (“CoverSavvy” or “we” or “us”) has created this Privacy Policy in order to disclose its collection, use and disclosure of personal information and other data about you by CoverSavvy, its employees, affiliates, and successors and assigns, in connection with its website, applications, software, services, mobile apps, social networking sites, and other CoverSavvy properties or technology displaying or referencing this Privacy Policy (collectively, the “Sites”). This Privacy Policy is effective as of September 14, 2026. Any questions regarding this policy should be directed by email to [email protected]. You may also contact CoverSavvy at 1606 Headway Cir STE 9199, Austin, TX 78754.

If you use the Sites, you acknowledge this policy and the collection, use and sharing of your personal information and data as described herein, and in accordance with the applicable agreements with CoverSavvy, including but not limited to any applicable terms of service and/or End-User License Agreement.

Some CoverSavvy customers may choose to engage CoverSavvy in part as a “processor” under GDPR and/or a “service provider” under US state privacy laws for certain services, and in such case the collection, use and sharing of personal information for the engagement may be governed by the agreement between CoverSavvy and the customer, and the customer’s privacy policy, in addition to or independent of, this Privacy Policy.

Personal Information Collected and Received

CoverSavvy may collect or receive information about each person who visits, utilizes or interacts with the Sites, including, but not limited to, user name, password, first and last name, email address, phone number, occupation, and employment information. When you use our insurance quoting tools, this may also include your work situation, sources of household income, household-income range, and benefit or assistance status. CoverSavvy collects information available to us as part of your interactions with the Sites, as well as other information you provide or you may volunteer. CoverSavvy may also collect information about its customers and any of their employees including contact information and billing/payment information.

We may collect personal information from you at various points, including but not limited to:

• when you contact us or we correspond with you;
• when you visit the website and/or utilize or interact with our Sites, including but not limited to information on/from cookies as described below;
• when you become a customer or register with a Site, including but not limited to when an account is created for you;
• when you provide information, such as user contributed content, blog or social media comments, survey information or join our mailing list;
• when you make a purchase;
• when a Site sends us error reports or collects certain analytics data;
• when engaged by a business to perform services for them or on their behalf; and
• as described to you at or before the time of collection.

When you visit a Site, we may automatically collect certain information, including information about your device such as your web browser, IP address, time zone, and other information on your device in connection with our site. Additionally, we collect information as you browse the website, including the web pages you view, the referral source (such as the page, website or search terms that brought you to the site), and other information about your interactions with our Sites. Such information may or may not be considered personal information.

We may obtain information about you from other sources, including, but not limited to, our affiliates, organizations with a relationship with CoverSavvy (such as customers, carriers, state regulators, prospects and suppliers), social media sites, organizations providing marketing contacts, publicly available databases, and through other third-party services and organizations to supplement information provided by you.

Use and Disclosure of Personal Information

CoverSavvy may use and disclose personal information that we collect or receive about you to:

• deliver the products and services that you have requested or are requested on your behalf;
• use work and household-income answers for eligibility routing, including determining which CoverSavvy quote or coverage path to show before information is shared with an insurer;
• manage the customer relationship and provide you or our customer with support;
• perform analysis about our business, the Sites and/or your use of the Sites;
• communicate with you by e-mail, postal mail, telephone and/or mobile devices, including but not limited to communications about products or services that may be of interest to you;
• enforce our legal rights, terms and conditions, and other agreements;
• manage our business, including but not limited to advertising, billing and payment information; debugging and error fixing, event registrations, improving and expanding the Sites and any services offered; deidentifying personal information, marketing, short term transient uses, and other functions;
• conduct a sale of all or substantially all of our business or assets, which includes the sale, assignment or other transfer of your personal information in connection with such transaction.
• respond to investigation, court orders, legal process, or to investigate, prevent or take action regarding illegal activities, suspected fraud, security of systems or data, or situations involving potential threats to the physical safety of any person, or as otherwise required by law;
• identity verification, auditing transactions and other compliance activities; and
• perform functions as instructed by you or otherwise described to you at the time of collection.

CoverSavvy may use your IP address to, among other things, maintain logs of Site activity, help diagnose problems with a server and to administer the website. Your IP address may also be used to help identify you and your online profile and to gather broad demographic information.

The CoverSavvy Site registration or contact form may require or permit users to give CoverSavvy contact information (such as your name and email address or mobile phone number) and may include demographic information (such as company, title, location). CoverSavvy may use your contact information to send you information you request, information about CoverSavvy and promotional material from some of CoverSavvy’s partners. Your contact information may also be used to contact you for other purposes in our discretion.

Except as described herein, we will not disclose your personal information to any third party unless (i) directed by you; (ii) we are operating on behalf of a customer and we are complying with the customer’s instructions; or (iii) we have notified you of our intent to disclose the information and given you an opportunity to prevent your information from being shared.

From time to time, we may partner with companies based on the interests of our customers, prospects, contacts and users. In such case, we will do so in a manner that respects your privacy and is consistent with the disclosures in this Privacy Policy.

CoverSavvy reserves the right to disclose information when required by law or to uphold our ethical principles.

We use other companies to perform services as part of our operations. In the course of providing these services, those companies may receive, or have access to, your personal information.

We may also use and disclose statements made about CoverSavvy or our Sites, such as feedback, testimonials or reviews, by our customers, users and other contacts.

Other Information

CoverSavvy may collect, use and share other information from your use of the Sites, or other information available to CoverSavvy, provided such information does not individually identify you or otherwise qualify as personal information (or similar) under an applicable law, including but not limited to CoverSavvy deidentifying personal information to create such information. CoverSavvy shall have the right to retain records of such data including, but not limited to, usage, activity logs, and click-throughs. CoverSavvy may disclose such data, whether in the form collected or a derivative form, to third parties provided it is presented in an aggregate and/or deidentified form.

Where we have deidentified personal information covered by a privacy law, we will maintain and use the data only in deidentified form and not attempt to reidentify the data, unless permitted by the applicable law.

CoverSavvy in the course of its business may collect, use and disclose other information, separate from information in connection with the Sites, such as information about customer prospects, employees and employment candidates, vendor employees (i.e., their business contact information), and other information as part of operating its business. Additional information about our use of this personal information and data, to the extent not already covered herein, may be obtained by utilizing the contact information below.

Sale of Personal Information

CoverSavvy does not sell personal information to third parties for valuable consideration, as “sell” is defined under applicable US privacy laws.

Data Retention

We may choose to retain personal information for as long as necessary for the fulfillment of the purposes described herein, unless otherwise restricted by an applicable law.

Whenever applicable, CoverSavvy identifies the purposes for which the information is being collected before or at the time of collection. The collection of your personal information will be limited to that which is needed for the purposes identified by CoverSavvy. Unless you consent, or we are required or permitted by law, we will only use the personal information for the purposes for which it was collected or another purposed described to you at that time. If CoverSavvy will be processing your personal information for another purpose later on, our CoverSavvy will seek your further legal permission or consent; except where the other purpose is compatible with the original purpose.

We will only retain your personal information for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal, regulatory and tax, accounting or other requirements.

In some circumstances you can ask us to delete your personal information (see Your Privacy Rights below).

In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research, statistical or other permitted purposes, in which case we may use this information indefinitely without further notice to you.

Your Privacy Rights

Depending on where you reside, you may have the right to exercise additional rights available to you under applicable laws and receive additional disclosures, including:

In certain states in the United States:

• Access. You may have the right to access your personal data or the categories of personal data that our Company processes.
• Correct/Update. You may have the right to correct and/or update your personal data.
• Erasure. You may have a broader right to erasure of personal data that we hold about you. For example, if it is no longer necessary in relation to the purposes for which it was originally collected. Please note, however, that we may need to retain certain information for record keeping purposes, to complete transactions or to comply with our legal obligations, among other things.
• Data portability. In certain circumstances, you may have the right to be provided with your personal data in a structured, machine readable and commonly used format and to request that we transfer the personal data to another data controller without hindrance.
• Confirm processing. You may have the right to confirm our processing of your personal data.
• Transparency. You may have the right to request additional information not contained in this Privacy Policy. Note: if your US state requires specific privacy disclosures, please see our disclosures above concerning our collection, use and disclosure of personal information as well as the information contained in the California privacy rights section below.
• Sale of Personal Data. You may have the right to opt out of the sale of personal data.
• Cross-contextual behavioral advertising. You may have the right to opt out of the “sharing” of personal data in connection with cross-contextual behavioral advertising.
• Restrict processing. You may have the right to request that we restrict processing of your personal data in certain circumstances. For example, where you believe that the personal data we hold about you is inaccurate or unlawfully held. You may also be able to opt-out of targeted advertising, processing of sensitive data, and profiling in furtherance of decisions that produce legal or similarly significant effects as required by an applicable law.
• Accessibility: You may have the right to additional assistance with your privacy rights. If you are unable to reasonably access this Privacy Policy due to a disability, please contact us via the contact information below so that we may determine how to provide you with alternate notice.

If you would like to exercise any of the above rights, please contact us by email (see our contact details in the “Contacts” Section below). We will consider your request in accordance with applicable laws. To protect your privacy and security, we may take steps to verify your identity before complying with the request.

Where our services are made available to you through an organization (e.g. your employer), that organization is the administrator of the services and is responsible for the accounts and/or service over which it has control. Please direct your data privacy questions to your administrator, as your use of the services is subject to that organization's policies. We are not responsible for the privacy or security practices of an administrator's organization, which may be different from this policy.

CoverSavvy will not discriminate against a data subject for exercising any of its data protection rights.

For reconsideration of our response to your request under any applicable law that provides for an appeal, please request an appeal within the time frame for the appeal notice set forth in the applicable law (or in the event no time frame is provided, then fifteen days) by utilizing the contact information published below.

If you need further assistance regarding your rights, please contact us using the contact information provided below and we will consider your request in accordance with applicable law. There may be exceptions to the foregoing rights and some or all of the above rights may not apply to you. Where a privacy law permits an organization to continue to maintain and/or use personal information for a particular purpose, despite receiving your request, we reserve the right to utilize your personal information for such purpose. In some cases, our ability to uphold these rights for you may depend upon our obligations to process personal data for security, safety, fraud prevention reasons, compliance with regulatory or legal requirements, or because processing is necessary to deliver the services you have requested. Where this is the case, we will inform you of specific details in response to your request.

If you live in a different country, state or other jurisdiction that provides for additional rights or disclosures regarding your personal information, and you wish to exercise those rights or receive those disclosures, please contact us using the contact information below.

How We Store and Process Your Information

The information collected by CoverSavvy may be processed and/or stored in the United States, European Union Member Nations, Canada, or any other country in which CoverSavvy or its affiliates or service providers maintain operations. CoverSavvy may transfer information that we collect, including personal information, to affiliated entities, or to other third parties across borders and from your country or jurisdiction of domicile to other countries or jurisdictions. If you are located in the European Union or other regions with laws restricting transferring of data, please note that we will comply with laws applicable to us.

CoverSavvy may act as a Processor or Subprocessor, and not a Controller, with respect to personal information collected on behalf of customers.  If we are a Processor or Subprocessor with respect to your data, the processing of your data will be set by the Controller and there may be additional or different terms with respect to your data.

International Transfer of your Personal Information to the United States

Any Sites may be hosted and operated in the United States and is subject to United States law. Any personal information that we collect from you may be stored and processed in the United States. If you are accessing the Sites outside of the U.S., you acknowledge the transfer of your personal information to the United States. Please be advised that United States law may not offer the same privacy protections as the law in your jurisdiction.

California Privacy Rights and Disclosures

Below is a list of categories of personal data (from the California Consumer Privacy Act) we have collected and disclosed about consumers for a business purpose in the past 12 months:

Category A: Identifiers;

Category B: Personal Data categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e));

Category C: Protected classification characteristics under California or federal law;

Category D: Commercial information;

Category E: Biometric information;

Category F: Internet or other electronic network activity;

Category G: Geolocation data;

Category H: Sensory data;

Category I: Professional or employment-related information;

Category K: Inferences drawn from other Personal Data to create a profile about a consumer.

The above list does not include information about personal information collected and disclosed while operating as a service provider to our customers.

Personal information may be used and disclosed for business purposes such as ensuring the security of the Sites, performing services on our behalf, short-term transient use, providing advertising and marketing services, technological research and development, and other business purposes.

Service providers and other categories of third parties that may receive personal information under a business purpose include advertising networks, affiliates, data analytics providers, email providers, government entities, insurance carriers, underwriting data providers, internet and other technology service providers, lendors or other financing, payment processors, and social networks.

If the California Consumer Privacy Act, as amended (“CCPA”) applies to your personal information, please also see the section titled “Your Privacy Rights” above.

If you are a California resident, California Civil Code Section 1798.83 permits you to request certain information regarding our disclosure of personal information to third parties for the third parties’ direct marketing purposes. To make such a request, please contact us by sending an e-mail to [email protected].

Our website and/or application are not intended to appeal to minors. However, if you are a California resident under the age of 18, and a registered user of our website and/or application, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. To make such a request, please send an e-mail with a detailed description of the specific content or information to [email protected]. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.

Under California law, California residents who have an established business relationship with us may opt-out of our disclosing personal information about them to third parties for their marketing purposes.

Children’s Privacy

We do not knowingly collect any information from anyone who we know to be under the age of 18. If you are under the age of 18, you should use this website only with the involvement of a parent or guardian and should not submit any personal information to us. If we discover that a person under the age of 18 has provided us with any personal information, we will use commercially reasonable efforts to delete such person's personal information from all systems.

Global Positioning System

Global Positioning System (GPS) tracking technology may need to be enabled in connection with CoverSavvy products and services in order to determine the location (latitude and longitude) of users. We will request your permission prior to precise geolocation tracking. Where authorized, this information is transmitted as necessary for the products and services, which may include transmission to CoverSavvy, its service providers (including hosting provider), and CoverSavvy’s users or clients if necessary as part of the services. This information is only used by CoverSavvy in conjunction with CoverSavvy’s services or otherwise in connection with the reason for its collection or as permitted this Privacy Policy.

Security

CoverSavvy uses industry-standard technologies when transferring and receiving consumer data exchanged between CoverSavvy and other companies to help ensure its security. However, there is no guarantee that your personal information in any system is completely secure.

Links

CoverSavvy may create links to other web sites. Many other sites that are not associated or authorized by CoverSavvy may have links leading to our Sites. CoverSavvy cannot control these links and CoverSavvy is not responsible for any content appearing on these sites.

Cookies and other Tracking Technologies

“Cookies” are small pieces of information that are stored by your browser on your computer's hard drive. The CoverSavvy site uses cookies to keep track of your session or for other functions. CoverSavvy may also use cookies to deliver content specific to your interests.

We may use standard Internet technology, such as web beacons and other similar technologies, to track your use of our sites, services and software. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our users to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.

CoverSavvy may use an outside ad or marketing company in connection with the Sites, including, but not limited to, display of ads or ad technology or marketing technology. These ads may also contain cookies or other tracking technology.

CoverSavvy and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to the CoverSavvy website and/or services. This information allows CoverSavvy and these companies to deliver targeted advertisements and gauge their effectiveness.

Your browsing activity may be tracked across different websites and different devices or apps. For example, we may attempt to match your browsing activity on your mobile device with your browsing activity on your laptop. To do this our technology partners may share data, such as your browsing patterns, geo-location and device identifiers, and will match the information of the browser and devices that appear to be used by the same person.

We may use third-party APIs and software development kits (“SDKs”) as part of the functionality of our Sites. APIs and SDKs may allow third parties including analytics companies and advertising partners to collect your personal data for various purposes including to provide analytics services and content that is more relevant to you.

Advertising Opt-Outs

As described above, we may use your Personal Information to provide you targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt out of targeted advertising by doing so at:

FACEBOOK - https://www.facebook.com/settings/?tab=ads
GOOGLE - https://www.google.com/settings/ads/anonymous
BING - https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.

Marketing Communications Opt-Out

CoverSavvy provides users the opportunity to opt-out of receiving communications from CoverSavvy, except transactional correspondence. To opt-out of receiving our communications, you can send an email to [email protected].

Mobile Opt-In Data

No mobile opt-in data will be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging originator opt-in data and consent, which will not be shared with any third parties.

SMS Terms and Conditions

By opting in to receive messages, the end user agrees to receive communications from CoverSavvy Insurance Services Inc. regarding insurance policy inquiries and responses to client-initiated messages. End users can opt out at any time by replying “STOP” or request more information by replying “HELP.” Message frequency may vary. Message and data rates may apply.

Google Analytics Opt-Out

We use Google Analytics, a service for the marketing analysis of the site provided by Google, Inc. Google Analytics uses cookies to allow us to see how you use our site, so we can improve your experience. Google’s ability to use and share information collected by Google Analytics about your visits to the site is restricted by the Google Analytics Terms of Use available at http://www.google.com/analytics/terms/us.html and the Google Privacy Policy available at http://www.google.com/policies/privacy/. You can prevent Google Analytics from recognizing you on return visits to the site by disabling cookies in your browser. If you prefer to not have data reported by Google Analytics, you can install the Google Analytics Opt-out Browser Add-on available at https://tools.google.com/dlpage/gaoptout.

Do Not Track

Please note that we do not alter our data collection and use practices as a result of a Do Not Track signal from your browser, unless required by an applicable law.

Amendments

CoverSavvy may amend this policy at any time. If CoverSavvy is going to use personal information collected in a manner materially different from that stated at the time of collection, CoverSavvy will notify users via email and/or by posting a notice on the CoverSavvy site for thirty (30) days prior to such use. This Privacy Policy may not be otherwise amended except in a writing that specifically refers to this Privacy Policy and is physically signed by both parties.

Contacts

If you have any questions about this Privacy Policy, the practices of a Site or CoverSavvy or your dealings with us, you can contact [email protected] or write to us at CoverSavvy, 1606 Headway Cir STE 9199, Austin, TX 78754.