Privacy Policy

1. Introduction

CoverMeOnline ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at covermeonline.com (the "Site") and use our insurance quote and lead generation services.

By using our Site, you consent to the data practices described in this policy. If you do not agree with the terms of this privacy policy, please do not access the Site.

2. Information We Collect

We may collect the following types of information:

Personal Information You Provide:

• Full name (first and last)
• Date of birth
• Mailing address (street, city, state, ZIP code)
• Email address
• Phone number
• Insurance preferences and quiz responses
• Any other information you voluntarily submit through our forms

Information Collected Automatically:

• IP address
• Browser type and version
• Device type (mobile, desktop, tablet)
• Operating system
• Pages visited and time spent on each page
• Referring URL
• Click and interaction data

3. How We Use Your Information

We use the information we collect for the following purposes:

• Insurance Quotes: To connect you with licensed insurance agents and carriers who can provide personalized quotes based on your profile
• Communication: To contact you regarding your insurance inquiry via phone, email, or text message
• Service Improvement: To analyze usage patterns and improve our website and services
• Marketing: To send you information about insurance products, promotions, and educational content (with your consent)
• Compliance: To comply with legal obligations and protect our rights

4. Sharing of Information

We may share your personal information with:

• Licensed Insurance Agents: Your quote request information is shared with licensed insurance agents and agencies who can assist you with coverage. By submitting a quote request, you consent to being contacted by these agents.
• Insurance Carriers: Your information may be shared with insurance carriers for underwriting and quoting purposes.
• Service Providers: Third-party companies that help us operate our website, process data, or provide services (e.g., web hosting, analytics, email delivery).
• Legal Requirements: When required by law, subpoena, or other legal process.

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

5. TCPA Consent and Communications

By submitting your information through our quote forms, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to receive:

• Phone calls (including autodialed and prerecorded calls)
• Text messages (SMS/MMS)
• Emails

from CoverMeOnline and our licensed insurance agent partners at the phone number and/or email address you provided, regarding insurance products and services. This consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us directly.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to:

• Remember your preferences
• Analyze site traffic and usage patterns
• Deliver targeted advertising
• Measure the effectiveness of our marketing campaigns

We use Google Analytics and Facebook Pixel for analytics and advertising purposes. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on. You can manage Facebook ad preferences through your Facebook account settings.

7. TrustedForm Certificates

Our quote forms use TrustedForm technology to create independent, third-party documentation of the consent you provide when submitting your information. TrustedForm records a certificate that captures your interaction with our form, including the content displayed and your consent actions. This helps ensure transparency and compliance with consumer protection regulations.

8. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Your 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 information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of marketing communications at any time
• Do Not Sell: California residents may request that we not sell their personal information

To exercise any of these rights, contact us at info@closrtech.com.

10. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale of personal information. To exercise these rights, contact us using the information below.

11. Children's Privacy

Our Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete that information promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

13. Contact Us

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

• Email: info@closrtech.com
• Phone: 1-407-349-3637
• Address: 56 E Pine St Suite 200-C, Orlando, FL 32801