Please also review the Terms & Conditions that govern your use of our Services.
With respect to personal data received or transferred pursuant to the Privacy Shield Frameworks, CoverWallet is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).
1. Information we collect
What types of information we gather and share depends on the product or Services you have with us. This information could include:
- Your name, contact information, driver’s license number and social security number;
- Your date of birth, gender, and marital status;
- Your log-in information when you log into our platform;
- Business ownership information, including profit sharing and ownership interests; and
- Your payment history and claims information.
If you use our platform, we may also collect information about the browser you are using. This information can include:
We may supplement the information we collect about you with data from third-parties. This information may include:
- Information from other sources such as financial records, employment history, medical records or other third-party data; and
- Information from other reporting agencies, state and federal government agencies, such as state motor vehicle departments and credit reporting agencies.
2. How do we use the information we collect?
We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:
Regular Business Purposes
We use the information you provide to update your account(s), process or service requested or authorized transactions, secure quotations for insurance, obtain insurance coverage or report or process claims.
For Our Own Analytic Purposes
CoverWallet, Inc. may also use your information to develop new Services, conduct research and to create anonymous or aggregated reporting for its own use.
For Our Own Marketing Purposes
CoverWallet, Inc. may use your information to offer products or Services to you.
To Comply with Legal Requirements
It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations or court orders. We may share information pursuant to a governmental agency or investigatory body request.
Please be aware that CoverWallet may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements. Under certain circumstances CoverWallet may remain liable for the acts of Third Parties who perform services on our behalf for their handling of Personal Data that we transfer to them.
3. How is your information shared?
CoverWallet, Inc. does not share, sell, rent or otherwise distribute your personal information except:
With Our Service Providers and Business Partners
We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this site, sending e-mail messages, and making phone calls. These parties are contractually restricted from using any personal information for purposes other than providing services for CoverWallet, Inc. or on our behalf.
For Administrative and Legal Reasons
See Section 2 above. Additionally, CoverWallet, Inc. also reserves the right to disclose or use information if it has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or liability of CoverWallet, Inc. or its affiliates, other users of this platform, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third-parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security or technical issues; or (f) respond to an audit.
With Business Partners
We disclose personal and other sensitive information, as necessary, in providing our products and services. In order to sell, solicit, and negotiate insurance, we may disclose your information 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.
Under certain circumstances CoverWallet may remain liable for the acts of Third Parties who perform services on our behalf for their handling of Personal Data that we transfer to them.
4. How can you limit the sharing of your data?
CoverWallet, Inc. respects your privacy and your right to limit the sharing of your information. The following identifies ways in which you can limit the sharing of your information and data:
- Sharing for affiliates’ everyday business purposes;
- Affiliates from using your information to market to you; and
- Sharing for non-affiliates to market to you.
- State laws may give you additional rights to limit sharing.
- You can also opt out of receiving marketing emails by following the instructions in any marketing email or text message you receive.
For more information on how to reject or delete cookies, you should consult with your browser’s or device’s help documentation or visit www.aboutcookies.org. At this time, CoverWallet, Inc. does not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. You can also opt out of internet-based advertising by installing a browser plugin from third-parties where available.
We will provide an individual opt-out or opt-in choice before we share their data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected or subsequently authorized.
To limit the use and disclosure of your personal information, please submit a written request to firstname.lastname@example.org
5. What steps does CoverWallet, Inc. take to protect your information?
CoverWallet protects your personal/private information through the use of encryption technology. We use industry standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmitted over the Internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.
6. Additional concerns
Updating and Correcting Your Information
Keeping your information accurate and up-to-date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting your account manager.
CoverWallet acknowledges that pursuant to the Privacy Shield Frameworks, EU and Swiss individuals have the right to access the personal information that we maintain about them. An EU or Swiss individual who seeks access, or who seeks to correct, amend, or delete inaccurate data, should direct their query to email@example.com. If requested to remove data, we will respond within a reasonable timeframe.
Continued Use of Information:
External Links and Third-party Privacy Policies
The Services are operated in the United States and intended for users located in the United States. If you access this site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. Furthermore, you acknowledge that the United States may not provide the same level of protections as the laws of your country.
The Services are not intended for anyone under the age of 18. We do not knowingly collect, use or disclose information of children under the age of 18 without the consent of their parents or legal guardians. We will delete any personal information collected that we determine to be from a user younger than the age of 18.
Rights of California Residents
CoverWallet, Inc. does not share or disclose your personal information to third-parties for the third-parties’ direct marketing purposes. Therefore, California’s “Shine the Light” law (California Civil Code § 1798.83) does not apply to CoverWallet, Inc..
101 Avenue of the Americas, 16th fl., New York, NY, 10013.
Revision Date: March, 2018
In compliance with the Privacy Shield Principles, CoverWallet, Inc commits to resolve complaints about our collection or use of your personal information. EU and Swiss individuals with inquiries or complaints regarding our Privacy Shield policy should first contact CoverWallet, Inc at: firstname.lastname@example.org
CoverWallet, Inc has further committed to refer unresolved privacy complaints under the Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit www.bbb.org/EU-privacy-shield/for-eu-consumers for more information and to file a complaint.
If your complaint involves human resources data transferred to the United States from the EU and/or Switzerland in the context of the employment relationship, and CoverWallet does not address it satisfactorily, CoverWallet commits to cooperate with the panel established by the EU data protection authorities (DPA Panel) and/or the Swiss Federal Data Protection and Information Commissioner, as applicable and to comply with the advice given by the DPA panel and/or Commissioner, as applicable with regard to such human resources data. To pursue an unresolved human resources complaint, you should contact the state or national data protection or labor authority in the appropriate jurisdiction. Complaints related to human resources data should not be addressed to the BBB EU PRIVACY SHIELD.
Contact details for the EU data protection authorities can be found at ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm
Contact details for the Swiss Federal Data Protection and Information Commissioner can be found atwww.edoeb.admin.ch/edoeb/en/home/the-fdpic/links/data-protection—switzerland.html
Finally, as a last resort and in limited situations, EU and Swiss individuals with residual complaints may seek redress from the Privacy Shield Panel, a binding arbitration mechanism.