Privacy Policy

**Effective Date:** January 09, 2025

Privacy Statement

At CoverToday Insurance Agency (collectively referred to as "we," "us," or "our"), your privacy is important to us. This Privacy Policy describes how we collect, use, and share your information through our websites (www.CoverToday.com and other affiliated sites), telephone communications (310-299-5555), mobile applications, online advertisements, and other online and offline interactions (our "Systems"). This Privacy Policy applies solely to our Systems and does not extend to third-party sites.

Information We Collect

We collect the following types of information:

1. Information You Provide Directly:

- Personal details: Name, address, email, phone number, date of birth, driver’s license, marital status, and household information.

- Insurance details: Previous policies, coverages, claims history, and payment details.

- Financial and billing information: Social Security number, credit card details, billing address.

- Medical information: Relevant to health-related claims.

- Content you submit: Comments, reviews, photos, or other content.

2. Information Collected Automatically:

- Device details: IP address, browser type, operating system, and device identifiers.

- Usage data: Pages viewed, search queries, and activities performed on our Systems.

- Cookies and similar technologies: To enhance your experience and analyze usage.

3. Information from Third Parties:

- Consumer reporting agencies: Credit history, driving records, and claims data.

- Insurance-support organizations: Data to assist with policy underwriting and claims.

- Business partners: Information to process transactions.

How We Use Your Information

We use your information to:

- Provide insurance quotes, process applications, and manage policies.

- Communicate with you about your account, policy updates, and marketing offers.

- Analyze and improve our services, products, and Systems.

- Conduct marketing and advertising campaigns, including retargeting.

- Ensure the security of our Systems and comply with legal requirements.

- Prevent fraud, unauthorized access, and criminal activities.

- Create anonymized or aggregated data for analytical purposes.

How We Share Your Information

We share your information in the following ways:

1. With Service Providers:

- Entities that assist in policy processing, claims management, and customer communications.

2. With Affiliated Companies:

- For marketing, research, or operational purposes.

3. With Non-Affiliated Third Parties:

- Business partners, as permitted by law, to provide financial services or products.

4. For Legal or Safety Reasons:

- To comply with legal obligations, protect our rights, or respond to regulatory inquiries.

5. With Your Consent:

- For additional uses that require explicit approval.

Your Privacy Choices

1. Opt-Out of Marketing Communications:

You may unsubscribe from marketing emails by following the instructions in our emails or contacting us at 310-299-5555.

2. Limit Sharing of Personal Information:

Residents of California and certain other states may have additional rights. Contact us for details about opting out of data sharing.

3. Manage Cookies:

Adjust your browser settings to limit the use of cookies. Note that disabling cookies may affect website functionality.

Security of Your Information

We use industry-standard measures to protect your data. However, no method of transmission over the Internet or storage is completely secure. Please contact us immediately if you believe your information has been compromised.

Children’s Privacy

Our services are not intended for children under 13. If we become aware that we have collected personal information from a child, we will delete it promptly.

State-Specific Rights

California Residents: Under the California Consumer Privacy Act (CCPA), you have the right to request information about how your data is used, deletion of your personal data (subject to exceptions), and opt-out of the sale of your personal information.

Nevada Residents: To opt-out of the sale of your personal data, email us at email@covertoday.com.

Other States: Residents of states with specific privacy laws (e.g., Vermont, Montana) may have additional rights. Contact us to learn more.

Updates to This Privacy Policy

We may update this Privacy Policy periodically. The date of the most recent update is listed at the top of this document. Please review it regularly to stay informed.

Contact Us

If you have questions or concerns about our Privacy Policy or practices, contact us at:

**Phone:** 310-299-5555

**Email:** email@covertoday.com

**Mail:** CoverToday Insurance Agency, 272 S Rampart Blvd #A, Los Angeles, CA 90057

1. Terms of service for SMS

Types of SMS Communications:
If you have consented to receive text messages from CoverToday Insurance Agency,, you may receive messages related to the following:

Appointment reminders
Follow-up messages
Billing inquiries
Promotions or offers (if applicable)

Example: "Hello, this is a friendly reminder of your upcoming appointment with. Reply STOP to opt out of SMS messaging at any time."

Message Frequency:
Message frequency may vary depending on the type of communication. For example, you may receive up to 1 SMS messages per week related to your policy.

Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method:
You may opt-in to receive SMS messages from CoverToday Insurance Agency inthe following ways:

Verbally, during a conversation
By submitting an online form
By filling out a paper form

Opt-Out Method:
You can opt-out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at 310-299-5555

Additional Options:

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

Standard Messaging Disclosures:

Message and data rates may apply.
You can opt out at any time by texting "STOP."
For assistance, text "HELP" or visit our https://www.covertoday.com/privacy-policy and https://www.covertoday.com/sms-terms-and-conditions pages.
Message frequency may vary.

Underwriting Steps we Take to Corectly Rate Applicants Policy.

Thank you for choosing a CoverToday Insurance Agency for your insurance needs. Our goal is to provide you with an outstanding insurance experience at a competitive price.

When you quote, buy, renew or make changes to your policy, we obtain information from you and other sources. This may include information from your driving history, comprised of motor vehicle reports and claims reports, as well as credit reports. This allows us to give you a rate that better reflects your individual risk factors.

Under the federal Fair Credit Reporting Act, an insurer is required to send its customers a notice of "adverse action" if the insurer uses certain information from outside sources and, based on that information, the insurance is denied or cancelled, or there is an increase in the charge for the insurance.

Some state laws require the notice when the customer is not placed in the insurer's very best rating category, even though this information may place a customer in an excellent rating category and, in many cases, actually improve the customer's rate.

We are providing this notice to comply with these legal requirements to notify you, and to help you understand better the information we use.
If you believe the information we used is incorrect or incomplete, or if you have questions about our use of this information, please refer to the procedures under the heading, "What should I do if I have a question?"

Description of the action taken:
You were not given our best underwriting or rating classification.

What was the effect of the action?We did not give you our lowest premium due to driving or claims history information shown on the enclosed driving

history notice.

Who took the action?
The action was taken by CoverToday Insurance, which underwrote, priced and issued the policy, using consumer reports

Who provided the information?
Driving history information was provided by:

LexisNexis Risk Solutions

P.O. Box 105108Atlanta, GA 30348-5108 1-800-456-6004 www.consumerdisclosure.com

Claims information was provided by:

LexisNexis Risk Solutions

P.O. Box 105108Atlanta, GA 30348-5108 1-800-456-6004 www.consumerdisclosure.com

What should I do if I have a question?

If you have a question about the information in your driving history, please contact the vendor who provided the information as shown above. You may obtain a free copy of your motor vehicle report (contains driving history information) for 60 days after you receive this notice. You may also dispute the report's accuracy or completeness with the vendor who provided the information. If your question concerns our use of information in your driving history or if you need assistance with obtaining the report, please call Customer Service at 310-299-5555

If you have a question about the information in your claims history, please contact the vendor who provided the information as shown above.
You may obtain a free copy of your claim report for 60 days after you receive this notice.
You may also dispute the report's accuracy or completeness with the vendor who provided the information. If your question concerns our use of information in your claims history report, or if you need assistance with obtaining the report, please call Customer Service at 310-299-5555

The consumer reporting agencies who provided us with information about you did not make the underwriting and rating decision described in this notice, and cannot explain why the action was taken. If the information in a report is incorrect, you may call Customer Service for a review of your premium after the report has been corrected by the consumer reporting agency.

Since information contained in your consumer reports affects your premium, it is important for you to ensure that information in the reports is accurate.

How can I get more information?

For 90 business days after we send this notice, you may obtain in writing the specific information supporting our reasons for this action, if the information is not stated above or protected from disclosure by law.