Privacy Policy
At CoverDad, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information.
1. Introduction
CoverDad ("we," "our," or "us") is a licensed insurance agency committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
Our Business Model: As a licensed insurance agency, we connect customers with life insurance carriers and earn commissions on policies purchased through our agency relationships. This commission-based model is standard in the insurance industry and does not affect the premium rates you pay—carrier pricing is the same whether you purchase through CoverDad or directly from the carrier.
2. Information We Collect
2.1 Information You Provide
- Coverage calculation inputs (age, income, debts, etc.)
- Contact information if you choose to reach out
- Preferences and settings you configure
2.2 Automatically Collected Information
- Browser type and version
- Device information and operating system
- IP address and location data (general)
- Pages visited and time spent on our site
- Referring website and search terms
2.3 Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience. See our Cookie Policy for more details.
3. How We Use Your Information
We use the collected information to:
- Provide and maintain our services
- Calculate personalized life insurance estimates
- Improve and optimize our website and tools
- Analyze usage patterns and trends
- Communicate with you about our services
- Connect you with insurance partners (including Eleos Life, HoneyQuote, and ERGO Next) when you request quotes or coverage
- Facilitate insurance applications and policy purchases through our licensed agency relationships
- Earn commissions from carriers on policies you purchase through our connections
- Comply with legal obligations and insurance industry regulations
4. How We Share Your Information
Important: As a licensed insurance agency, sharing certain information with insurance carriers is necessary to obtain quotes, process applications, and facilitate policy purchases. This is standard industry practice and enables us to provide our services.
We may share your information with:
- Insurance Partners: When you request quotes or apply for coverage, we share relevant information (such as age, health information, coverage needs) with our partners including Eleos Life, HoneyQuote, and ERGO Next to generate quotes and process applications. As a licensed agency, we earn commissions from these partners when you purchase policies.
- Service Providers: Third-party services that help us operate our website, process payments, or provide analytics
- Legal Requirements: When required by law, court order, or insurance regulatory authorities
- Business Transfers: In connection with a merger, sale, acquisition, or transfer of our agency assets
We never sell your personal information to third parties for marketing purposes. Data shared with insurance carriers is solely for the purpose of providing quotes, processing applications, and fulfilling our role as a licensed insurance agency.
5. Data Security
We implement industry-standard security measures to protect your information, including encryption, secure servers, and access controls. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
6. Your Privacy Rights
Depending on your location, you may have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your information
- Opt-out of certain data processing
- Data portability
- Object to processing of your information
7. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
8. Third-Party Links and Insurance Carrier Websites
Our website may contain links to third-party websites, including insurance partners we work with such as Eleos Life, HoneyQuote, and ERGO Next. When you click through to complete an application or purchase a policy, you will be subject to their respective privacy policies and terms of service.
We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information. As your licensed insurance agency, we facilitate the connection but do not control how carriers handle your information once submitted to them.
9. Updates to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. Your continued use of our services after any modifications indicates your acceptance of the updated policy.
10. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
Email: privacy@getcoverdad.com
Address: CoverDad Privacy Team, [Your Address]
11. GDPR & CCPA Compliance
If you are a resident of the European Economic Area (EEA) or California, you have additional rights under GDPR and CCPA, respectively. These include the right to access, correct, delete, and port your data, as well as the right to object to certain processing activities.