Qover Insurance Privacy Policy

Introduction

Welcome to Qover Insurance ("Qover Insurance," "we," "our," or "us"). Qover Insurance is operated by VALCOR GROUP LLC and is the business brand responsible for this insurance marketplace and related customer communications. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our insurance marketplace platform.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the platform.

Information We Collect

Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

• Register on the platform
• Request to be matched with an insurance agent
• Apply to become an insurance agent on our platform
• Communicate with us through our platform

This information may include: name, email address, phone number, zip code, insurance needs and preferences, SMS messaging preferences and consent records, and other information you choose to provide.

Automatically Collected Information

When you access our platform, we automatically collect certain information about your device and usage patterns, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on pages
• Referring website addresses

How We Use Your Information

We use the information we collect for the following purposes:

• To match clients with appropriate insurance agents using our AI-powered matching algorithm
• To facilitate communication between clients and agents through our platform
• To manage your account and provide customer support
• To improve and optimize our platform and services
• To send you important updates, newsletters, marketing communications, and text messages from Qover Insurance when you have consented to receive them
• To comply with legal obligations and protect our rights

Information Sharing and Disclosure

We may share your information in the following situations:

With Insurance Agents

When you request to be matched with an insurance agent, we may share relevant contact and request information with the matched agent solely to respond to your request and provide insurance-related services. Your SMS opt-in consent for Qover Insurance messages is not transferred to agents, third parties, or affiliates for their own marketing or promotional text messages.

With Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, and customer service.

For Legal Purposes

We may disclose your information if required by law or in response to valid requests by public authorities (e.g., a court or government agency).

SMS Consent and Mobile Numbers

If you provide a mobile phone number or consent to receive text messages from Qover Insurance, we use that consent only to send messages you requested or agreed to receive. We do not share, sell, rent, or disclose your mobile phone number, SMS opt-in data, or messaging consent with third parties or affiliates for marketing or promotional purposes.

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.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-out: Opt-out of marketing communications at any time
• Data Portability: Request a copy of your data in a portable format

To exercise any of these rights, please contact us at privacy@qoverinsurance.com.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your activity on our platform. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our platform.

Third-Party Websites

Our platform may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

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