Qover Terms and Conditions and Privacy Notice

Terms and Conditions

Effective Date: September 3, 2026

These Website Terms and Conditions ("Terms") are a binding agreement between you and Valcor Group, LLC dba Qover ("Qover," "Valcor," "we," "us," or "our"). These Terms govern your access to and use of qoverinsurance.com and any other website, online service, application, or digital interface owned, operated, or made available by Qover that links to these Terms (collectively, the "Website"), together with the information, tools, features, and insurance agency services made available through the Website (collectively, the "Services").

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY. BY CLICKING A BUTTON OR CHECKING A BOX THAT REFERENCES THESE TERMS, CREATING AN ACCOUNT, SUBMITTING A REQUEST, QUOTE INQUIRY, OR APPLICATION THROUGH THE WEBSITE, OR USING THE WEBSITE AFTER RECEIVING CONSPICUOUS NOTICE OF THESE TERMS, YOU AGREE TO BE BOUND BY THEM. SECTION 14 REQUIRES MOST DISPUTES TO BE RESOLVED THROUGH INDIVIDUAL ARBITRATION AND INCLUDES A CLASS-ACTION WAIVER. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE WEBSITE.

1. SCOPE AND ELIGIBILITY

These Terms apply to Qover's public-facing Website and Services across the insurance products and lines of business that Qover may offer or support. Additional terms may apply to a particular product, feature, promotion, transaction, or service ("Supplemental Terms"). If Supplemental Terms conflict with these Terms, the Supplemental Terms control only for the subject they address.

These Terms do not replace or amend any insurance policy, binder, declaration, application, evidence of coverage, carrier notice, or other contract issued or approved by an insurance carrier. The terms of the applicable carrier document control with respect to coverage, premiums, exclusions, conditions, cancellation, nonrenewal, and claims. Separate written agreements govern any producer, agent, agency, vendor, employee, contractor, or other commercial relationship with Qover.

You may use the Website only if you are at least 18 years old, have legal capacity to enter into these Terms, and are located in the United States. If you use the Website for another person or an organization, you represent that you have authority to provide that person's or organization's information and to bind the organization to these Terms where applicable.

2. QOVER'S ROLE AND INSURANCE DISCLAIMERS

Qover acts as an insurance agency or producer only where and to the extent authorized by applicable law. Qover is not an insurance carrier, does not underwrite or issue insurance policies, and does not itself determine final eligibility, premium, coverage, claim payment, or policy cancellation. Those decisions are made by the applicable carrier, governmental entity, or other authorized third party.

Information on the Website is provided for general informational and insurance agency purposes. It is not an insurance policy, binder, guarantee of coverage, or promise that any product, rate, benefit, discount, subsidy, provider, or service will be available or suitable for you. A quote is an estimate based on information then available and may change after underwriting, verification, carrier review, or correction of errors.

No insurance coverage is effective unless and until the applicable carrier or its authorized representative confirms coverage in the manner required or permitted by applicable law and carrier rules, after all required conditions have been satisfied and any required premium has been received. Website displays, application submissions, payment authorizations, and acknowledgments of receipt do not by themselves bind coverage unless expressly stated in writing by the carrier or its authorized representative.

You are responsible for reviewing the complete policy and carrier materials, confirming that the selected coverage, limits, deductibles, providers, and benefits meet your needs, and promptly reporting any discrepancy. If Website content conflicts with an issued insurance policy or carrier document, the issued policy or carrier document controls.

Except for duties that applicable law does not permit us to disclaim, the Website does not provide legal, tax, accounting, financial, medical, or investment advice and does not create a fiduciary, advisory, or special relationship. You should consult an appropriate professional regarding your circumstances.

3. ACCURACY OF INFORMATION AND AUTHORIZATIONS

You agree to provide complete, current, and accurate information and to promptly correct information that becomes inaccurate. You are responsible for reviewing every application, selection, attestation, and authorization before submission. Material omissions, false statements, or inaccurate information may result in rejection, rescission, cancellation, loss of benefits, premium changes, fraud referral, or other consequences imposed by a carrier or governmental authority.

When you provide information concerning another person, including a dependent, household member, employee, or customer, you represent that you have all authority and consents required to provide and use that information for the requested purpose. You authorize Qover to transmit information and instructions you provide to carriers, governmental entities, exchanges, service providers, licensed agents, and other parties reasonably necessary to respond to your request or provide the Services, subject to applicable law and our Privacy Notice.

Qover may rely on information and instructions submitted through your account or using your contact information until you notify us of an error or unauthorized use. We may request identity, authority, or eligibility documentation and may decline, pause, or cancel a Website transaction when information cannot be verified, appears inconsistent, or presents legal, fraud, security, or compliance concerns. Qover does not cancel an issued policy unless authorized by the carrier, the policy, or applicable law.

4. ACCOUNTS AND SECURITY

Some Services may require an account. You must keep your credentials confidential, use reasonable safeguards for your devices and accounts, and notify us promptly at hello@qoverinsurance.com if you suspect unauthorized access or use. You are responsible for activity conducted through your account to the extent permitted by law.

You may not share, sell, transfer, or permit another person to use your credentials. We may require password changes, multifactor authentication, or other safeguards; restrict access; or suspend an account when reasonably necessary to protect users, Qover, carriers, or the Website. Security measures reduce risk but cannot guarantee that unauthorized access will never occur.

5. PERMITTED AND PROHIBITED USE

Subject to these Terms, Qover grants you a limited, personal, revocable, nonexclusive, nontransferable right to access and use the Website for lawful purposes and for your own insurance-related needs or other purposes expressly authorized by Qover.

You may not:

• use the Website for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes;
• impersonate another person or entity, misrepresent your authority, or submit information without required authorization;
• interfere with the Website, introduce malicious code, test vulnerabilities without written permission, bypass security or access controls, or attempt unauthorized access;
• scrape, crawl, harvest, copy, index, monitor, or extract Website content or data through automated means without our prior written consent;
• use bots, scripts, artificial traffic, or automated systems to create accounts, submit requests, generate quotes, or complete applications;
• reverse engineer, decompile, disassemble, or attempt to derive source code, models, algorithms, or nonpublic functionality, except where applicable law expressly prohibits this restriction;
• remove ownership notices, modify Website content, frame or mirror the Website, or use Qover's names, marks, or content in a misleading manner;
• use information obtained through the Website to contact, market to, discriminate against, or make decisions concerning another person without lawful authority; or
• assist another person in violating these Terms.

We may investigate suspected violations, preserve relevant information, cooperate with lawful requests, and take protective action, including restricting or terminating access and referring suspected misconduct to carriers, governmental authorities, or law enforcement.

6. INTELLECTUAL PROPERTY

The Website and its software, text, graphics, designs, databases, arrangement, trademarks, service marks, logos, and other content are owned by or licensed to Qover and are protected by intellectual-property and other laws. Except for the limited right expressly granted in Section 5, no right or license is granted by implication, estoppel, or otherwise.

You may download or print a reasonable number of pages solely for personal, noncommercial use, provided you do not alter the content or remove ownership notices. Any other reproduction, distribution, display, sale, licensing, creation of derivative works, or commercial use requires our prior written consent.

If you voluntarily provide feedback, ideas, suggestions, or recommendations that do not contain Personal Information, you grant Qover a worldwide, perpetual, irrevocable, royalty-free, sublicensable right to use and incorporate them without restriction or compensation. This provision does not change our obligations regarding Personal Information.

7. CARRIERS AND THIRD-PARTY SERVICES

The Website may display or transmit information from insurance carriers, governmental entities, exchanges, data providers, payment processors, service providers, or other third parties. These parties are independent from Qover and may impose their own terms and privacy notices. Qover does not control and, to the maximum extent permitted by law, is not responsible for their underwriting, pricing, coverage decisions, provider networks, benefits, claims handling, billing, systems, content, availability, security, privacy practices, or other acts or omissions.

Carrier and third-party information may change without advance notice. You should confirm material information directly with the applicable carrier or third party before relying on it. After an application or policy information has been submitted to a carrier or governmental entity, you may need to contact that party directly to correct information, make a payment, cancel or change coverage, appeal a decision, or submit a claim.

Links to third-party websites are provided for convenience and do not constitute endorsement. Your use of a third-party website or service is at your own risk and is governed by that party's terms and privacy practices.

8. ELECTRONIC TRANSACTIONS AND COMMUNICATIONS

You consent to conduct transactions electronically and to receive agreements, disclosures, notices, records, and other communications in electronic form when you use an electronic transaction flow. Your electronic action, including clicking a button, checking a box, typing your name, or submitting a form, may constitute your electronic signature and have the same effect as a handwritten signature to the extent permitted by law.

You are responsible for maintaining a valid email address and telephone number and for reviewing communications sent to the contact information you provide. You may request paper copies or withdraw consent to future electronic records by contacting us, but withdrawal will not affect the validity of prior electronic transactions and may limit our ability to provide certain Services electronically.

Qover may send nonmarketing communications reasonably related to your request, account, application, policy, security, compliance, or customer service. Any consent to receive marketing calls or text messages is governed by the specific disclosure presented when that consent is requested. Agreement to these Terms alone is not consent to receive telemarketing calls or texts, and marketing consent is not a condition of purchasing insurance or using the Website. You may opt out of marketing emails through the unsubscribe method provided and may reply STOP to marketing text messages. Opting out of marketing does not prevent legally permitted nonmarketing communications.

SMS Terms

If you opt in to receive SMS messages from Qover Insurance, we may send messages about your insurance request, appointments, quote or application follow-ups, policy or account updates, and customer support. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of SMS messages at any time. Reply HELP for help. Consent to receive text messages is not a condition of purchase.

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. 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.

We may monitor or record customer-service communications after providing any notice or obtaining any consent required by applicable law.

9. PRIVACY AND DATA SECURITY

Our Privacy Notice, available on the Website, describes how Qover collects, uses, discloses, and protects Personal Information. These Terms do not limit any nonwaivable right or obligation under applicable privacy law.

No internet transmission or storage system is completely secure. You should not send passwords, Social Security numbers, medical information, payment information, or other sensitive data through channels that Qover has not designated for that purpose. You are responsible for using reasonable security practices and maintaining current backups of information you need.

10. WEBSITE AVAILABILITY, UPDATES, AND ERRORS

We may maintain, modify, update, restrict, suspend, or discontinue any Website feature or content at any time, subject to applicable law and existing contractual obligations. We do not guarantee that the Website will always be available, uninterrupted, current, complete, secure, or error-free, or that defects will be corrected immediately.

We may correct typographical, pricing, eligibility, technical, or other errors and may invalidate an affected Website transaction when reasonably necessary. Any correction affecting an insurance application or policy remains subject to the applicable carrier documents and law. You should retain copies of submissions, confirmations, policies, and other important records.

11. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE, SERVICES, AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." QOVER AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE "QOVER PARTIES") DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY.

THE QOVER PARTIES DO NOT WARRANT THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS, THAT INFORMATION OR RESULTS WILL BE ACCURATE OR COMPLETE, THAT A PRODUCT WILL BE AVAILABLE, OR THAT ACCESS WILL BE UNINTERRUPTED OR FREE OF HARMFUL COMPONENTS. NOTHING IN THESE TERMS DISCLAIMS A WARRANTY, DUTY, OR REMEDY THAT CANNOT LAWFULLY BE DISCLAIMED.

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE QOVER PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES; LOSS OF DATA, PROFITS, REVENUE, GOODWILL, OR OPPORTUNITY; OR COST OF SUBSTITUTE SERVICES ARISING OUT OF OR RELATING TO THE WEBSITE, SERVICES, OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED THAT SUCH DAMAGES WERE POSSIBLE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE QOVER PARTIES' TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE WEBSITE, SERVICES, OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) $100; OR (B) THE AMOUNT YOU PAID DIRECTLY TO QOVER, EXCLUDING INSURANCE PREMIUMS PAID TO A CARRIER, FOR USE OF THE WEBSITE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, QOVER IS NOT LIABLE FOR A CARRIER'S OR THIRD PARTY'S UNDERWRITING, ELIGIBILITY, PRICING, COVERAGE, NETWORK, CLAIM, BILLING, CANCELLATION, OR OTHER DECISION OR FOR YOUR FAILURE TO REVIEW OR COMPLY WITH AN INSURANCE POLICY OR CARRIER COMMUNICATION.

These limitations do not apply to liability that cannot be limited under applicable law, including liability resulting from Qover's gross negligence, willful misconduct, or fraud to the extent such exclusion is required by law. Some jurisdictions do not permit certain exclusions or limitations, so portions of this Section may not apply to you. The parties agree that these limitations are an essential allocation of risk.

13. INDEMNIFICATION

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless the Qover Parties from third-party claims, damages, judgments, penalties, losses, liabilities, and reasonable attorneys' fees arising from: (a) your unlawful or unauthorized use of the Website; (b) your material breach of these Terms; (c) information you submit without authorization or that is materially false or misleading; (d) your violation of another person's rights; or (e) your fraud, willful misconduct, or negligence.

Qover may assume control of the defense of a matter subject to indemnification, and you will reasonably cooperate. You may not settle a claim in a manner that admits fault by, imposes obligations on, or fails to fully release a Qover Party without Qover's prior written consent. This Section does not require indemnification to the extent a claim was caused by Qover's gross negligence, willful misconduct, or other conduct for which indemnification is prohibited by law.

14. DISPUTE RESOLUTION, ARBITRATION, AND CLASS-ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHT TO HAVE A COURT OR JURY DECIDE A DISPUTE AND YOUR RIGHT TO PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION.

A. Informal Resolution

Before filing arbitration or litigation, the claimant must send an individual written notice describing the claimant's name and contact information, relevant account or transaction, facts, legal basis, requested relief, and a good-faith settlement demand. Notice to Qover must be sent to hello@qoverinsurance.com with the subject "Notice of Dispute" and by mail to the address in Section 18. The parties will attempt in good faith to resolve the dispute for 30 days after receipt of a complete notice. Applicable limitation periods are tolled during that 30-day period.

B. Agreement to Arbitrate

Except for the matters listed in subsection C, you and Qover agree that any dispute, claim, or controversy arising out of or relating to the Website, Services, communications, these Terms, or the relationship between you and Qover will be resolved by final and binding individual arbitration. This agreement includes claims based in contract, tort, statute, regulation, fraud, misrepresentation, or any other legal theory, and claims concerning the formation, interpretation, scope, enforceability, or validity of these Terms or this arbitration agreement.

The Federal Arbitration Act governs this Section. Arbitration will be administered by the American Arbitration Association ("AAA") under its then-current Consumer Arbitration Rules, as modified by these Terms, before one neutral arbitrator. If AAA is unavailable, the parties will agree on another administrator or a court of competent jurisdiction will appoint one under 9 U.S.C. Section 5. The arbitrator may award any individual remedy available in court and must apply applicable substantive law and limitation periods.

Unless the parties agree otherwise, any hearing may occur by video, telephone, or in the county where you reside. Fees will be allocated under the applicable consumer rules, and Qover will pay fees that applicable law or those rules require it to pay. The arbitrator may shift fees or award attorneys' fees only when authorized by applicable law or when a claim or defense is frivolous or brought for an improper purpose.

C. Exceptions

Either party may bring an eligible individual claim in small-claims court. Either party may seek temporary or preliminary injunctive relief in court to protect intellectual property, confidential information, systems, or security pending arbitration. Nothing in these Terms prevents a governmental agency from exercising lawful authority or prevents either party from seeking any individual public injunctive relief that applicable law makes nonwaivable.

D. Class-Action Waiver

YOU AND QOVER AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF DIFFERENT PERSONS OR PRESIDE OVER ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING WITHOUT THE WRITTEN CONSENT OF ALL PARTIES.

If a court determines that this waiver is unenforceable as to a particular claim or requested remedy, only that claim or remedy will be severed and decided by the court after completion of all arbitrable claims. No class or representative arbitration is permitted.

E. Thirty-Day Right to Opt Out

You may opt out of this arbitration agreement by sending written notice within 30 days after you first accept these Terms. The notice must include your full name, mailing address, account email or telephone number, and a clear statement that you opt out of the arbitration agreement in the Qover Website Terms and Conditions. Send the notice to hello@qoverinsurance.com with the subject "Arbitration Opt-Out" or by mail to the address in Section 18. Opting out will not affect your other rights or your ability to use the Website.

F. Jury-Trial Waiver and Court Venue

For any dispute permitted to proceed in court, YOU AND QOVER KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO A TRIAL BY JURY to the maximum extent permitted by law. Except for small-claims matters or where applicable law requires otherwise, the state and federal courts located in Miami-Dade County, Florida will have exclusive jurisdiction, and each party consents to personal jurisdiction and venue there.

G. Time to Bring Claims

To the maximum extent permitted by law, any claim arising out of or relating to the Website, Services, or these Terms must be filed within one year after the claim accrued; otherwise, it is permanently barred. This limitation does not shorten any period that applicable law prohibits the parties from shortening.

15. SUSPENSION AND TERMINATION

You may stop using the Website at any time. Qover may restrict, suspend, or terminate access when reasonably necessary because of a Terms violation, security or fraud concern, legal requirement, carrier instruction, service discontinuation, or risk to Qover or others. Where reasonably practicable and legally permitted, we may provide notice and an opportunity to correct the issue.

Termination of Website access does not itself cancel an insurance policy or alter obligations under a carrier document or separate agreement. Sections that by their nature should survive termination will survive, including provisions concerning intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and general terms.

16. CHANGES TO THESE TERMS

We may revise these Terms by posting an updated version with a new Effective Date. Material changes will apply prospectively after reasonable notice as required by law. If you do not agree to revised Terms, you must stop using the Website. Continued use after the revised Terms become effective constitutes acceptance when legally sufficient notice has been provided.

No change to Section 14 will apply retroactively to a dispute for which Qover had actual written notice before the change unless you expressly agree. Changes to these Terms do not amend an issued insurance policy or separate written agreement.

17. GENERAL TERMS

Florida law governs these Terms, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 14. This choice of law does not deprive you of a consumer protection that the law of your state of residence makes nonwaivable.

You may not assign or transfer these Terms without Qover's prior written consent. Qover may assign these Terms in connection with a merger, reorganization, sale of assets, change of control, or transfer of the Website or Services. Any prohibited assignment is void.

If a provision is held invalid or unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will remain effective, subject to the specific severability rule in Section 14.D. A failure or delay to enforce a provision is not a waiver. No waiver is effective unless in writing and signed by the waiving party.

These Terms and applicable Supplemental Terms constitute the entire agreement concerning use of the Website and supersede prior or contemporaneous statements concerning that subject. No person other than you and Qover is an intended third-party beneficiary. Headings are for convenience only. The words "including" and "include" mean "including without limitation."

Qover will not be liable for delay or failure caused by events beyond its reasonable control, including natural disasters, utility or telecommunications failures, cyberattacks, labor disputes, governmental actions, carrier outages, or failures of third-party systems, except to the extent applicable law provides otherwise.

If these Terms are translated, the English version controls to the extent permitted by law. Electronic notices may be provided through the Website, your account, or the contact information you provide.

18. CONTACT US

Questions about these Terms may be directed to:

Valcor Group, LLC dba Qover

Attn: Legal

8400 NW 36th Street, Suite 140

Doral, Florida 33166

hello@qoverinsurance.com

(786) 551-9435

Privacy Notice

Effective Date: September 3, 2026

Welcome to Qover. As used in this Privacy Notice, the terms "Qover," "Valcor," "we," "us," and "our" refer to Valcor Group, LLC dba Qover. The terms "you" and "your" refer to any person who accesses or uses the Website, uses our services, or otherwise interacts or communicates with us.

Qover is committed to protecting and respecting your privacy. This Privacy Notice describes how we collect, use, protect, and share information about you that we obtain when you access and use our Website (what we call "Personal Information," defined below), including when you register for an account, request a quote, or submit questions or feedback. This Privacy Notice also applies to information that we obtain when you communicate or interact with us outside of the Website, including by email, telephone, text message, chat, and otherwise.

Your use of our Website may also be governed by Qover's applicable Terms of Use, any additional terms made available in connection with particular features or services ("Supplemental Terms"), and policies or rules posted on the Website or otherwise communicated to Users (collectively, the "Website Policies").

Please read this Privacy Notice carefully before you use our Website or communicate with us.

For purposes of this Privacy Notice:

• "Users" means any and all individuals that access or use the Website, including applicants for health insurance, insurance agents, and other registered users. References to "access" and/or "use" of the Website (and any variations thereof) include the acts of accessing or browsing the Website, and accessing or using the services, information, content, features, functionality, tools and promotions available on or through the Website.
• "Website" refers to qoverinsurance.com and any other website owned, operated, or powered by Qover that links to this Privacy Notice. References to the "Website" include the services, information, content, features, functionality, tools, and promotions available through each such website.

BY ACCESSING OR USING OUR WEBSITE OR COMMUNICATING WITH US OUTSIDE OF THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE REVIEWED THIS POLICY AND ARE FAMILIAR WITH THE PRACTICES DESCRIBED HEREIN. THIS PRIVACY NOTICE MAY BE UPDATED AND AMENDED FROM TIME TO TIME.

This Privacy Notice includes the following sections:

• INFORMATION WE COLLECT
• HOW INFORMATION MAY BE USED
• HOW INFORMATION MAY BE SHARED
• COOKIES, PIXELS, BEACONS, AND OTHER TRACKING TECHNOLOGIES
• YOUR CHOICES
• DATA RETENTION
• SECURING YOUR INFORMATION
• CHILDREN
• LINKS TO THIRD-PARTY WEBSITES
• UNITED STATES AND FLORIDA OPERATIONS
• USE OF ARTIFICIAL INTELLIGENCE (AI)
• CHANGES TO OUR PRIVACY NOTICE
• CONTACT US

INFORMATION WE COLLECT

Information You Provide to Us

We may collect personal information and other types of information when you interact with this Website or our affiliates, including when you register for an account, solicit a health insurance quote, prepare or submit a health insurance application directly or on behalf of another individual, update your email preferences, respond to a survey or provide other feedback about the Website, or contact us with questions or comments about the Website.

We may also collect information about you when you opt in to receive text messages from us (for example, when you sign up for health insurance). You may opt in to receive such updates and offers by providing your mobile telephone number through the Website.

We may also collect information about you when a company or organization authorizes you to manage its account or use this Website on its behalf.

Personal Information

We, or third parties on our behalf, may collect information that identifies you ("Personal Information"). This includes:

• contact information (such as name, address, email address and telephone number);
• date of birth;
• gender;
• payment card information;
• information associated with your account;
• Social Security number;
• protected health information, including health or medical history; and
• geographic location.

Information Generated from Use of the Website

We also collect certain information when you access, browse, and use our Website, including information that we automatically receive and record from your browser or mobile platform on our server logs. This information helps us operate and provide our Website to you, and includes standard information about visits and system capabilities, such as:

• information about the device(s) you use to access our Website, including MAC address, IP address, browser type and version, your location, time zone setting, browser plug-in types and versions, operating system and platform, device type, device and application identifiers, operating information, mobile carrier, and cookies;
• information about your visits to the Website, including the full URL clickstream to, through, and from the Website, including dates and times;
• information we need and use to facilitate your use of our Website (including to provide access to third party websites and services), such as URL requests, destination IP addresses, or device configuration details;
• pages you view, searches you run, length of time browsing search results, specific search results you select to view, length of visits to other pages, page interaction information (such as scrolling, clicks, and mouse-overs), your engagement with certain variable/dynamic elements of a page and methods used to browse away from the page;
• page response times and download errors; and
• information generated using cookies and beacons. See below for more details regarding our use of cookies and beacons, and your choices with respect to such tracking technologies.

Information from Other Sources

We may receive certain information about you from the organizations or entities on behalf of which we provide the Website to you and/or on behalf of which you access or use the Website. We may also supplement the information we collect from your use of the Website with information collected by third parties. Such third parties may include analytics providers, advertising partners, and service providers that help us understand and provide better service to our Users.

On occasion, we may compare or combine Personal Information from third-party sources with other information we have collected. For example, we may obtain contact information from other sources in order to contact you if we think you or the company you represent would be interested in our Website.

We may also receive certain information from third parties with which we partner. For example, health insurance providers may share information with us about your use of their services or websites to help us provide our services to you.

HOW INFORMATION MAY BE USED

We, or third parties acting on our behalf, may use the Personal Information for various purposes, including to:

• create and manage your account;
• provide you with Website content;
• operate our Website, including, without limitation, providing quotes, and submitting and monitoring health insurance applications, access management, payment processing, Website administration, internal operations, troubleshooting, data analysis, testing, research, statistical and survey purposes;
• understand how users interact with this Website and our services;
• send you information that enables you to use our Website;
• contact you about activity on your account;
• provide you access to, and updates regarding health insurance and other related offers via text message;
• respond to your requests, feedback or inquiries;
• notify you about updates, information, or alerts regarding our Website;
• process payments;
• protect and enforce our rights and the rights of other Users against unlawful activity, including identity theft and fraud, and other violations of our applicable Terms of Use and Website Policies;
• protect and enforce our rights arising under any agreements entered into between you and us, including billing and collection;
• protect the integrity and maintain the security of our Website, including secured areas of the Website;
• operate, evaluate, and improve our business, as well as our products and services, including conducting surveys and market research; developing new products, services, and promotions (such as, for example, special events, programs, offers, contests); analyzing and enhancing existing products, services, and promotions; debugging our offerings or Website; managing our communications; and performing accounting, auditing, and other internal functions;
• provide you with information and advertisements about products, services, and promotions, from us or third parties, that may interest you, including targeted advertising;
• comply with requirements imposed by law, regulations, contracts, and programmatic recordkeeping requirements; or
• evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, including as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us is among the assets transferred.

We may also use Personal Information for any purpose for which you may provide consent.

We may also aggregate or anonymize data about your use of the Website or our other products and services, to the extent permitted by Law, for similar purposes.

HOW INFORMATION MAY BE SHARED

We will not sell or share your Personal Information with third parties for the third party's own purposes without at least providing you an opportunity to opt out of such sale or sharing, if required by law. We may disclose your Personal Information to third parties, including:

• The Centers for Medicare and Medicaid Services ("CMS") in order to obtain an eligibility determination for you and to enroll you in health insurance plans offered on the federal healthcare exchange;
• Organizations or entities on behalf of which we are providing the Website to you and/or on behalf of which you access or use the Website, such as your employer, and other companies associated with those organizations or entities in order to enable their systems to operate with the Website;
• Third party insurance companies to which you submit an application for health insurance on or through the Website;
• Your employer(s), affinity group, and/or benefits administrators or consultants, if you are referred to the Website by such respective parties;
• If you are a licensed insurance agent using an agent platform made available through Qover, the designated administrator of your account, if you have an individual subaccount, regarding use of the Services by individual subaccounts;
• Your licensed insurance agent, if applicable;
• Our service providers, to operate our business and provide our Website and services to you;
• A buyer or other successor in interest to Qover in the event of a merger, divestiture, restructuring, reorganization, dissolution, liquidation, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Information held by us about our Users is among the assets transferred;
• Other third parties with your consent for any purpose disclosed by us when you provide the information; and
• Other third parties, including government authorities and law enforcement authorities, if required by law, regulation, or legal process; to protect users, Qover, or the public; or to investigate and defend against legal claims; or
• Any other sharing or disclosure permitted by law with your consent.

In addition, we may share information about your use of our Website, including in aggregated or anonymized form, in the following circumstances:

• with our partners about how our Users collectively use our Website, so that our partners may also understand how often people use their services and our Website;
• with analytics companies, search engines, or other service providers that help us improve our Website;
• to report to our affiliates, licensors and service providers, advertising partners and ad networks about the use of various aspects of the Website;
• with other Users or prospective Users of the Website; and
• to advertisers and advertising networks to select and serve relevant advertisements.

Where our disclosure of Personal Information involves Protected Health Information subject to HIPAA, we enter into a Business Associate Agreement with the applicable third party prior to disclosure if required by HIPAA.

Notice to California Residents / Your California Privacy Rights

The California Consumer Privacy Act ("CCPA") provides California residents with certain rights regarding Personal Information collected by covered businesses. California residents may exercise applicable rights through the methods described in the "Your Choices" and "Contact Us" sections of this Privacy Notice.

COOKIES, PIXELS, BEACONS, AND OTHER TRACKING TECHNOLOGIES

We, and third parties working on our behalf, may use cookies, beacons and similar automatic data collection technologies, now or in the future, to support the functionality of our Website and for other purposes described in this Privacy Notice. These technologies help us provide a better experience when you visit our Website, analyze and compile the usage of this Website, provide advertising, and allow us to improve our Website. The technologies we may use for this automatic data collection may include:

• Browser Cookies. A browser cookie is a small file placed on the hard drive of your computer. That cookie then communicates with our servers or those of other companies that we authorize to collect data for us, and allows recognition of your personal computer. We associate cookies with Personal Information only if you use the logged in areas of the Website, request a service, use the personalization services available as part of the Website, or ask us to contact you with additional marketing information. We do not otherwise collect Personal Information from browser cookies and we do not associate browser cookies with your Personal Information. You may use the tools available on your computer or other device to set your browser to refuse or disable all or some browser cookies, or to alert you when cookies are being set. However, if you refuse or disable all browser cookies, you may be unable to access certain parts or use certain features or functionality of our Website. Unless you have adjusted your browser settings so that it refuses all cookies, we may use cookies when you direct your browser to our Website.
• Beacons. Our Website and e-mails may contain small electronic files known as beacons (also referred to as web beacons, clear GIFs, pixel tags and single-pixel GIFs) that permit us to, for example, count Users who have visited those pages or opened an e-mail and for other website-related statistics. Beacons in e-mail marketing campaigns allow us to track your responses and your interests in our content, offerings and web pages. You may use the tools in your device to disable these technologies as well.
• Other Tracking Technologies. Our Website may also use other tracking technologies such as device fingerprinting, pixels, web caching, device session identifiers, embedded scripts, location-identifying technologies, and other similar technologies. These technologies execute on our Website or in your browser and allow us to recognize you when you return to the Website and understand how our Users use and interact with our Website.

Cookies deployed on the Website may be classified into the following categories:

Cookie Type

Description

Essential Cookies

These are cookies that our Website needs in order to function, including to detect fraud and to support security on the Website. Without these essential cookies, the Website will not perform as intended. Website visitors cannot disable these cookies, and exercising the right to opt out of cookies will not impact the placement of essential cookies.

Performance/Analytics Cookies

Performance/Analytics cookies provide us with information regarding how visitors navigate and interact with the Website, such as how many visitors browsed the Website.

Advertising Cookies

Advertising cookies help us, or other third parties, conduct targeting advertisements on our Website and third-party sites.

The Website may deploy tracking technologies provided by analytics, tag-management, customer-relationship-management, chat, security, performance-monitoring, and consent-management providers. The providers and technologies may change as Qover's systems and services change. The cookie preference tool, if displayed, provides current choices for non-essential cookies.

You may opt out of the placement of non-essential cookies by opting out of all non-Essential categories of cookies through the cookie preference management platform that is displayed when you access the Website and select the cookie icon. You may change your preferences at any time using the cookie preference management platform on the Website. We may use a consent-management provider to help manage your cookie preferences for non-essential cookies. Please note that exercising the right to opt out of non-essential cookies on the Website will not impact your cookie preferences on the websites owned or managed by our affiliates, business partners, or other third parties, and you must manage your cookie preferences for each of those websites.

While many web browsers accept cookies by default, many browsers also include tools to manage or disable cookies. You can visit the help function on most browsers to modify how your browser handles cookies. However, if you disable cookies, certain features of this website may not function properly.

Additionally, your browser or device may support a universal opt-out preference signal or similar tool that communicates your privacy choices automatically to the websites you visit. Where required by applicable law, we will treat such a signal as a valid request to opt out of the sale or sharing of your Personal Information, and of the use of your Personal Information for targeted advertising, with respect to the browser or device from which the signal is sent. Because these signals are specific to the browser or device on which they are enabled, you will need to enable the signal on each browser and device you use.

Some web browsers allow "Do Not Track" signals or settings, which may allow you to request that you do not want certain information about your web page visits tracked and collected across websites. At this time, this Website does not respond to "Do Not Track" signals or settings.

Our service providers, advertising partners and ad networks may use cookies, beacons, and other similar tracking technologies to collect and share information that may identify you or your device about your activities on our Website. In addition, third parties that are unaffiliated with us may collect information about you, including tracking your browsing history, when you use our Website. We do not have control over these third-party collection practices. If you wish to minimize these third-party collections, you can adjust the settings of your browsers or install plug-ins and add-ins.

YOUR CHOICES

Depending on applicable laws or the jurisdiction in which you reside, you may have certain privacy rights. These may include the rights:

• To access, know about, or confirm the processing of your Personal Information, including the categories of, and sources of, Personal Information we collect about you, the business or commercial purpose(s) for collecting, selling, or sharing your Personal Information, the categories of third parties to which your Personal Information is disclosed, and the specific pieces of Personal Information we have collected about you.
• To correct inaccurate Personal Information held by us.
• Subject to certain limitations, to request that we delete your Personal Information.
• To receive a copy of your Personal Information in a portable format, where technically feasible.
• To opt-out of the "sale" or "sharing" of your Personal Information, or the use of your Personal Information for "targeted advertising" (as these terms are defined under applicable privacy laws). Please note that we do not sell your Personal Information, but we may share your Personal Information for advertising purposes.
• To limit the use and disclosure of sensitive Personal Information.
• To not be discriminated against for exercising your privacy rights.

Certain exceptions under applicable laws may apply, which may limit our ability to fulfill your request to exercise your privacy rights. We will inform you of any such limitation, consistent with our legal obligations.

To exercise your choices and rights, please contact us using the contact information provided in this Privacy Notice. We may request or require additional information to verify your identity in order to fulfill your request.

You may designate an authorized agent to make a request on your behalf. Authorized agents will be required to provide proof of their authority to act on your behalf by providing relevant documentation. We may contact you to confirm an authorized agent's representation and to verify your identity.

Limit Use of Personal Information for Health Insurance Purposes

You may request that we limit the collection, creation, disclosure, access, maintenance, storage and use of your Personal Information for the sole purpose of our assisting you in applying for health insurance or obtaining an eligibility determination, facilitating payment for your first premium, assisting you in updating or canceling your enrollment in a health insurance plan, and for performing other authorized functions specified in our agreements with CMS. You may request such a limitation by sending an email to hello@qoverinsurance.com or calling us at (786) 551-9435.

Email Communications

You may have the opportunity to receive certain communications from us related to our Website. If you provide us with your e-mail address in order to receive communications, you can opt out of marketing e-mails at any time by following the instructions at the bottom of our e-mails and adjusting your e-mail preferences. Please note that certain e-mails may be necessary for the operation of our Website. You will continue to receive these e-mails, if appropriate, even if you unsubscribe from our optional communications.

Text Alerts

You may have the opportunity to receive certain information, updates and/or offers from us via text communications. If you provide us with your mobile number in order to receive such communications, you can opt out of receiving text messages at any time by contacting us at hello@qoverinsurance.com or by replying STOP to a message. 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.

Updating Information

The accuracy of the information we have about you is very important. To review, correct or delete your Personal Information, please contact us at hello@qoverinsurance.com. For more information about your choices, or to review or correct your Personal Information, please follow the prompts on the Website, or contact us as indicated in the "Contact Us" section of this Privacy Notice.

DATA RETENTION

We will retain your Personal Information for as long as your account is active or as needed to provide our services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, enforce our agreements, or as otherwise described in this Privacy Notice.

Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may be required to contact the insurance company or such other party directly to update your application or other information that they may have collected about you.

SECURING YOUR INFORMATION

The security of your information is important to Qover, and we have established administrative, technical, and physical safeguards designed to protect your Personal Information against unauthorized alteration, access, loss, theft, use or disclosure. However, no method of transmission or storage can guarantee complete security of your information. As a result, Qover cannot guarantee the absolute security of your personal information.

You are responsible for protecting your password(s) and for the security of information that you transmit to us over the internet.

CHILDREN

Our Website is directed to and is intended to be used only by persons who are 18 years of age or older. We do not knowingly collect information from children under 18. If you are under 18 years of age, you are not permitted to register for an account or otherwise submit any Personal Information to us, including your name, address or e-mail address. By registering for an account or submitting any Personal Information to us, you represent and warrant that you are 18 years of age or older.

If we discover that we have received any Personal Information directly from a child under the age of 18, we will suspend the associated account and remove that information from our database as soon as possible. For the avoidance of doubt, this does not apply to information collected from a parent or legal guardian who provides information regarding a dependent child under the age of 18 in connection with a health insurance application or other related purpose.

LINKS TO THIRD-PARTY WEBSITES

Our Website may contain links to third-party websites and services, including those of third-party insurance providers and advertisers. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice applies to Qover and our Website only. We do not accept any responsibility or liability for the policies or practices of any third parties. If you choose to access any websites or services linked from our Website, please check the applicable policies before you use or submit any personal data to such website or service.

UNITED STATES AND FLORIDA OPERATIONS

Qover is operated by Valcor Group, LLC, a Florida limited liability company based in Florida. The Website is operated from the United States and is subject to applicable U.S. federal law, Florida law, and the laws of other states that apply to Qover's activities or to the rights of their residents. Nothing in this Privacy Notice limits a non-waivable privacy right available under applicable law.

The Website is directed to persons in the United States. Personal Information is processed and stored in the United States and may be processed in another jurisdiction by an authorized service provider subject to applicable contractual and legal safeguards. The Website is not directed to persons outside the United States.

USE OF ARTIFICIAL INTELLIGENCE (AI)

Qover may use third-party artificial intelligence ("AI") tools to support internal business operations, including functions such as customer support, software development, data analysis, and administrative tasks. When we use AI tools, we are committed to doing so responsibly and in a manner consistent with our obligations to protect the privacy and security of the information entrusted to us. Specifically:

• Enterprise-grade tools only. We use enterprise or business versions of AI tools, which are designed with enhanced privacy and security controls appropriate for commercial use.
• No training on your data. The AI tools we use are configured so that data we input is not used to train the underlying AI models.
• HIPAA compliance. Where our use of an AI tool involves Protected Health Information ("PHI") or other data subject to HIPAA, we enter into a Business Associate Agreement ("BAA") with the applicable vendor prior to use, consistent with our obligations as a HIPAA business associate.
• Vendor oversight. We evaluate AI vendors for their data handling practices, security posture, and contractual commitments before deployment.

CHANGES TO OUR PRIVACY NOTICE

Qover may, in its sole discretion, change this Privacy Notice from time to time. Any and all changes to this Privacy Notice will be effective as of the Effective Date stated at the top of this Privacy Notice. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. Users should regularly check this page for any changes to this Privacy Notice. To the extent required by law, we may notify you of amendments or updates of this Privacy Notice, such as by posting a notification to the home page of the Website, or sending a notification to you at the address we have on file for you, if any.

Your continued use of the Website or communication with us after the updated Privacy Notice has been posted (or any other indication of your consent) will constitute your acceptance of the updated Privacy Notice.

Please note that we may condition your continued access to our Website on your consent to changes to this Privacy Notice.

CONTACT US

If you have questions or comments relating to this Privacy Notice, or if you would like us to update information we have about you or your preferences, please contact us by email at hello@qoverinsurance.com, call us at (786) 551-9435, or write to us at:

Valcor Group, LLC dba Qover

Attn: Legal

8400 NW 36th Street, Suite 140

Doral, Florida 33166