Privacy Policy

Overview

Group Coverage, Inc. ("Group Coverage," "we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through our website at groupcoverage.com (the "Site") and in the course of providing insurance brokerage and related services, how we use that information, and the choices you have.

By using the Site or providing information to us, you agree to the practices described in this policy. If you do not agree, please do not use the Site.

Information we collect

Depending on how you interact with us, we may collect the following categories of information:

• Contact and identity information — name, mailing address, email address, phone number, and business name.
• Insurance and application information — details you provide to obtain a quote or coverage, such as employer, coverage type, number of employees, dependents, dates of birth, and other underwriting details.
• Financial information — billing details and payment information needed to service a policy.
• Communications — the content of messages, forms, emails, and any documents you send us.
• Website usage information — IP address, browser type, device information, pages viewed, and similar data collected automatically (see "Cookies & tracking").

Some of this information is nonpublic personal information protected under insurance and financial privacy laws — see the section on insurance information below.

How we collect it

• Directly from you — when you request a quote, complete a form, apply for coverage, call or email us, or upload documents.
• Automatically — through cookies and similar technologies when you use the Site.
• From third parties — such as your employer (for group benefits), insurance carriers, and service providers who help us verify or process information.

How we use your information

We use the information we collect to:

• Prepare quotes, place coverage, and service your policies;
• Communicate with you and respond to requests;
• Submit applications and information to insurance carriers on your behalf;
• Meet legal, regulatory, and compliance obligations;
• Operate, maintain, and improve the Site; and
• Send service updates and, where permitted, relevant information about our products (you can opt out at any time).

Insurance information (nonpublic personal information)

As an insurance brokerage, we handle nonpublic personal information ("NPI") — including financial and, in some cases, health-related information — provided in connection with insurance products. We collect, use, and disclose NPI only as necessary to provide our services and as permitted by applicable insurance privacy laws.

We do not sell your NPI. We share it only with the carriers, administrators, and service providers involved in quoting or servicing your coverage, or as otherwise permitted or required by law. [Confirm your carriers, TPAs, and any state insurance privacy notice requirements with compliance.]

How we share information

We may share information:

• With insurance carriers and administrators to quote, bind, and service coverage;
• With service providers that support our operations (for example, IT, hosting, and email delivery) under confidentiality obligations;
• For legal reasons — to comply with law, respond to lawful requests, or protect our rights; and
• In a business transfer — in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information.

Cookies & tracking technologies

The Site uses cookies and similar technologies to remember your preferences, understand how the Site is used, and improve performance. You can control cookies through your browser settings; disabling them may affect how the Site works.

[List the actual tools in use — e.g., Google Analytics, Meta Pixel, hosting/CDN cookies — and add a cookie banner if required in your customers' jurisdictions.]

Third-party links

The Site may link to third-party websites, including carrier and portal login pages. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policy of any site you visit.

Data security

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we hold. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Data retention

We keep personal information for as long as needed to provide our services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. [Confirm specific retention periods with compliance.]

Your rights & choices

You may:

• Request access to, or correction of, the personal information we hold about you;
• Opt out of marketing emails using the unsubscribe link or by contacting us; and
• Ask questions about how your information is handled.

Depending on where you live, you may have additional rights under state privacy laws. [Add the specific rights and request process for the states your customers reside in — e.g., New York, and CCPA/CPRA if you serve California residents.] To exercise any right, contact us using the details below.

Children's privacy

The Site is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us and we will delete it.

Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above. Material changes will be posted on this page. Your continued use of the Site after changes take effect means you accept the updated policy.