Privacy Policy for United Coverage Insurance Agency

At United Coverage, we understand the importance of safeguarding the personal information we collect from our clients. This Privacy Policy outlines the practices followed by our agency, including how we collect, share, protect, and manage your data in accordance with applicable state and federal laws. As a financial services provider, we are committed to complying with privacy laws to protect the confidentiality of your information.

This Privacy Policy explains:

1. The types of information we collect and the means of collection.

2. How we share client information with non-affiliated third parties.

3. The access employees have to that information.

4. How we protect the privacy of your information.

I. Information Collected and the Means of Collection

United Coverage collects essential information from customers in order to provide the insurance services that are standard in the industry. We collect the following types of information:

• Information Provided by You: This may include, but is not limited to, your name, address, social security number, date of birth, and other personal details submitted via application forms, phone calls, emails, or in person.

• Payment Information: We collect payment details required for processing transactions. However, we do not store banking or credit card information on file for security purposes.

• Transaction Information: We maintain information related to your transactions with us, such as claims, policy coverage, and payment history.

• Information from Consumer-Reporting Agencies: We may receive information about your driving record or insurance loss reports from third-party agencies to assist with underwriting or claims processing.

To collect this information, we use several communication methods, including written correspondence, in-person meetings, phone calls, faxes, electronic communications, and online forms.

II. How We Share Client Information with Non-Affiliated Third Parties

United Coverage does not share customer or former customer information with non-affiliated third parties except as required or permitted by law. We may share information in the following circumstances:

• To Provide Services: Information may be shared to fulfill the normal functions of an independent insurance agency. This includes activities such as underwriting, rating, policy placement, claims processing, payments, and providing quotes for insurance coverage.

• To Protect Client Information: We may share information as necessary to ensure the confidentiality and security of your records.

• For Legal and Regulatory Purposes: We may disclose information as required to comply with legal obligations or as necessary to assess legal compliance.

• To Prevent Fraud: Client information may be shared to prevent fraud, unauthorized transactions, claims, or other types of liabilities.

• Other Legal Purposes: Information may be shared with entities assessing our legal compliance or for resolution of disputes and inquiries.

III. Information Access

Access to client information is restricted to employees who need it to provide services. Employees are prohibited from using client information for marketing or personal purposes. The information shared among affiliates is strictly used for providing services and is protected from misuse.

Employees are held responsible for upholding our privacy standards and are prohibited from using this information outside the normal course of business.

IV. Practices Regarding Information Confidentiality and Security

We take significant steps to protect your personal information from unauthorized access and disclosure:

• Restricted Access: We limit access to nonpublic personal information to employees who need it to assist with providing products and services to our customers.

• Employee Responsibility: Employees are required to maintain the confidentiality of customer information and are held accountable for following our privacy policies.

• Secure Communications: We utilize secure email and internet services to protect your information when communicating electronically.

• Cybersecurity Training: We perform regular cybersecurity awareness training for all employees to ensure they understand the importance of safeguarding client data.

UNITED COVERAGE SMS PRIVACY POLICY

United Coverage values the privacy of our customers and is committed to safeguarding SMS contact information and message content. We do not sell or share SMS contact information or SMS content data with third parties for marketing purposes.

Collection and Use of SMS Data

When you communicate with United Coverage via SMS, we may collect information including:

•⁠ ⁠Your phone number
•⁠ ⁠The content of your messages
•⁠ ⁠Information you provide during SMS communications

We may use this information to:

•⁠ ⁠Respond to inquiries
•⁠ ⁠Provide customer service and support
•⁠ ⁠Communicate regarding insurance quotes, applications, policies, billing, claims-related inquiries, renewals, and other account or service matters
•⁠ ⁠Send appointment reminders and follow-up communications
•⁠ ⁠Provide notifications, updates, and other communications related to our insurance brokerage services
•⁠ ⁠Send marketing or promotional communications when the appropriate consent has been obtained

We will not use your SMS data for any other purpose without appropriate consent.

Protection of SMS Data

United Coverage employs reasonable administrative, technical, and organizational safeguards designed to protect SMS data against unauthorized access, disclosure, alteration, or destruction. We are committed to protecting the confidentiality and integrity of SMS communications.

Disclosure of SMS Data

United Coverage does not sell or share SMS contact information or SMS content data with third parties for marketing purposes.

SMS data may be disclosed when:

•⁠ ⁠Required by applicable law, regulation, legal process, or governmental request
•⁠ ⁠Necessary to protect the rights, property, or safety of United Coverage, our customers, or others
•⁠ ⁠Necessary to provide services or communications requested by you, subject to applicable privacy and confidentiality requirements

Your Rights

You may request access to, correction of, or deletion of your SMS contact or content data, subject to applicable legal, regulatory, insurance recordkeeping, and retention requirements.

To request assistance regarding your information, please contact United Coverage using the contact information provided on our website.

Data Retention

United Coverage retains SMS contact and content data only for as long as reasonably necessary to fulfill the purposes for which it was collected and to comply with applicable legal, regulatory, contractual, insurance, and recordkeeping obligations. Data that is no longer required will be deleted or securely disposed of in accordance with our data retention practices and applicable law.

Changes to This SMS Privacy Policy

United Coverage reserves the right to update or modify this SMS Privacy Policy at any time. Changes will become effective upon posting the revised policy on our website. We encourage users to review this policy periodically for updates.

Contact Us

If you have questions or concerns regarding this SMS Privacy Policy or our privacy practices, please contact United Coverage using the contact information listed on our website.

Ongoing Commitment

At United Coverage, we value your trust, and we are dedicated to maintaining the privacy and security of your personal information. We will continue to monitor and update this privacy policy as necessary to comply with legal requirements and to ensure that our practices remain effective and aligned with best business practices.

Contact Us
If you have any questions or concerns about our privacy policy or your information, please contact us directly at info@unitedcoverage.com.