CoverHound

Privacy Policy

General

CoverHound takes each individual's right to privacy extremely seriously. This privacy policy applies to http://coverhound.com owned and operated by CoverHound. This privacy policy describes how CoverHound collects and uses the personal information you provide on our website: http://coverhound.com. This Privacy Policy (the "CoverHound Privacy Policy") is designed to assist you in understanding how CoverHound will collect, use and safeguard any personal information which may be used to identify you -- like your name, location, email address and telephone number among numerous other types of information (collectively, "Personal Information").

CoverHound has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program covers only information that is collected through this website, http://coverhound.com.

TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy Trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us at privacy@coverhound.com. If you are not satisfied with our response you can contact TRUSTe here.

You may choose whether to provide Personal Information to CoverHound. This CoverHound Privacy Policy, which provides guidance with respect to when and where on the CoverHound Website we collect Personal Information, should help you to make this choice. Generally speaking, you may browse the CoverHound website without telling us who you are or revealing personal information. However, because automobile insurance rate information is fact-specific for each driver, not all content or features will be available on the CoverHound website if you elect to withhold Personal Information. In situations where Personal Information might be released by you to CoverHound, CoverHound has implemented processes intended to protect your Personal Information and maintain its security, all as further set forth in this CoverHound Privacy Policy.

First, be advised that CoverHound strives to comply with all applicable laws around the globe designed to protect your privacy. Although legal requirements may vary from state to state and from country to country, CoverHound intends to adhere universally to the principles set forth in this CoverHound Privacy Policy. In other words, CoverHound's goal is to provide protection for your Personal Information no matter where that Personal Information is collected, transferred or retained. In terms of the physical security of our servers and web hosting, be advised that the CoverHound servers are all located in the United States in areas with security procedures, and that we use firewalls and implement available state-of-the-art security technologies. These safeguards help prevent unauthorized access to any Personal Information CoverHound may collect.

Please be advised that from time to time we may make changes to the CoverHound Privacy Policy to meet our -- and your -- changing needs. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to regularly check this CoverHound Privacy Policy so you are informed of our privacy policies.


The Types of Information Collected By CoverHound

The CoverHound website will pose questions to visitors as part of CoverHound's effort to publish real insurance rates for you. We collect sensitive information such as social security number, driver license number and credit card number. We may this information to verify your driving record or when you choose to buy insurance, etc. These questions will also include items typically asked by automobile insurance providers such as zip code, date of birth, education level, years of driving experience, number of cars owned and/or driven, number of accidents, number of moving violations and so forth. Further, in instances where the website visitor completes a "contact me" form, we will ask for that website visitor's name and telephone number.

When you sign up to get a quote from CoverHound, we ask for your email address. This information lets us send your rates after you leave the site, so you can have them handy. Additionally, your email address enables us to retrieve your quotes -- thereby skipping the process of filling out the application form again -- should you return to the CoverHound site.

You may also provide personal information about other people, such as their name, date of birth and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided.

We obtain address information about you from third party sources, such as the US Postal Service, to verify your address so we can properly ship your order to you and to prevent fraud.


Information Sharing

We will share your personal information with third parties only in the ways that are described in this privacy policy. We do not sell your personal information to third parties.

We may provide your personal information to companies that provide services to help us with our business activities such as email service and chat/live feature. These companies are authorized to use your personal information only as necessary to provide these services to us.


Cookies and Other Tracking Technologies

CoverHound uses "Cookies," small text files saved on your computer, to optimize your experience using our website. Cookies store information such as your Internet Protocol (IP) address, operating system, and session ID. In addition, information you submit in our forms may also be stored. We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. We use session cookies to make it easier for you to navigate our site. A persistent cookie remains on your hard drive for an extended period of time. We set a persistent cookie to store your information, so you don’t have to enter it more than once. By changing your browser settings, you can reject cookies, or have your computer warn you each time a website attempts to deploy a cookie but your ability to use some areas of website will be limited.

Analytics / Log Files

CoverHound will also gather certain information automatically and store it in log files. These log files contain standard information collected by web servers, such as client IP addresses, browser type, internet service provider (ISP), operating system, etc. CoverHound uses this information, which does not identify individual users, to analyze trends, to administer the CoverHound website and to gather demographic information about its user base as a whole. CoverHound does not link this automatically collected data to Personal Information.

Web Beacons / Gifs

Our third party advertising partner employs a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personal information.

3rd Party Tracking

The use of cookies by our select, trusted marketing partners and Google Analytics are not covered by our privacy policy. We do not have access or direct control over these cookies. Our trusted marketing partners and Google Analytics use both session ID and/or persistent cookies to make it easier for you to navigate our site, in order for you to access and compare the most accurate insurance quotes tailored for you. Please deactivate and/or clear your web browser's cookies if you do not want this to occur.

Behavioral Targeting / Re-Targeting

We partner with a third party ad network to either display advertising on our website or to manage our advertising on other sites. Our ad network partner uses cookies and Web beacons to collect non-personal information about your activities on this and other websites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking Here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.


User Access and Choice

If your personal information changes, or if you no longer desire our service, you may correct, update or delete/remove it by emailing our Customer Support at privacy@coverhound.com or by contacting us by telephone or postal mail at the contact information listed below. We will respond to your request to access within 30 days.

We will retain your information for a minimum of one year or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.


CoverHound Communications

CoverHound was created to provide consumers with an excellent experience when shopping for insurance. With this in mind, we don’t send spam and your feedback is welcomed at any time.

When you purchase a policy via CoverHound, you agree to receive CoverHound’s service communications regarding your policy and your primary usage of our products and service, such as billing notices, confirmations of changes, and changes to our products and service. You may not unsubscribe from these service communications.

From time to time, CoverHound may send you emails about our promotions or third-party promotions. In addition, prior to purchasing a policy or after canceling your policy, CoverHound may send you emails to remind you to complete the application process, confirm your quote, invite you come back to get a new quote and purchase a policy. We believe they are helpful, but you can opt out of these emails at any time. Each of these emails we send has an unsubscribe link. If you click on the link, you won’t hear from us again (unless you change your mind)!


Third-party Websites

CoverHound is not responsible for the practices employed by websites linked to or from the CoverHound website, nor the information or content contained therein. When you use a link from the CoverHound website to another website, our Privacy Policy is no longer in effect. Browsing and interaction on any other website, including websites which have a link to the CoverHound website, is subject to that website's own rules and policies.


Blogs

Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at privacy@coverhound.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.


Social Media Widgets

Our website includes Social Media Features, such as the Facebook and Twitter buttons and Widgets or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.


Compliance with Children's Online Privacy Protection Act

The CoverHound website is not designed to attract anyone not of legal driving age in the United States. Persons under the age of 16 should not use the CoverHound website, and upon reading this should leave the CoverHound site immediately. Accordingly, under no circumstance does CoverHound seek to collect Personal Information from people under the age of 16.


Security

The security of your personal information is important to us. When you enter sensitive information (such as a credit card number) on our billing forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at privacy@coverhound.com.


Your Consent

By using the CoverHound website, you consent to the terms of this CoverHound Privacy Policy and to CoverHound's processing of Personal Information for the purposes given above as well as those explained where CoverHound collects Personal Information. As stated above, should the CoverHound Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our website for a reasonable period of time.


Compliance with Legal Requirements; Law Enforcement

Any information collected by CoverHound may be shared if it is necessary to investigate, prevent or prosecute illegal activities, suspected fraud, violations to the Terms and Conditions, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request or as otherwise required by law or a valid government request (including, but not limited to, search warrants, subpoenas or court orders). CoverHound may also share information if it is acquired by or merged with another company. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.


Your California Privacy Rights

Beginning on January 1, 2005, California Civil Code Section 1798.83 permits our customers who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send us a written request at:


Privacy
CoverHound, Inc.
143 2nd St., Second Floor
San Francisco, CA 94105
415-671-8128

Contacting Us

For more information, or if you have questions or concerns regarding CoverHound's Privacy Policy, you may email us at privacy@coverhound.com or you can send correspondence to the mailing address above.

Last updated August 30, 2013