PRIVACY POLICY

Cover Group LLC

Effective Date: May 22, 2026

Cover Group LLC (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you contact us, use our services, or interact with us via SMS/MMS communications. Please read this policy carefully.

1. Information We Collect

We may collect the following personal information from you:

Full name
Phone number (including for SMS/MMS communications)
Email address
Home or business address
Insurance-related information necessary to provide our services

2. How We Collect Your Information

We collect information:

Directly from you when you fill out a form, call us, email us, or send us a text message
When you request a quote, enroll in a policy, or inquire about our insurance services
Through our website contact or inquiry forms
When you opt-in to receive SMS/MMS communications from us

3. SMS / MMS Communications

How We Use SMS

By providing your phone number and consenting to receive text messages, you agree that Cover Group LLC may contact you via SMS/MMS to respond to your inquiries, provide policy updates, send appointment reminders, and share information relevant to your insurance coverage.

Opt-In

You may opt-in to receive SMS messages from us by submitting your phone number through our website contact form, by texting us directly, or by providing your number in person or over the phone and giving verbal or written consent.

Opt-Out

You may opt-out of receiving SMS messages at any time by replying STOP to any text message we send. After opting out, you will receive one confirmation message and no further messages will be sent, except as required by law.

Message Frequency & Costs

Message frequency may vary depending on your inquiries and policy activity. Standard message and data rates may apply depending on your carrier and plan.

4. How We Use Your Information

We use your personal information to:

Respond to your insurance inquiries and provide quotes
Process and manage your insurance policies
Communicate with you via phone, email, or SMS/MMS
Comply with applicable laws and regulations
Improve our services and customer experience

5. How We Share Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

With insurance carriers and underwriters to process your applications and policies
With insurance companies as necessary to provide, administer, or fulfill your coverage
With regulatory authorities or government agencies when required by law
With service providers who assist us in operating our business, subject to confidentiality obligations

We require all third parties to handle your information securely and only for the purposes for which it was shared.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

8. Your Rights

Depending on your state of residence, you may have the right to:

Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your personal information, subject to legal requirements
Opt-out of certain communications, including SMS messages

To exercise any of these rights, please contact us using the information below.

9. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on our website with a revised effective date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us: