1. Introduction

CoverIQ ("we," "us," or "our") operates the CoverIQ platform, a customer relationship management (CRM) tool designed for life insurance professionals. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our services.

By using CoverIQ, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use our platform.

2. Information We Collect

Information You Provide

Account registration information (name, email address, agency name)
Lead and contact data you import or enter into the platform
Payment and billing information (processed securely through Stripe)
Communications and messages sent through the platform
Phone calls made through our VoIP integration

Information Collected Automatically

Log data including IP address, browser type, pages visited, and timestamps
Device information and operating system
Usage patterns and feature interactions
Cookies and similar tracking technologies

3. How We Use Your Information

To provide, maintain, and improve our services
To process transactions and send billing notifications
To send SMS messages and emails on your behalf through integrated services
To provide AI-powered features including lead scoring and message generation
To respond to support requests and communicate with you
To detect and prevent fraud or abuse
To comply with legal obligations

4. Data Sharing and Disclosure

We do not sell your personal data. We may share information with:

Service providers: Stripe (payments), Twilio (SMS/voice), Clerk (authentication), OpenAI (AI features), and other vendors necessary to operate the platform.
Legal requirements: When required by law, regulation, or valid legal process.
Business transfers: In connection with a merger, acquisition, or sale of assets, with appropriate notice.

5. Lead and Contact Data

You retain full ownership of the lead and contact data you upload or enter into CoverIQ. We process this data solely to provide the platform features you use. You are responsible for ensuring you have the appropriate consent or legal basis to store and communicate with your leads under applicable laws including TCPA, CAN-SPAM, and any state regulations.

6. Data Security

We implement industry-standard security measures to protect your data, including encryption in transit (TLS) and at rest, access controls, and regular security reviews. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain your account data for as long as your account is active or as needed to provide services. You may request deletion of your data at any time by contacting us at support@coveriq.com. We will delete your data within 30 days of such request, subject to any legal retention requirements.

8. Cookies

We use cookies and similar technologies to maintain your session, remember preferences, and analyze platform usage. You can control cookies through your browser settings, though disabling cookies may affect platform functionality.

9. Your Rights

Depending on your location, you may have the right to:

Access the personal data we hold about you
Correct inaccurate data
Request deletion of your data
Object to or restrict certain processing
Data portability

To exercise these rights, contact us at support@coveriq.com.

10. Children's Privacy

CoverIQ is not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through the platform. Continued use after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy, please contact us at:

CoverIQ

support@coveriq.com