---
title: "Privacy Policy"
description: "Read how Coverage Cat uses personal information, shares it with insurers and service providers, and does not sell it as customer leads."
canonical: "https://www.coveragecat.com/privacy-policy"
last-updated: "2026-11-04"
---
# Privacy Policy
Effective date: 11/04/2026
**November 4, 2026 update:** We added a [Data Footprint Minimization](#data-footprint-minimization) policy, including a strong preference for business tools that enforce zero data retention within their agreed scope and minimize retention to protect our customers. We also clarified contact choices, consumer-report controls, artificial-intelligence processing, browser storage, website measurement, and the limited information used in current insurance products. Coverage Cat still retains records needed to provide services and meet insurance and legal obligations.
Insurance applicants, customers, and former customers should also read our versioned [Insurance Financial Privacy Notice](/insurance-privacy-notice). It explains our GLBA and state insurance privacy practices, disclosure categories, access and correction rights, and applicable choices. The [Connector Data Handling notice](/developers/data-handling) adds narrower purpose limits for information submitted through an assistant or Agent API.
**Introduction**
Welcome to Coverage Cat, Inc.
Coverage Cat, Inc. (“us”, “we”, or “our”) operates http://coveragecat.com and affiliated websites (hereinafter referred to as “Service”).
Our Privacy Policy governs your visit to http://coveragecat.com and affiliated websites, and explains how we collect, safeguard and disclose information that results from your use of our Service.
We use your data to provide and improve Service. By using Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.
Our Terms and Conditions (“Terms”) govern all use of our Service and together with the Privacy Policy constitutes your agreement with us (“agreement”).
**Definitions**
SERVICE means the http://coveragecat.com and affiliated websites operated by Coverage Cat, Inc.
PERSONAL DATA means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
USAGE DATA is data collected automatically either generated by the use of Service or from Service infrastructure itself (for example, the duration of a page visit).
COOKIES are small files stored on your device (computer or mobile device).
DATA CONTROLLER means a natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your data.
DATA PROCESSORS (OR SERVICE PROVIDERS) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
DATA SUBJECT is any living individual who is the subject of Personal Data.
THE USER is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data.
**Information Collection and Use**
We collect several different types of information for various purposes to provide and improve our Service to you.
**Types of Data Collected**
**Personal Data**
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“ **Personal Data** ”). Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
**Cookies and Usage Data**
We may use your Personal Data to send email newsletters, marketing or promotional materials, and other information that may be of interest to you. You may opt out of these emails by following the unsubscribe link.
**Calls and Text Messages**
Coverage Cat calls and texts customers only about requested quotes, applications, and policy service. We do not currently run promotional call or text campaigns. We ask you separately whether you want service calls and service texts, including automated texts and calls using automated technology or an artificial voice. Our service-call choice also tells you that calls may be monitored, recorded, and transcribed for service, quality, and compliance; choosing Yes records your consent to that processing. These choices are optional and are not a condition of purchasing insurance. Using our website, accepting this Privacy Policy, or providing a phone number does not by itself authorize promotional calls or texts.
You can review your contact choices when prompted in your account or ask support@coveragecat.com to stop contacting you by a particular channel. Reply STOP to opt out of text messages or HELP for help; message frequency varies, and message and data rates may apply. We record your choices and the disclosure shown with them. An assistant submitting an application for you must convey your choices rather than select consent on your behalf.
**Consumer Reports and Adverse Action Notices**
Coverage Cat's consumer-report process records the insurance-underwriting purpose connected with the coverage you requested and the current consumer-report authorization you saw and answered. You may answer Yes or No and may later revoke an authorization for future requests. Coverage Cat records the disclosure text, version and hash; your answer; when and through which channel it was presented and recorded; the responsible operator or source when applicable; and attestations that the disclosure was shown and your answer came from you. An assistant acting for you must convey your own answer, include the time it presented the disclosure, and may not infer or choose an answer on your behalf.
The certification control is being introduced in audit mode while each carrier, report provider, workflow stage, and adverse-action notice owner is reviewed. Audit mode records an unclassified quote or selection workflow for compliance review but does not automatically block it, so audit records alone do not prove that every report request followed the certification sequence. Coverage Cat will enable blocking enforcement only after the relevant mappings and responsibilities are reviewed; in enforcement mode, an unknown or inactive report scope fails closed.
Responsibility for an adverse-action notice depends on the applicable insurer workflow and agreement. Coverage Cat or the insurer or other decision-maker, as applicable, must provide any notice required when consumer-report information contributes to a denial, higher premium or other adverse action. Coverage Cat records and reviews decisions reported by configured integrations or staff so the responsible party can issue or document the required notice. Audit mode does not establish that every carrier decision has been reported.
**Usage Data**
We may also collect information that your browser sends whenever you visit our Service or when you access Service by or through a mobile device (“Usage Data”).
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
**Location Data**
We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.
You can enable or disable location services when you use our Service at any time by way of your device settings.
**Tracking Cookies Data**
We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
Session Cookies: We use Session Cookies to operate our Service.
Preference Cookies: We use Preference Cookies to remember your preferences and various settings.
Security Cookies: We use Security Cookies for security purposes.
Advertising Cookies: Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.
**First-party browser storage**
We use a first-party `pfff` cookie to assign consistent website-interface experiments. It can remain for up to one year and is set with Secure and SameSite=Lax attributes. We do not use `pfff` as a PostHog distinct identifier. When the `_cc_ignore_trackers` preference is active, or when your browser sends Global Privacy Control or Do Not Track, we suppress browser PostHog and advertising-attribution processing, clear `pfff` and our first-party advertising-attribution identifiers, and use only a temporary page-level experiment value.
Before an application is submitted, the intake may save a versioned draft in your browser's local storage so you can continue after navigating away or reloading. That draft can contain the preliminary answers you entered, such as selected insurance lines, age or gender, ZIP code or address, vehicle details, current premium, net-worth range, and loss-tolerance information. After 30 days the site no longer restores the draft and removes it the next time the intake reads local storage. The site also discards older unversioned or invalid drafts and clears the draft when the intake is completed. Clearing site data in your browser removes it sooner.
We may also store a versioned application-resume record containing an internal application identifier and timestamp for up to 60 days so a returning browser can continue an application. The site migrates an older legacy resume identifier into that record the next time it reads the identifier. It removes an expired, invalid, or unsupported record the next time it reads local storage, and removes the record when the application is completed or an applicable application-clear action runs. Expiration does not erase local storage until the site next reads it. Clearing site data in your browser removes it sooner.
**Other Data**
Depending on the insurance product or service you request, we may collect identity and contact details; age and date of birth; sex or gender where relevant to the requested product; household, marital, family, employment, income, asset and other financial information; property addresses, characteristics, ownership and coverage; vehicle, driver, licence, VIN, claim, violation and accident information; criminal charge, indictment or conviction history when relevant to insurance eligibility or underwriting; consumer-report and credit-based insurance information; insurance applications, quotes, policies and uploaded documents; payment tokens and transaction status; correspondence and chat content; and account, authentication, consent and technical usage records.
Our current quote and purchase flows do not ask for Social Security or taxpayer identification numbers. Property and casualty applications may ask whether an incident caused an injury, a license suspension was medical, or someone is not working because of a disability. We do not ask for diagnoses, treatment, prescriptions, or medical histories for life, disability, or long-term care underwriting. Please do not send us Social Security numbers or medical records. The information requested varies by product.
**Use of Data**
Coverage Cat, Inc. uses the collected data for various purposes:
to provide and maintain our Service;
to notify you about changes to our Service;
to allow you to participate in interactive features of our Service when you choose to do so;
to provide customer support;
to gather analysis or valuable information so that we can improve our Service;
to create, use, and improve aggregated, anonymized, or de-identified data, as described below;
to develop, validate, and improve Coverage Cat's internal insurance price-estimation models using selected historical application and quote attributes and resulting premiums. Current model features can include ZIP code and state, age or birth year, gender or marital status where used for insurance rating, vehicle and property characteristics, coverage selections, claim, driving, or criminal charge and conviction history, household and asset counts, carrier, and quoted premium. Names, email addresses, telephone numbers, full street addresses, driver-licence numbers, VINs, and payment identifiers are not used as price-model features. Records attributed to a connector or agent workflow are excluded from new internal price-model training under the narrower connector restrictions;
to monitor the usage of our Service;
to detect, prevent and address technical issues;
to fulfill any other purpose for which you provide it;
to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
to provide you with notices about your account and/or subscription, including expiration and renewal notices, email-instructions, etc.;
to provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information;
in any other way we may describe when you provide the information;
for any other purpose with your consent.
**Aggregated, Anonymized, and De-identified Data**
We may create, use, disclose, and retain data derived from your use of Service, including Personal Data, Usage Data, quote requests, application details, Feedback, and other information you provide, in aggregated, anonymized, or de-identified form (“De-identified Data”). We may use De-identified Data for lawful business purposes, including operating, analyzing, developing, securing, and improving Service; creating benchmarks and insights; and evaluating, training, fine-tuning, or otherwise improving artificial intelligence, machine learning, large language model, and similar systems.
The internal price-model use described above can use the selected application and quote attributes directly and is not limited to De-identified Data. We limit the feature set and exclude the direct contact, licence, vehicle-identification, street-address, payment, and connector identifiers listed above. Historical model artifacts do not contain complete dataset-lineage records, so Coverage Cat cannot represent that every earlier training run used only de-identified or synthetic records.
We may share De-identified Data with contractors, service providers, and third-party vendors that support these purposes, including vendors that provide artificial intelligence or large language model services, such as OpenAI and Anthropic. We will not attempt to re-identify De-identified Data except as permitted by law, such as to test or maintain our de-identification process. This section does not permit us to sell your Personal Data.
We do not use health information, or data derived from health information, for external model training. A carrier's separate right to use records it lawfully receives does not expand Coverage Cat's use or disclosure of that information.
Our policy is to limit the Personal Data we collect, use, share, and retain to what is reasonably necessary for the purposes permitted by this Privacy Policy. We seek to reduce unnecessary copies, access, and retention, including in logs, exports, backups, and vendor systems. Where practical, we use redacted, aggregated, or de-identified information when it can serve the permitted purpose.
To protect our customers, we strongly prefer business tools, services, and configurations that enforce zero data retention (ZDR) within their agreed scope and otherwise minimize data retention, particularly for sensitive information and artificial intelligence processing. Our default preference when selecting or renewing vendors is to use a suitable ZDR option where reasonably available. For this policy, ZDR means a commitment not to retain submitted content or generated outputs after processing within the service's agreed scope. Before relying on ZDR, we assess the terms and settings for the specific service and feature, including any retained metadata or legal and security exceptions. A commitment not to train models on data does not, by itself, establish ZDR.
We may use vendors without ZDR, or features outside a vendor's ZDR coverage, when reasonably needed to provide, secure, support, or improve Service, meet insurance or legal obligations, or carry out other uses permitted by this Privacy Policy, including permitted uses of De-identified Data. Such choices should be justified by the permitted purpose, the sensitivity of the information, available alternatives, and the vendor's retention and use terms. For these uses, we seek appropriate contractual and technical safeguards, limit the information shared and access granted, and favor the shortest retention consistent with the permitted purpose.
Coverage Cat retains records needed for insurance transactions, customer support, security, billing, or legal obligations. Our preference for ZDR tools does not mean that Coverage Cat or every provider retains no data. Our own retention remains subject to the Retention of Data section below. We seek to review data needs and vendor retention settings periodically and to delete or de-identify information when it is no longer needed, subject to applicable retention requirements.
This section does not authorize new uses of information or override a narrower legal, contractual, carrier, partner, or connector restriction. In particular, the [Coverage Cat Connector Data Handling notice](https://www.coveragecat.com/developers/data-handling) controls for the data within its scope. De-identification, aggregation, or a vendor's ZDR status does not waive those restrictions.
**Retention of Data**
We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.
If you request account deletion, Coverage Cat deletes covered application and service-delivery records and document references from its application database, subject to applicable exceptions. This database action does not synchronously erase uploaded cloud-storage objects, vendor copies or backups; those remain subject to separate retention and deletion processes and applicable law. Consent receipts and consumer-report purpose, decision, notice, review and delivery evidence may remain when needed for legal, insurance, audit or dispute obligations. Those retained records can include application or decision references, disclosure and response evidence, contact or recipient information, consumer-report source or score information, notice content and reviewer or delivery records. They remain subject to this retention standard and applicable access controls.
**Transfer of Data**
Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
Coverage Cat, Inc. will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
**Disclosure of Data**
We may disclose personal information that we collect, or you provide:
Disclosure for Law Enforcement.
Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities.
Business Transaction.
If we or our subsidiaries are involved in a merger, acquisition or asset sale, your Personal Data may be transferred.
Mobile Information.
Mobile telephone numbers and text-message opt-in data will not be shared with third parties or affiliates for their marketing or promotional purposes. Coverage Cat does not use the Meta/Facebook Pixel or Conversions API. Our advertising conversion integrations do not send customer email addresses or telephone numbers, including hashed versions of those contact details. Other website analytics and advertising technologies described in this policy may still process cookies, click identifiers, browser information, and permitted public-page events. Advertising services initialize only on selected public-page loads and are excluded from direct application, account, payment, document, authentication, and agent page loads and from URLs with unrecognized query parameters. If code initialized on a public page remains resident after an in-app navigation, Coverage Cat disables private-workflow tracking and does not send private-workflow events. We suppress advertising services and clear our advertising-attribution cookies when your browser sends Global Privacy Control or Do Not Track.
Other cases. We may disclose your information also:
to our subsidiaries and affiliates;
to contractors, service providers, and other third parties we use to support our business;
to insurers, reinsurers, managing general agents, broker networks, carrier portals and other distribution partners as needed to quote, underwrite, bind or service the insurance you request;
to consumer reporting agencies and underwriting-data providers for an authorized insurance-underwriting purpose, subject to applicable law and the consent and purpose controls described in this policy;
to fulfill the purpose for which you provide it;
for the purpose of including your company’s logo on our website;
for any other purpose disclosed by us when you provide the information;
with your consent in any other cases;
if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others.
**Security of Data**
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
**Your Data Protection Rights Under General Data Protection Regulation (GDPR)**
If you are a resident of the European Union (EU) and European Economic Area (EEA), you have certain data protection rights, covered by GDPR. – See more at https://eur-lex.europa.eu/eli/reg/2016/679/oj
We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.
If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please email us at support@coveragecat.com.
In certain circumstances, you have the following data protection rights:
the right to access, update or to delete the information we have on you;
the right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete;
the right to object. You have the right to object to our processing of your Personal Data;
the right of restriction. You have the right to request that we restrict the processing of your personal information;
the right to data portability. You have the right to be provided with a copy of your Personal Data in a structured, machine-readable and commonly used format;
the right to withdraw consent. You also have the right to withdraw your consent at any time where we rely on your consent to process your personal information;
Please note that we may ask you to verify your identity before responding to such requests. Please note, we may not able to provide Service without some necessary data.
You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).
**California Online Privacy Protection Act (CalOPPA)**
CalOPPA requires covered commercial websites and online services to post a privacy policy that identifies the categories of personally identifiable information collected and the categories of third parties with whom it may be shared, explains how consumers can review or request changes to their information, states the policy's effective date, and describes how the operator responds to browser Do Not Track signals or similar mechanisms. This policy provides those disclosures, including our response to Do Not Track and Global Privacy Control signals above. You can request changes to your personal information by emailing support@coveragecat.com. See the [California Attorney General's guidance on online tracking disclosures](https://oag.ca.gov/privacy/online-privacy).
**Your Data Protection Rights under the California Consumer Privacy Act (CCPA)**
If you are a California resident and the CCPA applies to the information at issue, you may have the right to know and access personal information, request deletion subject to exceptions, correct inaccurate information, opt out of sale or sharing, limit certain uses and disclosures of sensitive personal information, and receive equal service and pricing when you exercise these rights. To exercise these rights, you can make certain requests and ask us:
What personal information we have about you. If you make this request, we will return to you:
The categories of personal information we have collected about you.
The categories of sources from which we collect your personal information.
The business or commercial purpose for collecting, selling or sharing your personal information.
The categories of third parties with whom we share personal information.
The specific pieces of personal information we have collected about you.
A list of categories of personal information that we have sold, along with the category of any other company we sold it to. If we have not sold your personal information, we will inform you of that fact.
A list of categories of personal information that we have disclosed for a business purpose, along with the category of any other company we shared it with.
Applicable law may limit the number, scope, or time period of requests we must fulfill.
To delete your personal information. Subject to applicable exceptions and insurance, legal, and contractual retention obligations, we will delete the personal information covered by a verified request and direct service providers to do the same where required by applicable law. In some cases, deletion may be accomplished through de-identification. If you choose to delete your personal information, you may not be able to use certain functions that require your personal information to operate.
To correct inaccurate personal information. If you make a verified request, we will evaluate and correct covered inaccurate information as required by applicable law.
To limit certain uses or disclosures of sensitive personal information where that right applies. Coverage Cat uses sensitive information to provide requested insurance and related services and for other purposes permitted by law. You may submit a request by emailing support@coveragecat.com.
To stop selling or sharing your personal information where an opt-out right applies. Coverage Cat's policy is not to sell your personal information. You may nevertheless submit an opt-out request by emailing support@coveragecat.com. We also honor Global Privacy Control signals for the browser-based advertising technologies described above.
If you ask us to delete information, it may affect features that require that information to operate. We will not discriminate against you for exercising an applicable privacy right.
To exercise your California data protection rights described above, please send your request(s) by one of the following means:
By email: support@coveragecat.com
For more information, see the [California Attorney General's CCPA guidance](https://oag.ca.gov/privacy/ccpa).
**Service Providers**
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used.
The information a third party receives and how it may process that information depend on the disclosed purpose, the service provided, applicable agreements and privacy notices, and legal obligations.
**Analytics**
We may use third-party Service Providers to monitor and analyze the use of our Service. The following may not list all Service Providers we employ to facilitate Service.
PostHog
PostHog helps us measure website usage, evaluate interface experiments, and diagnose service errors. Our website configuration disables PostHog session replay, automatic capture of page text and form interactions, browser console recording, and browser exception capture. Browser analytics use a limited set of explicit events and technical properties; query strings, URL fragments, and customer-specific paths are removed from their page metadata. We do not use the `pfff` experiment cookie as the PostHog distinct identifier. When the `_cc_ignore_trackers` preference is active, or when your browser sends Global Privacy Control or Do Not Track, the site opts the browser out of PostHog capture. These choices apply to later browser activity and do not request retroactive deletion of previously collected records. Separate server-side PostHog events may include an application or session identifier, purchase-stage events, policy carrier, line and premium information, and error diagnostics. The browser controls described above do not apply to those server-side events. PostHog hosts the collected analytics and diagnostic data on cloud servers.
For more information, see the [PostHog Privacy Policy](https://posthog.com/privacy/).
SigNoz
We use SigNoz Cloud for server-side operational logging, tracing, metrics, and service diagnostics. SigNoz may receive technical request and service data, application or session identifiers, and other context included in those diagnostic signals. The browser-side PostHog controls described above do not apply to this server-side diagnostic flow.
Google Analytics
We use Google Analytics on selected public pages to measure website usage and permitted events on those pages. Google may receive cookies and click identifiers, browser and device information, IP address, and public-page visit or event information. Our Google advertising measurement settings and the available choices are described below.
For more information, see the [Google Privacy Policy](https://policies.google.com/privacy).
**CI/CD tools**
We may use third-party Service Providers to automate the development process of our Service.
GitHub
GitHub is provided by GitHub, Inc.
GitHub is a development platform to host and review code, manage projects, and build software.
For more information, see the [GitHub General Privacy Statement](https://docs.github.com/en/site-policy/privacy-policies/github-general-privacy-statement).
**Advertising Measurement**
We use advertising-measurement services on selected public pages to understand visits and permitted events associated with our advertising. These services may process cookies and click identifiers, browser and device information, and public-page visit or event information as described below. Before a service initializes, Coverage Cat separates permitted click or source values for first-party attribution, then removes the complete query string and fragment from the page address used by the service. We do not initialize these services on direct application, account, payment, document, authentication, or agent page loads. Code initialized on a public page may remain resident after an in-app navigation, but Coverage Cat disables browser tracking for the private workflow and does not send private-workflow browser events. When you continue from a public page into an application, Coverage Cat may copy validated advertising click or source values from its first-party cookies into its own application record. We do not export an insurance application or its conversion outcome to an advertising-measurement provider. We do not send customer email addresses or telephone numbers, including hashed versions of those contact details, to these advertising-measurement providers.
Google Analytics and Google Ads
We use Google Analytics and Google Ads on selected public pages to measure visits and permitted public-page events associated with our advertising. Their browser code excludes private application, account, payment, document, authentication, and agent events. We do not send submitted-application conversion records to Google Ads. We also do not send customer email addresses or telephone numbers, including hashed versions of those contact details. For more information and advertising choices, see the [Google Privacy Policy](https://policies.google.com/privacy) and [Google Ads Settings](https://www.google.com/settings/ads).
You can also install the [Google Analytics Opt-out Browser Add-on](https://tools.google.com/dlpage/gaoptout) to limit Google Analytics collection in your browser.
Microsoft Advertising
We use Microsoft Universal Event Tracking (UET) on selected public pages to measure visits and permitted public-page events associated with our advertising. Private-funnel application, account, payment, document, authentication, and agent events are excluded. Microsoft may receive cookie or click identifiers, browser and device information, and public-page visit or event information. Our integration does not send customer email addresses or telephone numbers, including hashed versions of those contact details.
For more information and advertising choices, see the [Microsoft Privacy Statement](https://privacy.microsoft.com/privacystatement) and [Microsoft personalized advertising controls](https://account.microsoft.com/privacy/ad-settings/).
Reddit
We use the Reddit Pixel on selected public pages to measure visits and permitted public-page events associated with our advertising. Private-funnel application, account, payment, document, authentication, and agent events are excluded. Reddit may receive cookie and click identifiers, browser and device information, and public-page visit or event information. Our integration does not send customer email addresses or telephone numbers, including hashed versions of those contact details. For details and advertising choices, see the [Reddit Privacy Policy](https://www.reddit.com/policies/privacy-policy).
**Payments**
We may provide paid products and/or services within Service. In that case, we use third-party services for payment processing (e.g. payment processors).
Information that is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy.
Depending on the purchase flow, payment details may be collected by Stripe, Strac/Token ID Vault, or an insurer's payment system. Coverage Cat receives tokens, status, and other information needed to complete or service the transaction rather than using payment details for advertising.
**Other Providers**
Cloud hosting and document processing
We use Amazon Web Services (AWS) for cloud services, including document storage and document extraction. Uploaded documents and derived text or results may be stored in Amazon S3 and processed by Amazon Textract when needed for an application or support workflow. AWS processes this information under its applicable service terms.
Communications
We use Postmark to send email and Surge to send text messages. Mailgun supports inbound and legacy email processing, and Sendo supports inbound text-message processing where configured. These providers may receive the recipient or sender email address or telephone number, message content, delivery metadata, and other information needed to route, secure, and diagnose the communication.
Senja
We use Senja to display customer reviews on selected public pages and to collect reviews from customers who choose to submit them. Loading a review widget may send browser request information to Senja, and a submitted review may include the information you provide. See the [Senja Privacy Policy](https://senja.io/legal/privacy-policy).
YouTube
Some public pages contain embedded YouTube videos. Loading an embedded video may allow Google/YouTube to receive browser, device, cookie, IP address, page-visit, and video-interaction information under Google's privacy terms. See the [Google Privacy Policy](https://policies.google.com/privacy).
Cobbery
When you have permitted service calls about a requested quote, application, or policy, we may use Cobbery to place that call. Cobbery may receive your telephone number and name together with identifiers needed to connect the call to your request and processes the live call audio and conversation content needed to provide the call. Calls may be monitored, recorded, and transcribed as described in the service-call choice. This service contact permission does not authorize promotional calls.
Comparative rating and agency systems
We may send home or auto application information, including contact, property, vehicle, driver, licence, and date-of-birth information, to comparative-rating and agency platforms such as EZLynx to obtain or submit insurance quotes.
Address, property, and policy services
We may send an address or property query to services such as Google Places, Precisely, Zillow, or Realtor.com to validate an address or obtain property characteristics used in an insurance application. Home-intake maps may load map tiles from CARTO; a tile request may include browser and request information and map coordinates for the area shown. See the [CARTO Privacy Notice](https://carto.com/privacy/).
We may send a vehicle identification number (VIN) to the National Highway Traffic Safety Administration's Vehicle Product Information Catalog (vPIC) service to decode vehicle details used in an insurance application. NHTSA processes that request under its applicable government website and service terms.
If you choose a Covie policy-connection feature, the Covie software development kit loads for that feature and may receive browser request and page metadata as well as policy or insurance-document information needed for the connection. These providers process information under their own applicable terms and privacy notices.
OpenAI
OpenAI is used to facilitate some aspects of our Service, including artificial intelligence features and model evaluation or improvement as described above. An intake-chat turn sends the answer being interpreted and a minimized snapshot of relevant application context. If the answer itself is an email address or telephone number requested by the application, that value is sent so it can be recorded correctly. The accompanying persisted snapshot excludes stored email addresses, telephone numbers, driver-licence numbers, VINs, payment identifiers, advertising or analytics identifiers, and internal record identifiers; it can retain names, dates of birth, addresses, and underwriting facts when they help complete the application. Other OpenAI-assisted document or service workflows may receive the document, message, or application context needed for that task.
Coverage Cat has a signed Zero Data Retention agreement with OpenAI. That agreement applies within its agreed service and feature scope. If you use our ChatGPT connector, OpenAI's ChatGPT platform receives the conversation inputs and tool results sent through that platform so it can respond to you; your ChatGPT account and conversation are governed by the platform terms and settings that apply to you, not by Coverage Cat's ZDR agreement. Connector data remains subject to the narrower [Coverage Cat Connector Data Handling notice](https://www.coveragecat.com/developers/data-handling). You can learn more about the privacy practices and policies of OpenAI by visiting its [Privacy Policy](https://openai.com/policies/privacy-policy/) and [API data controls](https://developers.openai.com/api/docs/guides/your-data).
Anthropic
If you use our Claude connector, Anthropic's Claude platform receives the conversation inputs and tool results sent through that platform so it can respond to you. Your Claude account and conversation are governed by the platform terms and settings that apply to you. Anthropic models may also be selected through another provider for an approved evaluation, as described below. Coverage Cat's OpenAI ZDR agreement does not apply to Anthropic or your Claude conversation. See the [Anthropic Privacy Policy](https://www.anthropic.com/legal/privacy).
Other AI and automation providers
Depending on the feature and configuration, Coverage Cat may use other specialized providers, including Datalab for document extraction, FurtherAI or Skyvern for carrier-workflow automation, and OpenRouter with a specifically selected downstream model provider for approved evaluations. These services may receive the application facts, documents, messages, or workflow context needed for the requested task. We strongly prefer business tools that enforce zero data retention within the agreed scope and minimize retention, but our OpenAI agreement does not govern these other providers. Their own terms and the settings selected for the specific service and feature govern their retention and use.
**Links to Other Sites**
Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
**Children's Privacy**
Our Services are not intended for use by children under the age of 13 (“Children”).
We do not knowingly collect personally identifiable information from Children under 13. If you become aware that a Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.
**Changes to This Privacy Policy**
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
When appropriate, we may also notify you by email or a prominent notice on our Service. We will update the effective date at the top of this Privacy Policy when changes take effect.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
**Contact Us**
If you have any questions about this Privacy Policy, please contact us:
By email: support@coveragecat.com.
