Privacy Policy
Date of last Revision: October 2019
Goodcover values your privacy and the trust you have placed in us to protect it. This Privacy Policy explains how information about you is collected, used and disclosed by Goodcover Insurance Solutions, LLC and its subsidiaries and affiliated companies ("Goodcover", “we”, “us”, and “our”). This Privacy Policy applies to information we collect when you use our website, mobile application and other online products and services that link to this Privacy Policy (collectively, the "Service").
We may change this Privacy Policy from time to time. If we make changes, we will notify you by revising the date at the top of the policy and, in some cases, we may provide you with additional notice (such as adding a statement to our homepage or sending you an email notification). We encourage you to review the Privacy Policy whenever you access the Service to stay informed about our information practices and the ways you can help protect your privacy.
Protecting the Privacy of Minors
The Service is solely for persons aged 18 and over. Goodcover takes protecting the privacy of minors very seriously.
If Goodcover learns that Personal Information has been collected from persons under the age of 18 on or through the Service, we will take the appropriate steps to erase this information. If it comes to Goodcover’s attention through reliable means that a registered user or Member is a person under 18 years of age, Goodcover will cancel that user's account and/or access to the Service and the Site.
IF YOU ARE UNDER THE AGE OF 18, YOU MAY NOT USE OR ACCESS THE SERVICE OR THE SITE.
Collection of Information
Information you Provide to Us
We collect information you provide directly to us. For example, we collect information when you request a quote, modify your policy, make a claim, update your personal information, join our mailing list, fill out a form, respond to a survey, apply for a job, post a comment or other content, request support, send us an email, or otherwise communicate with us. The types of information we may collect, and the reasons we collect it, are listed below. They include, but are not limited to:
Your name, residential address, date of birth, and certain other information collected through the forms on the website, including information about your residence, personal property, and claims history.
We use this information to help recommend products for you, and determine the appropriate amount and price of coverage, based on a risk assessment of your profile and your property. We may also use this information to contact you.
A list of the information you have provided to us used in the underwriting of your insurance policy can be obtained by emailing us at support@goodcover.com.
Your email address and telephone number.
We use this information as our primary means of communicating with you.
Your payment information.
Our third party payment gateway, Stripe, uses this to process the payments for your insurance coverage. We maintain limited information about your transactions and payment information.
Incident information, including time and date, location, and details of the incident.
This information collected from the Claims area of our website expressly for the purpose of processing your claim, including this information being shared with third-party contractors we have retained to assist us.
Information we Collect Automatically When you Use the Service
When you access or use our Service, we automatically collect information about you, including:
- Log Information: We log information about your use of the Service, including the type of browser you use, access times, pages viewed, your IP address and the page you visited before navigating to our Service.
- Device Information: We collect information about the computer or mobile device you use to access our Service, including the hardware model, operating system and version, unique device identifiers and mobile network information.
- Information Collected by Cookies and Other Tracking Technologies: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files stored on your hard drive or in device memory that helps us to improve our Service and your experience, see which areas and features of our Service are popular and count visits. We may also collect information using web beacons (also known as "tracking pixels"). Web beacons are electronic images that may be used in our Service or emails and help deliver cookies, count visits, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon. For more information about cookies, and how to disable them, please see "Your Choices" below.
Information We Collect From Other Sources
We may also obtain information from other sources and combine that with the information we collect through our Service.
Use of Information
We may use information about you for various purposes, including to:
- Provide, maintain and improve our Service;
- Send you technical notices, updates, security alerts and support and administrative messages;
- Respond to your comments, questions and requests and provide service;
- Communicate with you about products, services, offers, promotions, rewards, and events offered by Goodcover and others, and provide news and information we think will be of interest to you;
- Monitor and analyze trends, usage and activities in connection with our Service;
- Detect, investigate and prevent fraudulent transactions and other illegal activities and protect the rights and property of Goodcover and others;
- Personalize and improve the Service and provide content or features that match user profiles or interests;
- Process and deliver contest entries and rewards;
- Link or combine with information we get from others to help understand your needs and provide you with better service; and
- Carry out any other purpose for which the information was expressly collected.
Goodcover is based in the United States and the information we collect is governed by U.S. law. By accessing or using the Service or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries.
Sharing of Information
We will not share or sell your information for marketing purposes.
We may share information about you as follows or as otherwise described in this Privacy Policy:
- With vendors, consultants and other service providers who need access to such information to carry out work on our behalf;
- In response to a request for information if we believe disclosure is in accordance with any applicable law, regulation or legal process, or as otherwise required by any applicable law, rule or regulation;
- If we believe your actions are inconsistent with the spirit or language of our user agreements or policies, or to protect the rights, property and safety of Goodcover or others;
- In connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition of all or a portion of our business to another company; and
- With your consent or at your direction, including if we notify you through our Service that the information you provide will be shared in a particular manner and you provide such information.
We may also share aggregated or anonymized information that does not directly identify you.
Links to Other Websites
Our Site may contain links to other websites. Any personal information you provide on such linked pages is provided directly to that third party and is subject to that third party's privacy policy. This Privacy Policy does not apply to such linked sites, and we are not responsible for the content or privacy and security practices and policies of these websites or any other sites that are linked to from the Sites. We encourage you to learn about their privacy and security practices and policies before providing them with personal information.
Social Sharing Features
The Service may offer social sharing features and other integrated tools (such as the Facebook "Like" button), which let you share actions you take on our Service with other media, and vice versa. The use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features.
Analytics Services
We may allow third parties to provide analytics services. These entities may use cookies, web beacons and other technologies to collect information about your use of the Service and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. This information may be used by Goodcover and others to, among other things, analyze and track data, determine the popularity of certain content, deliver content targeted to your interests on our Service and other websites and better understand your online activity.
Security
Goodcover takes reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction.
Your Rights and Choices
Managing Your Information
Goodcover values your privacy and control over your information and therefore you may, at any time, request to access your information in order to understand what information is being processed by Goodcover. You may ask Goodcover to change and update your information. You may also ask Goodcover to erase your personal information, if it is inaccurate or processed in violation of this Privacy Policy, except for data that Goodcover is required to maintain under applicable laws and regulations.
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits users and Members who are California residents to request and obtain from Goodcover once a year, free of charge, information about the personal information (if any) Goodcover disclosed to third parties for direct marketing purposes in the preceding calendar year. As noted above, Goodcover does not share or sell your personal information for marketing purposes. If you are a California resident and would like more information, please submit your request to support@goodcover.com with the subject line “California Privacy Rights.”
Cookies
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Service.
Promotional Communications
You may opt out of receiving promotional emails from Goodcover by following the instructions in those emails. If you opt out, we may still send you non-promotional communications, such as those about your account or our ongoing business relations.
Mobile Push Notifications/Alerts
With your consent, we may send promotional and non-promotional push notifications or alerts to your mobile device. You can deactivate these messages at any time by changing the notification settings on your mobile device.
Contact Us
If you have any questions about this Privacy Policy, please contact us at: support@goodcover.com.