What Information We Collect

We collect information when you fill out a form, request a quote, schedule an appointment, or otherwise provide it to us. This may include:

• Name
• Email address
• Mailing address
• Phone number
• Date of birth, gender, and other personal details needed for insurance quotes

You may also visit our site without providing information.

How We Use Your Information

• Generate insurance quotes and proposals
• Contact you with information about your request, including by phone, SMS, email, or automated calls (with your consent)
• Schedule and manage appointments
• Service your policy and maintain our business records
• Comply with legal or regulatory requirements

We will never sell or trade your information for unrelated marketing purposes.

How We Share Your Information

To provide accurate quotes and help secure a policy, we may share your information with:

• Licensed insurance carriers
• Our contracted marketing organizations (FMOs/BGAs/Market Access Providers)
• Trusted service providers who help us operate our website, systems, and communications

With your permission at the time, your information may also be shared with another licensed agency or carrier if we believe they may have a product better suited to your needs.

All parties we share with are required to keep your information confidential and use it only for the purpose of serving your request.

We may also disclose your information if required by law, to enforce our site policies, or to protect rights, property, or safety.

Security and Retention

We implement security measures to protect your data from unauthorized access. We keep your information only as long as necessary to provide services, comply with legal or regulatory obligations, resolve disputes, or enforce agreements.

Cookies and Third-Party Tools

Our website may use cookies or third-party services to improve your experience. These include, but are not limited to:

• Calendly for scheduling
• MailerLite for email and newsletters
• Other trusted service providers who support our operations

Each provider has its own privacy policy. We do not control and are not responsible for their actions.

Children’s Privacy

Our services are not directed to children under 18. We do not knowingly collect information from anyone under 18. If we discover that we have collected such information, we will delete it.

Your Rights and Our Limitations

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of your personal information, and to opt out of certain uses of your data.

We will honor those rights where the law requires. However, some information cannot be deleted or limited because:

• We are required to keep it by state or federal insurance regulations
• It is needed to provide quotes, process applications, or service policies
• We must maintain certain business or financial records
• It may be required to establish, exercise, or defend legal claims

When you make a request, we will explain what can be fulfilled and what must be retained.

State-Specific Notices

• Florida: We honor state and federal Do Not Call rules and contact you only with your consent. and limit calls and texts to 8 a.m. to 8 p.m. local time, per Florida law.
• Indiana (effective Jan 2026): You may request access, correction, deletion, a copy of your data, and to opt out of certain uses where the law allows.
• Ohio: We follow recognized security practices to protect your data, providing safe harbor under Ohio law.

International Visitors

Our website is intended for U.S. residents. If you access our services from outside the United States, you consent to your information being transferred to and processed in the United States.

Data Breach Notification

If there is a data breach affecting your personal information, we will notify you as required by applicable state and federal law.

Marketing Opt-Outs

You may opt out of marketing communications at any time:

• By following the unsubscribe link in an email
• By replying STOP to a text message
• By contacting us directly

Updates to This Policy

We may update this policy from time to time. The latest version will always be posted on this page with the date of last revision.

Contact Us

If you have any questions about this policy or how your information is handled, please contact us:

Coverage Captain
Email: hello@coveragecaptain.insure
Phone: 772-675-LIFE
Mailing Address: [Insert your business mailing address]

⚓ Captain’s Word: We’ll follow the law, but more than that, we’ll follow our honor. Your information stays safe in our hold, and it’s never used against you.