Clearcover, Inc., its affiliates and subsidiaries (collectively, “Clearcover” or “we” or “us”) own, operate, and provide the websites and mobile applications (collectively, the “Applications”). This Privacy Policy (the “Policy”) applies to information we obtain about you in the course of providing access to and use of the Applications. If you participate in the Clearcover Telematics Program (the “Program”), your collection, use, and sharing of data through the Program is additionally governed by the Clearcover End User License Agreement (“EULA”) and the Clearcover Telematics Program Consent Agreement (“Consent Agreement”), each of which is incorporated herein by reference. In the event of a conflict between this Policy and those documents with respect to telematics data, the document that most specifically addresses the relevant collection, use, disclosure, retention, or consumer choice will control, except that nothing in those documents limits any non-waivable privacy rights you may have under applicable law.
This Policy explains how Clearcover collects, uses, discloses, retains, and protects information. Where applicable law requires consent for a specific collection, use, disclosure, or communication, we will request that consent separately. Please also review our Terms of Service, available at https://clearcover.com/terms/.
In connection with Clearcover’s provision of the Applications, Clearcover obtains information about you, such as your name, phone number, email address, vehicle information, driver’s license number, date of birth, social security number, marital status, family member information, credit card data and other payment information, policy coverages, driving records, claim histories, credit information, credit history, employment history, hobbies, general reputation, and payment history. Clearcover may obtain similar information about others. Clearcover may also collect images that you may provide to Clearcover in connection with the claims and underwriting processes, including images of your driver’s license and vehicle.
Clearcover obtains information about you and others when you apply for insurance, when you or other users use or access the Applications, when we obtain information from public records, and when third parties provide information or services to Clearcover to support Clearcover’s provision of the Applications. Such third parties may include government authorities, consumer reporting agencies, doctors or hospitals, insurance agencies, claims adjusters, actuarial data providers, and business partners who support Clearcover’s business.
Through the Applications, Clearcover and its third party marketing partners may also obtain other information relating to you, such as your operating system, your phone carrier, hardware you use, pages you viewed, your IP address, how often you use the Applications, events that occur within the Applications during your use, aggregated usage information, performance data, the site and location from where you downloaded or otherwise accessed the Applications, your browser type, your Internet service provider, the referring and exit pages, installed fonts, device IDs, language and time zone settings, and other information relating to your use of or access to the Applications. Clearcover and its third party marketing partners may also use in the Applications web beacons, clear gifs, pixel tags, local shared objects, and similar technologies to collect information relating to your use of or access to products and services offered through the Applications.
In connection with your initial insurance application or renewal of insurance to the extent permitted by law and with your consent, we may review your credit report or obtain or use a credit-based insurance score, based on information contained in your credit report. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score comes from various credit reporting agencies. If we take adverse action based in whole or in part on information in your credit report, you have rights under the Fair Credit Reporting Act (FCRA), including the right to be notified of the adverse action, the right to know the name and address of the consumer reporting agency that supplied the report, the right to a free copy of your credit report within 60 days of the adverse action, and the right to dispute inaccurate or incomplete information. For more information about your FCRA rights, visit www.consumerfinance.gov/learnmore.
In connection with your use of our Applications, Clearcover may collect information about your physical location or movements (geolocation data). In our mobile app, you have the option to share your location with us. If you choose to share this information, Clearcover may use it to provide location-enabled app features, assist with claims, and, if you enroll in the Telematics Program, collect and use Telematics Data as described in Section 2 and any Program-specific notices or agreements.
You agree not to share your account login credentials with any other user.
As you navigate through and interact with our Applications, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including: (i) details of your visits to our Applications, including Internet traffic data, location data, logs, and other communication data and the resources that you access and use on the Applications; (ii) information about your computer and internet connection, including your IP address, operating system, and browser type; (iii) information about your online activities over time and across third-party websites or other online services; and (iv) keystroke, scrolling, and clicking patterns. Your IP address does not give us precise location information but provides us with the general region in which you are located. We do not match your IP address with other personal information in order to identify your precise location, but our vendors may do so.
The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Applications and to deliver a better and more personalized service, including enabling us to: estimate our audience size and usage patterns; store information about your preferences; customize our Applications according to your individual interests; speed up your search; and recognize when you return to our Applications.
The technologies we use for this automatic data collection may include:
Clearcover offers an optional telematics program through the Clearcover mobile application that allows us to collect data about your driving behavior. Participation in the Program is entirely voluntary. Declining to participate will not result in any penalty to your policy, and data collected through the Program will not be used to increase your premium rates. Enrollment in the Program requires your affirmative, informed opt-in consent. Because the Program collects precise geolocation and other sensitive data, we obtain your express consent through the Consent Agreement before we begin collecting Telematics Data, and you may withdraw that consent at any time as described below. While you are enrolled, the Program collects trip and driving data on a continuous basis in the background, including when the Clearcover mobile application is not open.
If you enroll in the Program, Clearcover will collect, in addition to the information described in Section 1 above, the following categories of data through your mobile device and/or Tag (collectively, "Telematics Data"):
We may provide you with additional privacy notices when we collect categories of data not described above.
We use Telematics Data for purposes including to:
We may also anonymize or aggregate Telematics Data for analytics and internal business purposes. Aggregated or de-identified data may be used for analytics, research, or program improvement, provided such data cannot reasonably be re-identified.
We retain Telematics Data for as long as reasonably necessary for the purposes described in this Policy, the EULA, the Consent Agreement, and any notice provided to you in connection with the Program, including to provide and administer the Program, investigate, evaluate, and resolve claims, detect and prevent fraud, comply with legal and regulatory obligations, resolve disputes, and improve our products, services, models, and safety initiatives. We may retain claim-related Telematics Data for the period required or permitted for claim files, litigation, regulatory, and recordkeeping purposes. We may retain aggregated or de-identified information for longer periods if it cannot reasonably be used to identify you. For additional information about our general data retention practices by category, see Section 11 (Data Retention Schedule).
We may share Telematics Data with third parties for the purposes described in this Section and in Section 3 below, including:
We do not sell your Telematics Data, and we will not share it for cross-context behavioral advertising without your separate consent.
Clearcover implements reasonable administrative, technical, and physical safeguards designed to protect Telematics Data against unauthorized access, disclosure, alteration, or destruction, including encryption of Telematics Data in transit and at rest and access controls that limit access to authorized personnel and service providers.
You may withdraw from the Program at any time by navigating to the telematics settings within the Clearcover mobile application, contacting Clearcover customer service, turning off location services permissions on your mobile device, or deleting the Clearcover mobile application. If you use a Tag, you may also need to deactivate, remove, or return the Tag as instructed by Clearcover or the telematics provider to stop all Program data collection. After withdrawal, we will stop collecting new Telematics Data through the Program. If you continue to use the Clearcover Applications after withdrawal from the Program, we may continue to collect other personal information through those Applications as described elsewhere in this Policy. Withdrawal will not affect the lawfulness of any data processing that occurred based on your consent prior to withdrawal, will not require us to delete data we are permitted or required to retain, and will not result in any penalty to your policy. Following withdrawal, we will delete or de-identify Telematics Data that is not associated with a claim, fraud investigation, dispute, or legal or regulatory hold within a commercially reasonable period, and in no event later than 12 months after withdrawal, except where a longer period is required or permitted by law. For additional opt-out rights, see your Consent Agreement and EULA.
Depending on your jurisdiction, you may have specific rights with respect to your Telematics Data, including the right to access, correct, or request deletion of data we hold about you. To exercise these rights, please contact us as described in the "Contact Us" section of this Policy. For additional information about your rights in connection with the Program, please review the Consent Agreement and EULA.
We do not sell your personal information. We may share your personal information with our affiliates for business purposes consistent with the uses described in this Privacy Policy. We may also share personal information about you with third parties whenever you consent to or direct such sharing. We strive to work with companies that share our commitment to privacy. We may also share information with others in an aggregated or de-identified form that does not reasonably identify you.
We may use the information we obtain, and share such information with third parties, in connection with the following activities:
The personal information we may share with third parties includes identifiers, personal characteristics, commercial information, behavioral biometric data, internet usage information, geolocation data, sensory data, professional or employment-related information, education information, and inferences. The third parties with whom we may share information for these purposes include insurance agents, companies that perform payment processing, marketing, or other services on our behalf and our business partners, businesses that assist in analyzing and improving websites and mobile applications, financial institutions with whom we have a joint marketing agreement, other insurance companies that play a role in an insurance transaction with you, those who request information pursuant to a subpoena or court order, government authorities, consumer reporting agencies, doctors, hospitals, insurance agencies, claims adjusters, actuarial data providers, and other business partners. We may disclose to you the privacy policies of such third parties in connection with your purchase of certain products and services offered through the Application. We are not, however, responsible for the content of such third party privacy policies or for ensuring such third parties comply with their policies.
In addition, we reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: (i) satisfy any applicable law, regulation, legal process, subpoena or governmental request; (ii) investigate potential violations of your agreement(s) with us; (iii) detect, prevent, or otherwise address fraud, security or technical issues; (iv) cooperate with law enforcement authorities; (v) respond to user support requests; or (vi) protect our, our users' or the public's rights, property or safety.
We use commercially reasonable administrative, technical, and physical safeguards designed to preserve the integrity and security of the collected information. No method of transmission or storage is completely secure, and we cannot guarantee the absolute security of the collected information.
We may use third-party advertising service providers to display ads on, in, or through the Applications. Those providers may use their own cookies, web beacons, and other technologies to collect information about your interaction with the Applications. The information they collect may be associated with your personal information, or they may collect information, including personal information, about your online activities over time and across different websites and other online services. Those providers may use the information they obtain, sometimes in conjunction with similar information gathered through other websites or services, to deliver ads on the Applications and on other websites or services that participate in the providers’ advertising networks. Those providers may use this information to provide you with interest-based (behavioral) advertising or other targeted content. Those providers may also use the information they obtain to measure and research an advertisement’s effectiveness, or for other purposes.
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, or if you want to opt out of the sale or sharing of personal information where required by applicable law (for more information, see Sections 7 and 10 of this Policy), you can opt out by contacting us as provided in the “Contact Us” section below or by using any opt-out mechanism we make available through the Applications.
You may request to review your personal information in our records by contacting us at any time as provided in the “Contact Us” section below. We may collect personal information in the following categories: identifiers, personal characteristics, commercial information, sensitive personal information (including precise geolocation data), internet usage information, geolocation data, sensory data, professional or employment-related information, education information, and inferences. You have the right to limit our use and disclosure of your sensitive personal information to purposes authorized under CPRA. If you believe that the information is incomplete or inaccurate, you can request that we correct it. We may not, however, be able to provide information relating to investigations, claims, litigation, or other matters. We will be happy to make corrections whenever possible. We will respond to your requests within 45 days of receipt, with a possible extension of up to an additional 45 days where permitted by law, and will notify you of any extension.
Please note that some web browsers and devices permit you to broadcast a preference to websites and online services that they “do not track” your online activities. At this time, we do not modify what information we collect or how we use that information based upon whether a "do not track" signal is broadcast or received. Where required by applicable law, we recognize and honor legally recognized opt-out preference signals, such as Global Privacy Control (GPC), as a valid opt-out of the sale, sharing, or use of your personal information for targeted advertising or certain profiling, as applicable to your jurisdiction. We will process valid opt-out preference signals within the timeframe required by applicable law. For more information about your opt-out rights, see Sections 7 (Your California Privacy Rights) and 10 (Additional State Privacy Rights).
We do not target the Applications to anyone under age 13. If you are under age 13, do not provide any personally identifiable information through the Applications. If you are a parent or a guardian who has discovered that your child under age 13 has submitted his or her personally identifiable information to us without your permission or consent, we will make reasonable efforts to remove the information from our database, at your written request, subject to applicable legal, regulatory, claims, fraud prevention, and recordkeeping requirements. To request the removal of your child’s information, please contact us as described in the “Contact Us” section below and include in your message your child’s name and the email address that your child submitted. We do not knowingly sell or share the personal information of consumers under 16 years of age without the affirmative authorization required by applicable law, which means opt-in consent from consumers who are at least 13 but under 16, and parental consent for consumers under 13.
The Services may include gateways, links, or other functionality that allow you to access third party services or websites (“Third Party Services”) and third party content and materials (“Third Party Materials”). We do not supply and are not responsible for any Third Party Services or Third Party Materials, which may be subject to their own licenses, end-user agreements, privacy and security policies, terms of service, and terms of use.
We may, now or in the future, allow you to link your account with us to one or more of your Third Party Services accounts (each, a “Linked Account”). Clearcover is not responsible for any actions that providers of such Third Party Services and Third Party Materials may take or any information they may collect.
This section describes how we collect, use, and disclose the personal information of California customers and the rights prescribed by the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA). This notice does not apply to California residents in their capacity as Clearcover job applicants, current and former employees, contractors of Clearcover, and persons we interact with in their capacity of representing another business.
The CCPA defines personal information as “information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.” We collect personal information from multiple sources, including directly from you or your agent, from other individuals, service providers or other third party vendors, publicly available sources, consumer reporting agencies, government agencies, or other businesses.
In the last 12 months, we collected and disclosed the following categories of personal information about California customers:
| Categories of Personal Information Collected and Disclosed | Sources from Which Personal Information Is Collected | Business or Commercial Purpose for Collection and Use | Categories of Third Parties to Whom Personal Information Is Disclosed | Sold or Shared for Cross-Context Behavioral Advertising | Sensitive Personal Information | Retention Period or Criteria |
|---|---|---|---|---|---|---|
| Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, or passport number. | We may collect identifiers from: consumers or observation of consumers or their interactions with us; service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines; third party product providers; and government entities. | Providing insurance products and services; identity and account management; fraud prevention; underwriting and rating; claims processing; legal and regulatory compliance | We may disclose identifiers to: service providers; data vendors; identity verification providers; analytics vendors; individuals and entities involved in claims, litigation, and fraud prevention; third party product providers; credit reporting agencies; and government entities | Partially — certain online identifiers such as IP address may be used for cross-context behavioral advertising. You may opt out as described in this Policy. | Yes — Social Security numbers, driver’s license numbers, passport numbers, and account log-in credentials are sensitive personal information under applicable law. | Account records: policy term plus 5 years after policy expiration. See Section 11 (Data Retention Schedule). |
| Personal records such as physical characteristics or description, signature, telephone number, education, employment, employment history, insurance policy number, or any other financial information, medical information, or health insurance information. | We may collect personal records from: consumers or observation of consumers or their interactions with us; service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines; third party product providers; and government entities. | Insurance underwriting, rating, and pricing; claims processing and evaluation; fraud prevention; legal and regulatory compliance; regulatory reporting | We may disclose personal records to: service providers; data vendors; individuals and entities involved in claims, litigation, and fraud prevention; third party product providers; and government entities. | No | Yes — financial account information, health information, and health insurance information are sensitive personal information under applicable law. | Policy and claims records: 7 years after claim closure or policy expiration. Medical records: per applicable law. See Section 11. |
| Classifications such as age, sex, marital status, familial status, race, and gender. | We may collect classifications from: consumers or observation of consumers or their interactions with us; service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines; third party product providers; and government entities. | Insurance underwriting and rating where permitted by applicable law; legal and regulatory compliance; adverse action reporting under the Fair Credit Reporting Act | We may disclose classifications to: service providers; data vendors; individuals and entities involved in claims, litigation, and fraud prevention; third party product providers; and government entities. | No | Yes — racial or ethnic origin, if collected, is sensitive personal information under applicable law. | Policy and claims records: 7 years. See Section 11. |
| Commercial information such as personal property records, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | We may collect commercial information from: consumers or observation of consumers or their interactions with us; service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines; third party product providers; and government entities. | Insurance underwriting and pricing; fraud prevention; service improvement and personalization; market research | We may disclose commercial information to: service providers; data vendors; individuals and entities involved in claims, litigation, and fraud prevention; third party product providers; and government entities. | No | No | Policy and claims records: 7 years. See Section 11. |
| Behavioral and interaction signals, including keystroke, scrolling, and clicking patterns, which we do not use to uniquely identify you. | We may collect behavioral biometric information from: consumers or observation of consumers or their interactions with us; service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines; and third party product providers. | Fraud prevention; identity verification; account and application security | We may disclose behavioral biometric information to: service providers; data vendors; individuals and entities involved in claims, litigation, and fraud prevention; third party product providers; and government entities. | No | No — keystroke and behavioral patterns are not processed to uniquely identify individuals and are not sensitive personal information under applicable law. | Routine security and fraud-detection signals: 3 years; fraud investigation files retained per Section 11 (up to 10 years). |
| Internet usage information such as browsing history, search history, and information regarding your interaction with an Internet website, application, or advertisement. | We may collect internet usage information from: consumers or observation of consumers or their interactions with us; service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines; and third party product providers. | Service delivery and improvement; security monitoring; fraud prevention; targeted advertising where applicable | We may disclose internet usage information to: service providers; data vendors; lead sources and aggregators, advertising networks, and other third party sites; third party product providers; and government entities. | Yes — internet usage data may be shared for cross-context behavioral advertising. You may opt out as described in this Policy. | No | Analytics and marketing data: 2 years. See Section 11. |
| Geolocation data such as physical location or movements and travel patterns. | We may collect geolocation data from: consumers or observation of consumers or their interactions with us; service providers; and lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines. | Location-enabled app features; claims assistance; telematics program administration; fraud prevention | We may disclose geolocation data to: service providers; data vendors; lead sources and aggregators; and government entities. | No | Yes — precise geolocation data is sensitive personal information under applicable law. | Telematics data: policy term plus 5 years, or until final claim closure, whichever is later. See Section 11. |
| Sensory data such as recorded phone calls or other audio recording. | We may collect sensory data from: consumers or observation of consumers or their interactions with us. | Customer service; claims documentation and evaluation; quality assurance; legal compliance and dispute resolution | We may disclose sensory data to: service providers; data vendors; individuals and entities involved in claims, litigation, and fraud prevention; and government entities. | No | No | Customer service recordings: 3 years. Claims-related recordings: 7 years. See Section 11. |
| Professional or employment information such as employment history or professional licenses or designations. | We may collect professional or employment information from: service providers; data vendors; and government entities. | Insurance underwriting and rating; fraud prevention; legal and regulatory compliance. | We may disclose professional or employment information to: service providers; data vendors; and government entities. | No | No | Policy and claims records: 7 years. See Section 11. |
| Education information such as education level. | We may collect education information from: consumers or observation of consumers or their interactions with us; and lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines. | Insurance underwriting and rating where applicable; service improvement | We may disclose education information to: service providers; data vendors; lead sources and aggregators; and government entities. | No | No | Policy and claims records: 7 years. See Section 11. |
| Inferences from personal information collected such as creating a profile about a customer reflecting the customer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | We may collect inferences from: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third-party sites, web browsers, and search engines; third party product providers; government entities; and ourselves. | Insurance underwriting; risk assessment; fraud detection; service personalization; regulatory compliance. | We may disclose inferences to: service providers; data vendors; lead sources and aggregators; third party product providers; and government entities. | No | No | Policy and claims records: 7 years. See Section 11. |
We may “share” personal information with third parties for cross-context behavioral advertising purposes, as that term is defined under the CPRA. For purposes of this Policy, "sharing" does not mean selling personal information for money. We may also disclose any or all of the categories of personal information collected for business purposes such as offering, developing, and maintaining products or services; completing transactions with individuals or other businesses; preventing fraud; for our everyday business operations; or as required or permitted by law. We do not sell your personal information and have not sold information about consumers in the preceding 12 months.
Personal information does not include information lawfully made available from governmental records or de-identified or aggregate customer information. We implement technical safeguards to prohibit re-identification of de-identified information about you. We also reserve the right to create or allow others to create aggregate customer information data sets by ensuring that individual customer identities have been removed and are not linked or reasonably linkable to any customer or household, including via a device. The CCPA does not require that such information be re-identified in response to a request made pursuant to the CCPA.
California residents have certain rights under the CCPA as amended by the CPRA to access, delete, correct, and limit the use of personal information, including those described below. You also have the right to opt out of the sale or sharing of your personal information and to limit the use and disclosure of your sensitive personal information. To make a request pursuant to your CCPA rights, contact us as provided in the “Contact Us” section below. For information about how we honor opt-out preference signals, including Global Privacy Control (GPC), see Section 4 (Your Access To and Control Over Information) and Section 10 (Additional State Privacy Rights) of this Policy.
Right to Know. You have the right to request the following information, which will be provided for the period that is 12 months prior to the request date (or, where required by law, for a longer period if you request it and providing the information is not impossible or disproportionately burdensome):
Right to Delete. You may request we delete your personal information we collected from you and are maintaining. We will also direct our service providers to delete your personal information from their records, unless an exception applies. There may be instances in which we are unable to delete personal information. The personal information may be:
Non-Discrimination Rights. You have the right not to receive discriminatory treatment by us for exercising your CPRA rights.
Right to Data Portability. You have the right to request that we provide you with a copy of your personal information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another entity without hindrance. To submit a portability request, contact us as provided in the “Contact Us” section below.
Right to Opt Out of Profiling. Where applicable state privacy law gives you the right to opt out of profiling or automated decision-making that produces legal or similarly significant effects concerning you, you may exercise that right by contacting us as provided in the “Contact Us” section below. Note that certain profiling activities related to insurance underwriting, rating, claims evaluation, fraud prevention, and actuarial functions may be subject to exceptions under applicable privacy law or may be separately regulated under state insurance law. California’s automated decision-making technology (ADMT) regulations took effect January 1, 2026, and compliance obligations for ADMT used to make significant decisions about consumers begin January 1, 2027.
Right to Opt Out of Sale or Sharing. We do not sell your personal information for money. We may share personal information for cross-context behavioral advertising, as described above. You have the right to opt out of the sale or sharing of your personal information. To exercise this right, click our “Do Not Sell or Share My Personal Information” link on our website or contact us as provided in the Contact Us section below. We honor the Global Privacy Control (GPC) opt-out preference signal as a valid opt-out of the sale and sharing of your personal information for cross-context behavioral advertising purposes.
Right to Limit Use of Sensitive Personal Information. We use sensitive personal information only for purposes permitted by applicable law, including to provide services you request, process claims, prevent fraud, ensure security, and comply with legal obligations, unless we provide additional notice and obtain any required consent. You have the right to limit our use and disclosure of your sensitive personal information to only those uses necessary to perform the services or provide the goods reasonably expected by an average consumer, or as authorized by regulations. Sensitive personal information includes: Social Security numbers, driver's license numbers, passport numbers, account log-in credentials, financial account information, precise geolocation, racial or ethnic origin, religious or philosophical beliefs, union membership, genetic data, biometric data for identification, health information, and information concerning sex life or sexual orientation. To exercise this right, contact us as provided in the "Contact Us" section below.
Content Removal for California Residents Under 18. If you are a California resident under age 18 who has registered an account with us and submitted content to the Applications, you may request the removal of content you publicly posted. To request such removal, contact us as described in the “Contact Us” section below. Please include with your request a clear statement that you would like us to remove the content you posted to the Applications. We may ask, and you will provide us with, additional details to remove such content. Your request does not ensure the complete or comprehensive removal of the content you posted. We are not required to remove content you posted if you fail to follow our instructions related to such removal or if:
| FACTS | What does Clearcover do with your personal information? | |
|---|---|---|
| WHY? | Financial companies choose how they share your personal information. Federal law gives consumers the right to know why information is shared, how it is shared, and how to limit certain sharing. | |
| WHAT? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|
|
| HOW? | All financial companies need to share customers’ personal information to run their everyday business. The table below lists the reasons Clearcover can share your personal information and whether you can limit that sharing. | |
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION
| Reasons we can share your personal information | Does Clearcover share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your requests, maintain accounts, respond to legal orders, and report to regulators | Yes | No |
| For our marketing purposes – to offer our products and services | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | Yes | Yes |
Joint marketing disclosures are made pursuant to written agreements with our joint marketing partners that limit the use of shared information to the jointly marketed product or service and prohibit retaining or re-disclosing it except as required by applicable law.
| TO LIMIT OUR SHARING | Email: privacy@clearcover.com Phone: (855) 444-1875 |
| QUESTIONS? | Contact us at privacy@clearcover.com or (855) 444-1875. |
| WHO WE ARE | Clearcover, Inc., together with its affiliates and subsidiaries. |
| HOW WE PROTECT YOUR INFORMATION | We use administrative, technical, and physical safeguards to protect your personal information. |
| HOW DOES CLEARCOVER COLLECT MY PERSONAL INFORMATION? | We collect your personal information when you, for example, apply for insurance or file a claim, use our website or mobile app, or give us your account or contact information. We also collect it from others, such as consumer reporting agencies, other insurers, and our affiliates. |
| WHY CAN’T I LIMIT ALL SHARING? | Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes — information about your creditworthiness; and nonaffiliates from marketing to you. State laws and individual companies may give you additional rights to limit sharing. |
| HOW LONG WE KEEP YOUR INFORMATION | We retain personal information for as long as necessary to provide our products and services, process claims, meet legal and regulatory obligations, resolve disputes, and enforce our agreements. For details, see Section 11 (Data Retention Schedule) of this Policy. |
| DEFINITIONS |
Affiliates: Companies related by common ownership or control. Our affiliates include companies with a Clearcover name and other financial companies under common ownership or control. Nonaffiliates: Companies not related by common ownership or control. These can include insurance agents and brokers, and other non-financial companies. Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
| OTHER IMPORTANT INFORMATION | This notice applies only to personal information governed by the Gramm-Leach-Bliley Act. It does not apply to information about our employees or job applicants, or to information separately governed by other applicable privacy laws. |
We may contact you by email, SMS or text message, telephone, mail, push notification, in-app message, or other communication channels you provide to us or enable through the Applications. These communications may include messages about your quote, application, policy, billing, payments, renewals, claims, account security, customer service, Program participation, and other service-related matters. We may also send newsletters, surveys, offers, or other marketing communications about Clearcover products and services where permitted by law. When required by law, we obtain your consent before sending marketing or promotional text messages, including prior express written consent for marketing or promotional text messages sent using automated technology. Consent to receive marketing text messages is not a condition of purchasing insurance or any other product or service from Clearcover. Message frequency varies. Message and data rates may apply. You may opt out of marketing emails by using the unsubscribe link included in those emails or by contacting us as described in the Contact Us section. You may opt out of text messages by replying STOP, QUIT, END, CANCEL, OPT OUT, REVOKE, or UNSUBSCRIBE to any text message from us, or by contacting us as described in the Contact Us section. After you opt out of text messages, we may send a one-time confirmation message and may continue to send non-marketing messages where permitted by law, including messages necessary to service your policy, process claims, respond to your requests, protect account security, or comply with legal obligations. You can control push notifications through your mobile device settings and, where available, through settings in the Clearcover mobile application.
Residents of states with an applicable comprehensive privacy law — including California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia — have the following additional privacy rights under their respective state laws (CO CPA, VA VCDPA, CT CTDPA, UT UCPA, TX TDPSA, and MD MODPA, as applicable). These rights apply to personal data we process as a controller where we are subject to those laws. Certain exemptions under applicable state laws — including exemptions for GLBA-regulated data, insurance data, and employment records — may limit the scope of these rights with respect to some of the personal data we process.
Right to Access. You may request to confirm whether we process your personal data and to obtain a copy of that data in a portable, readily usable format (where technically feasible). Right to Correction. You may request that we correct inaccuracies in your personal data.
Right to Deletion. Subject to certain exceptions, you may request that we delete personal data we have collected from you.
Right to Opt Out. You may opt out of (a) the sale of your personal data; (b) targeted advertising; and (c) profiling in furtherance of decisions that produce legal or similarly significant effects (where applicable under your state’s law).
Sensitive Data Rights. Where applicable under state law, you may have the right to limit, opt out of, or withdraw consent to our processing of sensitive personal data, as defined by your state's law. Colorado, Connecticut, Texas, and Maryland residents may also opt out of the sale of personal data, targeted advertising, and profiling by submitting a recognized opt-out preference signal such as Global Privacy Control (GPC), which we will process within the timeframe required by applicable law. Virginia and Utah residents do not have a statutory universal opt-out signal right but may use the other opt-out mechanisms described in this policy. To exercise these rights, contact us as provided in the “Contact Us” section below or, where available, use the opt-out mechanism on our website. Where Maryland law applies, we do not sell sensitive data, and we process sensitive data only as permitted by the Maryland Online Data Privacy Act, including where strictly necessary to provide or maintain a product or service you have requested.
Appeals Process (CO, VA, CT, TX, MD, and other states where required by law). Where applicable state law grants an appeal right, you may appeal our decision within the timeframe required by that law. If we decline to take action on a privacy rights request and applicable law gives you an appeal right, you may appeal our decision by contacting us at privacy@clearcover.com with the subject line “Privacy Rights Appeal” within a reasonable time after receiving our response. We will respond to your appeal within the period required by applicable law: 45 days for Colorado residents (with a possible 60-day extension), 60 days for Virginia residents (with a possible 60-day extension), 60 days for Connecticut residents (with a possible 60-day extension), 60 days for Texas residents, and 60 days for Maryland residents. If we deny your appeal, we will provide information about how to contact the applicable state regulator. Colorado: https://coag.gov. Virginia: https://www.oag.state.va.us. Connecticut: https://portal.ct.gov/AG. Texas: https://www.texasattorneygeneral.gov. Maryland: https://www.marylandattorneygeneral.gov.
Authorized Agents. Residents of Colorado, Virginia, Connecticut, Utah, Texas, and Maryland may designate an authorized agent to exercise privacy rights on their behalf where permitted by applicable state law. We may require the agent to provide proof of written authorization and may also require you to verify your identity directly or confirm that you authorized the agent to act on your behalf. To submit a request through an authorized agent, the agent should contact us at privacy@clearcover.com with documentation of the authorization. Where required by applicable law (including for Colorado, Texas, and Maryland residents), we will treat a recognized browser, device, or global opt-out preference signal, such as Global Privacy Control (GPC), as a valid opt-out request for the browser, device, or consumer to which the signal applies.
We retain personal information for as long as reasonably necessary to provide and service products, process transactions, administer policies, handle claims, comply with legal and regulatory obligations, resolve disputes, prevent fraud, maintain security, and support our business records, unless a longer retention period is required or permitted by law. The following general retention criteria apply by category: (a) Active policy and claims records: for the life of the policy plus the period required by applicable state insurance recordkeeping laws (generally 5–7 years after final termination); (b) Telematics and driving behavior data: Telematics Data associated with a claim, fraud investigation, dispute, or legal, regulatory, or litigation-hold need is retained for the policy term plus 5 years, or until final claim closure, whichever is later, or for the longer period required or permitted for those purposes; all other Telematics Data is de-identified or deleted within 12 months of collection. Aggregated or de-identified data may be retained longer where it cannot reasonably identify you; (c) Consumer privacy rights request records (CCPA/state law): 24 months from the date of the request; (d) Marketing and communications records: 3 years from last consumer interaction or opt-out, whichever is later; (e) Fraud investigation records: up to 10 years, consistent with industry standards and applicable law; (f) Financial transaction records: 7 years, consistent with federal and state tax and financial recordkeeping requirements. These periods may be extended where retention is required by applicable law, regulation, litigation hold, or other legal process. When personal information is no longer needed, we dispose of it using reasonable technical and organizational measures designed to prevent unauthorized reconstruction or re-identification.
Illinois Residents — Notice Regarding Biometric Data. Clearcover does not knowingly collect biometric identifiers or biometric information — such as fingerprints, voiceprints, retina or iris scans, or scans of hand or face geometry — unless we provide any notice and obtain any consent required by applicable law, including the Illinois Biometric Information Privacy Act (BIPA), 740 ILCS 14/1 et seq. We do not sell or profit from biometric identifiers or biometric information. If we do collect any such data subject to BIPA, we will maintain a publicly available retention and destruction schedule, provide written notice of the purpose and duration of collection before or at the time of collection, and obtain a written release from the individual. To submit a question regarding biometric data, contact privacy@clearcover.com.
The information collected from the Applications is hosted in the United States. If you are using or accessing the Applications from outside the United States or any other region with laws or regulations governing personal data collection, use and disclosure that differ from the United States laws, please be advised that through your use of the Applications, which are governed by U.S. law, you are transferring information to and from the United States and you consent to that transfer.
The laws of the State of Ohio and applicable United States law govern all matters arising out of or relating to this Policy, including, without limitation, interpretation, construction, performance, and enforcement, without giving effect to such state’s conflicts of law principles or rules of construction concerning the drafter hereof, except to the extent applicable law provides rights or obligations that cannot be waived or limited by contract. You hereby irrevocably and unconditionally submit to the jurisdiction of the federal and state courts located in the State of Ohio for the purpose of any suit, action, or other proceeding arising out of or based upon this Policy, your access to or your use of the Applications, which courts are the exclusive forum for any such suit, action, or other proceeding, except where applicable law requires otherwise.
The Policy, and any rights and permissions granted hereunder, may not be transferred or assigned by you, but may be transferred or assigned by Clearcover without restriction.
You can contact us via email at privacy@clearcover.com for privacy rights requests and support@clearcover.com for general customer support, via telephone at (855) 444-1875, via chat at support.clearcover.com, or at the following address:
Clearcover, Inc.,
P.O. Box A3386,
Chicago, IL 60690.
Please include your name, address, and any other information necessary to respond to you.
We reserve the right at our discretion to change the Policy at any time, subject to applicable law. We will post the most current version of the Policy to our website at www.clearcover.com.
If we make a material change to the Policy, we will notify you by posting a notice on our website or mobile application or by contacting you through the email address associated with your account. If you have not consented to electronic communications, a copy of the modified Policy will be mailed to the address you provided. Changes will take effect as described in the notice and will apply to information collected after the effective date, except as otherwise permitted or required by law. If you use the Applications after the changes take effect, the modified Policy will apply to your continued use of the Applications.