PRIVACY POLICY (Including California/CPRA Disclosures) -- Coverity Insurance and Financial Solutions, LLC

Last Updated: June 8, 2026

This Privacy Policy describes how Coverity Insurance and Financial Solutions, LLC ("Coverity," "we," "us," "our") collects, uses, discloses, and protects personal information through https://coverityifs.com, our landing pages/funnels, and related online services (collectively, the "Services"). This Policy also includes additional disclosures for California residents, as required by the California Privacy Rights Act ("CPRA").

1) Notice at Collection (Summary)

When you interact with our Services, we may collect personal information described in Section 2 below for the purposes described in Section 3, including to:

• Provide quotes, proposals, enrollment support, and policy servicing

• Communicate with you about your request by phone, text message, and email

• Share information with insurance carriers, general agencies/MGAs/FMOs (including Applied General Agency where applicable), service providers, and trust referral partners as needed to deliver requested services

• Comply with legal and regulatory obligations and protect against fraud We do not sell your personal information for money.

2) Personal Information We Collect

The types of personal information we collect depend on what you request (commercial insurance, group benefits, health/Medicare, long-term care, financial services, or living trust referrals).

A) Information you provide to us

This may include:

• Identifiers & contact information: name, mailing address, email address, phone number

• Commercial / workers' comp information: business name, industry, operations, locations, payroll estimates, employee count, job classifications, prior coverage, claims/loss history (including documents you provide such as dec pages and loss runs)

• Group benefits information: employer details, census-level information you provide, benefit preferences, renewal documents you provide

• Health/Medicare information (if requested): date of birth, household information, coverage needs/preferences, and other information needed for quoting/enrollment/servicing

• Long-term care / financial services information (if requested): information you provide relevant to the products and services you request

Living trust referral information (if requested): contact details and request details used to connect you with a non-attorney trust service

B) Information collected automatically (online activity)

When you use our Services, we may collect:

• Internet/network activity: IP address, device identifiers, browser type, pages visited, timestamps, referring URLs, and similar usage data

• Approximate location: general location derived from IP address

C) Audio information (call recordings)

Where permitted by law, we may collect:

• Call recordings and related call metadata (e.g., time/date, duration)

3) How We Use Personal Information

We use personal information for the following business and commercial purposes:

• Provide requested services, including quotes, proposals, applications, enrollment, renewals, and policy servicing

• Communicate with you by phone, SMS, and email about your request and related services you inquire about

• Process and support transactions, including verifying information for underwriting and enrollment

• Operate, maintain, and improve our Services (including troubleshooting and customer support)

• Security and fraud prevention, including detecting unauthorized activity and protecting systems and customers

• Legal and compliance obligations, including insurance and marketing compliance requirements

4) How We Disclose Personal Information

We may disclose personal information to the following categories of recipients, as needed to provide requested Services and run our business.

A) Insurance carriers and distribution partners

We may disclose personal information to:

• Insurance carriers and their affiliates involved in underwriting, issuing, and servicing policies

• General agencies, MGAs/wholesalers, and FMOs/IMOs involved in providing quotes, plan options, enrollment, and servicing (including, where applicable, Applied General Agency for Medicare-related plan offerings)

B) Service providers (vendors)

We may use third-party vendors to help operate our business and Services, such as:

• CRM and communications platforms (including GoHighLevel (GHL) and its underlying email/SMS/telephony providers)

• Call tracking and call recording providers

• E-signature, scheduling, document management, website hosting, analytics, IT/security vendors

These vendors are authorized to use personal information only as necessary to provide services to us and are expected to protect it.

C) Referral partners (living trust)

If you request living trust information, we may disclose information to a non-attorney trust service so they can contact you and provide information.

D) Legal/compliance and business protection

We may disclose information:

• To comply with law, regulation, subpoena, or court order

• To regulators and oversight bodies as required

• To protect rights, safety, and property (including investigating fraud)

E) Business transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of business assets, information may be disclosed as part of that transaction, subject to applicable law.

5) "Sale" and "Sharing" (California Terms)

• We do not sell personal information for money to unaffiliated third parties.

• We do not currently use cross-context behavioral advertising (e.g., remarketing using ad pixels) in a way intended to constitute "sharing" under California law.

If that changes, we will update this Policy and provide appropriate opt-out mechanisms (including honoring applicable opt-out preference signals where required).

6) Cookies and Similar Technologies

We may use cookies and similar technologies for:

• Site functionality and security

• Performance and measurement (e.g., understanding how visitors use our site)

You can control cookies through your browser settings. Disabling cookies may impact certain site features.

7) Communications Preferences (Email/SMS/Phone)

You can opt out of marketing communications:

• SMS: reply STOP to unsubscribe

• Email: click Unsubscribe in marketing emails

• Phone: request to be placed on our internal do-not-call list

Even if you opt out of marketing, we may still contact you for transactional/servicing purposes (e.g., responding to a request you submitted, policy servicing, legally required notices).

8) Call Recording Notice (California)

Calls may be recorded and/or monitored for quality assurance, training, and compliance, where permitted by law.

If you do not want a call recorded, please do not continue the call and contact us via email at [email protected].

9) Data Retention

We retain personal information as necessary to:

• Provide Services

• Maintain business records

• Comply with legal/regulatory requirements applicable to insurance and related services

• Resolve disputes and enforce agreements

Retention periods vary depending on the product and applicable requirements.

10) Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no security measure is perfect and no method of transmission or storage is guaranteed to be secure.

11) Children's Privacy

Our Services are not directed to children under 13, and we do not knowingly collect personal information from children.

12) Additional Disclosures for California Residents (CPRA)

This section applies to California residents and supplements the sections above.

12.1 Categories of Personal Information Collected (CPRA)

In the last 12 months, we may have collected the categories described in Section 2, which can include:

• Identifiers (name, address, email, phone)

• Personal information described in Cal. Civ. Code ?1798.80(e) (e.g., contact information and insurance-related details you provide)

• Commercial information (insurance and service interests, transaction/service history)

• Internet or other electronic network activity information (site usage, device/browser information)

• Audio information (call recordings, where permitted)

• Sensitive Personal Information (see below), depending on what you submit

12.2 Sensitive Personal Information (SPI)

Depending on your request, we may collect Sensitive Personal Information, such as certain health-related information you submit for health/Medicare quotes or enrollment, and potentially other sensitive data as defined by California law.

We use and disclose SPI only as reasonably necessary to:

• Provide requested Services (quotes/enrollment/servicing)

• Maintain security and prevent fraud

• Comply with law and applicable contractual requirements

12.3 Sources of Personal Information

We collect personal information from:

• You (forms, calls, emails, uploads)

• Your device/browser (automatic online collection)

• Third parties involved in servicing your request (e.g., carriers, distribution partners, or vendors) where permitted and applicable

12.4 Business or Commercial Purposes for Collection/Disclosure

See Section 3 (How We Use Personal Information) and Section 4 (How We Disclose Personal Information).

12.5 Your California Privacy Rights

Subject to certain exceptions, you may have the right to:

• Right to know/access: request the categories and specific pieces of personal information we collected

• Right to delete: request deletion of personal information we collected from you

• Right to correct: request correction of inaccurate personal information

• Right to opt out of sale/sharing: opt out of "sale" or "sharing" as defined by California law (if applicable)

• Right to limit certain uses/disclosures of Sensitive Personal Information (if applicable)

• Right to non-discrimination: you will not be discriminated against for exercising your rights

12.6 How to Submit a California Privacy Request

Submit a request using either method below:

• Email: [email protected] (Subject: "Privacy Request")

• Phone: 213-387-6948

We will take reasonable steps to verify your identity before processing your request. If you use an authorized agent, we may request proof of authorization and may still need to verify your identity directly, as permitted by law.

12.7 Do Not Sell or Share

We do not sell personal information for money and do not currently engage in cross-context behavioral advertising intended to be "sharing" under CPRA. If that changes, we will update this Policy and provide a "Do Not Sell or Share My Personal Information" mechanism as required.

12.8 Shine the Light (California Civil Code ?1798.83)

California residents may request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To submit a request, email [email protected] with the subject line: "Shine the Light Request."

13) Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated version on our website and update the Last Updated date above.

14) Contact Us

Coverity Insurance and Financial Solutions, LLC

453 S Spring St Ste 400, Los Angeles, CA 90013

Phone: 213-387-6948

Email: [email protected]

Website: https://coverityifs.com