This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website, use our contact forms, or reach out to us via phone, email, or fax regarding individual health insurance products, including Covered California.The privacy of your personal information is a top priority for our firm. We collect the minimal information necessary to conduct the business of selling Covered California health insurance products.
We collect the minimal information necessary to respond to your inquiries and conduct the business of selling individual health insurance products.
Categories of Personal Information We Collect
Identifiers: This includes your name, phone number, your email address (if you choose to provide it), and your fax number.
Commercial Information: This includes any details you share regarding your interest in individual health insurance products or Covered California plans.
Source and Purpose of Collection
We collect this information directly from you when you voluntarily complete our online contact form, call us, email us, or send us a fax. Providing this information is entirely optional, but a complete form allows our Certified Agent to return your inquiry within 15 minutes and assist you more efficiently. We use these details solely to contact you, prepare accurate health insurance quotes, and assist you with the Covered California enrollment process.
Data Retention Periods
We retain your personal information only for as long as necessary to fulfill the purposes outlined above. If you use our contact form but do not move forward with a health plan, your information is deleted once your inquiry is resolved. If you move forward with a formal quote or an application, we maintain your records in order to comply with record-keeping rules mandated by the California Department of Insurance.
Sharing and Disclosure of Personal Information
We do NOT sell your personal information, and we do NOT share your personal information with third parties for cross-context behavioral advertising.
No Third-Party Sharing: Your personal information is used exclusively by our Certified Agents for the sole purpose of evaluating quotes and enrolling you in individual health insurance. Mobile information/SMS consent will not be shared with third parties or affiliates for marketing/promotional purposes.
Regulatory Portals: Information is only entered into secure, official insurance pipelines (such as the Covered California Certified Agent portal) required to process your formal insurance application.
Search Engine Conversion Tracking (Google & Bing): We use conversion tracking tags from Google and Microsoft (Bing) to measure the effectiveness of our online search advertising campaigns. When you click on one of our advertisements and visit our website, a temporary cookie or device identifier is used to track whether an action, such as a phone call or form submission, was completed. This data helps us optimize our marketing efforts but does not provide us with any personal identification. You can manage or opt out of these advertising cookies at any time by visiting Google's Ads Settings page or Microsoft's Personalized Ads Opt-Out page.
Your Rights Under California Privacy Law (CCPA/CPRA)
If you are a California resident, you have specific rights regarding your personal information, subject to certain legal exceptions:
Right to Know & Access: You have the right to request that we disclose what personal information we have collected about you, including the categories and specific pieces of data.
Right to Delete: You have the right to request that we delete personal information collected from you. (Note: If you move forward with an insurance quote or application, state insurance regulations require us to retain certain records; we will explain any such exemptions if you make a request).
Right to Correct: You have the right to request that we correct any inaccurate personal information we maintain about you.
Right to Non-Discrimination: We will not discriminate or provide a different level of service if you choose to exercise any of your privacy rights.
How to Exercise Your Rights
Phone: (909) 230-1073
email: info@CoverMe-Insurance.com
FAX: 888-375-5884
We will contact you to verify your identity before processing your request against our secure internal records.
Children's Privacy
Our website is intended for adults seeking individual health insurance products. We do not knowingly collect personal information directly from individuals under the age of 16 through our website contact form.
Cookies and Automated Tracking
Like most modern websites, our web servers automatically collect limited technical data to maintain site performance, security, and functionality. This may include your IP address, browser type, and cookie identifiers. We do not use this data to track your browsing habits across the internet or for targeted advertising, but rather to ensure our website functions correctly when you view our content or complete our contact form.
Changes to This Privacy Policy
We review and update this Privacy Policy at least once every 12 months to reflect changes in our practices or California law. Any updates will be posted directly to this page with a revised "Last Updated" date.