Privacy Policy

Total Coverage LLC, which does business as www.thetotalcoverage.com (“Company”, “we” or “us”), values your patronage and protecting your personal information is a top priority. The Company is the Data Controller with respect to information collected on the websites we own. The Company believes in protecting the confidentiality and security of the information we collect about you as an insurance customer, potential insurance customer, or former insurance customer. We have adopted the following policies and procedures to safeguard the personal information about you in our possession.

Please note that this Privacy Policy applies only to:

• • information collected through this website,  www.thetotalcoverage.com, along with any other website owned and operated by Total Coverage LLC (the “Sites”);

• • information you enter into our forms appearing on third-party websites;

• • certain limited information regarding your interaction with advertiser sites following a visit to our Sites, solely for attribution and optimization purposes;

• • information obtained during phone calls to us that you initiate with your prior consent; and

• • any other information you choose to provide to us.

Introduction

This policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also detail below our security policy, which describes how your personal information is protected both electronically and physically.

Information We Collect

We collect and use personal information about you to respond to your request for products and services offered through the Sites. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be an insurance customer. The personally identifiable information we collect about you may include among other things:

• Identifying information, such as your name, age, address, and phone number

We collect information provided by you in connection with obtaining price quotes or rates. For example, you may be asked to provide your name, address, telephone number, email, and other information in order to be matched to insurance carriers and agents who may provide you a quote for their insurance services.

Lastly, we (and/or our service providers) collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) use this aggregated information in the administration of our website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies, and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our website based on the needs of our users. Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our website, as discussed further below.

We will retain your information for as long as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

In addition, we might receive information about you from other online or offline sources and may combine that information with the information you have provided.

How We Use Your Information

We share personally identifiable information about you, as required or permitted by law, with third parties, such as service providers who assist us in the in the administration, processing, servicing, and sale of your insurance policy.

These are a few examples of how we use the information we collect:

To communicate with you. If you submit a request for price quotes for insurance products or other products or services, we will share the personal information contained in your request form with third parties, which may include agents, carriers, lead aggregators, and other service providers in our network, to process and fulfill your request.

Our policy is to enter into agreements requiring service providers to secure any personal information we provide to them and prohibit them from using any personally identifiable information they obtain for any other purpose other than those for which they were retained or as required by law.

Opting Out of Further Communication. While we aim to make it as easy as possible for you to talk directly with an agent, we will honor your request not to be contacted further. You can easily opt-out of further communications from us by requesting to be placed on our Do Not Call list, by replying “STOP” to our text messages, by sending an email to Customer Care at [email protected], or by unsubscribing from our email list.

To provide personalized services to you. We use the information we collect to provide the services to you in a personalized way. Insurance services products are complex and we therefore do not take a one-size-fits-all approach to helping you find the right products. The information we collect enables us to do this by giving us a more detailed picture of who you are.

Aggregate, Non-Personal, or De-identified Information. We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect, with third parties to optimize their ability to reach their target markets.

As Required by Law. We may be required to share your personal information to comply with applicable laws or respond to lawful legal process from law enforcement and government agencies.

Business Transfer. As with any other business, it is possible that we could in the future enter into a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale. If such a transaction occurs, the successor company may have access to the information maintained by us, including your personal information, but would continue to be bound by this Privacy Policy.

Analytics, Cookies, Web Beacon and Similar Technologies

We use cookies and similar technologies, including app identifiers, to help us recognize you across different services, products, and devices; to learn about your interests both on and off our services; to improve your experience, increase security, and offer relevant products; and to measure use and effectiveness of our services and serve advertising.

Most browsers provide you with the ability to control (i.e. block, delete, or disable) these technologies. If you choose to reject cookies or similar technologies, some services may not be available or some functionality may be limited or unavailable. Please review your browser manufacturer’s help pages for assistance with changing your settings. By visiting our services, you consent to the placement of cookies and beacons in your browser and HTML-based e-mails in accordance with this privacy policy.

European Visitors. In connection with the effectiveness of the General Data Protection Regulation (GDPR) in the European Economic Area (EEA), Total Coverage LLC has determined to eliminate or limit the use of cookies and similar technologies with visitors from the EEA. Specifically:

• • If you visit a third-party site that uses our services, we will not place any cookies on your device.

• • We will not seek your consent to use cookies in this instance, though the publisher of the site may do so.

• • If you visit one of our owned and operated sites, we will only place limited third-party cookies, such as those made available for analytics purposes by Google and Bing.

• • In this case, we will seek your consent to use these third-party cookies and will only do so after you indicate your consent. If you do not consent, then no cookies will be written to your device.

To enable this feature, we use third-party tools to determine your geographic location; if these tools indicate that you are in the EEA, then we treat your visit as above. If you feel that you are subject to the GDPR, but we have nonetheless used cookies in connection with your visit without consent – which may be due to a failure of the third party geolocation tools; your use of a proxy server, your location outside of the EEA at the time of your visit; or some other factor beyond our control – please notify us at [email protected] with any relevant details so that we can ensure proper treatment of your data under GDPR.

California Do Not Track Notice

Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites (“Do Not Track” requests), to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. The Company does not alter its behavior or change its services upon receiving Do Not Track requests. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.

California Consumer Privacy Act (CCPA)

If you are a California resident, you may be entitled to additional rights over your personal information. For more information about these rights and how to exercise them, please see our California privacy policy at CCPA.

Special Notice to Vermont residents

Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, we will not share information we collect about Vermont residents to companies outside of the Company except: (1) As permitted by law; (2) To companies that perform marketing or other services on our behalf; (3) Name, contact and transaction and experience information to other institutions with which we have joint marketing agreements; or (4) With the authorization or consent of the Vermont resident.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.

Email Notifications

By providing your contact information to us, you are registering to receive communications from us directly or through a third-party. If you provide your e-mail address and request to be added to any of our mailing lists, we will periodically send you newsletters and other e-mails with offers and promotions. Our emails will always identify Total Coverage LLC, LLC or one of our branded sites as the sender. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at [email protected]. You may also opt-out by clicking on the unsubscribe link in our emails. In other cases, these notifications involve changes to various legal agreements, terms and condition updates and privacy policy update notifications. Generally, you may not opt out of these eservice related emails.

Third-Party Advertisers and Websites

Third-party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a service provider in our network, any use of your information by that service provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their communications.

The Company is not responsible for the information employed by sites linked to or from our website. In most cases, links to non-Company websites are provided solely as an access point to obtain information on products or services that may be useful to the users of the Company website. Third party websites may have different privacy policies and/or security standards governing their sites. We encourage you to review the policies of any other service provider from whom you request services.

Security Policy

The Company takes steps to safeguard your personal and sensitive information through industry standard physical, electronic and operational policies and practices. We limit access to personal information to those employees or agents who need the information to provide requested products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard your personal information, and we anonymize or expunge data when it is no longer necessary to provide services to our users or substantiate records.

A Special Note About Children’s Privacy

You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our websites only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

Updating, Obtaining Or Removing Your Information

Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To obtain, modify, correct, change, update or remove your personal records from our database, please send your request via email to our Data Protection Officer at [email protected]. We will require that you prove your identity before providing any personal information.

Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at [email protected]. Our employees are trained through Policies and Procedures to take action on your instructions within 30 days.

If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting us at [email protected].

Visitors Outside The United States

This Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. The data protection and other laws of the United States might not be as comprehensive as those in your country. By visiting our Sites or using our services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your residence country. To the extent the laws of another jurisdiction apply to your data or use of the Sites, we will comply with such laws.

Contacting Us

If you have any questions about this privacy policy, please write us at:
Total Coverage LLC
30 N Gould St Ste R Sheridan, WY 82801
[email protected]

Changes to Our Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will prominently post notice of such changes on the Sites. However, you should check this Privacy Policy whenever you use any of our Sites to ensure you are aware of our current privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our Sites after we have posted any changes indicates your agreement to the changes, unless you notify us otherwise.

Your Agreement

By using this Site, you are agreeing to the terms of this Privacy Policy. If you do not agree to this policy, please do not use any portion of our Sites.

Updated April 2022