Privacy Policy | QuoteMagic

1. Information We Obtain

Information We Collect From You and Third Parties

In connection with QuoteMagic’s lead generation services, we obtain information about you, such as your first and last name, phone number, email address, address vehicle information, zip code, date of birth, gender, marital status, family member information, military service, insurance status, phone carrier information, homeowner status and other information you provide when requesting quotes or information. We may also collect information about your click behavior on the Website and your interests in insurance products, consumer finance products, mortgages, home services, and related products and services. We obtain phone carrier information through third-party carrier lookup services.

We obtain information about you when you use or access the Website, when we obtain information from public records, and when third parties provide information or services to us to support our lead generation business. Such third parties may include phone carrier lookup services, call handling services, consumer reporting agencies, data providers, marketing partners, and business partners who support our business. We may share your information with third parties who handle calls and customer inquiries on our behalf.

Through the Website, we and our 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 Website, events that occur within the Website during your use, aggregated usage information, performance data, the site and location from where you accessed the Website, 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 Website. We and our third-party marketing partners may also use in the Website web beacons, clear gifs, pixel tags, cookies, and similar technologies to collect information relating to your use of or access to the Website.

In connection with your use of our Website, we may collect information about your general geographic location based on your IP address or zip code you provide.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, 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 Website, including Internet traffic data, location data, logs, and other communication data and the resources that you access and use on the Website; (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.

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 Website 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 Website according to your individual interests; match you with relevant third-party service providers; speed up your experience; and recognize when you return to our Website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of or functions of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you use our Website.
Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website.
Web Beacons. Pages of our Website and our emails may contain small electronic files knowns as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (e.g., recording the popularity of certain content and verifying system and server integrity).
Device Information. We may collect information about your mobile device and internet connection, including the device’s unique identifier, device type, IP address, operating system, browser type, and mobile network information.

2. How We Use and Share Information

We may sell and share your personal information, including email address, phone number, and other information, with third parties for marketing purposes. We may share or sell your personal information to third parties, including but not limited to those in the following industries: insurance, consumer finance, mortgages, home services, and related industries.. We may also 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 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:

To respond to your quote requests, connect you with third-party service providers, send you service-related correspondence, fulfill your information requests, confirm your identity, communicate with you, sell or share your information with third parties for their marketing purposes, and to otherwise provide access to the Website.
To send you newsletters, market products and services (including those of third parties), sell your information to third parties for their marketing purposes, evaluate marketing campaigns, develop new products and services, analyze how users use the Website, send you notifications, and provide a more customized web experience.
To facilitate auditing, prevent or investigate fraud, comply with requests from regulatory and law enforcement authorities, protect our rights, protect your safety or the safety of others, comply with applicable law, respond to subpoena or court order, and otherwise investigate, establish, exercise, and defend legal rights.
To facilitate a merger, acquisition, bankruptcy, dissolution, reorganization, sale of some or all of our assets, financing, acquisition of all or a portion of our business, a similar transaction or proceeding, or steps in contemplation of such activities (e.g. due diligence).
To facilitate any other activity in connection with the creation, development, offering, provision, or servicing of our products and services.

The personal information we may sell or share with third parties includes identifiers (including email addresses, phone numbers, and phone carrier information), personal characteristics, commercial information, internet usage information, geolocation data, and inferences. We sell and share this information with third parties for their marketing purposes, including but not limited to parties in the insurance, consumer finance, mortgage, and home services industries. The third parties with whom we may share or sell information include insurance companies, insurance agents, consumer finance companies, mortgage providers, home services companies, marketing companies, call handling services, phone carrier lookup services, businesses that assist in analyzing and improving websites, and other business partners. We may disclose to you the privacy policies of such third parties in connection with their use of your information. 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 safeguards to preserve the integrity and security of the collected information. We do not, however, warrant the integrity and security of the collected information.

We may use third-party advertising service providers to display ads on or through the Website. Those providers may use their own cookies, web beacons, and other technologies to collect information about your interaction with the Website. 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 Website 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 sell or share your personal information with third parties for promotional purposes, you can opt out by contacting us as provided in the “Contact Us” section below.

3. Your Access To and Control Over Information

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, behavioral biometric data, internet usage information, geolocation data, sensory data, professional or employment-related information, education information, and inferences. 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 a reasonable timeframe.

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 such a signal is broadcast or received.

4. Children’s Personally Identifiable Information

We do not target the Website to anyone under age 13. If you are under age 13, do not enter any personally identifiable information about anyone under the age of 13 into the Website. 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. 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.

5. Third Party Sites and Services

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.

6. Your California Privacy Rights

This section describes how we collect, use, sell, and disclose the personal information of California customers and the rights prescribed by the California Consumer Privacy Act (CCPA). 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	Categories of Third Parties to Whom Personal Information is Disclosed
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.	We may disclose identifiers to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; individuals and entities involved in insurance claims, litigation, and fraud prevention and detection; third party product providers; credit reporting agencies; and government entities.
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.	We may disclose personal records to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; individuals and entities involved in insurance claims, litigation, and fraud prevention and detection; third party product providers; and government entities.
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.	We may disclose classifications to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; individuals and entities involved in insurance claims, litigation, and fraud prevention and detection; third party product providers; and government entities.
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.	We may disclose commercial information to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; individuals and entities involved in insurance claims, litigation, and fraud prevention and detection; third party product providers; and government entities.
Behavioral biometric information, including keystroke patterns and rhythms.	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.	We may disclose behavioral biometric information to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; individuals and entities involved in insurance claims, litigation, and fraud prevention and detection; third party product providers; and government entities.
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.	We may disclose internet usage information to third parties such as: 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.
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.	We may disclose geolocation data to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; and government entities.
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.	We may disclose sensory data to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; individuals and entities involved in insurance claims, litigation, and fraud prevention and detection; and government entities.
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.	We may disclose professional or employment information to third parties such as: service providers; data vendors; and government entities.
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.	We may disclose education information to third parties such as: service providers; data vendors; lead sources and aggregators, social media, advertising networks, and other third party sites, web browsers, and search engines; and government entities.
Inferences from personal information collected such as creating a profile about a customer reflecting the customer’s preferences, characteristics, psychological trends, preferences, 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.	We may disclose inferences to third parties such as: 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.

We sell personal information to third parties for their marketing purposes, including parties in the insurance, consumer finance, mortgage, and home services industries. In the preceding 12 months, we have sold the following categories of personal information: identifiers (including email addresses, phone numbers, and phone carrier information), personal characteristics, commercial information, internet usage information, geolocation data, and inferences. 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.

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 to access and delete personal information, including those described below. To make a request pursuant to your CCPA rights, contact us as provided in the “Contact Us” section below.

Right to Know. You have the right to request the following, which will be provided for the period that is 12 months prior to the request date:

The specific pieces of personal information we have collected about you and are maintaining;
The categories of personal information we have collected about you;
The categories of sources from which we collected your personal information;
The business or commercial purposes for our collecting your personal information;
The categories of third parties to whom we have shared your personal information;
A list of categories of personal information disclosed for a business purpose in the prior 12 months, or a confirmation that no disclosure occurred; and a list of categories of personal information sold to third parties in the prior 12 months.

Right to Delete. You may request we delete your personal information we collected directly from you and are maintaining. There may be instances in which we are unable to delete personal information. The personal information may be:

Necessary to complete a transaction or service you requested;
Needed for security purposes;
Needed to identify and repair system errors;
Needed for the exercise of free speech or to exercise another right provided for by law;
Necessary for compliance with the California Electronic Communications Privacy Act;
Necessary for internal business purposes; or
Needed to comply with laws or legal obligations.

Right to Opt-Out of Sale. You have the right to opt-out of the sale of your personal information to third parties. To exercise this right, contact us as provided in the "Contact Us" section below.

Non-Discrimination Rights. You have the right not to receive discriminatory treatment by us for exercising your CCPA rights.

If you are a California resident under age 18 who has submitted content to the Website, you may request the removal of the 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 Website. 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:

We are required by law to maintain the content;
A third party stored, posted, republished, or reposted the content; or
We anonymize the content so that you cannot be individually identified by it.

7. Gramm-Leach-Bliley Act (GLBA) Notice

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 request. This information can include:

Name, address, email address, and phone number
Date of birth and driver’s license number
Vehicle information and insurance-related details
Credit-based insurance information, where permitted by law
Online identifiers, IP address, and website usage data

HOW? All financial companies need to share customers’ personal information to run their everyday business.

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 nonaffiliates to market to you	Yes	Yes

TO LIMIT OUR SHARING

Email: support@clearcover.com
Phone: (855) 444-1875

WHO WE ARE

Clearcover, Inc., together with its affiliates and subsidiaries.

HOW WE PROTECT INFORMATION

We use administrative, technical, and physical safeguards to protect your personal information.

DEFINITIONS

Affiliates: Companies related by common ownership or control.
Nonaffiliates: Companies not related by common ownership or control.
Joint marketing: A formal agreement between nonaffiliated financial companies.

OTHER INFORMATION

This notice applies only to information governed by the Gramm-Leach-Bliley Act.

8. Governing Law; Jurisdiction

The information collected from the Website is hosted in the United States. If you are using or accessing the Website 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 Website, which is governed by U.S. law, you are transferring information to and from the United States. For California residents, please note that under the CPRA, you have the right to know whether your personal information is sold or shared to third parties and to opt-out of such sale or sharing, regardless of where the data is processed or stored.

The laws of the State of Illinois 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. You hereby irrevocably and unconditionally submit to the jurisdiction of the federal and state courts located in Cook County, Illinois 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.

9. Assignment

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. In the event of a merger, acquisition, bankruptcy, or other sale of all or a portion of our assets, personal information in our possession may be transferred as part of the transaction. California residents will be notified of such transfer and provided with choices regarding their personal information as required by the CPRA.

10. Contact Us

You can contact us via email at support@clearcover.com, via telephone at (855) 444-1875, or via chat at support.clearcover.com

You may opt out of the selling or sharing of your personal data by following the instructions here .

You may also contact us by writing to us at the following address. Please include your name, address, and any other information necessary to respond to you:

Clearcover, Inc.
33 W. Monroe Street
Suite 1350
Chicago, IL 60603

For California residents submitting CPRA requests, we will verify your identity using information we have on file. We may request additional information to verify your identity, but will only use such information for verification purposes. You may submit a verifiable consumer request up to twice within a 12-month period. We will respond to verifiable consumer requests within 45 days of receipt, with the possibility of a 45-day extension when reasonably necessary, provided we notify you of the extension and the reason for it.

For California residents exercising CPRA rights, you may also designate an authorized agent to make requests on your behalf. To designate an authorized agent, please provide written authorization signed by you and the authorized agent, or a valid power of attorney. We may require verification of both your identity and the authorized agent's authority to act on your behalf.

11. Changes to the Privacy Policy

We reserve the right at our discretion to change the Policy at any time. We will post the most current version of the Policy to our website at www.quotemagic.com.

If we make a material change to the Policy, we will notify you by posting a notice on our website or by contacting you through the email address you provided. Changes will take effect as described in the notice. If you use the Website after the changes take effect, you accept the Policy as modified.