Privacy Policy and Terms of Use

COVVA INSURANCE TERMS OF USE

Last Revised: March 13, 2020

Introduction

You agree to be bound by the terms and conditions contained within the Terms of Use, as well as our Privacy Statement and Cookies Policy. Collectively, these form a legally binding agreement between Covva Insurance Inc. and you.

The terms “Covva Insurance”, “we,” “us,” or “our” mean Covva Insurance Inc., a Delaware Corporation, which does business as Covva Insurance Online Insurance Services in California, Michigan, Minnesota, North Carolina, and Texas and as Covva Insurance Services, in New York, North Dakota, and Virginia, as well as our subsidiaries including Covva Insurance US Company, as well as its legal subsidiaries including Covva Insurance First Insurance Agency, Inc. The terms “you,” “customer,” and “user” shall mean you, users of our Services, and any entity or organization you or such users shall represent. The term “Services” means, collectively, various websites, applications, widgets, information, email notifications and other mediums, or portions of such mediums, through which you have accessed the Terms of Use. The Terms of Use contains an agreement to arbitrate all claims and disclaimers of warranties and liability.

Privacy Statement

By using our Services, you acknowledge that you have read and understand our Privacy Statement. The Terms of Use incorporate this Privacy Statement in full and, by agreeing to the Terms of Use, you agree to be bound by the terms of the Privacy Statement. You also acknowledge receipt of our Cookies Policy, which is also incorporated into our Privacy Statement.

Your Compliance With The Terms of Use

By using our Services and visiting our Website, you voluntarily accept and consent to the Terms of Use and your consent and acceptance is supported by sufficient and valuable consideration. You acknowledge that this consideration includes, but is not limited to, access to our Services and your ability to interact with our Services. You expressly represent that you have the capacity to agree to be bound to the Terms of Use and, where acting on behalf of a business entity or other organization, agree that you have the authority to so bind that entity or organization.

Representation of Data Collection

You consent to and agree that Covva Insurance may collect data and Personal Data, as defined by Section 2 of our Privacy Statement, from you even though we may not be able to offer you any available products or services available for purchase. Covva Insurance currently only sells products or services in a limited number of states and currently only sells limited insurance products. If you voluntarily provide us with any information about yourself or a third party, you agree that Covva Insurance reserves the right to use that data for market analysis, advertising, or other commercial purposes. This is true even if Covva Insurance cannot offer you or a third party products or services for sale at the time you provide us with this information.

When applying for an insurance policy you represent that you have provided notice to and obtained consents from all parties listed on the application and will allow us to obtain any motor vehicle records related to those employees to be used in underwriting decisions.

Consent To Receive Electronic Copies of Insurance Documents

By signing up for our Services, you consent to receive all insurance documents – including identification cards – in electronic form only to an email address you provide.

Registration

As a condition to using certain features of our Services, we automatically create accounts for users. Your email address will be your username. Logins will require a one-time password or access to your email inbox for verification. You may not use an email address which purports to represent or impersonate a person other than yourself. We reserve the right to refuse or cancel registration of any username in our sole discretion. You are responsible for maintaining the confidentiality of your username and password. You further agree to notify us immediately, at support@covvainsurance.com, if you become aware of any unauthorized use involving your username and password.

Use of Our Services

Our Services, as well as their underlying processes, related content, and generated data, may only be used for your personal, informational, and non-commercial use. You may not copy, reproduce, sell, distribute, replicate, duplicate, relay, transmit, broadcast, or license our Services or their underlying processes, related content, or generate data without Covva Insurance’s express written consent. Your use of Covva Insurance Services is not transferable by you to any other person or entity. Your access and use of our Services may be interrupted by, without limitation, maintenance of our equipment or networks, malfunction of our equipment or networks, or inadvertently by a third party or parties. We reserve the sole right to suspend or discontinue the availability of our Services at any time in our sole discretion and without prior notice or consent.

Prohibited Activities

You are responsible for anything you transmit to or through Covva Insurance’s Website or to Covva Insurance through email, short message service, voice calls, Facebook, Twitter, LinkedIn or Google Review. You represent that your transmissions to Covva Insurance will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. In using this Website, you agree that it is solely your responsibility to avoid certain activities we deem as prohibited at our discretion. These prohibited activities include without limitation:

- Criminal activity or tortious activity, including fraud, harassment, spamming, copyright infringement, patent infringement, or theft of trade secrets;

- Advertising to, or solicitation of, any user to buy or sell any products or services;

- Engaging in any automated use of the system, such as using scripts to send comments, messages, post on forums, or request information;

- Interfering with, disrupting, or creating an undue burden on our Services or the underlying networks;

- Attempting to impersonate another user;

- Using a false email address, phone number, postal address, or contact information. You are also prohibited from using an email address, phone number, address or contact information of another entity or person without authorization;

- Using our Services in a manner inconsistent with any and all applicable laws and regulations; and

Using information or scraping information from our Services for any purpose whatsoever.

Monitoring of Services

We reserve the right, but have no obligation to, monitor our Services for your or third party violations of the Terms of Use, take appropriate legal action against anyone who violates the Terms of Use, refuse or restrict access to or availability of any user`s interaction with the Services, remove the Services, or otherwise disable all files and content at our discretion, and otherwise manage the Services in order to protect the rights and property of Covva Insurance and its customers.

Termination of Your Account or Use of Our Services

We may restrict, suspend, or terminate your use of or access to our Services in the event that you violate the Terms of Use and, at our sole discretion, as permitted by law. We may change the content or otherwise restrict access to all or parts of our Services without providing notice at our discretion, as permitted by law.

Content

Covva Insurance makes no representations or warranties about the suitability of the content of its Website for any purpose. Covva Insurance provides all content of its Website on an “as is” and an “as available” basis without any warranty of any kind.

List of Carriers & Agents We Currently Use

Covva Insurance acts as an agent that represents insurance companies to whom it will submit your insurance application and from whom it will procure your insurance coverage. The list of carriers we currently use and that might bind you are: Progressive Casualty Insurance Company, Safeco Insurance and Mercury General Corporation. The list of agencies we currently use and that might represent us: Covva Insurance, LLC

Disclaimers and Limitations on Liability

Covva Insurance makes no warranty of any kind whatsoever – express or implied – with respect to the contents of its Services. Covva Insurance HEREBY DISCLAIMS ANY AND ALL implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. You expressly agree that your use of our Services is at your sole risk. It is solely your independent duty and responsibility to verify and evaluate the accuracy, correctness, reliability and completeness of ANY Services. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. We do not make any representations, warranties, or guarantees – express or implied – regarding quotes or offers provided on or through our Services. As such, we expressly disclaim all liability for any content, products, or services furnished from such service providers

We further make no representations, guarantees, or warranties that our Services are appropriate or available for use in jurisdictions outside of the United States of America. If you access or otherwise use our Services from these jurisdictions, you do so of your own volition and risk, and are solely responsible for compliance with local and international law.

Covva Insurance will not be held liable to anyone for any liability arising out of, or in any way relating to, any damages, loss, or claim whatsoever, no matter how occasioned, in connection with or arising out of access to or use of the contents of its Services. In no event shall Covva Insurance be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever, including, but not limited to, loss of use, data, or profits, without regard to the form of any action, including, but not limited to, contract or negligence or other tortious actions, arising out of or in connection with the use, reproduction, or display of the content.

Representations and Disclaimers Related to Products or Services

Covva Insurance makes no representations, warranties, or guarantees with respect to quotes, terms, rates, coverage, or services offered to you by insurers or other third parties through Covva Insurance’s Services. Covva Insurance believes the content provided through its Services to be accurate, complete, and current. However, inadvertent technical or factual inaccuracies may arise and, therefore, Covva Insurance does not warrant that its content is accurate, complete, and current. Content that Covva Insurance provides through its Services is meant to assist you with insurance and financial decisions. However, such information merely constitutes a general description of insurance coverage potentially available. Any particular coverage provided to you by Covva Insurance or any insurance company or other third party is subject to that party’s terms, conditions, exclusions, and underwriting practices. Any coverage recommendations made by Covva Insurance are based solely on a defined set of information provided by you and are limited to the products and coverages that Covva Insurance offers. You acknowledge and agree that such recommendations may omit coverage that may be necessary or advisable for you and such recommendations may differ from recommendations that you might receive were you to seek advice specific to your individual circumstances. You must submit a complete application to obtain a particular coverage. Issuance of insurance coverage dependent on underwriting approval; availability and coverages may vary by state. You must verify information Covva Insurance provides through its Services before relying on that information in whole or in part. We also recommend that you obtain additional information and advice from your accountant, attorney, and other advisors that can take your individual circumstances into account. The insurance policy or other product or service you purchase from entities other than Covva Insurance forms the exclusive contract between you and the insurer or other third party, and you agree to not rely on the general information or descriptions of coverage made available through Covva Insurance’s Services.

Our Service may provide you with offers or quotes with a third party provider of goods or services. However, you agree that we make no guarantee that all users will be provided with such a quote, and that some of these services may only be available to United States residents and corporations or only available in a portion of states.

Covva Insurance may receive fees or commissions from insurers or other third parties with respect to certain transactions made in connection with our Services. Nevertheless, you acknowledge that we are not responsible for any fee arrangement or the terms of any agreement you may enter into with a provider of a product or service through our Services. You hereby release Covva Insurance of any loss, cost, damages, or claim in connection with or arising from your use of a service or product, including any fees charged

Representations to Us

By using our Services you represent and warrant to us that:

- You are authorized to purchase and bind this insurance on behalf of the entity applying for coverage.

- You have not had any judgments or liens placed against you in the last three years.

You authorize Covva Insurance, as well as its agents and representatives, to obtain consumer reports covered under the Fair Credit Reporting Act (“FCRA”) from a credit reporting agency of Covva Insurance’s choice. You consent to Covva Insurance, from time to time, obtaining and reviewing consumer reports in order to assess the insurability, or for any permissible purpose under the FCRA, with respect to you or the company or organization you represent and/or own or operate. You understand that, pursuant to the FCRA, if any adverse action is taken based upon your consumer report, Covva Insurance will alert you to this fact and send you a summary of your rights.

If any of the above statements are not true, you should not and are not authorized to use our Services.

Indemnification and Hold Harmless

By using our Services, you agree to indemnify, defend, and hold harmless Covva Insurance against any claim, cost, fine, damages, including attorneys’ fees, arising from or related to your use of our Services.

Fees and Charges

Access to and use of many aspects of our Services are free. You may choose to purchase products or services from us while using our Services, which may result in charges and fees to you. We will inform you in advance of any such charge or fee. By submitting payment information for an accepted method of payment (“Payment Method”) through our Services, you authorize us to charge you these agreed-upon amounts, as well as any applicable taxes to your Payment Method. You will not be entitled to any refund of charges, fees, or taxes except as expressly provided herein, or as required under applicable law.

Premium Audit: (a) We will compute all insurance premiums for an insurance policy in accordance with our rules and rates in effect at the time; (b) The premium displayed on our website is a deposit premium for the policy period. We reserve the right to review the details of your business at the end of your policy period. If your business has changed since you applied, we reserve the right to adjust your previous years premium up or down accordingly. This means we may refund you for excess premium paid, or that we may bill you for an increased rate to cover the increased risk of your business if such changes have occurred; and (c) The Named Insured on a policy must keep records of the information we need for premium computation (generally, the information required in an application), and send us copies if requested.

You may choose to use a credit card, debit card as a Payment Method to pay for charges, fees, and taxes in connection with our Services. Should you choose to do so, you warrant that you are authorized to use such credit or debit card for this purpose. Should you use a credit or debit card without authorization, in whole or in part, you will remain responsible for any outstanding balance, and we may alert the appropriate authorities of your misuse.

Policy coverage is annual. You may choose to pay monthly or annually. By choosing to pay monthly and providing or designating a Payment Method, you authorize us to charge you each month at the monthly rate, and any other charges you may incur in connection with our Services, such as taxes and fees, to your Payment Method. You acknowledge that the amount billed each month may vary from month to month for reasons that may include differing amounts due to changing or adding products or services, and you authorize us to charge your Payment Method for such varying amounts, which may be billed monthly in one or more charges. We will automatically bill your Payment Method each month on the calendar day corresponding to the date of your first payment. We reserve the right to change the timing of our billing, in particular, as indicated below, if your Payment Method has not successfully settled. In the event your first payment occurred on a day not contained in a given month, we may bill your Payment Method on a day in the applicable month or such other day as we deem appropriate. For example, if your first payment was on January 31st, your Covva Insurance payment date is likely to be February 28th, and your Payment Method would be billed on that date. We may authorize your Payment Method in anticipation of product or service-related charges. As used in the Terms of Use, “billing” shall indicate a charge, debit or other payment clearance, as applicable, against your Payment Method. Unless otherwise stated differently, month or monthly refers to your billing cycle. You further agree and consent to Covva Insurance continuing to debit the same payment instrument upon renewal or similar even, if applicable.

You may edit your Payment Method information by logging in online or calling our customer support. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and you do not log in or call to edit your Payment Method information or cancel your account, you remain responsible for any uncollected amounts and authorize us to continue billing the Payment Method, as it may be updated. Covva Insurance reserves the right to retry payment on your payment device on file until the amount owed is settled or you cancel your Covva Insurance account. For certain Payment Methods, the issuer of your Payment Method may charge you a foreign transaction fee or other charges. Check with your Payment Method service provider for details.

Your premium payment does not bind coverage until the insurance carrier approves your application. In the event that the insurance carrier does not approve your application, your premium payment will be refunded.

You may cancel your policy at any time by logging in online or calling our customer support. If you cancel your policy, we will stop your monthly payments and will not charge your Payment Method.

You will not be charged any interest, finance fee, late payment fee, or other type of finance charge. You agree that if you do not make a scheduled payment when due, we have the right to request cancellation of your insurance policy or policies. To avoid cancellation of your policy or policies, please be sure to make your monthly insurance premium payments on time.

Covva Insurance and its partner brokerages, risk management, underwriting services, and other consultants may directly or indirectly receive commissions, fees, or interest as compensation for their services or products, or for holding capital. If you have any questions regarding the nature or amount of the compensation paid to Covva Insurance or its partners, we encourage you to contact us.

Financial Decisions

Our Services offer a platform that provides you with access to information and third party providers of products and services. We do not endorse or recommend any of these providers, and do not act as an agent with respect to such providers or with respect to you. We do not investigate, guaranty or certify that such providers are appropriately licensed, certified, or otherwise qualified to offer these products and services. You agree that you are solely responsible to investigate these providers, and that you are solely responsible and liable for any products or services they may provide you that may give rise to costs, damages, liabilities, fees, or fines. We suggest that you seek the consult of financial advisers, insurance agents, or other qualified professionals who may be fully aware of your individual circumstances and needs prior to making any financial or insurance purchasing decisions. You agree that you are relying solely on your judgment and that of your advisors in purchasing products or services through our Services or based on information provided by our Services.

Intellectual Property Rights

Our names, graphics, and logos used in connection with our Services, service marks, icons, page headers, page layouts, scripts, and unique terminology are our trademarks and trade dress (collectively, “Proprietary Marks”) in the United States and other countries. You may not use our Proprietary Marks without our express and written permission. Covva Insurance makes no proprietary claim to any third party names, trademarks, or service marks appearing on our Services as such rights related to these names, trademarks, or service marks belong to their respective owners.

Any information, advice, data, software, or other content, which may be contained in or downloaded from our Services (collectively, “Content”), including, but not limited to, all text, graphics, charts, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. We also own copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (“Collective Work”). All software used in providing or supporting our Services (“Software”) is our property or the property of our software vendors and is protected by United States and international copyright laws. Any access you may have, including but not limited to, viewing, reading, printing, downloading or otherwise using the Content, Collective Work, or Software does not waive any of our rights and does not entitle you or any third party to any ownership or intellectual property rights.

You are solely liable for any damages arising from your infringement of our or any third party intellectual property rights with respect to the Trademarks, Content, Collective Work, or Software. You are solely responsible for any harm incurred to us or our affiliates as a direct or indirect result of you copying, distributing, redistributing, publishing, or using the same for purposes that are expressly or impliedly in violation of the Terms of Use.

No Third party Beneficiaries

The Terms of Use are between you and Covva Insurance, and no provision within the Terms of Use confers any implied or express right in any third party. The Terms of Use do not provide you with any authority to bind Covva Insurance in any way.

Assignment

You may not transfer, assign, or license your rights under the Terms of Use without our prior express and written consent.

Void Where Prohibited

Our Services are intended for use for those areas in the United States where we, our affiliates, our partner insurers, our brokers, or our agents are licensed and permitted to sell our products and services. Although our Services may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.

Our Services Are Not Intended for Minors

Our Services are not directed at minors, that is, persons younger than 18 years old. If you are not at least 18 years old, please do not attempt to access our services. We do not knowingly contact or collect personal information from persons under 18 years old, and such a person should not provide us with any information.

Governing Law and Jurisdiction

You agree that the Terms of Use (and incorporated Privacy Statement and Cookies Policy) are governed and interpreted by the laws of the State of California without regard to principles of conflicts of law. By using our Services, you agree to personal and exclusive jurisdiction of the state and federal courts of California in order to resolve any dispute arising from your use of the Services, including but not limited to the enforcement of any arbitration award. You further agree to waive any objection to such jurisdiction or venue.

Arbitration Agreement and Waiver of Class Remedies

(a) Arbitration Agreement

Any controversy or claim arising out of or relating to the Terms of Use shall be finally resolved by binding arbitration following the parties’ best efforts to settle such dispute, claim, question or disagreement. If a binding arbitration occurs, it shall be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and its procedures for consumer disputes, except for any rules or procedures permitting class actions or otherwise contradictory to the Terms of Use. An arbitrator shall wield exclusive authority to resolve all disputes, including whether this or any other provision contained in the Terms of Use is void or voidable. The arbitrator’s award shall be binding and entered as a judgment in any court of competent jurisdiction and in accordance with the Governing Law and Jurisdiction clause of the Terms of Use.

The parties understand that, absent this Arbitration Agreement provision, they may otherwise have the right to sue in a court of law, and may have the right to a trial by jury. While arbitration is intended to be more cost-effective, in some instances the cost of litigation may exceed the cost of civil litigation in a court. Moreover, the rules and procedures of arbitration may limit discovery.

(b) Waiver of Class Remedies

The parties agree that any arbitration shall be conducted only in their individual capacities, and the parties expressly forego the right or option to file or join a class action or other representative action. Should any court or arbitrator determine that the class action waiver set forth in this section is void or otherwise unenforceable, or that an arbitration can proceed on a class basis, then the arbitration provision shall be deemed null and void in its entirety, and the parties shall be deemed to have not agreed to arbitrate any dispute.

Notwithstanding the parties’ decision to resolve all disputes through arbitration, relief may also be sought in a small claims court for disputes or claims within that court’s jurisdiction—subject to the Governing Law and Jurisdiction clause of the Terms of Use.

(d) Thirty Day Right to Opt Out

You have the right to opt out and not be bound by the arbitration agreement and class action provisions of this section by sending written notice of your decision to opt out to the following address: 133 24th AVE NW, STE 154 Norman, Oklahoma 73054. Such notice must be sent within thirty (30) days of registering to use our Services, or else you shall be bound to arbitrate disputes in accordance with these Terms of Use. Any such opt out shall be mutual. We reserve the right to terminate your use of our Services should you opt out.

No Oral Modification

The Terms of Use may not be modified through oral agreement or statements. The individual employees of Covva Insurance, Covva Insurance’s partners, and Covva Insurance’s third party affiliates are not authorized to modify the Terms of Use except by the mechanism stated herein. Any employee offering to modify the Terms of Use is not acting as an agent of Covva Insurance or with proper authority to bind Covva Insurance. You agree not to rely on any statement, written or oral, by any employee or agent of Covva Insurance or any third party with respect to modification or interpretation of the Terms of Use.

Communications With Covva Insurance

In using our Services, you may choose to communicate with us by providing us with feedback, comments, questions, or proposals. Under no circumstance will your submission of information obligate Covva Insurance to pay you compensation.

You may provide your information as part of an attempted or completed request for a quote or offer for goods and services of a third party vendor. In doing so, you agree to allow Covva Insurance to use this information in any way consistent with the Terms of Use, our Privacy Statement, and our Cookie Policy. When you submit contact information to us as part of an attempted or completed request for a quote or offer for goods or services, you consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services. This is true even if your phone number is on any “do not call” list.

Severability

Except as otherwise provided herein, in the event that any provision contained within the Terms of Use shall be deemed to be unenforceable, invalid, or ambiguous, such provision shall be limited or discarded to the minimum extent necessary so that the remaining provisions of the Terms of Use remain in full force and enforceable.

Non-Waiver

Neither party shall be deemed to have waived, in whole or in part, any of its rights granted herein by its failure to exercise, in whole or in part, any right herein.

Force Majeure

Neither party shall be responsible for any delay or failure in any performance due to acts of God, war, warlike conditions, blockade, embargoes, riots, government restriction, labor disturbances, unavailability of anticipated usual means of supplies, wrecks, epidemics, quarantine, fire, flood, earthquake, explosion, any unforeseen change in circumstances, or any other causes beyond any party’s reasonable control.

Entire Agreement

The Terms of Use and only those Policies or Notices expressly incorporated by reference herein constitute the entire agreement of the parties and supersede any prior or contemporaneous agreements, understandings, warranties, or understandings, whether written or oral, whether express or implied, with connection to our Services.

Notification of Changes

At its discretion, Covva Insurance may amend the Terms of Use from time to time. We will post any such material changes to our Website along with a notice indicating that the Terms of Use have changed at least thirty (30) days prior to the effective date of these changes, when practicable. Should we materially change the Terms of Use, you may cancel your account with us by contacting us in accordance with the “Contact Covva Insurance” provision of the Terms of Use before the effective date of the modified Terms of Use. You will not be bound by the updated Terms of Use if you cancel your account within this time period.

Notice

In the event Covva Insurance may choose or become obligated to provide you with notices under or related to the Terms of Use, you consent to receive such notices or related communications by Covva Insurance posting them on its Website, by sending them to you via an email address you provided, or by sending them to a postal address you provided, at our discretion. You further agree that any such communication as described herein satisfies any legal requirement that the communication must be provided in writing.

Contact Covva Insurance

If you have any questions about the Terms of Use or wish to notify us in relation to your use of our Services, you may contact Covva Insurance by email at support@covvainsurance.com or by postal mail at: 133 24th AVE NW Suite 154 Norman, Oklahoma 73069.

This Privacy Policy was last modified on: February 28, 2020

Introduction

This Privacy Policy applies to Covva Insurance, LLC and its US affiliates, including but not limited to Covva Insurance Online Insurance Services, Covva Insurance Services, Covva Insurance First Insurance Agency, Inc., and Covva Insurance US Company (collectively, “Covva Insurance,” “we,” or “us”). This Privacy Policy describes our information processing practices in relation to you and your personal data as well as the types of information we may collect when you visit covvainsurance.com, as well as our practice for using, maintaining, storing, and disclosing information you provide to Covva Insurance, including personally identifiable information (“Personal Data”). This Privacy Policy also applies to any personal or other information we collect about you from other sources, subject to applicable local law. This Privacy Policy does not apply to any other website operated by Covva Insurance or to any website operated by any third party, including any application or content (including advertising) that may link to or be accessible from or on our Website. This Privacy Policy is additional to and does not supplant or supersede our Terms of Use, which can be found at covvainsurance.com.

In this Privacy Policy, references to “you” mean any person submitting any data, personal or otherwise, on this Website. In this Privacy Policy, Website also refers to our mobile applications, as well as future iterations of our Website and mobile applications. The term “Services” means, collectively, various websites, applications, widgets, email notifications and other mediums, or portions of such mediums, through which you have accessed or may access this Privacy Policy.

Please read this Privacy Policy carefully. If any term in this Privacy Policy is unacceptable to you, please do not use the Website or provide us with any Personal Data. By accessing or using this Website or our Services, you signify your acknowledgment and consent to the terms of this Privacy Policy and our Terms of Use. This includes your consent to Covva Insurance placing cookies on your devices, as described below in our Cookie Policy.

This Privacy Policy may change from time to time. Visiting this Website or using our Services after we make any changes to this Privacy Policy will be considered to be an acceptance and consent of those changes. Please check this Privacy Policy periodically for updates.

2. What is Personal Data?

Personal Data generally includes any representation of information that permits the identity of an individual to whom the information applies to be reasonably inferred by either direct or indirect means. Personal Data may include information: (i) that directly identifies an individual (e.g., name, address, social security number or other identifying number or code, telephone number, email address, etc.) or (ii) by which an organization intends to identify specific individuals in conjunction with other data elements, i.e., indirect identification. (These data elements may include a combination of gender, race, birth date, geographic indicator, and/or other descriptors). Additionally, information permitting the physical or online contacting of a specific individual is the same as Personal Data. This information can be maintained in any form.

3. Collection of Your Information

(a) Information you provide directly to us

Covva Insurance may collect Personal Data in order to underwrite, sell, solicit, and negotiate insurance products and services. This includes:

Your first and last name; phone number (both work and personal); home address; employment address; email address (both work and personal); date of birth; gender; any online profile you may have, including your Facebook, LinkedIn, or Google+ accounts; the last four digits of your social security number, marital status, financial data, educational background, and employment history.
Information pertaining to your employment or business, including your business name (both its legal name and your “DBA” name); business ownership structure; length of time in business; the type of work you do; the number of employees or contractors you employ; the types of work your subcontractors do; type of work your employees do; estimated payroll (overall business and per employee); the time of day your employees work; employee names; business owners’ and officers’ names (state/location, name, date of birth, title, ownership percentage, duties, class code, payroll); location of workers and employees; concentration of employees and group transportation; employee turnover; employee activities with higher risks, background checks, safety, and hiring; FEIN and other state unemployment identifications and/or tax identifications; employee age(s); whether employees are seasonal or volunteers; the types of employees you hire; whether you lease or lease out employees; your company’s business and other business revenue metrics; the insurance status for workers and subcontractors; the reasons why you may, if applicable, be looking for insurance compensation; and the age of your clients (for tutors); and other information required for underwriting decisions. If the information you provide includes Personal Data of individuals (including your employees), you represent that you have provided notice to that third party and have obtained his or her consent, per Section 3(c), below.
The amount of time you have worked in your industry.
The number of vehicles you have, your vehicle identification number(s) (VIN), the address where the vehicle is registered (with the DMV), the address where the vehicle is parked overnight, the name of the vehicle’s registered owner, the ownership status of the vehicle (i.e., leased, financed, owned), the name of the leaseholder (if applicable), the primary use of the vehicle and annual miles driven, the year you were first licensed in the United States, any previous auto accidents and/or incidents, your driver’s license number.
Information related to any prior insurance information or prior insurance claims.
Information related to whether you are licensed to do certain types of work.
Account history and data that you voluntarily provide us when you create a Covva Insurance account.
Any information you submit to us when/if you get in touch with our customer service team via contact form at Covva Insurance, email, chat, phone, or other means.
Information related to any social media or other online account you may have, such as your public profile and email address connected to those accounts. These companies will be able to tell you more about how they use and process your data.
Any information you submit when writing a review about the products you have purchased. Please note that submitting an online review of a product is public and generally accessible to, and may be collected and used by, third parties. Covva Insurance is not liable for the distribution of Personal Data that is put on a public forum.
Your events on our Website, such as page views, order information, or information provided when requesting insurance quotes or surveys.
Information collected using automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.
Sensitive information, such as your criminal background; criminal background of business owners; credit score; history of bankruptcy, tax, or credit liens; history of lawsuits related to poor workmanship, construction defects, water intrusion, or mold/fungi; and information relating to insurance or employee benefit programs.
Information online when you visit our Website or access our Services from your computer or other device, or interact with us on or through social media.
Any other information you voluntarily provide us.

Your first and last name; phone number (both work and personal); home address; employment address; email address (both work and personal); date of birth; gender; any online profile you may have, including your Facebook, LinkedIn, or Google+ accounts; the last four digits of your social security number, marital status, financial data, educational background, and employment history.
Information pertaining to your employment or business, including your business name (both its legal name and your “DBA” name); business ownership structure; length of time in business; the type of work you do; the number of employees or contractors you employ; the types of work your subcontractors do; type of work your employees do; estimated payroll (overall business and per employee); the time of day your employees work; employee names; business owners’ and officers’ names (state/location, name, date of birth, title, ownership percentage, duties, class code, payroll); location of workers and employees; concentration of employees and group transportation; employee turnover; employee activities with higher risks, background checks, safety, and hiring; FEIN and other state unemployment identifications and/or tax identifications; employee age(s); whether employees are seasonal or volunteers; the types of employees you hire; whether you lease or lease out employees; your company’s business and other business revenue metrics; the insurance status for workers and subcontractors; the reasons why you may, if applicable, be looking for insurance compensation; and the age of your clients (for tutors); and other information required for underwriting decisions. If the information you provide includes Personal Data of individuals (including your employees), you represent that you have provided notice to that third party and have obtained his or her consent, per Section 3(c), below.
The amount of time you have worked in your industry.
The number of vehicles you have, your vehicle identification number(s) (VIN), the address where the vehicle is registered (with the DMV), the address where the vehicle is parked overnight, the name of the vehicle’s registered owner, the ownership status of the vehicle (i.e., leased, financed, owned), the name of the leaseholder (if applicable), the primary use of the vehicle and annual miles driven, the year you were first licensed in the United States, any previous auto accidents and/or incidents, your driver’s license number.
Information related to any prior insurance information or prior insurance claims.
Information related to whether you are licensed to do certain types of work.
Account history and data that you voluntarily provide us when you create a Covva Insurance account.
Any information you submit to us when/if you get in touch with our customer service team via contact form at Covva Insurance, email, chat, phone, or other means.
Information related to any social media or other online account you may have, such as your public profile and email address connected to those accounts. These companies will be able to tell you more about how they use and process your data.
Any information you submit when writing a review about the products you have purchased. Please note that submitting an online review of a product is public and generally accessible to, and may be collected and used by, third parties. Covva Insurance is not liable for the distribution of Personal Data that is put on a public forum.
Your events on our Website, such as page views, order information, or information provided when requesting insurance quotes or surveys.
Information collected using automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.
Sensitive information, such as your criminal background; criminal background of business owners; credit score; history of bankruptcy, tax, or credit liens; history of lawsuits related to poor workmanship, construction defects, water intrusion, or mold/fungi; and information relating to insurance or employee benefit programs.
Information online when you visit our Website or access our Services from your computer or other device, or interact with us on or through social media.
Any other information you voluntarily provide us.

You must only submit to us or the Website information and Personal Data which is accurate and not misleading, and you must keep it up to date and inform us of any changes. For any Personal Data you provide, we are authorized to collect or verify the same or similar information from our affiliates and other third parties, such as employers, insurers, brokers or agents, credit agencies, departments of motor vehicle and driver licensing, financial institutions, healthcare providers, and other sources.

Your first and last name; phone number (both work and personal); home address; employment address; email address (both work and personal); date of birth; gender; any online profile you may have, including your Facebook, LinkedIn, or Google+ accounts; the last four digits of your social security number, marital status, financial data, educational background, and employment history.
Information pertaining to your employment or business, including your business name (both its legal name and your “DBA” name); business ownership structure; length of time in business; the type of work you do; the number of employees or contractors you employ; the types of work your subcontractors do; type of work your employees do; estimated payroll (overall business and per employee); the time of day your employees work; employee names; business owners’ and officers’ names (state/location, name, date of birth, title, ownership percentage, duties, class code, payroll); location of workers and employees; concentration of employees and group transportation; employee turnover; employee activities with higher risks, background checks, safety, and hiring; FEIN and other state unemployment identifications and/or tax identifications; employee age(s); whether employees are seasonal or volunteers; the types of employees you hire; whether you lease or lease out employees; your company’s business and other business revenue metrics; the insurance status for workers and subcontractors; the reasons why you may, if applicable, be looking for insurance compensation; and the age of your clients (for tutors); and other information required for underwriting decisions. If the information you provide includes Personal Data of individuals (including your employees), you represent that you have provided notice to that third party and have obtained his or her consent, per Section 3(c), below.
The amount of time you have worked in your industry.
The number of vehicles you have, your vehicle identification number(s) (VIN), the address where the vehicle is registered (with the DMV), the address where the vehicle is parked overnight, the name of the vehicle’s registered owner, the ownership status of the vehicle (i.e., leased, financed, owned), the name of the leaseholder (if applicable), the primary use of the vehicle and annual miles driven, the year you were first licensed in the United States, any previous auto accidents and/or incidents, your driver’s license number.
Information related to any prior insurance information or prior insurance claims.
Information related to whether you are licensed to do certain types of work.
Account history and data that you voluntarily provide us when you create a Covva Insurance account.
Any information you submit to us when/if you get in touch with our customer service team via contact form at Covva Insurance, email, chat, phone, or other means.
Information related to any social media or other online account you may have, such as your public profile and email address connected to those accounts. These companies will be able to tell you more about how they use and process your data.
Any information you submit when writing a review about the products you have purchased. Please note that submitting an online review of a product is public and generally accessible to, and may be collected and used by, third parties. Covva Insurance is not liable for the distribution of Personal Data that is put on a public forum.
Your events on our Website, such as page views, order information, or information provided when requesting insurance quotes or surveys.
Information collected using automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.
Sensitive information, such as your criminal background; criminal background of business owners; credit score; history of bankruptcy, tax, or credit liens; history of lawsuits related to poor workmanship, construction defects, water intrusion, or mold/fungi; and information relating to insurance or employee benefit programs.
Information online when you visit our Website or access our Services from your computer or other device, or interact with us on or through social media.
Any other information you voluntarily provide us.

(b) Personal Data we collect automatically

When you visit our Website, we may automatically collect certain information, which may also be categorized as Personal Data. This includes your IP address, the date and time you accessed our Services, the hardware, software or internet browser you use and information about your computer’s operating system. We might also collect information about clicks, which pages you have been browsing, and any information you have provided us in connection with shopping for or configuring insurance quotes.

If you provide Personal Data about other individuals, such as your employees or dependents, you must first obtain their consent. By providing us with Personal Data of a third party, you hereby represent that you have provided notice to that third party and have obtained his or her consent. You must provide only accurate information, and refrain from providing information that is not necessary or requested.

When you provide us with personal and other information, you consent to our collection, use, storage, and disclosure of this information to appropriate third parties for the purposes described herein and within our Terms of Use and Cookies Policy (below).

(d) Mobile devices

If you connect to our Services with your mobile device, we may collect certain information automatically, including but not limited to your mobile device’s unique device identification, IP address, mobile operating system, internet browsers in use, and location. We also may collect information about the way you use our Services. Should you choose to provide Covva Insurance with your mobile phone number, you consent to the use of your number for the purposes identified in our Terms of Use. If you choose to receive text or other notifications from us on your mobile device, you also consent to the use of your phone number for that purpose.

(e) Public Forums

In providing you with an insurance quote, Covva Insurance may search across various public Internet sources about you or your company. Based on this search, Covva Insurance reserves the right to adjust your quoted insurance premiums and will bear no liability for the content’s accuracy, suitability, legality, or offensiveness. Covva Insurance bears no responsibility or obligation to monitor user-generated content but nevertheless reserves the right to remove or edit user-generated information for any reason whatsoever. Should you encounter any issues with user-generated content, please contact us immediately.

4. How We Use Your Personal Data

Covva Insurance collects information from you, including Personal Data, for a variety of purposes, as described below (collectively. “Purposes”). This may include to:

Underwrite, sell, solicit, and negotiate insurance products and services.
Process your order.
Contact you regarding your account, your orders, upcoming and/or failed payments, renewals, and endorsements, or for any other important reason. This authorization is without regard to any “do not call” list registry.
Provide you with a requested quote or offer goods and services of a third-party vendor. When you submit contact information to us as part of an attempted or completed request for a quote or offer for goods and services, you consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services. This is true even if your phone number is on any “do not call” list.
Contact you with relation to our Services and products or services offered through our Services if you expressly provide us with your contact information in connection with our Services or the products or services offered through our Services. This authorization is without regard to any “do not call” list registry.
Provide you with information and/or services you request.
Determine eligibility and process applications for products and services.
Inform you regarding products and services we may offer.
Communicate, service, and bill accounts or clients.
Inform the research and development of new products and services.
Analyze claims data or other data to (i) respond to your questions or provide you information that you request; (ii) provide you with products, services, or subscriptions that you select, including associated benefits; (iii) carry out our obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection; (iv) present our Website and its contents to you; (v) help dynamically generate content on web pages or in newsletters; (vi) store information about your preferences, so we can better personalize your content; and (vii) conduct other commercial purchases, including advertising and product development.
Obtain and update insurance or credit information with appropriate third parties, such as credit reporting agencies.
Monitor and administer accounts and the services thereto.
Conduct employee and other training.
Perform market analysis, analytics, decisioning, advertising and marketing of products and services to you, or to facilitate advertising and marketing.
Fulfill contractual obligations.
Comply with or satisfy a legal or regulatory requirement.
Fulfill any additional commercial purposes, provided that it is within the applicable law(s).

5. With Whom Do We Share Your Personal Data

Covva Insurance does not rent or sell the Personal Data that we collect except in accordance with this Privacy Policy. Covva Insurance may disclose your information, including Personal Data, as follows:

To insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, lawyers, accountants, and others involved in the claims handling process (“Disclosure”). Additionally, to guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing our compliance with industry standards, and our attorneys, accountants, and auditors.
To Covva Insurance entities or service providers working on our behalf that reside in geographical borders outside the United States. This means that we may store this information in a jurisdiction other than where you are based, including outside the United States. We will take all steps reasonably necessary to ensure that your data is treated securely and subject to appropriate safeguards in accordance with this Privacy Policy and applicable legislation.
To third parties who assist us in operating our Website, conducting our business, or servicing you, including marketing and advertising.
As permitted by law, to third party insurance rate advisory organizations and other organizations who compile commercial databases of insurance and financial information which may include premium and loss data, vehicle history, name, address, ownership structure, liens, judgements, and payment history.
To comply with the law, enforce our Website policies, or protect our or others’ rights, property, or safety.
If we are required to do so or have the good faith belief that such action is necessary to conform to the edicts of the law or comply with legal process or request served on Covva Insurance.
When necessary or appropriate to prevent physical harm or financial loss, in connection with an investigation of suspected or actual illegal activity.
As required for company audits or to investigate a complaint or security threat.
Subject to applicable law and regulations, if this Covva Insurance Website is sold to, or merges with, another company not owned by Covva Insurance, you should expect that some or all of your Personal Data collected from this Website may be transferred, sold to, or assigned to the buyer/surviving company. If so, Covva Insurance will seek to obligate the acquiring company to use any Personal Data transferred by this Covva Insurance Website in a manner consistent with this Privacy Policy, but cannot guarantee that it will be able to impose that requirement or that the acquiring company will comply.
To enforce or apply our Website policies and/or other agreements, including for billing and payment collection purposes, or to protect the rights, property, or safety of Covva Insurance or our customers, or others. This may include an exchange of information, including your Personal Data, to other companies and organizations for the purposes of fraud protection and credit risk reduction.
For any other purpose you have consented to when required by applicable law and regulations.
To our service providers which are contractually restricted from using or disclosing your information except as necessary to perform services on our behalf or to comply with legal requirements.

By providing Personal Data, including sensitive information, to Covva Insurance, you consent to the types of disclosures or data transfers outlined in this Privacy Policy.

6. The Period For Which Your Personal Data Will Be Stored By Us

Covva Insurance retains your data so long as necessary to fulfill the Purposes for which it was collected, unless a shorter retention period is otherwise agreed to by contract. Covva Insurance may hold onto your data for a longer retention period if it is necessary to meet regulatory or legal requirements, enforce our Terms of Service, or prevent fraud or abuse, or in the ordinary course of archiving our business records.

7. Data Security

Covva Insurance takes steps to protect your information from unauthorized access. While we take reasonable measures to protect the information you submit via the website against loss, theft, and unauthorized use, disclosure, or modification, we cannot guarantee its absolute security. No internet, email, or mobile application transmission is ever fully secure or error free. Email or other messages sent through the website may not be secure. You should use caution whenever submitting information through email or the website and take special care in deciding which information you provide us.

8. Revisions To Our Privacy Policy

We reserve the right to change this Privacy Policy at any time. Any changes we make will be posted on this Website. If we make material changes to how we treat your Personal Data, we will notify you by e-mail to the e-mail address provided by you or through a notice on the Website home page. The date of this Privacy Policy was last revised is identified at the top of the page. You are responsible for periodically monitoring and reviewing any updates to this Privacy Policy. Your continued use of our Website after such amendments will be deemed your acknowledgment and consent of these changes to this Privacy Policy.

9. Third-Party Links

We may include on our Website links to other websites containing third party products or services. Please note that this Privacy Policy does not apply to those websites or services. We encourage you to read the privacy statements and terms and conditions of any linked or referenced websites you enter. These third-party websites may use their own cookies and tracking devices, log your IP address, and otherwise collect data or solicit your Personal Data. Covva Insurance claims no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our Website and welcome any feedback about these sites.ה

10. Do Not Track

Because a “Do Not Track” (DNT) standard has not yet been adopted, we do not currently respond to DNT signals.

11. Your Rights With Regard To Your Personal Data

Covva Insurance provides you with the opportunity to opt-out of receiving email or telephone communications from us, our business partners, and third party survey vendors. To opt-out of receiving these communications, please contact us at the email or postal address listed in this Privacy Policy below in Section 19.

12. Accessing and Updating Your Information

Covva Insurance attempts to maintain reasonably accurate and complete records containing your Personal Data and other information. If you signed up for electronic communications from us, you can unsubscribe at any time, as we advise in the instructions included in that communication. Likewise, if you elected to receive push notifications through your mobile device, you can stop them by changing your preferences through your device or application settings. You may also uninstall our application through your mobile device’s uninstall process if you no longer wish for the mobile application to collect information or be on your device. As described in our Cookie Policy, you may modify your web browser settings to accept or refuse cookies.

You may also contact us via e-mail or the postal address listed in the Contact Us section at the bottom of this Privacy Policy. Please provide your current contact information, describe the information you want to access, and your requested changes. We will provide you access to the Personal Data requested, subject to reasonable limitations provided by law, unless it violates third party privacy or other protections. Should we be unable to provide you with the requested access, we will tell you why that is the case.

13. Covva Insurance’s Cookie Policy

This Cookie Policy is part of our Terms of Use and Privacy Policy and is incorporated herein by reference. By using Covva Insurance’s Services, you agree that we can place cookies on your device as described herein.

Covva Insurance collect information about how you use our Website by using cookies. A cookie is a small text file, generated by a website, that is stored in the website user’s internet browser or computer or mobile device hard drive, on a temporary or permanent basis. Cookies allow a website to identify a user’s device whenever that user returns to the website. This provides the user with a more stable and enriching experience, and allows a website owner to gather usage information. You can find more detailed information about cookies and how they work at www.aboutcookies.org/.

You can configure your internet browser preferences to limit the acceptance and storage of cookies, but blocking all cookies may severely limit your browsing experience on our and other websites.

Covva Insurance may also utilize web beacons and similar tracking technologies to gather information about your interactions with Covva Insurance websites. A web beacon is a one-pixel usually-transparent electronic image inserted in web content or email messages. It passes information about pages and content viewed by Covva Insurance Website users.

14. Covva Insurance’s Cookie Use

Cookies allow Covva Insurance to identify a user’s device when that user returns to Covva Insurance’s Website and to run its Services more efficiently by providing a more stable experience custom to each user.

Cookies also may provide Covva Insurance with information about its users and enable Covva Insurance to compile aggregate user statistics.

The cookies Covva Insurance uses vary. Some of the cookies Covva Insurance uses are necessary to allow users to navigate secure areas containing content for registered users. Covva Insurance also uses functional cookies to gather information about user choices such as language, region, or other settings. Information gleaned from these functional cookies is usually anonymized and not used for non-functional purposes.

Covva Insurance uses analytical services to determine the effectiveness of our content, what interests our users, and the functionality of our Services. We also use web beacons (which are usually one- pixel electronic images inserted in web content or email messages), tracking pixels, and similar technologies to understand more about Website visitors and count visitor numbers.

Covva Insurance utilizes performance cookies to track how many individual users visit our Website and how often they do so. While information gathered through web beacons, tracking pixels, and performance cookies are generally not used to personally identify any user, such data may be combined with other information to analyze personal website user information.

This Website does not utilize targeting cookies, which deliver targeted advertising. However, third party websites on which Covva Insurance may advertise may use these cookies to track the success of those advertising campaigns. We may use web beacons to decipher which users arrived at our website after viewing an advertisement on such a third party website. Covva Insurance does not glean Personal Data from the use of web beacons, but rather uses this technology to gauge the effectiveness of our ads and compile aggregated data about Website users. Web beacons may also work in concert with cookies on your device to monitor activity. You cannot block web beacons, and because they are not installed on your device, you cannot remove them.

However, you can remove and block the cookies on which web beacons rely to glean information about your user activity.

15. Your control over cookies

You can control and manage your cookies in various ways. You can control whether you block or accept cookies by modifying your internet browser settings, including the selection of “do not track” options. You can accept all cookies, be notified when a cookie is sent, or reject all cookies. Most browsers also allow you to individually delete cookies, though this may cause you to lose preferences you set for various websites. Note that removing or blocking cookies may impair your user experience and prevent access to portions of Covva Insurance’s Website. Covva Insurance’s web beacons will still function without cookies, but will only record that the Website was anonymously visited. For more information about how to modify your browser settings to block or filter cookies, see www.aboutcookies.org/.

You can opt-out of having your anonymized browsing activity within websites recorded by analytics cookies.

A local shared object or flash cookie is similar to other cookies except that it can store additional information. These cookies cannot be filtered using the browser settings as described above. Some parts of Covva Insurance’s Website use flash cookies to store preferences for media player functionality. Some video content may not play properly without these cookies. These cookies can be controlled manually by visiting the Adobe website.

16. International Users

Covva Insurance and this Website are based in the United States. Covva Insurance only offers insurance to United States residents. By using the Website, you consent to this collection, transfer, storage, and processing of information in the United States in accordance with the foregoing.

17. Covva Insurance Does Not Intend to Collect Information of Children

We understand the importance of protecting the privacy of children. Our Website is not intentionally designed for or directed at children under 18 years of age, and we do not knowingly collect personal information from children on our Website. No one under the age of 13 may provide any information, personal or otherwise, to or on our Website. If we learn we have collected or received Personal Data from a child under 18 without verification of parental consent, we will delete that information immediately. If you believe we might have any information from or about a child under 18, please contact us at the postal or email address listed in this Privacy Policy.

18. Contact Us

If you have any questions relating to this Statement or your Personal Data that Covva Insurance maintains, or wish to change the specific Personal Data you have provided, please contact us at Covva Insurance, LLC, by phone at 405-293-3660, by email at support@covvainsurance.com, by postal mail to: 133 24th AVE NW, Suite 154 Norman, Oklahoma 73069, or website at https://www.covvainsurance.com