2. How We Use Your Information
We use the collected information for the following purposes:
- Generate AI-powered risk assessments and personalized recommendations
- Create and maintain your account with secure authentication
- Process payments and send billing notifications
- Send you assessment reports and relevant insurance insights
- Improve our AI models and platform functionality
- Provide customer support and respond to inquiries
- Send service updates, security alerts, and administrative messages
- Detect, prevent, and address fraud, security issues, and illegal activities
- Comply with legal obligations and enforce our Terms of Service
3. Information Sharing
We do not sell your personal information. We may share your information in the following circumstances:
- Service Providers: With trusted third parties who assist in operating our platform (hosting, analytics, payment processing, customer support)
- Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as a business asset
- Legal Requirements: When required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights or prevent harm
- With Your Consent: Any other sharing will only occur with your explicit consent
Note: We may share aggregated, anonymized data that cannot identify you with insurance partners, research institutions, or industry groups to advance risk assessment research.
4. Data Security
We implement industry-standard security measures to protect your data:
- Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
- Access Controls: Strict access controls with least privilege principles
- Monitoring: Continuous security monitoring and logging
- Compliance: SOC 2 Type II certified and GDPR compliant
- Regular Audits: Third-party security audits and penetration testing
While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.
5. Your Rights
You have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal retention requirements)
- Portability: Receive your data in a structured, commonly used format
- Objection: Object to certain processing activities, including direct marketing
- Restriction: Request restriction of processing in certain circumstances
- Withdraw Consent: Withdraw consent where processing is based on consent
To exercise any of these rights, contact us at privacy@coverscore.ai. We will respond within 30 days.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Specifically:
- Account Data: Retained while your account is active and for 3 years after closure
- Assessment Data: Retained for 5 years after last assessment for historical analysis purposes
- Usage Analytics: Aggregated and anonymized after 26 months
- Transaction Records: Retained for 7 years per financial regulatory requirements
7. Cookies
We use cookies and similar tracking technologies to operate our platform. For detailed information about our cookie practices, please see our Cookie Policy.
8. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child under 18, please contact us immediately at privacy@coverscore.ai.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
- Posting the updated policy on this page with a new "Last updated" date
- Sending an email notification to the address associated with your account
- Displaying a prominent notice within the platform for 30 days after the change
Your continued use of our services after changes become effective constitutes acceptance of the revised policy.