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Privacy Policy

**Effective Date:** January 09, 2025

 

Privacy Statement

At Univision Insurance Services, LLC and CoverToday Insurance Agency (collectively referred to as "we," "us," or "our"), your privacy is important to us. This Privacy Policy describes how we collect, use, and share your information through our websites (www.CoverToday.com and other affiliated sites), telephone communications (310-299-5555), mobile applications, online advertisements, and other online and offline interactions (our "Systems"). This Privacy Policy applies solely to our Systems and does not extend to third-party sites.

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Information We Collect

We collect the following types of information:

1. Information You Provide Directly:

- Personal details: Name, address, email, phone number, date of birth, driver’s license, marital status, and household information.

- Insurance details: Previous policies, coverages, claims history, and payment details.

- Financial and billing information: Social Security number, credit card details, billing address.

- Medical information: Relevant to health-related claims.

- Content you submit: Comments, reviews, photos, or other content.

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2. Information Collected Automatically:

- Device details: IP address, browser type, operating system, and device identifiers.

- Usage data: Pages viewed, search queries, and activities performed on our Systems.

- Cookies and similar technologies: To enhance your experience and analyze usage.

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3. Information from Third Parties:

- Consumer reporting agencies: Credit history, driving records, and claims data.

- Insurance-support organizations: Data to assist with policy underwriting and claims.

- Business partners: Information to process transactions.

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How We Use Your Information

We use your information to:

- Provide insurance quotes, process applications, and manage policies.

- Communicate with you about your account, policy updates, and marketing offers.

- Analyze and improve our services, products, and Systems.

- Conduct marketing and advertising campaigns, including retargeting.

- Ensure the security of our Systems and comply with legal requirements.

- Prevent fraud, unauthorized access, and criminal activities.

- Create anonymized or aggregated data for analytical purposes.

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How We Share Your Information

We share your information in the following ways:

1. With Service Providers:

- Entities that assist in policy processing, claims management, and customer communications.

2. With Affiliated Companies:

- For marketing, research, or operational purposes.

3. With Non-Affiliated Third Parties:

- Business partners, as permitted by law, to provide financial services or products.

4. For Legal or Safety Reasons:

- To comply with legal obligations, protect our rights, or respond to regulatory inquiries.

5. With Your Consent:

- For additional uses that require explicit approval.

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Your Privacy Choices

1. Opt-Out of Marketing Communications:

You may unsubscribe from marketing emails by following the instructions in our emails or contacting us at 310-299-5555.

2. Limit Sharing of Personal Information:

Residents of California and certain other states may have additional rights. Contact us for details about opting out of data sharing.

3. Manage Cookies:

Adjust your browser settings to limit the use of cookies. Note that disabling cookies may affect website functionality.

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Security of Your Information

We use industry-standard measures to protect your data. However, no method of transmission over the Internet or storage is completely secure. Please contact us immediately if you believe your information has been compromised.

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Children’s Privacy

Our services are not intended for children under 13. If we become aware that we have collected personal information from a child, we will delete it promptly.

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State-Specific Rights

California Residents: Under the California Consumer Privacy Act (CCPA), you have the right to request information about how your data is used, deletion of your personal data (subject to exceptions), and opt-out of the sale of your personal information.

Nevada Residents: To opt-out of the sale of your personal data, email us at email@covertoday.com.

Other States: Residents of states with specific privacy laws (e.g., Vermont, Montana) may have additional rights. Contact us to learn more.

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Updates to This Privacy Policy

We may update this Privacy Policy periodically. The date of the most recent update is listed at the top of this document. Please review it regularly to stay informed.

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Contact Us

If you have questions or concerns about our Privacy Policy or practices, contact us at:

**Phone:** 310-299-5555

**Email:** email@covertoday.com

**Mail:** Univision Insurance Services, LLC/CoverToday Insurance Agency, 272 S Rampart Blvd #A, Los Angeles, CA 90057

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1. Terms of service for SMS



Types of SMS Communications:
If you have consented to receive text messages from Univision Insurance Services, LLC, you may receive messages related to the following:

  • Appointment reminders

  • Follow-up messages

  • Billing inquiries

  • Promotions or offers (if applicable)

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Example: "Hello, this is a friendly reminder of your upcoming appointment with. Reply STOP to opt out of SMS messaging at any time."

Message Frequency:
Message frequency may vary depending on the type of communication. For example, you may receive up to 1 SMS messages per week related to your policy.

Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method:
You may opt-in to receive SMS messages from Univision Insurance Services, LLC in the following ways:

  • Verbally, during a conversation

  • By submitting an online form

  • By filling out a paper form

Opt-Out Method:
You can opt-out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at 310-299-5555

Additional Options:

  • If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

Standard Messaging Disclosures:

CoverToday Insurance Agency, LLC – Compensation Disclosure

CoverToday Insurance Agency, LLC (“CoverToday”) is committed to transparency in how we are compensated for the insurance brokerage and related services we provide. We work with clients, retail agents, brokers, and insurance carriers to offer a range of insurance solutions. Our compensation comes in various forms, including commissions, contingency income, and, in some cases, fees paid by clients or third parties. Below is an outline of how we are compensated.

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Commission Income
We receive commissions from insurance carriers or managing general agents for placing and servicing insurance policies. Commissions are typically calculated as a percentage of the premium paid by the insured and are included in the total premium amount. Employees or representatives of CoverToday involved in policy placement and servicing may receive compensation that varies based on the commissions we earn.

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Contingency Income
CoverToday may receive additional compensation through contingency agreements with insurance carriers or managing general agents. These payments depend on various factors, including premium volume, policy retention, underwriting profitability, and claims history. Since contingency income is calculated based on overall business performance rather than individual policies, there is no direct way to determine how a specific insurance policy affects these payments.

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Supplemental Commissions
Some insurance companies provide supplemental commissions, which are predetermined, fixed payments based on historical performance metrics similar to those used for contingency income. These supplemental commissions, sometimes referred to as “Guaranteed Supplemental Commissions” (GSCs), are typically negotiated annually and are not contingent on future performance.

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Fees Paid by Clients
In some cases, particularly for business insurance or complex insurance programs, CoverToday may charge clients a fee in addition to or instead of commissions. These fees are mutually agreed upon in advance and disclosed to the client before coverage is bound. In certain situations, we may receive both commissions and client-paid fees for placement or additional services, such as risk management or policy administration.

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Wholesale Operations
CoverToday may place insurance through wholesale brokers or managing general agents (MGAs), including those affiliated with us. In such cases, both the wholesale broker and CoverToday may earn commissions. Wholesale brokers and MGAs provide access to specialized insurance markets not available through standard retail brokerage channels. These transactions do not typically impact the total premium paid by the insured.

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Other Compensation and Benefits
CoverToday may receive additional revenue or benefits in connection with our insurance brokerage services, including:

  • Payments from insurance carriers for training, marketing, or promotional events

  • Fees or interest from the administration of premium finance contracts

  • Interest earned on fiduciary or trust accounts where insurance premiums are temporarily held before remittance to carriers

  • Compensation for policy administration, claims services, or loss control support

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Carrier Relationships and Preferred Markets
While CoverToday works with a broad range of insurance carriers, we may prioritize strategic relationships with certain insurers that provide competitive pricing, enhanced service, and long-term benefits to our clients. These preferred carriers may offer additional compensation, which we use to invest in technology, training, and improved client services. In some cases, our employees may be incentivized to consider preferred carriers when suitable for a client’s needs. CoverToday representatives may also participate in advisory boards or committees for select carriers to enhance collaboration and service offerings.

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We are committed to providing full disclosure and transparency regarding our compensation practices. If you have any questions about how CoverToday is compensated for your policy, please contact us for more information.

© 2024 por Univision Insurance Services. Desarrollado por GoZoek.com

política de privacidad

Términos y condiciones de SMS

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