Your trust matters
Privacy Policy
The Coverage Doc respects your privacy. This Privacy Policy explains how Calico Leads, operating under the brand name The Coverage Doc, collects, uses, shares, and protects information when you visit our website, complete an assessment or quiz, submit a form, request information, communicate with us, or otherwise interact with our services.
Summary
The Coverage Doc is a lead-generation and consumer connection service. We are not an insurance company, insurance carrier, underwriting company, or insurance agency.
Our website allows consumers to provide information about their life insurance interests and needs. We may use that information to help connect consumers with licensed insurance agents, agencies, brokers, or other insurance-related partners who may contact them regarding life insurance products and coverage options.
When you submit your information through our website, you understand that the information you provide may be shared with one or more insurance-related partners for the purpose of responding to your request and contacting you about life insurance.
By using our website or submitting your information, you acknowledge that you have read and understood this Privacy Policy and the applicable consent and disclosure language presented when you submit your information.
Information We Collect
Information you voluntarily provide
We may collect information that you voluntarily provide through our website, forms, assessments, quizzes, phone calls, text messages, emails, or other communications.
This may include: name, phone number, email address, state or ZIP code, age or date of birth, general health or lifestyle information you choose to provide, coverage amount you are interested in, reason for seeking life insurance, type of insurance you may be interested in, whether you currently have life insurance, preferred contact information or contact time, and any other information you voluntarily submit.
Technical information collected automatically
We may also automatically collect certain technical information when you visit or interact with our website or advertisements, including: IP address, browser type, device type, operating system, pages visited, time spent on the website, referring website, advertising campaign information, cookies, pixels, event data, and similar tracking information.
How We Use Your Information
We may use the information we collect to:
respond to your request for information;
provide and operate our assessment, forms, website, and services;
understand your life insurance interests and coverage needs;
help connect you with licensed insurance agents, agencies, brokers, or insurance-related partners;
provide your information to insurance-related partners who may contact you about life insurance products or services;
contact you by telephone, text message, email, or other permitted communication methods regarding your request;
manage leads, inquiries, communications, and follow-up;
verify or validate information and help identify duplicate, fraudulent, or invalid submissions;
improve our website, advertisements, forms, assessments, and services;
measure advertising and marketing performance;
prevent fraud, spam, abuse, or other misuse;
maintain business and transaction records; and
comply with applicable legal and regulatory requirements.
How We Share Your Information
We may share information we collect with third parties when reasonably necessary to provide our services, fulfill your request, operate our business, or comply with applicable law.
This may include:
licensed life insurance agents;
insurance agencies;
insurance brokers;
insurance marketing or distribution partners;
insurance-related service providers;
CRM and lead-management platforms;
call, text, and email service providers;
website hosting and technology providers;
advertising and analytics providers;
fraud prevention and verification providers; and
other vendors or service providers that help us operate our business.
When you submit an assessment, form, or other request for life insurance information, your information may be shared with one or more insurance-related partners who may contact you regarding life insurance products, services, or coverage options.
The number and identity of the parties that may receive your information can depend on the nature of your request, the information you provide, the geographic area involved, and the partners available to respond to your request.
We do not knowingly provide your information to unrelated third parties for purposes unrelated to the request or services described in this Privacy Policy, except where permitted or required by law.
Health and Insurance-Related Information
Some questions on our website may ask for general information relating to health, lifestyle, age, existing insurance coverage, or other factors that may be relevant to life insurance.
You are not required to provide information that is not requested by the assessment or applicable form.
Information you provide may be used to help understand your request and connect you with an appropriate licensed insurance professional or insurance-related partner.
The Coverage Doc and Calico Leads do not make underwriting decisions, issue insurance policies, approve or deny coverage, determine final eligibility, or establish final insurance rates.
Any underwriting decision, application decision, coverage determination, policy issuance, or final pricing is made by the applicable licensed insurance professional, agency, broker, or insurance carrier.
Consent to Be Contacted
When you submit your information through our website, you may be asked to provide consent for The Coverage Doc, Calico Leads, and/or one or more licensed insurance professionals, agencies, brokers, or insurance-related partners to contact you regarding your request for information about life insurance.
Depending on the form or assessment you complete, contact may occur by telephone call, text message, email, or other communication methods permitted by applicable law.
Message and data rates may apply.
Consent to receive marketing communications is not a condition of purchasing any insurance product or service.
Your consent does not guarantee that you will receive a quote, qualify for coverage, or be approved for insurance.
You may opt out of certain communications at any time by following the unsubscribe instructions included in an email, replying STOP to applicable text messages, or contacting the relevant sender.
You may also contact us regarding privacy or communication preferences using the contact information provided in this Privacy Policy.
Cookies, Pixels, and Tracking Technologies
We may use cookies, pixels, tags, scripts, analytics tools, advertising technologies, and similar technologies to operate our website, understand website activity, measure advertising performance, improve our services, and help us understand how consumers interact with our advertisements and website.
These technologies may be provided by third-party services such as Google Analytics, Google Ads, Meta/Facebook, GoHighLevel, and other advertising, analytics, CRM, or technology providers.
These technologies may collect information such as device information, IP address, browser information, pages viewed, interactions with our website, referring advertisements or websites, and other usage information.
You can generally manage or restrict cookies through your browser or device settings. Disabling certain technologies may affect the functionality of portions of our website.
Third-Party Links and Services
Our website may contain links to third-party websites, insurance agencies, insurance carriers, brokers, or other services.
We do not control and are not responsible for the privacy practices, security practices, content, or policies of third parties.
If you interact directly with a third-party agent, agency, broker, carrier, or other service provider, that party's own privacy policy, terms, and disclosures may apply.
Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect the information we collect and maintain.
However, no method of transmitting or storing information electronically is completely secure. We cannot guarantee that information transmitted to or stored by us will be completely secure.
If we become aware of a security incident affecting personal information, we will respond in accordance with applicable law.
Data Retention
We may retain information for as long as reasonably necessary to:
fulfill the purposes described in this Privacy Policy;
respond to requests and communications;
operate and improve our business;
manage and document lead transactions;
maintain business and financial records;
comply with legal, regulatory, tax, or contractual obligations;
resolve disputes;
prevent fraud or abuse; and
enforce our agreements and policies.
Retention periods may vary depending on the type of information and the purpose for which it was collected.
Your Choices
Depending on applicable law, you may contact us to request that we:
update or correct your information;
provide information about how your information is handled;
delete certain information;
stop contacting you directly;
opt you out of certain marketing communications; or
exercise other privacy rights available to you under applicable law.
Some requests may be subject to legal or operational limitations.
To make a privacy request, contact us at:
team@thecoveragedoc.com
California Privacy Notice
If you are a California resident, you may have additional rights under applicable California privacy laws.
Depending on whether and how those laws apply to our business, these rights may include rights relating to accessing, correcting, deleting, or obtaining information about certain personal information we collect.
California residents may also have rights relating to the sale or sharing of personal information in circumstances covered by applicable law.
To submit a privacy request, contact us at:
team@thecoveragedoc.com
We may take reasonable steps to verify your identity before completing certain privacy requests.
Children's Privacy
Our website and services are intended for adults and are not directed toward children under the age of 18.
We do not knowingly collect personal information from children under 18 through our website.
If you believe that a child has provided personal information to us, please contact us so that we can take appropriate steps.
No Insurance Advice
The information provided on this website is for general informational and consumer-connection purposes only.
Calico Leads and The Coverage Doc are not an insurance carrier and do not provide insurance underwriting, legal, tax, or financial advice.
We do not determine whether you qualify for a particular insurance policy or guarantee that any insurance product will be available to you.
Any insurance recommendation, quote, application, underwriting decision, policy approval, coverage determination, or final pricing is handled by the applicable licensed insurance professional, agency, broker, or insurance carrier.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to our business, services, information practices, or applicable legal requirements.
When we make changes, we will update the Effective Date at the top of this page.
Your continued use of the website after an updated Privacy Policy is posted may constitute acceptance of the updated policy to the extent permitted by applicable law.
Contact Us
For questions about this Privacy Policy, your personal information, or how your information is handled, contact us at:
Calico Leads The Coverage Doc Email: team@thecoveragedoc.com Website: thecoveragedoc.com