Privacy Policy

1. Who we are

This Privacy Policy explains how Family Cover Insurance ("we", "us", "our") collects, uses, discloses and protects personal information when you visit familycoverinsurance.com (the "Website"), contact us, request a quote, or subscribe to our newsletter.

We are an independent insurance advisory business located at 2425 14th Ave S, Minneapolis, MN 55404, USA. For the purposes of applicable data protection law, Family Cover Insurance is the data controller of the personal information described in this policy. Where we arrange insurance for you, the underwriting carrier becomes a separate controller of the information contained in your application and policy.

2. Information we collect

2.1 Information you give us

• Contact details — name, email address, telephone number, postal address and ZIP code supplied through our contact, quote, callback, subscribe and unsubscribe forms.
• Cover requirements — the type of insurance you are interested in, information about your home, vehicles, household members, pets, business, travel plans, health requirements, existing insurer and renewal dates.
• Correspondence — the content of messages, emails and call notes when you contact us.
• Marketing preferences — the topics you select, the frequency you choose, and your consent records.

2.2 Information collected automatically

• Technical data — IP address, browser type and version, device type, operating system, referring page, pages viewed, date and time of access.
• Usage data — how you navigate the Website, which forms you start and whether you complete them.
• Cookies — small text files described in section 6 below.

2.3 Sensitive information

If you ask us to arrange health or life cover, we may need to process information about your health, medical history, tobacco use or family medical history. We process that information only with your explicit consent, only to obtain and administer cover for you, and only share it with the carriers and underwriters involved in your application.

3. How we use your information

• To respond to your enquiry, prepare a quote and explain your options.
• To arrange, bind, administer, renew and service insurance policies on your behalf.
• To provide claims advocacy, including documenting losses and negotiating settlements with carriers.
• To call you back at the time you requested through our callback form.
• To send you the Family Cover Insider newsletter where you have subscribed, and to process unsubscribe requests.
• To operate, secure and improve the Website, and to diagnose technical problems.
• To comply with legal, regulatory, licensing, anti-fraud and anti-money-laundering obligations.
• To establish, exercise or defend legal claims and to enforce our Terms and Conditions.

We do not sell your personal information. We do not rent, trade or share your contact details with third-party marketers, data brokers or lead-generation networks. Where we need to pass your details to a carrier to obtain a quote, we do so only for that purpose and we tell you which carriers are involved.

4. Legal bases for processing

Depending on the activity, we rely on one or more of the following bases: your consent (newsletter subscriptions, callback requests, processing of health data); performance of a contract or steps taken at your request before entering a contract (quoting, binding and servicing insurance); our legitimate interests (operating and securing the Website, preventing fraud, responding to enquiries); and compliance with a legal obligation (insurance licensing, record-keeping and tax requirements). Where we rely on consent you may withdraw it at any time, which does not affect processing that already took place.

5. Who we share information with

• Insurance carriers and underwriters we work with, in order to obtain quotations, bind cover, service policies and handle claims.
• Wholesalers, managing general agents and programme administrators where a particular cover is only available through them.
• Service providers who host our systems, provide email delivery, telephony, document storage or website analytics, under written confidentiality and data-processing terms.
• Professional advisers — auditors, lawyers and accountants.
• Regulators and law enforcement — state departments of insurance and other authorities, where we are legally required to disclose information.
• Business transfers — in the event of a merger, acquisition or sale of assets, with notice and continuing protection of your information.

We do not transfer your personal information outside the United States except where a carrier or service provider requires it, and then only with appropriate safeguards in place.

6. Cookies and tracking technologies

The Website uses a limited set of cookies and similar technologies:

• Strictly necessary cookies — required for form submission, security and remembering that you accepted this notice. These cannot be switched off.
• Preference cookies — remember choices such as your last-viewed service so you do not have to re-enter them.
• Analytics cookies — aggregated statistics about which pages are used, so we can improve content. These are only set with your consent.

You can block or delete cookies through your browser settings at any time. Blocking strictly necessary cookies will prevent our forms from working. Third-party content embedded on some pages (for example the map on our contact page) may set its own cookies; please refer to that provider's privacy policy.

7. How long we keep your data

We keep personal information only for as long as needed for the purpose it was collected:

• Quote enquiries where no policy was taken out — up to 24 months, so we can re-quote you accurately.
• Policy and claims records — for the life of the policy plus the period required by insurance, licensing and tax law, generally seven years after expiry or claim closure.
• Newsletter subscribers — until you unsubscribe. We then retain a suppression record (email address and date only) so we never email you again by mistake.
• Website logs — up to 12 months for security and troubleshooting.

8. How we protect your data

We use administrative, technical and physical safeguards appropriate to the sensitivity of the information, including TLS encryption for data submitted through this Website, access controls and unique credentials for staff, least-privilege access to client records, secure storage of submissions on our own servers, regular backups, and staff training on confidentiality. No method of transmission over the internet is completely secure, and while we work hard to protect your information we cannot guarantee absolute security.

9. Your privacy rights

Subject to applicable law, you may have the right to:

• Access — request a copy of the personal information we hold about you.
• Correction — ask us to fix inaccurate or incomplete information.
• Deletion — ask us to erase your information, except where we must retain it for legal, regulatory or policy-servicing reasons.
• Restriction or objection — ask us to limit processing, or object to processing based on legitimate interests, including direct marketing.
• Portability — receive your information in a structured, commonly used machine-readable format.
• Withdraw consent — at any time, without affecting prior lawful processing.
• Non-discrimination — we will never treat you less favourably for exercising a privacy right.
• Complaint — complain to your state Attorney General or data protection authority if you believe we have mishandled your information.

To exercise any right, email contact@familycoverinsurance.com or write to us at the address below. We verify your identity before responding and aim to answer within 30 days. There is no charge unless a request is manifestly unfounded or excessive.

10. Newsletter subscription and unsubscribe

When you subscribe through our Subscribe page or the footer form, we store your name, email address, chosen topics, chosen frequency, the page you subscribed from, and the date and time of consent. We use this information solely to send you the newsletter and to personalise its content.

Every newsletter includes an unsubscribe link. You can also use our Unsubscribe page at any time. Unsubscribing is immediate: we mark your record as unsubscribed, stop all marketing sends, and retain only the minimum suppression data needed to prevent re-adding you. Unsubscribing does not cancel any insurance policy — to cancel cover, please contact us directly.

11. Children's privacy

The Website is intended for adults and we do not knowingly collect personal information from children under 13 (or the equivalent minimum age in your jurisdiction). If you believe a child has provided us with personal information, contact us and we will delete it promptly. Information you provide about dependants when applying for family cover is processed under your instructions and authority as the policyholder.

12. Third-party websites

The Website contains links to third-party sites, including carrier portals, social media platforms and mapping services. We are not responsible for the privacy practices or content of those sites and encourage you to read their policies before submitting any personal information.

13. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in law, technology or our services. The effective and review dates at the top of this page show when it was last changed. Material changes will be highlighted on the Website and, where you are a subscriber or client, notified by email. Continued use of the Website after a change constitutes acceptance of the revised policy.

14. How to contact us

If you have any questions about this Privacy Policy, our data practices, or a privacy request, please contact us:

• Family Cover Insurance
  2425 14th Ave S, Minneapolis, MN 55404, USA
• Phone: +1 612-338-7845
• Email: contact@familycoverinsurance.com
• Hours: Monday – Friday 8:30 AM – 6:30 PM, Saturday 10:00 AM – 3:00 PM (Central Time)