Privacy Policy

We appreciate your trust in DependableCoverage.co (“Website,” “Site,” or “Service”). DependableCoverage.co is owned and operated by Dependable Coverage LLC (“we,” “us,” or “our”), certified by Nino Palermo LLC. This privacy policy (“Privacy Policy”) outlines the information we collect when you use our website and services (“Services”). We detail how we handle, store, transfer, and in some cases, share the information provided by users. By accessing or using the Site or any of our Services, you are acknowledging your agreement with the terms of this Privacy Policy and the “Terms & Conditions of Use” (“Terms & Conditions”) governing your use of the Site and Services. The Privacy Policy is an integral part of the Terms & Conditions, and if you disagree with either, please refrain from using our Site and Services.

INFORMATION WE COLLECT

We may collect personal information when you create an account on our Website, request information about our Services or products, place an order for Services, sign up for any information about our Services, or provide information for the purposes of identity verification and fraud prevention.

This personal information encompasses, but is not limited to: name, address, date of birth, phone number, email address, height, weight, social security number, personal and family health information, and similar information about family members and dependents.

COOKIES

If you leave a comment on our site, you may choose to save your name, email address, and website in cookies. These cookies are intended for your convenience, eliminating the need to re-enter your information when leaving another comment, and they remain active for one year.

Visiting our login page triggers the setting of a temporary cookie, which serves to determine whether your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

Upon logging in, we establish several cookies to save your login information and your screen display preferences. Login cookies persist for two days, while screen options cookies remain active for a year. Selecting “Remember Me” allows your login to persist for two weeks. Upon logging out of your account, the login cookies are removed.

EMBEDDED CONTENT FROM OTHER WEBSITES

Our articles may incorporate embedded content (e.g. videos, images, articles, etc.) from other websites. Embedded content from these external sources behaves as if the visitor had visited the other website directly.

These external websites might collect data, employ cookies, embed additional third-party tracking, and monitor your interactions with the embedded content if you have an account and are logged in on their site.

You can choose to disable all cookies via your browser settings; however, this may result in some features of our Site not functioning as expected.

DATA RETENTION

If you leave a comment, both the comment and its metadata are retained indefinitely. This ensures that we can automatically recognize and approve follow-up comments without the need for manual moderation.

For users who register on our website, we also store the personal information provided in their user profile. Users possess the ability to access, edit, or delete their personal information at any time, excluding the username, which cannot be changed. Website administrators also hold the capability to view and modify this information.

YOUR RIGHTS OVER YOUR DATA

If you have an account on our site or have left comments, you can request an exported file containing the personal data we hold about you. This includes data you have provided to us. Additionally, you can request the removal of any personal data we have. Legal, administrative, or security obligations may require the retention of certain data, but we are dedicated to fulfilling your requests to the extent possible.

INFORMATION SHARING & SELLING

We are committed to not using or sharing your personally identifiable information with parties not engaged in a business relationship with us.

To assist us in providing our Services, we may engage third-party vendors. These vendors may help us monitor and analyze Site activity, manage operations and marketing, host the Site, and maintain our database. It is possible that some of these service providers are located outside the United States, and we may share your personal information with them only as necessary for the performance of their functions and to the extent permitted by law. Their use of your personal information is governed by their individual privacy policies and procedures, not by this Privacy Policy.

We reserve the right to disclose your personal information to the extent required by law, valid court order, or subpoena, as well as to cooperate with law enforcement or other governmental investigations, without the necessity for the law enforcement or government agency requesting the information to serve us with a formal subpoena. We may also disclose such information when it is believed to be necessary or advisable, for instance, to safeguard our rights, property, or the safety of us or others. Any report of such activities will be made without prior notice to you, and you consent to such disclosure by us.

HOW WE PROTECT YOUR DATA

We implement security measures to ensure the safety of your personal information when you enter or submit it. We follow industry standards to protect the information submitted to us, both during transmission and after we receive it. It is important to note that while we make all commercially reasonable efforts to protect your personal information, no method of transmission over the Internet or electronic storage can guarantee 100% security. Therefore, while we strive to protect your personal information, we cannot ensure the security of any information you transmit to us, and you provide this information at your own risk. Once we receive your personal information, we take all necessary steps to ensure its security within our systems. Please acknowledge that LHG is not liable for any security breaches resulting from its actions or inactions, or those of any third-party host.

THIRD-PARTY DATA

We may receive information about you and your activities, both on and off the Site, from third-party partners. This could include information from a partner when we jointly offer services or from an advertiser regarding your experiences or interactions with them.

HOW WE USE INFORMATION

We collect the information outlined in this Privacy Policy to provide you with the best possible experience concerning health insurance. This information is used to support and provide our Services. Possible uses include:

Provision of the Services, including offering accurate product recommendations and quotes.

Assisting with first-and-third-party underwriting.

Offering information for applications.

Providing or offering insurance, financial, and consumer products and services, potentially from third parties.

Maintaining and enhancing customer service.

Personalizing your experience with the Services to match your interests.

Developing and improving the Site and Services.

Responding to your inquiries.

Communicating with you regarding your purchases or other related topics.

We may also aggregate your information with data from our other users for benchmarking and analysis purposes.

By submitting your personal information to us, you consent to its use as outlined above and to its transfer to our partners or other individuals or entities engaged to provide Services in connection with your insurance inquiry. Artificial voice or message calls to your residential phone or an automatic telephone dialing system to your mobile phone with the intent to offer or market our products or Services to consumers

QUESTIONS

If you have any questions, or would like additional information about the Privacy Policy, please email us at david@dependablecoverage.us.