Privacy Policy

Introduction

This Privacy Policy applies to all information collected through our website, mobile application, phone communications, and other services provided by MyFinalCoverage.

By using our services, you consent to the data practices described in this policy. If you do not agree with this policy, please do not use our website or services.

Information We Collect

We collect several types of information from and about users of our services:

Personal Information

When you apply for coverage or contact us, we may collect:

• Name, address, phone number, and email address
• Date of birth and Social Security number
• Health information and medical history
• Financial information for payment processing
• Beneficiary information
• Driver's license or other identification

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and browser type
• Device information and operating system
• Pages viewed and links clicked
• Date and time of visits
• Referring website addresses

Information from Third Parties

We may receive information about you from:

• Insurance carriers and underwriters
• Credit reporting agencies
• Medical information bureaus
• Public records and databases

How We Use Your Information

We use the information we collect for the following purposes:

To Provide Our Services

• Process and evaluate your insurance application
• Underwrite and issue insurance policies
• Administer your policy and process claims
• Communicate with you about your coverage
• Process payments and billing

To Improve Our Services

• Analyze usage patterns and trends
• Enhance user experience on our website
• Develop new products and services
• Conduct research and analytics

To Communicate With You

• Send policy documents and updates
• Respond to inquiries and provide customer support
• Send important notices and alerts
• Provide information about products and services (with your consent)

To Comply With Legal Obligations

• Meet regulatory and reporting requirements
• Prevent fraud and protect against security threats
• Enforce our terms and conditions
• Respond to legal processes and government requests

How We Share Your Information

We may share your information with the following parties:

Insurance Carriers

We share your application information with insurance carriers for underwriting and policy issuance. These carriers are bound by strict confidentiality requirements and privacy laws.

Service Providers

We work with trusted third-party service providers who assist us in:

• Payment processing
• Data storage and hosting
• Customer relationship management
• Marketing and analytics
• Customer support services

These providers are contractually obligated to protect your information and use it only for the purposes we specify.

Legal and Regulatory Authorities

We may disclose information when required by law or to:

• Comply with legal processes (subpoenas, court orders)
• Respond to government requests
• Protect our rights and property
• Investigate fraud or security issues
• Protect the safety of our users or the public

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website.

What Are Cookies?

Cookies are small text files stored on your device that help us recognize you and remember your preferences.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly
• Performance Cookies: Help us understand how visitors use our site
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Track your browsing to deliver relevant ads

Managing Cookies

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

Data Security

We take the security of your personal information seriously and implement various measures to protect it:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure servers and data centers with physical security controls
• Access controls and authentication procedures
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy
• Incident response and breach notification procedures

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but maintain industry-standard practices.

Your Privacy Rights

You have certain rights regarding your personal information:

Access and Portability

You have the right to request access to the personal information we hold about you and receive a copy in a portable format.

Correction

You can request that we correct inaccurate or incomplete information.

Deletion

You may request deletion of your personal information, subject to legal and contractual obligations to retain certain data.

Opt-Out of Marketing

You can opt out of receiving marketing communications at any time by:

• Clicking the unsubscribe link in our emails
• Contacting us directly at [email protected]
• Calling us at (504) 203-6540

State-Specific Rights

Residents of certain states (including California, Virginia, Colorado, and others) may have additional privacy rights under state law. Please contact us to exercise these rights.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date at the top of this policy
• Sending you an email notification for significant changes

Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: [email protected]
• Phone: (504) 203-6540
• Mail: MyFinalCoverage, 4219 Magnolia St New Orleans LA 70115

We will respond to your inquiry within 30 days.