Privacy Policy

Last Updated: April 21, 2020

Covered by SAGE, Inc. ("us", "we", or "our" operates the www.coveredbysage.com website (the "Service"). The “Service” collectively includes the website at www.coveredbysage.com (the “Website”), and all associated websites linked to www.coveredbysage.com by Covered by SAGE, its subsidiaries and affiliates.

This page informs you of our policies regarding the collection, use, disclosure, and storage of personal data (also referred to as “personal information”) when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms of Use, accessible from www.coveredbysage.com

This policy applies to information we collect:

- On the Website

- In email, text, online forms, and other electronic messages between you and the Website.

- Data we collect from online platforms with our official presence (Facebook, LinkedIn, Google)

It does not apply to information collected by:

- Us offline or through any other means;

- Any third party, including through any application or content that may link to or be accessible from the Website (not mentioned above).

Collection and Use of Personal Information

We collect several types of information from users of our Website, including information:

- by which you may be personally identified, such as name, postal address, e-mail address, and telephone number (“personal information”);

- that is about you but individually does not identify you, such as the type of insurance you are looking to purchase, client testimonials, and any additional non-personal information you may provide in applying to become a Covered by SAGE Producer or Agent or for a career at Covered by SAGE; and/or

- about your internet connection, your location, the equipment you use to access our Website, and usage details.

This information is collected in three ways:

(1) directly from you when you provide it to us;

(2) automatically as you navigate through the site (e.g. usage details, IP addresses and information collected through cookies and other tracking technologies); and

(3) from third parties, for example, our business partners.

This information may include:

- Information that you provide by filling in forms on our Website. This includes information provided when requesting an insurance quote, requesting information about an insurance policy, applying for a career at Covered by SAGE, or applying to become a Covered by SAGE insurance Producer or Agent.

- Your responses to surveys that we might ask you to complete for research purposes.

- Records and copies of your correspondence (including e-mail addresses), if you contact us.

As you navigate through and interact with our Website, we may use technologies to collect:

- Information about your computer and internet connection, including your IP address, operating system and browser type.

- Certain statistical information about your equipment, browsing actions and patterns, including traffic data, location data, and other communication data and the resources that you access and use on either Website.

The information we collect automatically is statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways. This helps us to improve our Website and to deliver a better and more personalized service.

The technologies we use for automatic data collection may include cookies (or browser cookies) and flash cookies. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see section below titled Choices About How We Use and Disclose Your Information.

Children's Privacy

Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18.

If you are under 18, do not use or provide any information on our Service or provide any information about yourself to us, including your name, address, telephone number, e-mail address, or interests.

If you are a parent or guardian and you are aware that your Children have provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

If you believe we might have any information from or about a child under 18, please contact us.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information tracking technologies and advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site maybe inaccessible or not function properly.

Use of Data

Covered by SAGE, Inc. uses the information collected about you or provided by you for various purposes:

- To provide and maintain the Service

- To notify you about changes to our Service

- To provide analysis or valuable information so that we can improve the Service

- To allow you to participate in interactive features of our Service when you choose to do so

- To provide customer care and support

- To monitor the usage of the Service

- To detect, prevent and address technical issues

- To fulfill any other purpose for which you provide it

- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Covered by SAGE, Inc. will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

We may disclose personal information that we collect or you provide as described in this privacy policy:

-To our subsidiaries and affiliates.

-To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

-To fulfill the purpose for which you provide it or with your consent.

-To comply with any legal obligation such as court order, law or legal process, including to respond to any government or regulatory request.

- For any other purpose disclosed by us when you provide the information.

- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Covered by SAGE’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Covered by SAGE’s about our Website users is among the assets transferred.

- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Covered by SAGE, our clients, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

-To prevent or investigate possible wrongdoing in connection with the Service.

-To protect against legal liability.

Disclosure is done in the good faith belief that such action is strictly necessary.

Security of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls. All information is encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is never completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted via our Website. Any transmission of personal information is at your own risk.

Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Accessing and Correcting Your Information

You can review and change your personal information by sending us an e-mail at info@coveredbysage.com to request to correct or delete any personal information that you have provided to us. We reserve the right to refuse a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes and are responsible for staying up-to-date with any changes to the privacy policy, as applicable to you and your data. Changes to this Privacy Policy are effective when they are posted on this page.