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Privacy Policy

Coverage by Kay LLC - Privacy Policy and Terms & Conditions

Privacy Policy

Effective Date: January 21, 2025

Coverage by Kay LLC ("we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services, including opting in to receive SMS (text) messages.

Our Policy Is Clear:


We are committed to protecting your privacy. Mobile information, including phone numbers and other related data, will not be shared with third parties for marketing or promotional purposes under any circumstances. Your data will not be transferred to external organizations.
 

  • Your data, including mobile information, will not be transferred to external organizations.

  • We do not share your data with third-party service providers or government agencies.

  • We prioritize your privacy and adhere to strict data protection standards.

  • For any questions or concerns regarding our privacy practices, please contact us at support@coveragesbykay.com or visit https://www.coveragesbykay.com.

Information We Collect

When you opt in to receive SMS messages or interact with our services, we may collect the following personal information:

  • Your phone number

  • Your name and email address

  • Your consent to receive SMS communications

  • Your communication preferences and history

  • Insurance-related information tied to your policy or account

  • IP address or general location data (automatically collected through online forms)

How We Collect Your Information

  • Online forms (e.g., quote requests, appointment scheduling)

  • Verbal agreement during phone calls

  • Texting opt-in keywords such as START or QUOTE

  • Initiated client contact via SMS, email, or website

  • Secure client onboarding platforms (e.g., Jotform, Wix Forms)

How We Use SMS Communications

If you opt in to receive SMS messages, we use your information to:

  • Send appointment confirmations or scheduling reminders

  • Notify you of policy renewals, coverage updates, or required actions

  • Provide claims guidance or document requests

  • Respond to service questions or support needs

  • Deliver relevant service updates that help you stay informed about your insurance

Message frequency varies based on your engagement and policy needs (typically 1–4 messages per month). Message and data rates may apply.

Opt-Out Instructions

You may opt out of receiving SMS messages from us at any time by replying STOP or UNSUBSCRIBE to any message you receive.

To request help or more information, reply HELP or INFO at any time.

Your Rights Under California Law (CCPA/CPRA)

If you are a California resident, you have the following rights:

  • Right to Know: Request information about the personal data we collect and how we use it.

  • Right to Access: Request a copy of your personal data.

  • Right to Correct: Request that we correct inaccurate information.

  • Right to Delete: Request that we delete your personal information, subject to lawful exceptions.

  • Right to Opt-Out of Data Sale or Sharing: We do not sell your data.

To submit a data request, email support@coveragesbykay.com or submit a form at https://www.coveragesbykay.com.

Policy Updates

We may update this Privacy Policy from time to time. Material changes will be posted on our website and, where appropriate, notified via SMS or email. Please review this page periodically to stay informed.

Terms & Conditions

Effective Date: January 21, 2025

By accessing our website or opting into our SMS services, you agree to the following Terms and Conditions:

SMS Messaging Service

By providing your phone number and opting in, you consent to receive SMS messages from Coverage by Kay LLC related to your insurance services, including appointment confirmations, policy reminders, account notifications, and claims updates. These messages are service-related and not marketing-based unless you explicitly opt in for marketing.

Message Frequency

Message frequency varies depending on your account activity. Clients may receive 1–4 messages per month or more during periods of active service.

Message and Data Rates

Message and data rates may apply according to your wireless carrier’s plan. By opting in, you accept all charges that may be incurred through SMS communication.

Cancellation / Opt-Out Instructions

You may opt out of SMS messages at any time by replying STOP or UNSUBSCRIBE to any message you receive. Upon opting out, you will receive a single confirmation message and no further messages will be sent unless you re-enroll.

Help / Customer Support

For assistance, reply HELP to any message or contact us at support@coveragesbykay.com.

Liability

Coverage by Kay LLC is not responsible for delays in SMS delivery, undelivered messages, service interruptions, or charges incurred due to carrier fees or third-party providers.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will become effective immediately upon posting.

Contact Information

For questions about our Privacy Policy or Terms & Conditions, please contact us:

Thank you for trusting Coverage by Kay LLC.

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