1 Introduction
USA Cover Hub ("we," "our," or "us") is an independent insurance agency licensed in all 50 states. We operate the website usacoverhub.com (the "Site") and related services that connect consumers with insurance carriers and home-service providers.
We are committed to protecting your privacy. This Privacy Policy explains what personal information we collect, how we use and share it, your rights, and how to contact us with questions or requests. Please read it carefully before submitting any information through our Site.
2 Scope of This Policy
This Policy applies to personal information collected through:
- The usacoverhub.com website and any sub-domains;
- Our quote-request and lead-generation forms;
- Telephone calls, emails, and text messages you initiate with us or that we initiate with your consent;
- Any other interaction you have with USA Cover Hub.
This Policy does not apply to the privacy practices of insurance carriers, home-service providers, or other third parties to whom we may refer or transfer your information. We encourage you to review those parties' privacy policies before doing business with them.
3 Information We Collect
3.1 Information You Provide Directly
When you submit a quote request or contact us, we collect:
- Identifiers: first name, last name, email address, phone number;
- Demographic information: date of birth, zip code;
- Insurance-related information: current insurance status and the type of coverage you are seeking (e.g., ACA Health, Final Expense, Auto, Home Services, SSDI);
- Communications: the content of any messages, emails, or calls you send or have with our agents.
3.2 Information Collected Automatically
When you visit the Site, we and our service providers may automatically collect:
- Device and browser information: IP address, browser type and version, operating system;
- Usage data: pages viewed, links clicked, time spent on pages, referring URL;
- Cookies and similar tracking technologies (see Section 7 below);
- TrustedForm certificate data: we use ActiveProspect's TrustedForm script to document your consent to be contacted, including a timestamp, IP address, and a recording of the page session at the time of form submission.
3.3 Information from Third Parties
We may receive information about you from:
- Marketing and lead-generation partners who refer visitors to our Site;
- Insurance carriers or home-service providers who confirm or supplement quote information;
- Publicly available sources or data brokers used to verify or enhance contact records.
4 How We Use Your Information
We use the personal information we collect for the following purposes:
- To process and respond to your quote requests and connect you with appropriate insurance carriers or service providers;
- To contact you by phone, text message (SMS), email, or mail about insurance products, home services, and SSDI benefits you may qualify for;
- To verify your identity and prevent fraud;
- To improve and personalize the Site and our services;
- To comply with legal obligations, including state insurance licensing requirements;
- To enforce our Terms of Use and other agreements;
- To communicate administrative information such as changes to this Policy or our services;
- For internal analytics, research, and reporting to understand how our services are used.
5 How We Share Your Information
5.1 Insurance Carriers and Service Providers
When you submit a quote request, we share your information with one or more insurance carriers, home-service providers, or licensed agents who may offer you products or services responsive to your inquiry. These parties may contact you independently and are governed by their own privacy policies.
5.2 Service Providers Acting on Our Behalf
We engage third-party vendors to assist us with site hosting, form processing, call center operations, analytics, consent documentation (e.g., ActiveProspect / TrustedForm), and marketing. These vendors are contractually restricted to using your information only to perform services for us.
5.3 Business Transfers
If USA Cover Hub is involved in a merger, acquisition, financing, or sale of business assets, your information may be transferred as part of that transaction. We will notify you via the Site or email before your information is transferred and becomes subject to a different privacy policy.
5.4 Legal Obligations and Safety
We may disclose your information when required by law, court order, or government authority, or when we believe disclosure is necessary to protect the rights, property, or safety of USA Cover Hub, our customers, or the public.
5.5 With Your Consent
We may share your information for any other purpose with your explicit consent.
5.6 What We Do Not Do
6 Consent to Be Contacted
By submitting the quote-request form on our Site, you expressly consent to being contacted by USA Cover Hub and its carrier and service-provider partners regarding insurance products and related services. This consent covers contact by:
- Telephone (including calls made using automated telephone dialing systems or artificial or pre-recorded voices);
- Text message (SMS/MMS), including automated text messages;
- Email;
- Direct mail.
Your consent is not a condition of purchasing any product or service. If you wish to revoke consent to calls or texts, you may reply STOP to any SMS message or call us at the number listed in Section 12. Revoking consent may affect our ability to provide you with quotes and services.
7 Cookies and Similar Technologies
We use cookies, web beacons, pixels, and similar technologies to operate and improve the Site, recognize returning visitors, measure advertising effectiveness, and for security purposes.
Types of cookies we use:
- Strictly necessary cookies: required for the Site to function (e.g., form session state);
- Analytics cookies: help us understand how visitors interact with the Site (e.g., Google Analytics);
- Marketing/advertising cookies: used to measure campaign performance and serve relevant ads;
- TrustedForm tracking: session recording for consent documentation purposes.
You can control cookies through your browser settings. Note that disabling certain cookies may affect Site functionality. For opt-out options related to interest-based advertising, visit the Digital Advertising Alliance or the Network Advertising Initiative.
8 Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, comply with applicable law (including state insurance regulations that may require retention of customer records), resolve disputes, and enforce agreements. When information is no longer needed, we delete or anonymize it in accordance with our data retention schedule.
9 Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security.
If you have reason to believe your interaction with us is no longer secure, please contact us immediately using the information in Section 12.
10 Your Privacy Rights
10.1 California Residents (CCPA/CPRA)
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):
- Right to Know: request disclosure of the categories and specific pieces of personal information we have collected about you, and how we use and share it;
- Right to Delete: request deletion of personal information we hold about you, subject to certain exceptions;
- Right to Correct: request correction of inaccurate personal information;
- Right to Opt-Out of Sale or Sharing: opt out of the sale or sharing of your personal information for cross-context behavioral advertising;
- Right to Limit Use of Sensitive Personal Information: limit our use of sensitive personal information;
- Right to Non-Discrimination: we will not discriminate against you for exercising your CCPA rights.
To exercise these rights, submit a request using the contact information in Section 12. We will respond within 45 days as required by law.
10.2 Other State Privacy Rights
Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA), and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and opt out of certain processing of their personal information. Please contact us to exercise any applicable state privacy rights.
10.3 Opt-Out of Marketing Communications
You may opt out of receiving marketing emails from us by clicking the unsubscribe link in any marketing email. You may opt out of marketing calls or texts as described in Section 6. Note that we may still send you transactional or service-related communications.
11 Children's Privacy
Our Site and services are not directed to children under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will delete that information.
12 Contact Us
For questions, concerns, or to exercise your privacy rights, please contact us:
13 Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we update the Policy, we will revise the "Last Updated" date at the top of this page. For material changes, we may also provide additional notice (such as a banner on our Site or an email notification). Your continued use of the Site after any changes constitutes your acceptance of the updated Policy.