Effective Date: November 1, 2026
1. Introduction
Allcoverage Insurance, LLC ("Allcoverage Insurance," "we," "us," or "our") is committed to protecting the privacy and confidentiality of our clients and website visitors.
This Privacy Policy explains how we collect, use, maintain, disclose, and protect personal information when you visit our website, submit an online form, schedule an appointment, communicate with our agency, or use our insurance services.
2. Information We Collect
Depending on the services requested, we may collect:
Contact Information: Name, telephone number, email address, mailing address, and other contact details.
Insurance Information: Current coverage, insurance carrier, policy details, enrollment status, coverage preferences, and renewal information.
Application Information: Date of birth, household composition, dependents, estimated income, and other information necessary to assist with insurance eligibility or enrollment.
Sensitive Information: Health-related, financial, or identification information when necessary for authorized insurance services.
Communication Information: Appointment requests, customer service inquiries, messages, call records, and communication preferences.
Website Information: IP address, browser type, device information, cookies, and website usage information.
We collect information directly from you and, when authorized or otherwise permitted by law, from insurance carriers, enrollment platforms, and service providers.
3. How We Use Your Information
We use personal information to:
Provide insurance quotes, assistance, and enrollment services.
Process authorized insurance applications and renewals.
Assist with ACA Marketplace, Medicare, life, dental, vision, and other insurance products.
Schedule appointments and provide confirmations and reminders.
Communicate about policy renewals, enrollment deadlines, and customer service matters.
Respond to questions and service requests.
Send marketing or promotional communications when appropriate consent has been obtained.
Maintain records, protect our systems, and comply with applicable laws and regulatory requirements.
4. SMS Text Messaging and Consent
Allcoverage Insurance may offer text messaging for appointment confirmations, appointment reminders, insurance renewal communications, enrollment updates, customer service, and promotional communications.
We distinguish between non-marketing and marketing text messages.
Non-Marketing Messages: These may include appointment confirmations, reminders, requested insurance service updates, policy renewal communications, and responses to customer inquiries.
Marketing Messages: These may include promotional announcements, information about insurance products and services, and special offers.
Where consent is required, we obtain it before sending applicable text messages.
Message frequency varies. Message and data rates may apply.
You may reply STOP to opt out of text messages or HELP for assistance.
You may also contact us at 678-456-5563 or [email protected].
Consent to receive marketing text messages is not a condition of purchasing insurance products or services.
Opting out of SMS communications does not automatically cancel an insurance policy, enrollment application, or appointment.
5. Mobile Information Privacy
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Information sharing with service providers supporting our operations, including customer service and text messaging delivery, is permitted only as necessary for those services and subject to applicable privacy and confidentiality requirements.
Text messaging opt-in data and consent will not be shared with third parties for their own marketing or promotional purposes.
6. Sharing and Disclosure of Information
We do not sell or rent personal information to third parties for their independent marketing purposes.
We may disclose information when reasonably necessary and permitted by law to:
Insurance carriers and authorized enrollment platforms.
Government agencies or Marketplace systems involved in authorized applications.
Technology, communication, and administrative service providers acting on our behalf.
Professional advisers and regulatory authorities when appropriate.
Other parties when you authorize disclosure or when disclosure is legally required.
We take reasonable steps to limit disclosures to information necessary for the applicable purpose.
7. Data Security and Retention
We maintain reasonable administrative, technical, and organizational safeguards intended to protect personal information from unauthorized access, use, alteration, or disclosure.
We retain information as necessary to provide services, satisfy applicable recordkeeping obligations, resolve disputes, and meet legal or regulatory requirements.
No electronic transmission or storage system can be guaranteed completely secure.
8. Automated Communications and Technology
Allcoverage Insurance may use automated systems, including virtual receptionists, scheduling tools, and customer relationship management software, to assist with communications and administrative services.
Where applicable, calls may be recorded for quality assurance, training, documentation, or customer service purposes, subject to applicable law.
Automated systems do not replace licensed insurance professionals when licensed advice or enrollment assistance is required.
9. Your Privacy Choices
You may contact us to request access to, correction of, or deletion of personal information, subject to applicable laws and record-retention requirements.
You may unsubscribe from marketing emails using the unsubscribe instructions provided.
You may opt out of text messaging by replying STOP.
You may manage cookies through your browser settings.
10. Children's Privacy
Our website is not directed to children under age 13. We do not knowingly solicit personal information directly from children under 13 without appropriate authorization.
Information about dependents may be collected from parents, guardians, or authorized applicants when necessary for insurance services.
11. Third-Party Websites and Services
Our website may contain links to insurance carriers, enrollment platforms, scheduling systems, or other third-party services.
These third parties may maintain their own privacy practices. We encourage you to review their policies before providing information.
12. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our business practices, technology, services, or legal requirements.
Updates will be posted on our website with a revised effective date.
13. Contact Information
Allcoverage Insurance, LLC
Mailing Address: PO Box 1097, Conley, GA 30288
Phone: 678-456-5563
Email: [email protected]
Website: www.allcoverageus.com
For questions regarding this Privacy Policy or your personal information, please contact our office.