Privacy Policy
Last updated: June 17, 2024
Introduction
This Privacy Policy is provided by District Cover, Inc., District Cover, Inc. d/b/a District Cover Insurance Services (in New York), District Cover, Inc. d/b/a District Insurance Services (in California) and its affiliates (“District Cover, we, us, our”). In order for our websites (the “Platform”), applications (online or mobile), products, and/or services (collectively, “Services”) to function properly, we collect, use, store, disclose or otherwise process information, including personal information about individuals ("you" or "your") who use, access, or enroll in our Services.
We are committed to protecting your privacy and we want you to understand what personal information we collect and how we use it. We also want you to understand the options that you have regarding our collection, use, and disclosure of, as well as your ability to access and correct such information. As an insurance agency, we are required to adhere to certain local regulations, including United States (U.S.) federal and state laws that protect your information and our use and disclosure of it.
Our Services are directed towards our business customers and potential customers. They should not be used for personal, family, or household purposes. We treat all personal information covered by this Privacy Policy as pertaining to individuals acting as business representatives, rather than in their personal capacity.
This Privacy Policy is incorporated as part of the Terms of Use located at www.districtcover.com/legal/terms that apply to your use of our Services. When you use our Services, you acknowledge that you have accepted the Terms of Use and this Privacy Policy without exception. If you do not agree to our Terms of Use, please do not access or otherwise use our Services or provide any personal information.
If you have any privacy or data use concerns involving our Services, please contact us at help@districtcover.com or as further set out below under the “Contact Information” section.
Policy Application
This Privacy Policy applies to all of our Services and communications provided to you by us and information provided to us by: (i) visitors to our Platform, and (ii) users of our Services (i.e. policyholders, insurance agents and brokers, and subscribers to or users of any of our Services). This Privacy Policy does not apply to our users' websites, applications, or other systems or any third party websites or applications that may be linked from our Services; linking to them does not imply an endorsement. We are not responsible for these websites or applications or any information that they may collect. You should always review the privacy policy of any third party website or application that collects your personal information. See the “Third Party Providers” section below for more information.
Our Services are not intended for, nor designed to attract, individuals under the age of majority in their jurisdiction of residence. We do not knowingly collect personal information from any person who is under the age of majority in their jurisdiction of residence. If it comes to our attention through reliable means that a registered user is under the age of majority in their jurisdiction of residence, we will cancel that user's account and/or access to our Services.
What Information Do We Collect and How Do We Get It?
When you use our Services, we may collect a variety of information that will aid us in providing our Services to you, including quoting and servicing your insurance policy. This information includes "nonpublic personal information", which is all information that identifies you and is not available to the general public or information that is not publicly available information as prescribed by applicable law. We also collect information through the insurance policy application process, your communications with us, your transactions on our Platform, and your use of our Services. The information we collect and how that information is used depends to a certain extent on how you use our Services.
We may collect the below types of personal information:
Name;
Mailing address;
Email address;
Phone number(s);
Password;
Corporate information
Web address or domain name(s);
Job title and other occupational information;
Former insurance information, including payment and claims history;
Information in relation to an insurance claim, including information obtained in the investigation thereof;
Insurance coverage information, including endorsements;
Billing information, credit card or banking information, or other preferred payment means; however, we do not store full credit card numbers of personal account numbers (“PANs”); and
Content you create, upload, communicate to or receive from us when using our Services, including text, emails, photos, videos, audiovisual content, documents, spreadsheets, and comments/chats you make on any District Cover Platform or blog.
Platform Usage
Like most online web services, when you use our Platform, we may automatically collect certain information about your visit and store it in our server logs about the use of our Services, including: the number of unique visitors; the frequency of visits; how users interact with our Services; user experience preferences; files, such as the app or website and/or search criteria that led you to our Services; your Internet Protocol address ("IP address"), Unique Device Identifier (UDID), or other device address or ID; device type; operating system; browser information; what pages you visit when using our Services; and the web pages or sites that you visit just before or just after using our Services. This information may be collected to help us improve the user experience, improve our Services, and/or mitigate fraudulent activity. We do not link this automatically-collected data to other personal information we collect about you.
Blogs Posts and Testimonials
Our Platform offers publicly accessible blogs. You should be aware that any information you provide in these areas may be collected, read and used by others who access them so care should be taken when posting any personal information. To request removal of your personal information from our blog, please contact us at help@districtcover.com or as further set out below under the “Contact Information” section. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
From time to time, we may collect and display personal testimonials of satisfied customers on our Platform in addition to other endorsements. Where you have consented, we may post your testimonial along with your name and employer name. If you wish to update or delete your testimonial, please contact us at help@districtcover.com or as further set out below under the “Contact Information” section.
Cookies and Tracking Technologies
District Cover and our partners (such as our marketing partners), affiliates, analytics providers, and/or service providers use technologies such as cookies, beacons, tags, and scripts to analyze trends, administer our Services, track users' movements around the Platform, and to gather demographic information about our user base as a whole.
Information from Referrals
If you choose to use our referral service to tell someone about our Services, we may collect a name and email address from you. We will automatically send them a one-time invitation email to visit the Platform and provide your name as the person who made the referral, and a one-time reminder if permitted by applicable law. We store this information for the sole purpose of sending the invitation and reminder email (if applicable), and for tracking the success of our referral program. Any recipient of an invitation may contact us at help@districtcover.com if they believe that their personal information has been provided to us improperly, or to request that we remove this information from our database. In using our referral service, you represent that you have obtained the necessary consents to provide us with personal information relating to other individuals and acknowledge that it may be used in accordance with this Privacy Policy.
Use of Third Party Accounts, Features and Links in Connection with our Services
We may, now and/or in the future, allow you to link your account on the Platform to your account(s) on third party services, such as social networking sites ("Linked Accounts"). If you link your account on the Platform to Linked Accounts, you are authorizing us to store and use your access credentials to access your Linked Accounts on your behalf as your agent to integrate your experience with the Platform with content, information, and/or features available through such Linked Accounts. This may include importing certain information of the Linked Accounts, and/or pushing updates regarding your use of our Services out to your Linked Accounts. The information we receive when you link your account through a third party service depends on the settings, permissions, and privacy policy controlled by the Linked Accounts. Linking, accessing, or using a third party service through the Platform in this manner may be subject you to additional terms and privacy policies established by the applicable third party, and it is your sole responsibility to comply with such third party terms and familiarize yourself with such privacy policies.
If available in the future and if you download a mobile version of the Platform via the App store or Google Play, you may be subject to usage terms set forth by Apple, Inc or Google, Inc, respectively. Our Platform may also include links to or provide the ability to connect with other websites and applications (“Third Party Sites”). Our Platform may also include social media features such as the Facebook “Like” button, and widgets such as the “share this” button or other interactive mini-programs that run on our Platform. These features may collect your IP address and/or which page you are visiting on our Platform, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by Third Party Sites or hosted directly on our Platform.
Our Platform may also offer publicly accessible community forums managed by Third Party Sites that may require you to register to post a comment. We do not have access to or control of the information posted to the community forum. You will need to contact or login into the third party application if you want to access or remove the personal information that was posted or collected related to these forums.
Your interactions and any personal information that you submit via Linked Accounts, Third Party Sites or other features of these Third Party Sites are governed by the privacy policy of companies that are not controlled by us. Therefore, their terms of use and/or their privacy policy may differ from the terms of this Privacy Policy. You are encouraged to review the privacy policy of any Third Party Sites that you visit or engage with.
Audio, Visual and Similar Information Collection
Certain applications that are part of our Services may provide you with the ability to upload or share videos, photos, or the category, name or nickname attached to those data elements which, in turn, we may collect, access or store.
In addition to the information we collect from you directly, we may also collect information (as listed above) about you from other sources, including trusted partners, marketing parties, business partners, security partners, our affiliates, or publicly accessible sources as permitted by applicable law so that we can improve the user experience, mitigate fraud or malicious activity, and/or comply with internal company and external regulatory requirements.
Password Management and Security
Certain of our Services used via our Platform allow you to share your password with the application for safekeeping. Any passwords that you share are not visible by, transmitted to, or stored by us in clear text. They may be saved on your device, with only an encrypted code sent to us for which we do not have the encryption key.
The Ways District Cover Uses Information
We use the information you provide or we collect in connection with our Services to:
Provide or fulfill our Services to you;
Establish and verify your identity;
Handle and resolve billing transactions;
Activate, maintain and service your account or an insurance policy;
Develop, operate, maintain, and enhance our Services now and in the future;
Communicate with you about our Services, including by sending announcements, updates, security alerts, and support and administrative messages;
Offer updates, notices, and other information, including marketing and promotional materials related to our products, Services, sales, or promotions, or those of our affiliates and business partners we believe will be of interest to you, as further described in the “Communications with District Cover” section below, where permissible according to applicable law. (Note: at any time, you may choose to withdraw your consent to our use or disclosure of your personal information for marketing and promotional purposes by contacting us at help@districtcover.com or as further set out below under the “Contact Information” section);
Respond to your questions, inquiries, comments and instructions;
Enforce the applicable Terms of Use;
Track and analyze de-identified data and provide such data to third-parties that provide services to us;
Personalize our Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Services;
Provide customized third party advertisements, content, and information in accordance with applicable law;
Monitor and analyze the effectiveness of our Services and third party marketing activities;
Monitor aggregate Platform usage metrics such as total number of visitors and pages viewed;
Protect our, your, or others’ rights, privacy, safety or property, including by making and defending legal claims;
Facilitate audit of our internal processes for compliance with legal and contractual requirements and internal policies;
Enforce the terms and conditions that govern our Services;
Prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft:
Assist you and your employer respond to a cyber incident; and
Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities as permitted by applicable law.
Communications with District Cover
If you are a District Cover policyholder or user of our Services, we may contact you regarding your policy (as applicable), such as billing notices and confirmations of changes, by mail or through email. We will also use your email address to provide you with updates about our products and Services in accordance with applicable law. We may also contact you by phone regarding timely matters such as late payment or other factors that might affect your policy or use of our Services.
When you register for an account, we will use your name and email address to send periodic emails to you of both promotional and transactional nature in accordance with applicable law. You may choose to stop receiving promotional emails by following the unsubscribe instructions included in these emails or please contact us at help@districtcover.com or as further set out below under the “Contact Information” section.
The Ways District Cover Discloses Information
We are the responsible party for the personal information collected on the Platform and through our Services set out in this Privacy Policy. We will not use or disclose your personal information to non-affiliated third parties except as disclosed in this Privacy Policy.
Disclosures In Connection with Claims
We may disclose your personal information to a policyholder’s insurers, their agents and representatives, claims representatives, insurance agents, law enforcement agencies, courts, and/or government agencies. These parties may disclose personal information to other parties as permitted by law in order to process and/or investigate insurance claims.
Payment Processors
We collect and maintain certain personal information from our customers for the purposes of billing. When you purchase our Services, your payment card information may be collected and processed directly by our payment processors. Accordingly, in addition to this Privacy Policy and our Terms of Use, your data is also processed pursuant to the processor or other processors’ services agreements and privacy policies. Moreover, when your payment information is collected and stored by your broker or a third party payment provider (as applicable), your information will be subject to their respective privacy policies and practices.
Third Party Service Providers
We work with other third party service providers in the U.S. and other jurisdictions to provide website development, hosting, maintenance, transcription, marketing, billing, contract and account management, customer support and customer relationship management, and claims support as well as other business services for us. To the extent it is necessary for these service providers to complete their work, these third-parties may have access to or process your personal information in accordance with applicable law. Such users are required to agree to limit their use of the information for the purpose for which it was provided or to seek your consent for any additional purposes.
Promotional Partners and Third Party Apps
From time to time and where permissible under applicable law, we may notify you about an offer from one of our promotional partners (e.g., Apps Marketplace partners) via our Platform or email. We will share your personal information (such as your name, company name, business email address, etc.) with the applicable partner only if you affirmatively consent and respond to a promotional offer. If you install an app from one of our third party partners, we may provide your email address to that partner for account creation and communication with that partner.
Affiliates
We may share your data with our affiliates to collect and share insurance application information, market products and services, collect payment information, and/or for other purposes consistent with this Privacy Policy or delivering our Services.
Business Transfers
In the event we are involved in a proposed or actual purchase, merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of all or a portion of our assets (including a liquidation, realization, foreclosure, or repossession), transition of service to another provider, and/or transition of any assets or shares of our business or a division thereof (collectively, “Transaction”), for you to continue to receive the same or similar Services from the third party, we reserve the right to share, transfer, or assign the information that we have collected from users, including personal information in connection with such Transaction, in accordance with applicable law.
Comply with Laws and/or Legal Process
We reserve the right to disclose your information that we believe is reasonable, appropriate, and/or necessary to: take precautions against liability; protect District Cover and others from fraudulent, abusive, predatory, and/or unlawful uses or activity; investigate and defend ourselves against any third party claims or allegations; assist government enforcement agencies; protect the security or integrity of our Services; or protect or vindicate the rights, property, or personal safety of District Cover, our users, or others. In addition, we may be required by law, court order, or other legal process to provide information about our customers to outside parties.
Aggregated Information
We may aggregate data we collect about our users. For example, we may aggregate data to determine if particular software used by our users is susceptible to exploitation. If we aggregate this sort of data and provide it to external parties, our users' personal information will not be attached to or included in such aggregated data. Please note, data that our users provide to us, including data collected in our underwriting process, may be included in the aggregate data, reports, and statistics but will always be anonymous.
Enforce our Terms of Use
In addition to the above uses and disclosures, we may identify you as a customer or use your website’s name in connection with proposals to perspective customers, to hyperlink to your websites home page, to display your logo on our Platform or in marketing of its Services, or to otherwise refer to you in print or electronic form for marketing and reference purposes.
The Ways District Cover Protects Your Personal Information
We take commercially reasonable steps to protect personal information we receive from our users from loss, misuse or unauthorized access, disclosure, alteration, and/or destruction. We have put in place physical, industry standard technological, and administrative procedures designed to safeguard and secure such information; however, no internet or email transmission is ever fully secure or error free. Therefore, you should take special care in deciding what information you send to us in connection with our Services. We will notify you of any confirmed security breach of your personal information to the extent required by and in accordance with applicable state, federal or other jurisdictional laws.
We may allow our users access to their own personal information, and allow them to correct, amend, or delete inaccurate personal information. There may be exceptions to such access in accordance with applicable law, including, but not limited to: (a) where the rights of persons other than the requesting individual risk being violated; (b) where the information cannot be disclosed for legal, security, or commercial proprietary reasons; or (c) where the information is subject to solicitor-client or litigation privilege.
How Long District Cover Keeps Your Personal Information
We keep your account information for as long as your account is in existence because we need it to operate your account. We also keep information about you and your use of the Platform for as long as necessary to comply with laws and for our legitimate business interests, such as providing our Services and defending or prosecuting claims, including as described in “The Ways District Cover Uses Information” and “The Ways District Cover Discloses Information” sections. To determine the appropriate retention period for your personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements.
Your Rights Related to Your Personal Information
While we take various steps to ensure the accuracy and completeness of your personal information, we rely upon you to provide accurate and complete information when interacting with us.
Upon request and as required by law or any applicable agreement between you and District Cover, you may request that we correct or update your personal information.
Also, if you do not wish District Cover to use your name, website’s name or logo in connection with any marketing or references for our Services, you may submit such a request in writing.
To make such a request, or if you have a privacy related concern, please contact us at help@districtcover.com or as further set out below under the “Contact Information” section.
Social Media
Please be aware that any information that you submit to a social media site such as Facebook, Instagram or Twitter is done at your own risk and without any expectation of privacy. We cannot control the actions of social media site users and is not responsible for any content or submission contained on such sites. Further, we cannot guarantee the privacy and safety of these sites and is, therefore, not responsible for any content that you or any other social media user posts. You should always review the privacy policy of any Third Party Sites or website that you interact with.
CCPA Privacy Notice
California Compliance
The California Consumer Privacy Act (“CCPA”) requires specific disclosures for California residents. This Privacy Policy is intended to help you understand how District Cover or its affiliates handle your information, specifically:
The types of information that District Cover collects and how it collects that information are described in the Section, “What Information Do We Collect and How Do We Get it?”
How District Cover uses your information is described in the Section, “The Ways District Cover Uses Information.”
How and why District Cover may share your information is described in the Section, “The Ways District Cover Discloses Information.”
Subject to applicable exceptions, California residents may request information from District Cover about how it collects, uses and discloses your personal information, request access to your information, and request that District Cover delete that information, unless prohibited by applicable laws or regulations. After we receive your request, we may request additional information to verify your identity. Your authorized agent may submit requests in the same manner, although we may require the agent to present signed written permission to act on your behalf, and you may also be required to independently verify your identity with us and confirm that you have provided the agent permission to submit the request. The CCPA also requires that you not be discriminated against for exercising your privacy rights.
We also describe the ways in which District Cover protects your personal information, how long we keep your personal information and describe your rights to manage your personal information, which include access, review, updating and deleting your information (except where District Cover may be prohibited by law or regulation from doing so). Questions or requests related to your rights under the CCPA may be addressed to District Cover at help@districtcover.com or as further set out below under the “Contact Information” section.
We do not sell, rent, or share Personal Information with third-parties.
Notification of Privacy Policy Changes
We take the trust and privacy of our customers extremely seriously, and do not believe that we will need to change the core principles set forth in this Privacy Policy going forward. However, if we are required to modify this Privacy Policy, we will promptly provide notice to Users of our Services of any material changes and seek your affirmative consent where required by law. We will post the modified Privacy Policy on the Platform along with the effective date of the Privacy Policy updates, as indicated by the “Last updated” date at the top of the Privacy Policy.
Contact Information
We make information about our privacy policies and practices available. If you have any concerns or complaints, or if you would like further information regarding our privacy policies or practices, please contact our Privacy Team as set out below.
Attention: Privacy Compliance, District Cover, Inc., 2006 Acklen Ave, #120668, Nashville, TN 37212 help@districtcover.com