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PRIVACY POLICY

Last updated: February 12, 2026
 

This Privacy Policy describes how Hardcover LLC (“Hardcover,” “we,” “us,” or “our”) collects, uses, and protects information that you provide when using our website, requesting a quote, or communicating with us by phone, email, or text message.

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1. Information We Collect

We may collect the following types of information:

  • Personal Information: Name, phone number, email address, postal address, and other details necessary to provide insurance quotes or services.

  • Business Information: Company name, size, or insurance-related data you submit.

  • Documents and Attachments: Insurance policy documents, binders, declaration pages, and claim histories that you upload to our website or transmit to us via email or text. These documents may contain sensitive personal, financial, and asset-related information.

  • Communication Data: Messages, inquiries, or preferences shared through our contact forms or SMS programs.

  • Technical Data: Device type, browser, IP address, and pages visited on our website (for basic operational purposes only).

 

2. How We Use Your Information

We use your information to:

  • Provide insurance quotes and services you request.

  • Analyze your current coverage via uploaded documents to identify gaps or savings.

  • Communicate with you about applications, policies, and renewals.

  • Send text messages and email communications (with your consent).

  • Improve our services and customer experience.

  • Comply with legal obligations and regulatory requirements.

We do not sell or rent your personal information or uploaded documents to third-party marketers.

 

3. SMS/Text Messaging

If you opt in to receive text messages, we may send you messages related to your insurance policies, account updates, and occasional promotional content (2–4 messages per month).

  • You may opt out at any time by replying STOP or contacting us directly.

  • Standard message and data rates may apply. Carriers are not responsible for delayed or undelivered messages.

 

4. Sharing Information

We may share your information, including uploaded policy documents, only when necessary to:

  • Obtain insurance quotes or place coverage with licensed insurance carriers and underwriters.

  • Process payments or manage customer accounts.

  • Comply with legal or regulatory requirements.

  • Third-party partners who assist us must maintain confidentiality and may not use your data for any purpose other than providing contracted services.

 

5. Data Security

We use industry-standard security measures, including encryption and secure transmission protocols, to protect your data and uploaded documents against unauthorized access, disclosure, or misuse. While we maintain strong security practices, no electronic system is completely secure, and we cannot guarantee absolute protection.

 

6. Data Retention

We retain your information and uploaded documents as long as necessary to fulfill the purposes described in this policy or as required by law (such as state insurance record-keeping requirements).

 

7. Your Privacy Rights

You may request to:

  • Access or correct your personal information.

  • Delete certain information (subject to legal or regulatory limits).

  • Withdraw consent for marketing or text communications.

To exercise these rights, contact info@hardcoverins.com or call (877) 247-7755. We may verify your identity before processing your request.

 

8. Updates to This Policy

We may revise this Privacy Policy periodically. The “Last updated” date above reflects the most recent version. Continued use of our website or services after updates constitutes acceptance of the new policy.

 

9. Contact Us

For questions about this Privacy Policy or your information, contact:
 

Hardcover LLC

19790 W. Dixie Hwy #1004 Aventura, FL 33180

Phone: (646) 257-2478 | (877) 247-7755 | (954) 210-4144

Email: info@hardcoverins.com

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