Privacy Policy

1. Who we are

Coverage Path is an independent life insurance agency/broker. We are not an insurance carrier — we help you compare options from multiple carriers and connect you with a licensed agent. In this policy, "we," "us," and "our" mean Coverage Path. You can reach us at insuredbydassa@gmail.com or 732-210-7891.

2. Information we collect

Information you give us. When you complete our quote form, we collect what you enter: your first and last name, email address, phone number, age range, state, whether you use tobacco, household income range, the coverage amount you are interested in, your monthly budget, whether you currently have life insurance, an optional beneficiary name, and any campaign parameters in the link you followed (such as UTM parameters) plus the page you came from.

Consent records. When you submit the form, we record the exact consent language you agreed to and the date and time you agreed to it. This is required for phone and text outreach under federal telemarketing rules.

Information collected automatically. Like most websites, we automatically receive certain technical information when you visit: your IP address (we keep only a one-way hashed version of it for security and fraud prevention — we cannot use it to identify you), your browser type, the page that referred you, and basic usage events such as which pages you view and which steps of the quote form you complete.

Advertising technology. We use the Meta (Facebook) Pixel, an advertising tool that places cookies and similar code on your browser. It helps us measure how well our ads perform and show our ads to people who may be interested in life insurance. It may collect information such as pages visited, the completion of our quote form, and interactions with buttons like calling our number. See Section 6 for how to opt out.

We do not collect sensitive information such as Social Security numbers, full dates of birth, medical records, or payment details on this website. If you later complete an application with a carrier, that carrier's own privacy policy will apply to the information you give them.

3. How we use your information

We use the information we collect to:

• Review your situation and compare life insurance options that may fit you;
• Have a licensed agent contact you by phone, text, or email about your request;
• Track and improve our website and advertising (for example, knowing that an ad led to a completed quote);
• Prevent fraud, spam, and abuse of the form (such as limiting repeated submissions);
• Comply with legal and regulatory obligations that apply to insurance agents.

4. Phone calls and text messages

By submitting the quote form, you agree that Coverage Path and its licensed agents may contact you by phone, text, and email at the number and address you provided — including with automated technology — about life insurance. Consent is not a condition of purchase, and message and data rates may apply. You can withdraw consent at any time by replying STOP to a text message or by calling 732-210-7891. We keep a record of your consent as described in Section 2.

5. How we share your information

We do not sell your personal information for money. We share it only in these limited ways:

• Licensed agents and carriers. The details you share go to the licensed agent who works with you, and to insurance carriers as needed to quote and service your request. These parties are permitted to use your information only to evaluate and provide the insurance products you asked about.
• Service providers. We use trusted vendors to run the website and store data, such as our database host, our spreadsheet/record-keeping tool, and our email provider. They process information on our behalf and are not permitted to use it for their own purposes.
• Advertising partners. We share limited event information (such as "a quote form was completed") with Meta through the Pixel so we can measure and improve our advertising. This may involve cookies on your browser — see Section 6.
• Legal requirements. We may disclose information when required by law, regulation, subpoena, or to protect our rights and the safety of others.
• Business transfers. If our business is ever sold or merged, customer information may be transferred as part of that transaction, subject to this policy.

6. Cookies, advertising, and your choices

Cookies are small pieces of data stored by your browser. We use them to understand site traffic and to measure advertising through the Meta Pixel. You can control cookies through your browser settings, and you can opt out of Meta's use of cookies for personalized advertising through your Facebook ad settings or through Facebook's ad preferences page. Industry opt-out tools are also available at the Network Advertising Initiative and aboutads.info.

Depending on your region, our site may automatically limit certain tracking tools. For example, visitors from regions that require consent before advertising cookies are used may see limited or no advertising tracking.

7. Your privacy rights

Depending on where you live, you may have rights over your personal information, including the right to know what we hold, to request a copy, to correct it, to delete it, and to opt out of the sale or sharing of your personal information. Residents of states with consumer privacy laws (such as California, Colorado, Connecticut, Virginia, and others) may exercise these rights without discrimination — we will not charge you or treat you differently for making a request.

To make a request, email insuredbydassa@gmail.com or call 732-210-7891. You can also use our Do Not Sell or Share My Info page. We will verify your request and respond within the time required by your state's law.

If we disclose your personal information for cross-context behavioral advertising as described in Section 5, you have the right to opt out of that sharing, and the link above covers it.

If you are an authorized agent making a request on someone else's behalf, tell us and we will explain what verification we need.

8. How long we keep your information

We keep your information only as long as needed to serve your request, to contact you about life insurance if you asked us to, and to meet record-keeping and legal obligations that apply to insurance agents (which can require retaining records for several years). When we no longer need it, we delete or de-identify it. If you ask us to delete your information, we will remove it unless we are required to retain it for regulatory reasons.

9. How we protect your information

We use technical and organizational safeguards to protect your information, including encrypted connections (HTTPS), access controls so only people who need your information can reach it, and rate limiting and fraud checks on form submissions. No method of transmission or storage is perfectly secure, so we cannot guarantee absolute security — but we take reasonable steps to protect what you share.

10. Children's privacy

Our website is intended for adults. Life insurance decisions require an adult, and we do not knowingly collect personal information from anyone under 18. If you believe a minor gave us information, contact us and we will delete it.

11. Do Not Track

Some browsers offer a "Do Not Track" signal. There is currently no consistent industry standard for responding to it, so our website does not act on it. You can always use the opt-out tools described in Sections 6 and 7.

12. Changes to this policy

If we change this policy, we will post the updated version here with a new effective date. If a change is significant — such as a new way we use or share information — we may also provide a more direct notice.

13. Contact us

Questions about this policy or how we handle your information? Email insuredbydassa@gmail.com or call 732-210-7891.