Privacy Policy

FACTS	WHAT DOES COVERED CARE, LLC DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income account balances and payment history credit history and credit scores
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Covered Care, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Covered Care share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes— to offer our products and services to you		Yes	No
For joint marketing with other financial companies		Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences		Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness		Yes	Yes
For our affiliates to market to you		Yes	Yes
For nonaffiliates to market to you		Yes	Yes
To limit our sharing	Call 855-202-9876 – our menu will prompt you through your choices or Visit us online: www.coveredcare.com Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 855-202-987 or go to www.coveredcare.com

Who we are
Who is providing this notice?	Covered Care, LLC
What we do
How does Covered Care, LLC protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Covered Care, LLC collect my personal information?	We collect your personal information, for example, when you apply for a loan or give us your income information provide employment information or provide account information use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies that have a common corporate ownership with Covered Care, LLC, such as Covered Credit, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include direct marketing companies, and other financial institutions.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include banks and other financial institutions.
Other important information
You may have other privacy rights in some states under state law. To the extent that such state laws apply, we will comply with them when we share information about you. North Dakota, Vermont and California Residents: State law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties. Nevada Customers: We are providing you this notice pursuant to state law. You may be placed on our internal do-not-call list by calling us at 888-589-5444 or emailing us at support@coveredcare.com. For more information about this Nevada law, you may contact Covered Care at support@coveredcare.com or the Bureau of Consumer Protection, Office of the Nevada Attorney General by mail at 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; telephone at 888-434-9989; or email at AgInfo@ag.nv.gov.

CALIFORNIA CONSUMER PRIVACY ACT PRIVACY POLICY

Your privacy is important to us. This California Consumer Privacy Act Privacy Policy explains how Covered Care, LLC (collectively “we,” “us” and “our”) collect, use, and disclose personal information relating to California residents covered by the California Consumer Privacy Act of 2018 (“CCPA”). This notice is provided pursuant to the CCPA.

Under the CCPA, ‘Personal Information’ is information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular California resident. The CCPA, however, does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act (“GLBA”).

The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this Disclosure does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our Privacy Notice.

Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.
In the past 12 months, we have collected, and may have disclosed to third parties for our business purposes, the following categories of Personal Information relating to California residents covered by this privacy policy:

• Category A.  Identifiers, such as name and government-issued identifier (e.g., Social Security number);
• Category B.  Personal information, as defined in the California safeguards law (Cal. Civ. Code § 1798.80(e)), such as contact information and financial information;
• Category F.  Internet or network activity information, such as browsing history and interactions with our website;
• Category G.  Geolocation data, such as device location and Internet Protocol (IP) location;
• Category H.  Audio, electronic, visual and similar information, such as call and video recordings;

The categories of sources from whom we collected this Personal Information are:

• Directly from a California resident or the individual’s representatives
• Service providers, consumer data resellers and other third parties
• Information from our affiliates
• Website, mobile app and social media activity
• Information from client directed third parties or institutions representing a client or prospective client

In the past 12 months, we have disclosed the following categories of personal information of California consumers for a business purpose:

• Category A.  Identifiers, such as name and government-issued identifier (e.g., Social Security number);
• Category B.  Personal information, as defined in the California safeguards law (Cal. Civ. Code § 1798.80(e)), such as contact information and financial information;
• Category F.  Internet or network activity information, such as browsing history and interactions with our website;
• Category G.  Geolocation data, such as device location and Internet Protocol (IP) location;
• Category H.  Audio, electronic, visual and similar information, such as call and video recordings;

The categories of third parties to whom we disclosed Personal Information for our business purposes and the categories of personal information shared with such third parties are:

• Vendors and service providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities
• Third parties who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, notaries and auditors, who promote the financial services and products that we offer to customers and applicants
• Other third parties who enable customers to conduct transactions online and via mobile devices, support mortgage and fulfillment services, vehicle loan processes and aggregators (at the direction of the customer)
• Government agencies as required by laws and regulations

In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:

• Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing marketing services, or providing similar services.
• Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
• Short-term, transient use where the information is not disclosed to a third party and is not used to build a profile or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
• Auditing related to a current interaction and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
• Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business.
• Debugging to identify and repair errors that impair existing intended functionality.
• Undertaking internal research for technological development and demonstration.
• Complying with laws and regulations and to comply with other legal process and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions).

In the past 12 months, we have not “sold” Personal Information subject to the CCPA, including Personal Information of minors under the age of 16. For purposes of this privacy policy, “sold” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration.

Right to Request Disclosure of Collected, Used or Disclosed Personal Information.  You have the right to request that we disclose to you your Personal Information that is collected, used, and disclosed to third parties.  
If you make a Right to Access request, you will receive the following information about you:

• Categories of personal information collected
• Categories of sources from which personal information are collected
• Specific pieces of personal information collected about you
• Business purpose for collecting or selling
• Categories of third parties with whom sold

This information will be provided free of charge, unless we determine that your request is manifestly unfounded or excessive. You may request this information twice in a 12-month period. This Right to Access is subject to certain restrictions and is not available to our employees and employees of our business partners and service providers also do not have a Right to Access under the CCPA.

Right to Request Deletion.  You have the right to request that we and our service providers delete any Personal Information about you that we have collected from you upon receipt of a verifiable request. This right is subject to the same exceptions as for Right to Access requests.

Submitting Requests.  You can submit your request by calling us at 888-589-5444 or visiting our request website at www.coveredcare.com/contact  We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity.We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

Verifying Requests.  To verify a California Consumer’s identity, we may request up to three pieces of Personal Information about you when you make a request to compare against our records. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity.  An authorized agent may submit a request on your behalf.If an authorized agent submits a request on your behalf, we may require proof of authorization and verification of identity directly from you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in your request to verify your identity. We reserve the right to take additional steps as necessary to verify the identity of California Consumers where we have reason to believe a request is fraudulent.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.

We will advise you in our response if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

Right to Non-Discrimination.  We will not discriminate against you because you exercised any of your rights, including, but not limited to, by:

• Denying products or services to you.
• Charging different prices or rates for products or services, including through the use of discounts or other benefits or imposing penalties.
• Providing a different level or quality of products or services to you.
• Suggesting that you will receive a different price or rate for products or services or a different level or quality of products or services.

You may contact us with questions or concerns about this Disclosure and our practices by:

1. Emailing us at support@coveredcare.com

We may change or update this Privacy Policy from time to time. When we do, we will post the revised Privacy Policy on this page with a new “Last Updated” date.