Final Max Coverage Website Privacy Policy – Your Privacy Rights
Effective Date: January 2024
This Privacy Policy applies to the websites and apps where it is displayed. It outlines how Final Max Coverage collects, uses, and protects your personal information. By using this website, you agree to the collection, disclosure, and use of your information as described herein. This includes services related to final expense life insurance, as well as mobile sites and apps.
We Collect Information from You
Contact Information:
We may collect your name, street address, phone number, or email address when you register on our website or app. If you invite friends to download our app, we will collect their email addresses.
Information You Submit or Post:
We collect any information you post in public spaces on our site. We also collect information when you contact us directly.
Demographic Information:
We may gather demographic details such as your gender, age, date of birth, marital status, and zip code when you contact us or participate in promotions.
Service-Specific Information:
Depending on the services you’re interested in, we collect additional information. For example:
- For car insurance inquiries, we collect details about your vehicle.
- For home insurance, we gather information about your homeowner status and property.
- For life insurance, we collect details including your occupation, physical activity level, veteran status, tobacco use, DUI history, height and weight, and medical history. We may also collect information about your current insurance coverage.
Usage, Device, and Location Information:
When you use our website, we may collect data about the browser you’re using, the websites you visited before and after ours, and your general location. For our app, we may collect information about your precise location using technologies like GPS and Wi-Fi. This can include saved locations, and we may collect this information in the background.
If you use our mobile app, we may collect information about your driving habits, using location services, accelerometer, screen on/off status, and gyroscope. You may also allow us to access your device’s contact list or social media contacts. Please note, our app may not always distinguish if you’re the driver or a passenger, so it might record driving data even when you’re not driving.
We Use Your Information as Described Below
To Respond to Your Requests or Questions:
We use your information to respond to your inquiries or requests. This may include providing details about insurance products you’re interested in or responding to feedback you provide. If you participate in a contest or sweepstakes, we may notify you if you win.
To Improve Our Products and Services:
Your information helps us enhance our website and services. We may use it to customize your experience with us and improve our offerings.
For Security Purposes:
We use your information to protect our business, our customers, and our websites and apps.
For Marketing and Promotional Purposes:
We may use your information to send you offers, advertisements, and special promotions. This may include messages from insurance providers or other third parties. We might also inform you about new features or updates. By submitting your email address and/or phone number, you authorize us to contact you periodically about your quote requests, our services, or offers that may interest you. This contact may include auto-dialed calls and pre-recorded messages. To opt out of receiving these communications, refer to our “Choices” section.
We may also share your information with our partners for marketing purposes, including offers for insurance products and services.
To Communicate with You:
We use your information to maintain communication with you about your account, your feedback, or updates to this Privacy Policy and our Terms of Service. We may also send you push notifications on our mobile apps, which could include updates about insurance offers, friend requests, trip prompts, or product updates.
To Calculate Your Driving Score:
If you use our app, we may collect driving data through technologies like GPS, accelerometers, and gyroscopes, which we use to create a “driving score.” This score may also be shared with our business partners who use it to generate a separate “risk score” for determining insurance offers. The driving score may reflect trips where you weren’t the driver if the app cannot distinguish this.
Sharing Your Information with Third Parties
With Service Providers:
We may share your information with third parties that provide services on our behalf, such as vendors who manage email communications or the companies that operate our website and app.
With Business Partners and Insurance Providers:
We may share your information with insurance companies and other third parties who may contact you with offers for insurance products and services. This includes sharing your name, address, email, phone number, and date of birth, as well as any driving data, with insurance providers who may use it to give you offers. These companies may also verify your details through consumer reporting agencies, such as your driving record or credit score, to assess eligibility and rates.
With Regulatory Authorities or for Legal Compliance:
We may share your information to comply with the law, such as responding to court orders, subpoenas, or government investigations, including accident investigations or litigation. We might also share information to detect and prevent fraud.
In the Event of Business Changes:
If our business is sold or merged, your information may be transferred as part of that transaction, including our customer list.
With Other Users (App-Specific):
If you use our app, your username, profile picture, driving score, and location will be visible to other users. You can also choose to share specific driving habits or trips with your friends. However, we will not share this information without your consent.
Your Choices Regarding Information Use
Opting Out of Marketing Communications:
You can opt out of receiving promotional emails by emailing customer support at info@finalmaxcoverage.com or following the instructions in our marketing messages. Even if you opt out, you will still receive transactional emails.
Opting Out of Third-Party Sharing:
If you prefer not to have your information shared with third parties for marketing, email us at info@finalmaxcoverage.com.
Managing Cookies and Tracking Tools:
To learn how to manage cookies and tracking tools used on our website or app, please refer to our Cookie Policy. You can also control location tracking and push notifications through your device settings.
Your California Privacy Rights
Consumers residing in California have certain rights regarding their personal information under the California Consumer Privacy Act (CCPA) (California Civil Code Section 1798.100 et seq.) and the “Shine the Light” law (California Civil Code Section 1798.83). This section applies to California residents.
California Consumer Privacy Act (CCPA)
In the past 12 months, we have collected the following categories of personal information:
- Identifiers (e.g., name, email address, phone number)
- Categories of personal information as described in Section 1798.80(e) of the California Civil Code, including financial information, commercial information, biometric data, internet or other electronic network activity, geolocation data, professional or employment-related information, educational information, and inferences drawn from any of the information identified.
For more details on the specific information we collect and the sources of this information, please refer to the sections titled “We collect information from and about you” and “We collect information in different ways” above.
We collect personal information for the business and commercial purposes outlined in the section titled “We use information as disclosed and described.”
Disclosure of Personal Information
We may share your personal information with third parties as described in the “We may share information with third parties” section. In the past 12 months, we may have disclosed the following categories of personal information for business or commercial purposes:
- Identifiers
- Financial information
- Commercial information
- Biometric data
- Internet or network activity information
- Geolocation data
- Professional or employment-related information
- Educational information
- Inferences drawn from any of the information identified.
Sale of Personal Information
Under California law, we must disclose any personal information that we “sell.” For the purposes of the CCPA, the term “sell” refers to the sharing of personal information with third parties in exchange for valuable consideration.
In the past 12 months, we have “sold” the following categories of personal information:
- Identifiers
- Financial information
- Commercial information
- Biometric data
- Internet or network activity information
- Geolocation data
- Professional or employment-related information
- Educational information
- Inferences drawn from any of the information identified.
California consumers aged 16 and older have the right to opt out of the sale of their personal information at any time. We do not knowingly sell personal information about consumers under the age of 16. To learn more about how we sell information and to submit an opt-out request, please visit our “Do Not Sell My Info” webpage.
Your Consumer Rights
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
- Request Information: You can request details about the categories and specific pieces of personal information we have collected, sold, and disclosed for a business purpose in the past 12 months.
- Request Deletion: You can request that we delete your personal information.
- Opt-Out of Sales: You have the right to opt out of the sale of your personal information, if applicable.
- Non-Discrimination: You are entitled to exercise your rights under the CCPA without facing discrimination.
To make any of these requests, please submit your request info@finalmaxcoverage.com. To opt out of the sale of your personal information, please visit our “Do Not Sell My Info” webpage.
We will verify your request by confirming at least two pieces of personal information, including contact details, that you provided when submitting your request. If you wish to designate an authorized agent to exercise these rights on your behalf, please send an email with your request to info@finalmaxcoverage.com.
Data Storage and Transfer
We store information within the United States. If you live outside the U.S., you understand and agree that your information will be transferred to and processed in the U.S. Our platforms are governed by U.S. laws, which may not provide the same level of protection as the laws in your country.
Third-Party Links and Content
Our website may contain links to other websites or platforms that are not controlled by us. This Privacy Policy does not apply to the practices of those third parties. We encourage you to review the privacy policies of those sites. Additionally, our site may display content from third parties that use their own cookies or tracking technologies. For more information, please click [here]. We do not control the use of these technologies.
Contact Us
If you have any questions about this Privacy Policy, please feel free to contact us:
- Email: info@finalmaxcoverage.com
- Mailing Address: 704 N King St. Ste 500 Wilmington
Updates to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by email or by posting a notice on our website or app. We will also post an updated version of the Policy on our website. Please check our site periodically for updates.
