Privacy Policy
This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.
ARTICLE I – PRINCIPLES
Section 1.01 — Principles
We may gather and use information as follows:
1. Notice
- Volunteered Information: We will receive and store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed. Typically, you will provide information on the Web Site for the purchase of products or services or when you submit comments or questions for review by us.
- Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer’s hard drive when you first visit the Web Site (“Cookie”). This file contains a unique number that helps us identify you when you return to the Web Site. Cookies are employed by thousands of websites to enhance users’ web viewing experience. Cookies can neither damage user files nor can they read information from users’ hard drives. We combine all usage information provided by such Cookies and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer’s hard drive, and only we will be able to read the Cookie that the Web Site creates.
- Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the Web Site; to respond to your requests for purchases, comments, or questions; to improve your experience at the Web Site; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of subscription renewal discounts, to automatically renew your subscription, and to advise you of upcoming service offerings and events.
Disclosures to Third Parties
We may disclose general non-SMS contact information to third parties or disclose customer lists to commercial or charitable users thereof. Disclosure for such purposes is limited to your name, company, position, address, phone and fax numbers, website, and email addresses. (Note: Excludes SMS opt-in data as outlined in Section 1.02 below.)
If you do not wish to have such general information disclosed, please let us know by contacting us. To enable us to process your request, please include your name and address. Once properly notified, we will remove your name from the lists and disclosures as soon as we practicably can in the course of normal business practices.
Payment Information
When you order products or services from us, we ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose. Annual subscriptions are payable on the purchase date of the Subscription and renew automatically each anniversary unless canceled in writing thirty days in advance of each anniversary date.
Public Comments & Submissions
Any user questions or comments submitted to us may become available in the public sections of the Web Site, including a section entitled “Frequently Asked Questions,” immediately after such questions or comments are submitted to us. If we publicize any user questions, such questions will not contain facts that identify the user or the specific parties involved. We also reserve the right to use any user comments submitted to us for promotional purposes, and by submitting such comments to us, you agree that we may do so.
Legal Disclosures
We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.
Section 1.02 — SMS / Mobile Terms & Privacy Policy (10DLC Compliant)
Information Sharing
SMS opt-in and phone numbers collected for SMS consent will not be shared with any third party or affiliate company.
1. Mobile Information Sharing Protection
No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All the above categories in this policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties under any circumstances.
We will not share your SMS opt-in or consent status with any third party for purposes unrelated to providing you with the services of that campaign. We may share your Personal Data, including your SMS opt-in status, strictly with third-party vendors that assist us in delivering our messaging services (such as platform providers, phone carriers, and text message delivery vendors).
2. Program Description
By signing up for our SMS Program or requesting information, you consent to receive marketing and informational text messages from Top Coverage Insurance. Messages may include appointment reminders, account updates, promotions, and product-related information.
3. Opt-In & Opt-Out Terms
- Opting In: By signing up for our SMS Program, you consent to receive marketing and informational messages via text. Consent is not required as a condition of purchasing any goods or services.
- Opting Out: You can cancel the SMS service at any time. Just reply STOP to any text message. After you send the SMS message STOP to us, we will send you an SMS message to confirm that you have been unsubscribed. Only standard command replies (such as STOP) will be honored.
4. Cost and Frequency
- Cost: Standard message and data rates may apply for any messages sent to you from us and to us from you.
- Frequency: Message frequency varies based on your engagement and account activity.
5. Support
For help, reply HELP to any text message, or email us directly at documents@top-coverage.com.
6. Opt-In Message
Thank you for opting into SMS messages from Top Coverage Insurance. To opt out at any time, reply STOP. For assistance, reply HELP. Message and data rates may apply. Messaging frequency may vary.
7. Opt-Out Message
Thank you for opting out of SMS messages from Top Coverage Insurance. You will not receive any further SMS communications. To opt back in at any time, reply START.
8. Help Message
Thank you for contacting Top Coverage Insurance. For immediate assistance, please call 305-690-1849 or visit https://top-coverage.com/. Message and data rates may apply.
ARTICLE II – CHOICE, ACCESS & SECURITY
Section 2.01 — Choice
We give you a choice as to the type and amount of private information we have, as follows:
- Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services and you will not be able to take advantage of many of our features. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may contact us.
- Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The “Help” portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.
Section 2.02 — Access
We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us. For security purposes, we require user verification via user’s username and password to receive personal information.
Section 2.03 — Security
We protect the security of your personal information. We take steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users’ ordering information, username, and password. We encrypt users’ ordering information, username, and password (including users’ credit card account numbers) using Secure Socket Layer (“SSL”) technology. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. To support this technology, users must have an SSL-capable browser. While we use such security technology, we cannot guarantee that any electronic commerce is totally secure.
ARTICLE III – ADDITIONAL POLICIES
Section 3.01 — User Safeguards
You are responsible for maintaining the secrecy of your username, password, and any account information. It is important for you to be responsible and protect your username, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.
Section 3.02 — Children
We do not sell products for children. Users of the Web Site must be at least eighteen years old. If a child has provided us with personal information, that child’s parent or guardian should contact us to delete such information from our records.
Section 3.03 — Third-Party Websites
Please be aware that the Web Site may have links to third-party websites that may collect personally identifiable information about you. When you click on one of these third-party links, you are entering another website for which we have no responsibility. This Notice does not cover the information practices or policies of such third-party websites. We encourage you to read the privacy statements of all such websites, as their privacy policies may be materially different from our Notice.
Section 3.04 — Google Analytics
Please be aware that Google Analytics Advertising Features may be tracking visitor data on this website. Google Analytics may use cookies to collect Demographics and Interest Reporting data, which is used to get a better general understanding of the type of individuals visiting the Web Site; to collect aggregated site-visitation statistics; and to improve marketing initiatives, such as display and remarketing advertising. This information will not be sold to third parties, and the data collected through Google Analytics Advertising Features – including Demographics and Interest Reporting – is not personally identifiable.
ARTICLE IV – AGREEMENT AND MODIFICATIONS
By using and accessing the Web Site, you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Web Site Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law, govern any dispute over privacy. By using and accessing the Web Site, you agree to indemnify us for any and all third-party claims resulting from your breach of this Notice or the Web Site Terms and Conditions.
