Cookie Policy

1. What Are Cookies?

Cookies are small text files that are placed on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners. Cookies help us enhance your experience, understand how you use our website, and improve our services.

2. How We Use Cookies

Insurance Coverage Services uses cookies for the following purposes:

2.1 Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as:

• Secure user authentication
• Maintaining your session state
• Processing insurance applications
• Preventing fraudulent activities
• Load balancing and security

2.2 Functional Cookies

These cookies enable enhanced functionality and personalization:

• Remembering your preferences and settings
• Saving your quote information
• Storing your language preferences
• Remembering form inputs

2.3 Analytics Cookies

These cookies help us understand how visitors interact with our website:

• Pages visited and time spent on each page
• Navigation paths through the website
• Error messages encountered
• Device and browser information

2.4 Marketing Cookies

These cookies are used to deliver relevant advertisements:

• Tracking effectiveness of our marketing campaigns
• Delivering targeted advertisements
• Limiting the number of times you see an ad
• Measuring ad engagement

3. Types of Cookies We Use

4. Third-Party Cookies

We may allow third-party service providers to place cookies on your device. These providers include:

• Google Analytics: For website usage analytics
• Facebook/Meta: For social media advertising and tracking
• Google Ads: For advertising and conversion tracking
• Hotjar: For user behavior analytics
• Stripe: For secure payment processing

These third parties have their own privacy and cookie policies. We encourage you to review their policies for more information.

5. Managing Your Cookie Preferences

You can control and manage cookies in several ways:

5.1 Browser Settings

Most web browsers allow you to control cookies through their settings. You can:

• Delete existing cookies
• Block all cookies
• Allow only first-party cookies
• Receive notifications when cookies are set

Please note that disabling cookies may affect the functionality of our website.

5.2 Our Cookie Consent Tool

When you first visit our website, you will see a cookie banner allowing you to:

• Accept all cookies
• Reject non-essential cookies
• Customize your cookie preferences

You can update your preferences at any time by clicking the "Cookie Settings" link in the footer.

5.3 Third-Party Opt-Out Tools

You can opt out of targeted advertising through these industry programs:

• Digital Advertising Alliance (DAA)
• Network Advertising Initiative (NAI)
• Your Online Choices (Canada)

6. Do Not Track Signals

Some browsers have "Do Not Track" (DNT) features that send signals to websites requesting that your browsing activity not be tracked. Our website currently does not respond to DNT signals. However, you can use the cookie management options described above to control tracking.

7. Cookie Duration

Cookies may remain on your device for different periods:

• Session Cookies: Deleted when you close your browser
• Persistent Cookies: Remain until they expire or you delete them (ranging from days to years)

8. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in technology, legislation, or our data practices. We will post the updated policy on our website with a revised effective date. We encourage you to review this policy periodically.

9. Contact Us

If you have questions about our use of cookies, please contact us: