Privacy Policy for Kovermi.com
Last Updated: August 29, 2025
This Privacy Policy describes how Kovermi.com (“we,” “us,” or “our”) collects, uses, and shares information from visitors to our website, which is hosted on WordPress and includes an embedded third-party service, PL Rater.
By using our website, you agree to the collection and use of information in accordance with this policy.
1. Who We Are
Kovermi.com is a website dedicated to providing information and services related to insurance policies. Our website address is https://www.kovermi.com
2. Information We Collect and How We Collect It
We collect several types of information from and about users of our website, including:
- Personal Information You Provide: We collect personal information that you voluntarily provide to us when you interact with our website. This includes, but may not be limited to:
- Quote Request Data: When you use the embedded PL Rater quoting service, you provide personal and other information necessary to generate insurance quotes. This may include your name, contact details, and other information related to your insurance needs.
- Comments: When you leave comments on the site, we collect the data shown in the comments form, as well as the visitor’s IP address and browser user agent string to help with spam detection.
- Contact Information: If you contact us via a contact form or email, we collect the information you provide to respond to your inquiry.
- Information We Collect Automatically: When you visit our website, certain information is automatically collected. This may include:
- Usage Data: Information about how you interact with our website, such as pages visited, time spent on the site, and other clickstream data.
- Technical Data: Your IP address, browser type and version, and browser user agent string.
3. Cookies
We use cookies to enhance your experience on our site. A cookie is a small file stored on your device.
- Comment Cookies: If you leave a comment on our site, you may opt-in to saving your name, email address, and website in cookies. These are for your convenience so you don’t have to fill in your details again. These cookies last for one year.
- Login Cookies: If you have an account and log in, we set up temporary cookies to determine if your browser accepts cookies. These cookies contain no personal data and are discarded when you close your browser. We also set up cookies to save your login information and screen display choices. Login cookies last for two days, and screen options cookies last for a year.
- Managing Cookies: You have the ability to manage and delete cookies locally on your own device at any time through your browser settings.
4. Embedded Content from Other Websites
Articles on this site may include embedded content (e.g., videos, images, articles, etc.). The most notable embedded content on our site is the insurance policy quoting service, PL Rater, which is displayed in an iframe.
Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may:
- Collect data about you.
- Use cookies.
- Embed additional third-party tracking.
- Monitor your interaction with that embedded content, including tracking your interaction if you have an account with and are logged in to that website.
Please be aware that our privacy policy does not apply to these third-party websites. We encourage you to review the privacy policies of any third-party services you interact with through our website, including PL Rater.
5. How We Use Your Data
We use the information we collect for the following purposes:
- To provide and maintain our website and services.
- To process and fulfill your requests for insurance quotes.
- To communicate with you, including responding to your inquiries and providing updates related to your requests.
- To personalize your experience on our website and provide a seamless online experience.
- To detect and prevent spam.
6. Who We Share Your Data With
We share your data with sub-processors and third-party services as necessary to operate our business and provide our services.
- Quote Request Data: Data submitted for a quote request is shared with our sub-processors, including PL Rater and the insurance rating services they connect with, to create your account and provide you with quotes.
- Marketing Sub-processors: We may share your data (excluding mobile information) with marketing sub-processors to assist us with communications and outreach.
- Mobile Information: Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.
We do not sell your data. We may also disclose your information if required by law or in a good-faith belief that such action is necessary to comply with legal obligations.
7. How Long We Retain Your Data
If you submit a quote request, your information and associated metadata may be retained indefinitely. This is so we can recognize your user session and provide a seamless online experience.
8. What Rights You Have Over Your Data
If you have submitted a quote request or left comments on our site, you have the following rights:
- Right to Access: You can request to receive an export of the personal data we hold about you.
- Right to Erasure: You can request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
To exercise these rights, please contact us using the information provided below.
9. Where Your Data is Sent
Your data may be stored with our sub-processors to create your account and with rating services to provide you with quotes. We may also share your data (excluding mobile data) with marketing sub-processors to assist us with communications and outreach.
10. Contact Information
For more information or requests regarding our Privacy Policy, contact admin@kovermi.com
