Privacy Policy

Information you provide directly:

• Waitlist registration: When you join our waitlist, we collect your first name and email address.
• Communications: If you contact us by email or through any form, we collect the content of your message and any contact details you provide.

Information collected automatically:

• Usage data: We collect information about how you interact with our website, including pages visited, time spent, and referring URLs.
• Device and browser data: We collect your IP address, browser type, operating system, and device identifiers.
• Cookies and similar technologies: We use cookies and pixel tags to understand traffic patterns, measure marketing effectiveness, and improve your experience. See Section 6 for details.

Health and insurance information (future product):

When CoverIQ's full product launches, users may connect their health plan or upload medical bills. This sensitive health-related information will be handled under strict security controls and will never be sold. We will update this policy before collecting any such data.

• To operate and improve the Service
• To send you waitlist updates, product announcements, and early access invitations
• To respond to your questions and support requests
• To measure and analyze usage and marketing performance
• To detect and prevent fraud, abuse, or security incidents
• To comply with legal obligations

We will not sell your personal information to third parties. We will not use your health or insurance data to train AI models without your explicit consent.

If you are located in the European Economic Area or United Kingdom, we process your personal data on the following legal bases:

• Consent: For sending marketing communications and using non-essential cookies.
• Legitimate interests: For operating and improving the Service, fraud prevention, and analytics.
• Legal obligation: Where processing is required by applicable law.

We share your information only in the following circumstances:

• Service providers: We use trusted third-party vendors to help operate the Service (e.g., email delivery, analytics, form processing). These vendors are contractually prohibited from using your data for any purpose other than providing services to us.
• Business transfers: If CoverIQ is acquired, merged, or undergoes a similar transaction, your information may be transferred as part of that transaction. We will notify you before your information becomes subject to a different privacy policy.
• Legal requirements: We may disclose information if required by law, court order, or governmental authority, or if we believe disclosure is necessary to protect our rights or the safety of others.

We retain your personal information for as long as necessary to provide the Service and fulfill the purposes described in this policy, unless a longer retention period is required by law. Waitlist data is retained until you unsubscribe or request deletion. You may request deletion of your data at any time by emailing [email protected].

We use the following types of cookies and tracking tools:

• Essential cookies: Required for the site to function. Cannot be disabled.
• Analytics: We use Microsoft Clarity to understand how visitors interact with our site (session recordings, heatmaps). Clarity data is pseudonymous and not used to identify you personally.
• Advertising pixels: We use the Meta (Facebook) Pixel to measure the effectiveness of our advertising campaigns. This may result in interest-based ads shown to you on Meta platforms.

You can opt out of non-essential cookies by adjusting your browser settings or using the opt-out tools provided by each service (e.g., aboutads.info).

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Object to or restrict certain processing
• Withdraw consent where processing is based on consent
• Receive a portable copy of your data
• Opt out of marketing communications at any time (every email includes an unsubscribe link)

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

CoverIQ is designed to connect to health insurance plan data through authorized APIs, including those provided by health plans such as CareFirst BlueCross BlueShield, in compliance with applicable federal regulations including the CMS Interoperability and Patient Access Rule (45 CFR Part 156).

When you authorize CoverIQ to access your health plan data, we may retrieve:

• Claims and Explanation of Benefits (EOB) data
• Coverage and benefits information
• Provider directory information
• Drug formulary data

Purpose of access: This data is used solely to provide you with personalized insights — such as identifying potential billing errors, surfacing unused benefits, and helping you understand your coverage. We do not use this data for advertising, sell it to third parties, or use it to train AI models without your explicit consent.

Your control: You may revoke CoverIQ's access to your health plan data at any time through your health plan's member portal or by contacting us at [email protected]. Upon revocation, we will delete your health plan data within 30 days.

Retention: Health plan data is retained only as long as you maintain an active CoverIQ account or as required by law. You may request deletion at any time.

We implement industry-standard security measures including encryption in transit (TLS 1.2+), encryption at rest, role-based access controls, and regular security reviews. No method of transmission over the internet is 100% secure. If we become aware of a data breach that affects your rights, we will notify you as required by applicable law, including Maryland's Personal Information Protection Act.

The Service is not directed to children under 13 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately at [email protected].

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email. Your continued use of the Service after any changes constitutes your acceptance of the updated policy.

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at: