This Privacy Policy describes how Cover Agent AI, a proprietary platform owned and operated by Everest Wealth Builder LLC (Annapurna Insurance Solutions) ("we," "us," or "our"), collects, uses, shares, and protects your personal information when you visit coveragent.ai, use portal.coveragent.ai, interact with our AI assistant, or otherwise engage with our services.

By using Cover Agent AI or submitting your information through our website, you acknowledge the practices described in this Privacy Policy. If you do not agree, please do not use our services.

1. Information We Collect

We collect information in the following ways:

a) Information You Provide Directly

• Full name, email address, phone number, and state of residence when you sign up or submit a form
• Insurance license number and National Producer Number (NPN), if applicable
• Business information such as agency name and experience level
• Communications you send us via email, chat, or contact forms

b) Information Collected Automatically

• IP address, browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Cookies and similar tracking technologies (see Section 7)
• Clickstream data and interaction with page elements

c) Information Collected Through AI Interactions

• Conversation content from chat or voice interactions
• Intent, responses, and lead qualification data
• Scheduling, support, or onboarding details shared with our AI systems

d) Information From Third Parties

• Referral information from advertising or analytics platforms, when enabled
• Affiliate tracking identifiers
• Publicly available professional information such as NIPR license data

2. How We Use Your Information

We use your personal information to:

• Process your registration and provide access to the Cover Agent AI platform
• Communicate with you about your account, services, and updates
• Send you SMS text messages, emails, and phone calls related to your inquiry or account, where you have provided the required consent
• Book appointments and manage your sales pipeline
• Provide AI-powered tools, coaching, and marketing features
• Improve and personalize your experience on the platform
• Comply with legal obligations, including insurance regulatory requirements
• Detect and prevent fraud or unauthorized use
• Analyze usage patterns to improve our services

We do not use your personal information to train public AI models.

3. SMS Communications & TCPA Consent

If you submit your phone number through our website or signup forms and provide the required consent, you may receive SMS text messages and phone calls from Everest Wealth Builder LLC (Annapurna Insurance Solutions) and Cover Agent AI at the number you provide, including informational or marketing communications where permitted by law.

• Message and data rates may apply
• Message frequency varies based on your activity and preferences
• You may opt out of SMS at any time by replying STOP to any message
• You may opt out of calls by requesting removal during any call or by contacting us at support@coveragent.ai
• Opting out of SMS does not affect your ability to use the platform

We comply with the Telephone Consumer Protection Act (TCPA) and all applicable federal and state telecommunications laws.

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• Service Providers: We share data with trusted vendors who help operate our platform, such as hosting providers, AI providers, CRM systems, email or SMS providers, appointment scheduling tools, analytics vendors, and BackNine for contracting. These vendors are contractually required to protect your data.
• Insurance Carriers & Back-Office: If you proceed with agent contracting, your information will be shared with BackNine and relevant insurance carriers for licensing and contracting purposes.
• Legal Requirements: We may disclose your information if required by law, court order, or government authority, or to protect our rights, property, or safety.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not share your phone number or contact details without consent except where required to provide our services, fulfill your requests, or comply with law.

5. Your Rights Under the California Consumer Privacy Act (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you specific rights regarding your personal information. As a California-based company, we are committed to honoring these rights.

Your CCPA Rights:

• Right to Know: You have the right to request that we disclose what personal information we have collected about you, the categories of sources, the business purpose for collecting it, and the categories of third parties we share it with.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Opt-Out of Sale: We do not sell your personal information. However, you have the right to direct us not to sell your personal information at any time.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights. We will not deny you services, charge you different prices, or provide a lower quality of service because you exercised your rights.
• Right to Correct: You have the right to request correction of inaccurate personal information we hold about you.

How to Exercise Your Rights:

To submit a CCPA request, contact us at:

• Email: support@coveragent.ai
• Mail: Everest Wealth Builder LLC (Annapurna Insurance Solutions), 1900 Powell Street, Suite 700, Emeryville, CA 94608

We will respond to verified requests within 45 days. We may need to verify your identity before processing your request.

Categories of Personal Information We Collect:

In the past 12 months, we have collected the following categories of personal information:

• Identifiers (name, email, phone number, IP address)
• Professional or employment-related information (insurance license, NPN, experience)
• Internet or electronic network activity (pages visited, clicks, time on site)
• Geolocation data (state/region based on IP address)
• Communications (messages sent to us)

6. Data Security

We implement industry-standard security measures to protect your personal information, including encryption in transit (TLS/SSL), access controls, and secure data storage. However, no method of transmission over the internet is 100% secure. We cannot guarantee the absolute security of your data.

If you believe your information has been compromised, please contact us immediately at support@coveragent.ai.

7. Cookies & Tracking Technologies

We use cookies and similar technologies to:

• Keep you logged in and remember your preferences
• Analyze website traffic and usage patterns through analytics tools we may use from time to time
• Track affiliate and advertising referrals through attribution tools we may use from time to time
• Improve platform performance and personalization

You can control cookies through your browser settings. Disabling cookies may affect certain features of the platform.

8. Data Retention

We retain your personal information only for as long as necessary to provide services, operate the platform, comply with legal obligations, resolve disputes, and enforce agreements. When data is no longer needed, we securely delete or anonymize it.

9. Children's Privacy

Cover Agent AI is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us personal information, we will delete it promptly. If you believe a minor has submitted information, contact us at support@coveragent.ai.

10. Third-Party Links

Our platform may contain links to third-party websites (e.g., BackNine, carrier portals, NIPR.gov). We are not responsible for the privacy practices of these sites and encourage you to review their privacy policies independently.

11. Insurance-Specific Disclosures

Cover Agent AI is a technology platform owned by Everest Wealth Builder LLC (Annapurna Insurance Solutions), a licensed insurance agency (NPN: 21571071). Information you submit for the purpose of agent contracting will be shared with BackNine and relevant insurance carriers as necessary to complete the contracting process. This data is subject to those parties' privacy practices and applicable insurance regulations.

Insurance products and carrier availability vary by state. We comply with applicable state insurance marketing regulations, including disclosure requirements set by state Departments of Insurance.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the platform after changes constitutes your acceptance of the updated policy.

13. Contact Us

For any privacy-related questions, requests, or concerns, please contact us:

• Company: Everest Wealth Builder LLC (Annapurna Insurance Solutions)
• Platform: Cover Agent AI
• Address: 1900 Powell Street, Suite 700, Emeryville, CA 94608
• Email: support@coveragent.ai
• NPN: 21571071

For CCPA-specific requests, please include "CCPA Request" in the subject line of your email.