Your privacy is critically important to us. This policy explains how TrueCover Life collects, uses, and protects your personal information.
Welcome to TrueCover Life ("we," "us," "our," or "TrueCover"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website truecover.life (the "Site"), use our services, or interact with us in any capacity.
By accessing or using our Site and services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.
Important: This Privacy Policy applies to information collected through our website, telephone communications, email, and any other means by which you interact with TrueCover Life.
We collect several types of information from and about users of our Site and services, including:
Information that identifies you personally, including but not limited to:
Protected Health Information (PHI) under HIPAA, including:
Financial data necessary for underwriting and payment processing:
Automatically collected when you use our Site:
We use the information we collect for various purposes, including:
To evaluate your eligibility, process applications, obtain quotes from insurance carriers, and facilitate policy issuance and underwriting.
To respond to inquiries, provide customer support, send policy updates, renewal notices, and important service communications.
To comply with federal and state insurance regulations, maintain records as required by law, and respond to legal processes and government requests.
To improve our services, analyze website usage, conduct market research, and optimize our business operations and user experience.
To detect and prevent fraud, unauthorized access, and other illegal activities, and to protect the rights and safety of TrueCover and our users.
To send promotional materials, newsletters, and information about products and services that may interest you. You can opt-out at any time.
We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction.
256-bit SSL/TLS encryption for all data transmitted between your browser and our servers
Encrypted databases and secure servers with restricted access controls
Limited employee access on a need-to-know basis with multi-factor authentication
Ongoing security assessments, penetration testing, and compliance audits
Please Note: While we take reasonable measures to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any activity under your account.
You have certain rights regarding your personal information. Depending on your location, these rights may include:
You have the right to request access to the personal information we hold about you and receive a copy of that information.
You may request that we correct any inaccurate or incomplete personal information we have about you.
You may request deletion of your personal information, subject to certain exceptions required by law or for legitimate business purposes (such as maintaining policy records).
You can unsubscribe from marketing communications at any time by:
You may request that we limit how we use your personal information under certain circumstances.
You may request a copy of your personal information in a structured, commonly used, and machine-readable format.
To exercise any of these rights, please contact us at:
We will respond to your request within 30 days of receipt and verification of your identity.
Our Site may contain links to third-party websites, applications, and services that are not operated by TrueCover Life.
We are not responsible for the privacy practices or content of third-party websites or services. These third parties have their own privacy policies, and we encourage you to review them before providing any personal information.
Links to third-party sites do not constitute an endorsement by TrueCover Life.
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18 without verifiable parental consent.
If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us immediately at [email protected].
Upon verification, we will take steps to delete such information from our systems as required by the Children's Online Privacy Protection Act (COPPA) and other applicable laws.
Residents of certain states have additional privacy rights under state law:
Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have specific rights:
Note: TrueCover Life does not sell personal information to third parties for monetary consideration. To exercise your California privacy rights, contact us at [email protected] or call (954) 947-0955.
Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and Utah (UCPA) have similar rights including:
Nevada residents have the right to opt-out of the sale of certain personal information under Nevada Revised Statutes Chapter 603A. contact us at [email protected] with "Nevada Opt-Out"
TrueCover Life is based in the United States and our services are primarily intended for users located in the United States. Your information will be processed and stored in the United States, where data protection laws may differ from those in your country of residence.
By using our Site and services, you consent to the transfer of your information to the United States and acknowledge that U.S. law will govern the processing of your data.
If you are located in the EEA or UK, you have additional rights under the General Data Protection Regulation (GDPR), including:
For questions about GDPR compliance, contact our Data Protection Officer at [email protected].
We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by:
Your Continued Use: Your continued use of our Site and services after the effective date of any changes constitutes your acceptance of the revised Privacy Policy. If you do not agree with the changes, you must stop using our services and contact us to close your account.
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
We are committed to resolving privacy concerns promptly. We will respond to your inquiry within 30 days of receipt.
We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance records are typically retained for 7-10 years or as required by applicable law and regulatory requirements.
Information regarding your insurability may be provided to the Medical Information Bureau (MIB). If you apply for life insurance coverage or a claim for benefits is submitted, MIB may supply information about you to other insurance companies for their underwriting and claims review purposes.
Some web browsers have a "Do Not Track" feature that signals websites you visit that you do not want to have your online activity tracked. Our Site does not currently respond to DNT signals or similar mechanisms.
TrueCover Life complies with all applicable state and federal insurance laws, including requirements under the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), and state insurance privacy regulations.
Your privacy is our priority. We are committed to protecting your personal information and maintaining the highest standards of data security and transparency.
Last Updated: December 16, 2025 | Effective Date: January 1, 2025