Kovered By Kalck

Section 01

Who we are.

This Privacy Policy explains how Kovered By Kalck Insurance ("Kovered By Kalck," "we," "our," "us"), owned and operated by Sarah Kalck, Licensed Health Advisor, collects, uses, shares, and safeguards personal information when you interact with our health insurance consultation services, websites, social media advertisements, and lead generation forms (the "Services"). We serve individuals, families, and self-employed professionals across 28 states seeking private health, dental, and vision coverage.

Section 02

Information we collect.

When you submit a lead form through our website, Meta (Facebook/Instagram) advertisements, or other marketing channels, we may collect the following categories of information:

• Identification & Contact: name, email address, phone number, mailing address.
• Insurance Inquiry Details: current insurance status, employment type (e.g., self-employed, 1099 contractor, business owner, employed), state of residence, coverage needs, and household information you voluntarily provide.
• Lead & Campaign Data: the source of your inquiry (e.g., which advertisement or form you submitted), timestamps, and engagement data.
• Telecom & Messaging: phone numbers provided or verified (including via SMS one-time passcode verification), opt-in and opt-out status for calls and text messages, and STOP/HELP logs.
• Usage & Device: IP address, device and browser information, cookies, pages viewed, timestamps, and session diagnostics.
• Third-Party Sources (where permitted): data from CRM and automation systems (e.g., GoHighLevel), analytics platforms, and Meta advertising tools.

Some information may be pre-filled by Meta from your social media profile when you submit a lead form. You have the opportunity to review and edit this information before submitting.

Section 03

How we use your information.

We process your information to:

• Contact you by phone, email, or text message to schedule and conduct your free health insurance consultation with Sarah.
• Match you with private health, dental, and vision plan options available in your state.
• Provide personalized quotes, coverage comparisons, and carrier recommendations.
• Manage lead routing, appointment scheduling, and follow-up communications.
• Operate compliant calling and texting tools, including TCPA guardrails and opt-out handling.
• Improve our Services, advertisements, and user experience through analytics.
• Detect and prevent fraud, abuse, and unauthorized access.
• Comply with legal and regulatory requirements.
• (With appropriate consent) send marketing communications — you may unsubscribe at any time.

Legal bases (GDPR if applicable): performance of a contract, legitimate interests (service delivery, security, analytics), legal compliance, and consent (where required).

Section 04

Cookies & similar technologies.

We use cookies, pixels (including the Meta Pixel), and local storage for analytics, advertising optimization, session continuity, and fraud prevention. You can control cookies via your browser settings; disabling some cookies may affect functionality. "Do Not Track" signals are not acted on at this time.

Section 05

Information sharing.

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

• Insurance Carriers & Underwriters: we share your contact and inquiry information with the carriers needed to quote, present, and ultimately enroll you in a plan you choose.
• Service Providers & Processors: hosting, CRM (e.g., GoHighLevel), telecom, analytics, and support tools under confidentiality and data-processing obligations.
• Telecom & Messaging Partners: to deliver calls, text messages, and verify phone numbers.
• Compliance & Legal: if required by law, regulation, subpoena, or to protect rights and safety.
• Business Transfers: in mergers, acquisitions, financing, or sale of assets (subject to successor obligations).
• Your Direction: integrations you connect or recipients you designate.

Where a U.S. state law (e.g., California CPRA) defines "share" for cross-context behavioral advertising, we do not engage in such "sharing." If that changes, we will provide required opt-out mechanisms.

Section 06

Data retention.

We keep personal information only as long as necessary for the purposes described above, including legal, tax, accounting, audit, dispute-resolution, fraud-prevention, and compliance requirements. We may retain aggregated or de-identified data indefinitely.

Section 07

Security.

We implement administrative, technical, and physical safeguards appropriate to the nature of the data (e.g., encryption in transit, access controls, least-privilege, audits). No method is 100% secure, and we cannot guarantee absolute security.

Section 08

Your rights & choices.

Depending on your jurisdiction, you may have rights to:

• Access or know the categories and specific pieces of personal information we hold.
• Correct inaccuracies in your personal information.
• Delete certain data (subject to legal exceptions).
• Port your data to another service.
• Opt out of marketing communications, calls, or text messages.
• Limit use of sensitive data where applicable by law.
• Appeal a refusal (in some states).

To exercise your rights, contact us using the information below. We may verify your identity and request additional details. Authorized agents may submit requests per applicable law.

Section 09

International transfers.

If you access the Services from outside the United States, your data may be processed in the U.S. and other countries. Where required, we use appropriate transfer mechanisms (e.g., Standard Contractual Clauses).

Section 10

Children's privacy.

The Services are not intended for individuals under 18. We do not knowingly collect data from children. If you believe a minor has provided data, contact us and we will delete it where required.

Section 11

Changes to this policy.

We may update this Policy to reflect operational, legal, or regulatory changes. Material changes will be notified via the Services or by email, with the "Last Updated" date revised.

Section 12

Contact us.

If you have questions about this Privacy Policy or wish to exercise your rights, please reach out: