SMS Texts

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

SMS Terms

Upon messaging opt-in, the end user agrees to receive messages from Covyrd.com regarding updates, account notifications or marketing. End users can opt-out by replying STOP or request more information by replying “HELP”. Message frequency varies. Message and data rates may apply. If you need assistance or have questions about our SMS service, reply with “HELP” to any SMS message you receive, or contact our customer support team at [email protected].

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://covyrd.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

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 that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). 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, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also 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.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.

Promotional Giveaway Terms and Conditions

1. Overview
This promotional offer is sponsored by Covyrd.com. By participating in this giveaway, you (“Participant”) agree to be bound by these Terms and Conditions and the laws of your state of residence.

2. Eligibility

• Age: Participants must be 18 years of age or older.
• State Residency: This offer is only valid for legal residents of GA, FL, NC, MI, KS, OH, TX, VA, SC, TN, and MD.
• Exclusions: Employees of the Agency, its affiliates, and their immediate family members are not eligible.

3. No Purchase Necessary (Anti-Inducement Compliance)

• No Contingency: In accordance with state insurance laws, receipt of any gift card or promotional item is not contingent upon the purchase of an insurance policy, the renewal of a policy, or the receipt of an insurance quote.
• Equal Opportunity: Participation is open to the general public. No person is required to apply for insurance or refer others to the Agency to receive a promotional item.

4. State-Specific Prize Limits
Prizes will not exceed the maximum aggregate value allowed by state law in a 12-month period (no multiple giveaways to a single person within 1 year at the allowable amount).

• Up to $100: Georgia, Florida, North Carolina, Michigan, Kansas, and Ohio.
• Up to $25: Texas, Virginia, South Carolina, Tennessee, and Maryland.
• Note: In South Carolina, any physical promotional merchandise must have the Agency’s name or logo permanently printed on the item.

5. Gift Card Restrictions

• Non-Cash: Gift cards are provided as store-specific or merchant-specific cards and are not redeemable for cash, except where required by law.
• No Cash Equivalents: Per regulatory guidelines, general-purpose prepaid debit cards (e.g., Visa, Mastercard) may be substituted with specific merchant gift cards to comply with state “cash-equivalent” prohibitions.
• Expiration: Use of the gift card constitutes acceptance of the issuer’s terms. The Agency is not responsible for lost or stolen cards.

6. Referral Programs
If this giveaway is part of a referral program, please note that no referral fee or gift may be paid to an unlicensed person if that payment is dependent on the referral resulting in the purchase of an insurance product.

7. Limitation of Liability
To the extent permitted by law, the Agency shall not be liable for any damages arising out of participation in this promotion or the use of any prize awarded.

8. Privacy
Information collected from Participants is used solely for the purpose of administering this promotion and will not be sold to third parties.