Last updated: September 12, 2026  |  Effective date: September 12, 2026

1. Introduction

Smart Coverage Protect ("we", "us", "our") operates smartcoverageprotect.com and provides insurance brokerage and financial services from our office at 18019 E Park Dr, Cleveland, OH 44119, USA. This Privacy Policy explains what personal information we collect, why we collect it, how we protect it and the choices available to you.

We are committed to handling your information responsibly and transparently. By using our website, requesting a quote, subscribing to our newsletter or otherwise engaging our services, you acknowledge that you have read and understood this policy. If you do not agree with any part of it, please do not use the site or submit information through it.

2. Information We Collect

We collect information that you provide directly to us and information that is generated automatically as you interact with our website.

Information you give us

  • Identity and contact data: name, email address, postal address, ZIP code and telephone number submitted through our quote, contact, subscribe or unsubscribe forms.
  • Insurance risk data: property address, vehicle details, household composition, date of birth, occupation, pet details or business information supplied when you request a quotation.
  • Communication data: the content of messages, questions, feedback or claim information you send to us by email, phone or our web forms.
  • Marketing preferences: the topics you select and your subscription status, including any unsubscribe request.

Information collected automatically

  • IP address, browser type, device type, operating system and referring URL.
  • Pages viewed, links clicked and the time spent on individual pages.
  • Approximate geographic region derived from your IP address.

3. How We Use Information

We use the information described above for the following purposes:

  • Preparing, underwriting and delivering quotes for home, health, auto, life, pet, business and travel insurance.
  • Responding to enquiries, scheduling appointments and providing customer support.
  • Placing and servicing policies with the insurance carriers you choose, and assisting with claims.
  • Sending our weekly newsletter and other communications you have asked to receive.
  • Meeting legal, regulatory, licensing, anti-fraud and record-keeping obligations that apply to insurance brokers.
  • Improving our website, forms and service quality through aggregated and anonymised analytics.
  • Detecting, preventing and investigating fraudulent or unlawful activity.

We rely on your consent where required, on the performance of a contract for services you request, and on our legitimate business interests in operating and improving our brokerage. We do not use automated decision-making that produces legal effects without human review.

4. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to remember your preferences, keep forms working correctly and measure aggregate site performance. Essential cookies are necessary for the site to function; analytics cookies help us understand which pages are useful to visitors.

You can control or delete cookies through your browser settings at any time. Blocking all cookies may affect the functionality of certain features, including form validation and remembering your service selection. We do not use cookies to build advertising profiles or to sell audience data.

5. How We Share Information

We share personal information only as needed to deliver the services you request, and never sell it. Categories of recipients include:

  • Insurance carriers and managing general agencies that quote, underwrite or issue your policy.
  • Service providers that host our website, deliver email, provide customer relationship management systems or support our operations under written confidentiality obligations.
  • Professional advisers such as accountants, auditors and lawyers where necessary.
  • Regulators, law enforcement and courts where we are legally required to disclose information.
  • Successors in the event of a merger, acquisition or sale of assets, subject to equivalent privacy protections.

6. Data Security and Retention

We apply administrative, technical and physical safeguards appropriate to the sensitivity of the information we hold, including encrypted transmission, access controls, staff confidentiality training and vendor due diligence. No method of transmission or storage is perfectly secure, so we cannot guarantee absolute security — however we will notify affected individuals and regulators where a breach affecting personal information is confirmed, as required by applicable law.

We retain quote enquiries for up to three years, active policy records for the period required by insurance regulation in the relevant state (typically five to seven years after the policy ends), and newsletter subscription data until you unsubscribe or request deletion.

7. Your Privacy Rights

Depending on your state of residence, you may have some or all of the following rights:

  • To know what personal information we hold about you and request a copy.
  • To correct inaccurate information.
  • To request deletion of information we are not legally required to keep.
  • To opt out of the sale or sharing of personal information — note that we do not sell personal information.
  • To withdraw consent to marketing at any time, without affecting our ability to service an existing policy.
  • To be free from discrimination for exercising these rights.

To exercise any right, email contact@smartcoverageprotect.com or call +1 216-481-2151. We will verify your identity and respond within the timeframe required by applicable law, usually 45 days.

8. Marketing Communications and Unsubscribing

You will only receive our newsletter if you have subscribed or otherwise opted in. Every marketing email contains an unsubscribe link, and you can also use the unsubscribe form on this website. Requests are processed within 24 hours. Please note that transactional and policy-related communications (for example, renewal notices, claim updates and documents) are not marketing and will continue while you hold a policy with us.

9. Children's Privacy

Our website and services are intended for adults. We do not knowingly collect personal information from children under 16. If you believe a child has submitted information to us, please contact us and we will delete it promptly.

10. Third-Party Links

Our website may link to carrier portals, mapping services and other third-party sites. We are not responsible for their content or privacy practices. We encourage you to review the privacy policy of any external site before submitting personal information.

11. Changes To This Policy

We may update this policy periodically to reflect changes in our practices or the law. The "last updated" date at the top of this page will always show the most recent revision. Material changes affecting how we use your information will be communicated by email to subscribers or by a prominent notice on the website.

12. Contact Us

If you have questions, concerns or complaints about this policy or our handling of your information, please contact us:

Privacy Enquiries