Privacy Policy

We collect only the information necessary to provide insurance services and process claims. We never sell your personal data to third parties.

Your trust is essential to our mission of providing affordable insurance to our policyholders.

We collect the following types of information:

Account Information:

• Full name
• Email address
• Phone number (optional)
• Date of birth (optional)
• Region and country of origin (optional)
• Wallet address (Phantom wallet on Solana)
• Language preference

Emergency Contact (optional):

• Contact name, phone number, and relationship

Policy and Beneficiary Information:

• Plan selection and policy details
• Beneficiary name, wallet address, relationship, phone, and email
• Payment transaction signatures

Claims Information:

• Incident description and date
• Supporting details and uploaded documents

Technical Information (via server logs):

• IP address and device type
• Browser type and language settings

When you pay premiums using USDT on Solana:

• Your wallet address becomes publicly visible
• Payment amounts and timestamps are permanently recorded
• Anyone can view this transaction history using blockchain explorers
• We cannot delete, hide, or modify these blockchain records

This transparency is inherent to blockchain technology and enables verification of USDT premium payments.

We use your information to:

• Provide insurance coverage and verify premium payments
• Process and review insurance claims
• Send important notifications about your policy
• Verify eligibility for coverage
• Comply with legal and regulatory requirements
• Improve our platform and user experience
• Prevent fraud and ensure platform security

We do not use your information for marketing purposes without explicit consent.

We share your information only when necessary:

With Service Providers:

• Cloud hosting providers for data storage
• Email service providers for notifications
• Payment verification services for blockchain transactions

For Legal Compliance:

• When required by law or legal process
• To protect rights, safety, or property
• To investigate fraud or security issues

With Your Consent:

• When you explicitly authorize sharing
• When sharing is necessary to fulfill your requests

We never sell your personal information to advertisers or data brokers.

We keep your information as long as needed to provide our services and follow the law.

• Active policies: Kept while your policy is active
• Cancelled policies: Kept as required by law
• Blockchain records: Permanent — cannot be deleted

You can ask us to delete your account data at coveryou@10bms.com. Blockchain records cannot be deleted.

We protect your information using industry-standard security measures:

• Encrypted data transmission (HTTPS/TLS)
• Secure database storage with access controls
• Regular security audits and updates
• Employee training on data protection
• Limited access to personal information

However, no system is completely secure. You are responsible for protecting your wallet private keys and access credentials.

Depending on your location, you may have these rights:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your account data (excluding blockchain records and legally required data)
• Objection: Object to certain data processing activities
• Portability: Request your data in a portable format

To exercise these rights, contact us at coveryou@10bms.com.

Note: We cannot delete blockchain transaction records, as they are permanent public records.

We use only essential cookies required to operate the service:

• Session cookie (payer_session): Keeps you signed in for up to 90 days
• Language cookie (language): Remembers your preferred language
• Flash message cookie (toast): Short-lived cookie (a few seconds) for displaying status messages
• Signup cookie (registration_session): Temporary cookie (15 minutes) used only during account creation

We do not use analytics cookies, advertising cookies, or any third-party tracking technologies.

Your information may be transferred to and stored in countries outside your residence, including servers in the United States and Asia.

We ensure appropriate safeguards are in place for international transfers, including:

• Standard contractual clauses with service providers
• Compliance with GDPR and other privacy regulations
• Encryption of data in transit and at rest

Cover You is not intended for individuals under 18 years of age. We do not knowingly collect information from children.

If we discover we have collected information from a child, we will delete it immediately. If you believe we have collected information from a child, contact us at coveryou@10bms.com.

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements.

Material changes will be communicated via email or dashboard notification at least 30 days before taking effect.

Continued use of Cover You after changes constitutes acceptance of the updated Privacy Policy.

For privacy questions, concerns, or to exercise your rights, contact us:

Privacy Team: coveryou@10bms.com
General Support: coveryou@10bms.com

We will respond to privacy requests within 30 days.