Privacy Policy

Effective Date: 03/01/2026

TheCoverageBrief.com (“Site”) is owned and operated by Essiel Express, LLC (“Company,” “we,” “us,” or “our”).

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit or use our Site.

By accessing or using the Site, you agree to this Privacy Policy.

1. Overview

The Coverage Brief is a digital publication and referral platform. We provide educational content and, upon request, may connect users with licensed third-party professionals.

We do not issue insurance policies, bind coverage, or act as an insurance carrier.

2. Information We Collect

A. Information You Voluntarily Provide

We may collect:

• Name

• Email address

• Phone number (if provided)

• Message content

• Information submitted through contact or referral forms

• Newsletter subscription details

You are responsible for the accuracy of information you submit.

B. Automatically Collected Information

When you visit the Site, we may automatically collect:

• IP address

• Browser type and version

• Device type

• Operating system

• Pages viewed

• Time spent on pages

• Referring/exit pages

• Approximate geographic location (derived from IP)

C. Cookies and Tracking Technologies

We may use:

• Cookies

• Analytics tools

• Performance tracking tools

• Advertising pixels

These technologies help us improve site functionality and measure performance.

You may disable cookies through your browser settings. Some features may not function properly if cookies are disabled.

3. How We Use Your Information

We may use collected information to:

• Operate and maintain the Site

• Respond to inquiries

• Route referral requests to third-party licensed professionals (if requested)

• Send newsletters or updates you subscribed to

• Improve content and user experience

• Monitor security and prevent fraud

• Comply with legal obligations

• Enforce our Terms & Conditions

We do not use your information for purposes unrelated to site operations or requested referrals.

4. Referral Information Sharing

If you submit a request to be connected with a licensed professional:

• We may share the information you provide with one or more third-party licensed professionals.

• Those professionals may contact you directly.

• Any services provided by them are governed by their own terms and privacy policies.

We are not responsible for the privacy practices of third-party providers.

5. Communications (Email, Calls, SMS)

If you provide your contact information:

• You consent to receive communications related to your request.

• If you provide a phone number, you may receive calls or text messages where permitted by law.

• Message and data rates may apply.

• You may opt out of text messages by replying STOP.

• Consent is not a condition of purchase.

You may unsubscribe from marketing emails using the link provided in the email.

6. Data Sharing

We may share information with:

A. Service Providers

Vendors who assist with:

• Website hosting

• Analytics

• CRM systems

• Email delivery

• Security services

These vendors process information under contractual protections.

B. Legal Compliance

We may disclose information if required by law, court order, subpoena, or to:

• Protect our rights

• Investigate fraud

• Enforce agreements

• Ensure user safety

We do not sell personal information in the traditional sense.

7. Data Retention

We retain personal information only as long as reasonably necessary to:

• Respond to your inquiry

• Provide requested referral services

• Maintain business records

• Comply with legal obligations

• Resolve disputes

• Enforce agreements

8. Data Security

We implement reasonable administrative, technical, and organizational safeguards designed to protect information.

However, no internet transmission or storage system is completely secure. Use of the Site is at your own risk.

9. Children’s Privacy

The Site is not intended for individuals under 13 years of age. We do not knowingly collect personal information from children under 13.

If you believe a child has provided information, contact us to request deletion.

10. Your Privacy Rights

Depending on your state of residence, you may have rights including:

• Requesting access to personal data

• Requesting correction of inaccurate information

• Requesting deletion (subject to legal exceptions)

• Opting out of certain data sharing

To submit a request, contact:

support@thecoveragebrief.com

We may require verification of identity before processing requests.

11. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

Access third-party sites at your own risk.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. The Effective Date will reflect the latest revision.

Continued use of the Site after changes constitutes acceptance of the updated policy.

13. Contact

TheCoverageBrief.com is owned and operated by:

Essiel Express, LLC

If you have questions regarding this Privacy Policy, contact:

support@thecoveragebrief.com

For formal legal inquiries, please send an initial request via email to receive appropriate delivery instructions.