Terms & Conditions

TERMS AND CONDITIONS OF USE & PRIVACY POLICY
MI COVERAGE PRO
(A DBA of Cooper Irby Brewster Professional Services, a Licensed Insurance Agency)
Michigan License #0115470 | NPN #18735299

1. EXPRESS CONSENT TO COMMUNICATIONS
By submitting your personal information through this website or affiliated digital platforms (collectively, the "Service"), you hereby provide your express written consent, in accordance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and applicable state telemarketing laws, for MI Coverage Pro, its subsidiaries, affiliates, partners, and authorized third-party insurance providers (collectively, "Authorized Representatives") to contact you regarding your insurance inquiry or related products/services. Such contact may include, but is not limited to:

• Telephonic communications (including prerecorded or artificial voice messages)
• SMS/MMS text messaging (message and data rates may apply)
• Electronic mail transmissions
• Other permissible digital communication methods

NOTICE: Your consent applies even if the provided telephone number is currently listed on any state or federal Do Not Call registry. You may revoke this consent at any time by submitting a written opt-out request to [designated contact information].

2. LEAD GENERATION & THIRD-PARTY DATA SHARING AUTHORIZATION
By utilizing this Service, you acknowledge and agree that:

a) Data Sharing with Insurance Providers: Your submitted information, including personally identifiable information (PII) as defined by the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801 et seq., may be transmitted to multiple insurance carriers, underwriting entities, and/or licensed insurance professionals for the purpose of generating competitive insurance quotations.

b) Potential Sale of Information: Pursuant to the California Consumer Privacy Act (CCPA), Cal. Civ. Code § 1798.100 et seq., and similar state statutes, you are hereby notified that MI Coverage Pro may receive financial compensation for the transfer of your contact information and insurance needs to third-party insurance providers. This constitutes a "sale" under certain jurisdictional definitions.

c) Marketing Purposes: You expressly authorize the use of your information for marketing purposes, including but not limited to future insurance product offerings, policy renewals, and related financial services.

3. PROPRIETARY DATA COLLECTION & USE
All information collected through this Service shall be considered proprietary business information of MI Coverage Pro. Such data is collected for the sole and exclusive purpose of:

• Providing accurate insurance quotations
• Determining eligibility for insurance products
• Complying with underwriting requirements
• Fulfilling regulatory obligations
• Facilitating potential policy issuance

4. NO GUARANTEE OF COVERAGE OR RATES
Submission of information through this Service:

a) Does not constitute a binding application for insurance coverage
b) Does not guarantee insurance policy issuance
c) Does not assure qualification for any particular premium rate

Final coverage terms and premium amounts are subject to:

• Complete underwriting review
• Verification of submitted information
• Payment of required premiums
• Satisfaction of all insurer-specific eligibility criteria

5. PRIVACY POLICY DISCLOSURES

A. Information Collection Practices
We collect the following categories of personal information:

1. Identifiers (name, address, email, phone number)
2. Commercial information (insurance needs, current coverage)
3. Internet/network activity (cookies, IP addresses)
4. Protected classifications (age, marital status where required)

B. Data Retention & Security
Personal information will be retained for the longer of:

• The period necessary to fulfill the purposes outlined herein
• Any legally mandated retention period under state or federal law
• The statute of limitations for potential legal claims

We implement reasonable administrative, technical, and physical safeguards compliant with GLBA standards to protect your information.

C. Consumer Rights (CCPA & State-Specific Provisions)
California residents may exercise the following rights:

• Right to know what personal information is collected
• Right to delete personal information (with exceptions)
• Right to opt-out of the "sale" of personal information
• Right to non-discrimination for exercising these rights

To submit requests, contact: [designated email/phone]. Verification procedures will be implemented to prevent fraudulent requests.

6. LICENSING & REGULATORY COMPLIANCE
MI Coverage Pro operates as a duly licensed insurance agency in the State of Michigan (License #0115470) and maintains proper registration with the National Producer Number (NPN #18735299) system. All insurance transactions are conducted in compliance with:

• Michigan Insurance Code
• NAIC Model Regulations
• Applicable federal insurance laws

7. GENERAL PROVISIONS

a) Entire Agreement: These Terms constitute the complete agreement between you and MI Coverage Pro regarding the subject matter herein.

b) Amendment: We reserve the right to modify these Terms at any time. Continued use of the Service constitutes acceptance of revised terms.

c) Governing Law: These Terms shall be governed by Michigan law, with venue for disputes in [County], Michigan.

d) Severability: If any provision is found invalid, the remainder shall remain in full force and effect.

EFFECTIVE DATE: 4/23/2025
LAST UPDATED: 4/23/2025

1. Types of Data Collected Automatically
   We use the following tracking technologies:
   
   • Essential Cookies: Required for site functionality (e.g., session cookies for quote forms).
   • Analytics Cookies: Google Analytics, Meta Pixel, etc., to track:
     
     • IP addresses
     • Page views/time spent
     • Clickstream data
   • Advertising Cookies: Retargeting tools (e.g., Google Ads) to serve personalized ads.

1. Third-Party Data Sharing
   
   • Cookie data may be shared with:
     
     • Advertising networks (e.g., Google, Facebook)
     • Analytics providers
     • Lead verification services

1. User Controls
   
   • Opt-Out Options:
     
     • Browser settings (disable cookies via Chrome/Firefox/Safari)
     • GDPR/CCPA opt-out tools (e.g., [Your Privacy Portal Link])
     • Do Not Track (DNT) signals are acknowledged but not fully honored due to industry standards.