Not legal advice. This Privacy Policy is provided to inform users of our data practices. For questions about your specific legal rights, consult a licensed attorney in your jurisdiction.
1. Who We Are
Olive Insurance Services, LLC dba Olive Cover ("Olive Cover," "we," "us," or "our") is an independent property and casualty insurance agency. Agency NPN: 22116940. Producer NPN: 2790083. Licensed in Georgia. Principal office: 6470 East Johns Crossing, Suite 160, Johns Creek, GA 30097. Email: hello@olivecover.com. We operate olivecover.com (the "Site"). This Privacy Policy describes how we collect, use, disclose, and protect personal information we receive through this Site and in the course of providing insurance services.
2. Information We Collect
Information you provide directly:
- Contact information: name, email address, phone number, mailing address
- Property information: address, year built, construction type, square footage, current insured value
- Vehicle information: year, make, model, VIN, drivers and their license information
- Insurance history: current carrier, coverage limits, claims history, policy documents you upload
- Business information: for commercial insurance inquiries, business type, revenue, employee count, operations description
- Communications you send us via forms, email, or phone
Information collected automatically:
- Log data: IP address, browser type and version, pages visited, referring URL, time and date of visit
- Device information: device type, operating system
- Cookies: we use functional cookies necessary to operate the Site. We do not use advertising or cross-site tracking cookies.
Sensitive personal information we may collect in the insurance context: date of birth, Social Security Number (for policy applications only, transmitted directly to carriers), credit-related information (where permitted by state law), prior claims and loss history, and information about your property, vehicles, and business operations.
3. How We Use Your Information
We use personal information to:
- Respond to coverage review requests, quote inquiries, and other service requests
- Obtain insurance quotes from carriers on your behalf
- Submit insurance applications to carriers with your explicit authorization
- Communicate with you about your coverage, renewals, and policy changes
- Comply with applicable state insurance laws, licensing requirements, and regulatory obligations
- Maintain records as required by Georgia insurance regulations
- Improve our services and website functionality
- Respond to legal process and regulatory inquiries
We do not use your information for automated decision-making that produces legal or similarly significant effects without human review.
4. Legal Basis for Processing (Where Applicable)
We process personal information based on: (a) performance of a contract or pre-contractual steps at your request; (b) our legitimate interests in operating a licensed insurance agency; (c) compliance with legal obligations under Georgia insurance law; and (d) your consent, where we have obtained it. You may withdraw consent where it is the stated basis, but this may affect our ability to provide services.
5. Information Sharing and Disclosure
We share personal information only as follows:
- Insurance carriers: We share information necessary to obtain quotes and bind coverage on your behalf. Each carrier is subject to its own privacy practices and applicable insurance regulations.
- Agency management system: We use Vertafore QQCatalyst to manage client records and policy information, subject to confidentiality obligations.
- Service providers: We may share data with technology providers, communication platforms, and other vendors who support our operations, under contracts requiring them to protect your information.
- Regulatory and legal requirements: We disclose information when required by applicable law, court order, or regulatory request, including to the Georgia OCI.
- Business transfers: In the event of a merger, acquisition, or sale of substantially all assets, your information may be transferred as part of that transaction, subject to the terms of this Policy.
We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. We do not sell personal information as defined under applicable law.
6. Data Retention
We retain personal information for as long as necessary to provide services, comply with our legal obligations under Georgia insurance record-keeping requirements (typically five to seven years following policy expiration or termination), resolve disputes, and enforce our agreements. When retention is no longer necessary, we delete or anonymize personal information.
7. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, alteration, and destruction. Site forms use encrypted HTTPS connections. However, no internet transmission or electronic storage system is completely secure. We cannot guarantee absolute security and disclaim liability for security breaches to the extent permitted by applicable law. In the event of a data breach affecting your information, we will notify you as required by applicable state law, including Georgia's data breach notification law (O.C.G.A. Section 10-1-912).
8. State-Specific Privacy Rights
Georgia Residents
Georgia insurance consumers have rights under Georgia's Insurance Information and Privacy Protection Act (O.C.G.A. Title 33, Chapter 39), which governs the collection, use, and disclosure of personal information in connection with insurance transactions. These rights include:
- Right of Access: The right to request access to recorded personal information held in connection with an insurance transaction.
- Right to Correct: The right to request correction of inaccurate information.
- Right to Notice: The right to receive notice of information practices at the time of an insurance transaction.
Georgia does not currently have a comprehensive consumer data privacy law. Residents may contact the Georgia Office of Commissioner of Insurance (oci.georgia.gov) with complaints about information practices in the context of insurance transactions.
Future States
As Olive Cover expands licensure, this section will be updated to address the privacy laws of each additional state. States with active comprehensive data privacy laws (Virginia, Colorado, Texas, Florida, etc.) will have specific provisions added when Olive Cover becomes licensed there. This Privacy Policy will be updated and the effective date revised.
9. Federal Privacy Notices
As a licensed insurance agency, Olive Cover provides required federal privacy disclosures under the Gramm-Leach-Bliley Act (GLBA) and applicable FTC regulations. We do not share your nonpublic personal financial information with nonaffiliated third parties for marketing purposes. Our information sharing practices are limited to those described in Section 5 above, which fall within the GLBA's permitted exceptions. A separate GLBA Notice will be provided to you at the initiation of the customer relationship and annually thereafter as required by applicable regulations.
10. Children's Privacy
This Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected such information, we will promptly delete it. If you are a parent or guardian and believe your child has submitted information to us, contact us at hello@olivecover.com.
11. Cookies and Tracking
We use cookies that are necessary for the Site to function. We do not use advertising cookies, retargeting pixels, or cross-site tracking technologies. We do not share browsing information with third-party advertisers. You may disable cookies through your browser settings, but this may affect Site functionality. We do not respond to Do Not Track signals at this time, as no industry standard exists for this technology.
12. Changes to This Policy
We may update this Privacy Policy at any time. We will post the updated policy with a revised effective date. For material changes affecting how we use personal information, we will provide notice by email (to the address associated with your records, if applicable) or by a prominent notice on the Site. Continued use of the Site after the effective date constitutes acceptance of the updated Policy.
13. How to Contact Us
To exercise your privacy rights, submit a request, or ask questions about this Policy:
- Email:hello@olivecover.com (subject line: "Privacy Request")
- Mail: Olive Insurance Services, LLC, Attn: Privacy Officer, 6470 East Johns Crossing, Suite 160, Johns Creek, GA 30097
- Phone: (678) 888-1011, Monday to Friday 9:00am to 6:00pm Eastern Time
Regulatory contacts: Georgia Office of Commissioner of Insurance: oci.georgia.gov, (800) 656-2298.
