Privacy Policy

Introduction

Checkmate ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our COI validation platform and related services.

Please read this Privacy Policy carefully. By using the Service, you consent to the collection, use, and disclosure of your information as described herein.

Information We Collect

Personal Information

We collect information that you provide directly to us, including:

• Account information (name, email address, company name)
• Contact information for vendors and subcontractors
• Billing and payment information
• Communications with our support team

Insurance Documents

When you or your vendors upload certificates of insurance, we collect and process the information contained in those documents, including:

• Insured party names and addresses
• Insurance carrier information
• Policy numbers and coverage limits
• Policy effective and expiration dates
• Additional insured endorsements

Automatically Collected Information

When you access the Service, we automatically collect certain information, including:

• Device and browser information
• IP address and location data
• Usage patterns and feature interactions
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Service
• Process and validate insurance documents using AI technology
• Send expiration alerts and compliance notifications
• Process payments and manage subscriptions
• Respond to your inquiries and provide customer support
• Detect, prevent, and address technical issues and fraud
• Improve our AI models and document processing accuracy

AI & Document Processing

Our Service uses artificial intelligence to extract and analyze information from uploaded insurance documents. This processing is essential to providing our core service functionality.

We may use anonymized and aggregated document data to improve our AI models' accuracy. This data cannot be used to identify individual users or their specific insurance information.

Information Sharing

We may share your information in the following circumstances:

With Your Consent

We may share information when you give us explicit consent, such as when sharing compliance reports with project stakeholders.

Service Providers

We share information with third-party vendors who perform services on our behalf, including cloud hosting, payment processing, email delivery, and AI document processing.

Legal Requirements

We may disclose information if required by law, court order, or governmental authority, or when necessary to protect our rights, safety, or property.

Business Transfers

In connection with a merger, acquisition, or sale of assets, your information may be transferred as a business asset, subject to the terms of this Privacy Policy.

Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of data in transit (TLS 1.3) and at rest (AES-256)
• Regular security audits and penetration testing
• Access controls and authentication mechanisms
• SOC 2 Type II certified infrastructure

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

Data Retention

We retain your information for as long as your account is active or as needed to provide the Service. We also retain information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements.

Uploaded insurance documents are retained for 7 years after upload or until you request deletion, whichever is shorter. This retention period aligns with common construction industry record-keeping requirements.

Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your data
• Portability: Request a machine-readable export of your data
• Opt-out: Opt out of certain data processing activities

To exercise these rights, please contact us at team@withcoverage.com.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how it is used, the right to request deletion, and the right to opt-out of the sale of personal information.

We do not sell personal information. To submit a CCPA request, contact us at team@withcoverage.com.

Cookies & Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and assist in our marketing efforts. You can control cookie preferences through your browser settings, though some features of the Service may not function properly without cookies.

Children's Privacy

The Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will delete that information promptly.

International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers, including Standard Contractual Clauses approved by the European Commission.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: