Privacy Policy

Last Revised: February 1, 2026

Coverage with Karnowksi LLC ("Company", "we", "us", or "our") respects your privacy and is committed to protecting it through our compliance with this comprehensive policy. This Privacy Policy governs your access to and use of our website and services.

1. Information We Collect

We collect several types of information from and about users of our Website and Services, including:

Personally Identifiable Information (PII): Name, postal address, e-mail address, telephone number, and any other identifier by which you may be contacted online or offline.
Protected Health Information (PHI): Subject to strict HIPAA compliance protocols, we may collect age, tobacco usage status, and broad medical history required exclusively for actuarial assessment and carrier quoting.
Technical Data: IP addresses, browser specifications, time zone settings, operating systems, and usage metrics collected via standard server logs and cookies.

2. Data Utilization Protocols

We strictly utilize the information we collect to:

Fulfill the specific purpose for which you provided it (e.g., generating health insurance quotes).
Transmit necessary data points to licensed insurance carriers for underwriting and policy issuance.
Comply with federal and state insurance regulatory mandates.
Communicate via SMS, provided explicit, affirmative consent has been granted by the user.

3. Data Disclosure and Carrier Transmission

As a licensed brokerage, we must share specific data with insurance carriers to execute our services. We do NOT sell your personal data to third-party marketing agencies. Disclosures are limited to:

Contracted insurance carriers and their underwriting divisions.
Authorized compliance and auditing entities.
Legal authorities when compelled by a valid subpoena or court order.

4. Data Security Architecture

We have implemented robust, enterprise-grade security measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls, utilizing SSL/TLS encryption protocols for data in transit.

5. State-Specific Rights (CCPA / CPRA)

If you are a resident of California, Virginia, Colorado, or other states with comprehensive privacy laws, you possess specific rights regarding your personal information, including the right to request deletion, access, and correction of your data. To exercise these rights, submit a formal request to our compliance department at support@coveragewithkarnowskillc.com.

6. SMS/Text Messaging Policy

By opting into SMS communications, you acknowledge that data obtained through the shortcode program will not be shared with any third parties for their marketing reasons/purposes. You may revoke consent at any time by replying "STOP".

7. Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact our Data Protection Officer at: support@coveragewithkarnowskillc.com.