Privacy Policy
Last Updated: January 17, 2023 Effective Date: January 17, 2023
This policy describes how RFG Coverage, LLC, and its direct and indirect subsidiaries, sister companies, affiliates, and parent companies (“Quility,” “the Company,” “we”, “us”, or “our”) collect, use, and disclose Personal Information in connection with RFG Coverage websites (“Sites”) and mobile applications (“Apps”) (collectively, the “Services”) that link to this Privacy Policy. Certain services and websites may have different privacy policies that apply to that particular service or website (e.g., myquility.com). In such instances, you should review those policies when using such service or website. This Privacy Policy also tells you about your rights and choices with respect to your Personal Information, and how you can reach us to get answers to your questions. You can jump to particular topics by going to the headings below: Types of Personal Information We Collect
Sources of Personal Information
Use of Your Personal Information
Disclosure of Your Personal Information
Children’s Privacy
Cookies and Other Information Collecting Technologies
Do Not Track Signals
Data Retention
Linked Third-Party Sites
Your Choices and Rights
How We Protect Personal Information
Modifications to Our Privacy Policy
Contact Information
Types of Personal Information We Collect At RFG Coverage, we recognize and respect your privacy. “Personal Information” generally refers to any information that can be linked to an identified or identifiable person. The Personal Information that we collect about you varies depending on the context of our interactions with you. The following describes the types of Personal Information that we collect from you for our purposes and how we use that information. The term Personal Information also covers certain categories of “Sensitive” or “Special” Personal Information that often receive additional protections and/or are subject to additional restrictions under applicable laws. In this Privacy Policy, we refer to this information as “Sensitive.” Device Information We may automatically collect Device Information regarding use of or access to the Services, such as: The type of device you use to access the Services; The date and time you access the Services; The type of web browser you use to access the Services; The sections within the Services that you access; The Internet Protocol (“IP”) address (a number that is automatically assigned to a computer when the Internet is used); The user language; The operating system; The presence/absence of “flash” plug-ins; The screen resolution; and The connection type that you use to access the Services. In addition, we may collect location information through the use of technology when you use our Services, such as data associated with your IP address or other online or device identifier. If you do not want us to collect and use this information, you may be able to disable the location features on your device. Check your device manufacturer settings for information on how to do so.
This information (collectively, “Device Information”) does not, by itself, personally identify users. We use this Device Information to monitor the effectiveness of the Services, to help personalize your experience, and to consider potential improvements to the Services. Device Information may be collected through cookies or similar technologies. For more detailed information on cookies, please refer to the “Cookies and other Information Collecting Technologies” section below.
Personal Information Access to and/or use of some Services may require disclosure of certain Personal Information as further described below.
The categories and specific types of Personal Information that RFG Coverage may collect about you include:
Direct identifiers and contact information, including your name, address, phone number, email address, business contact information, or other similar identifiers. Demographic information, including race, ethnicity, gender, age, location, and user data obtained through surveys or questionnaires. Identifiers of our customers, third-party partners and collaborators, and their employees, with whom we may interact. Account registration information, such as your email address and password and user profile data provided when you create or update your account. Health-related information, such as information about a health condition or medical history as part of your use of the Services. Drug and alcohol use, as part of your use of the Services. Government identifiers, such as Social Security number, driver’s license, and other government identification documents (which may contain document numbers, birth date, gender, and photo). Payment or banking information, including credit card number, name on credit card, expiration date, security code, and billing address. Geolocation Data. Information you submit when you contact us for support. Sensitive (Special) Personal Information (where permitted and in accordance with applicable law), of the information listed above, social security number, passwords, racial or ethnic origin, and/or health information also qualify as Sensitive (special) Personal Information. The provision of the Personal Information, including Sensitive (special) Personal Information, listed above is voluntary. In certain instances, however, we will not be able to process your request for our Services without the requested Personal Information.
The following information may also be Personal Information depending on how it is used and linked with other information.
If you receive an email from us, we may use certain tools to capture data related to when you open our message or click on any links or banners it contains. Website or mobile App interactions, including how you interact with links you can click on, information that you type into online forms or information about your device or browser. Information about how you interact with our Services. This includes data such as access dates and times, app features or pages viewed, app crashes and other system activity, type of browser and third party sites or services used before interacting with our Services. Browser type, operating system, IP address, domain name, click-activity, referring website, and/ or a date/time stamp for visitors.
Sources of Personal Information We collect your Personal Information in the following ways, pursuant to applicable law:
Directly From You, when you use or purchase our Services, register for an account or create a profile, contact us, respond to a survey, sign up to receive emails, text messages, and/or postal mailings. Through Our Use of Cookies and Other Automatic Data Collection Technologies, when you visit our websites, use our mobile applications, open or click on emails we send you, or interact with our advertisements. We or third parties we work with automatically collect certain information using technologies such as cookies, web beacons, clear GIF, pixels, internet tags, web server logs, and other data collection tools. For more information, please see “Cookies and Online Interactions” section below. From Our Third Party Partners, including from third parties that we have partnered with to provide you the Services that you have requested from us. Other Sources, including data analytics providers or publicly available sources.
Use of Your Personal Information We may use your Personal Information for everyday business purposes, such as account management, contract administration, website management, corporate governance, and legal and regulatory reporting obligations.
We may use your Personal Information to provide you with the Services that you requested. This means that we may use your Personal Information to respond to your questions, process and fulfill your product orders, operate the Services, notify you when we think you may be interested in or eligible for certain Services (as permitted by applicable law), perform our obligations to you, perform the purchase contract for the products, items or services you have purchased or any other contract with us through the Services, and perform other actions based on your consent. We may use your Personal Information to respond and address feedback you provide us or if you contact us for support