Privacy Policy

Smart Coverage Privacy Policy (United States)

Our Privacy Mission

Smart Coverage (“Smart Coverage,” “we,” or “us”) cares about the privacy of the information we collect about you. This Privacy Policy explains how and when we collect, use, protect, and share your personal information and the rights and choices you can exercise in relation to your personal information.

1. Scope of this Privacy Policy

This Privacy Policy applies to information we collect about you if you reside in the United States or its territories. You should not use the SC User Interfaces or the Services if you reside outside of the United States.

Smart Coverage collects and stores certain information from or about you that can be used to uniquely contact, identify, or locate you (“Personal Information“).

We collect Personal Information through your use of (i) Smart Coverage’s websites or landing pages (collectively, the “SC User Interfaces”), (ii) Alarm.com’s websites or mobile applications including the Alarm.com mobile application, that link to or otherwise display SC User Interfaces (collectively, the “Alarm.com User Interfaces”), (iii) security and automation devices connected to the Alarm.com User Interface which may qualify you for discounted premiums when you apply for or purchase an insurance policy through the SC Interfaces (each a “Protected Device”), and (iv) products or services provided to you or accessed via any SC User Interface (collectively, the “Services”).

2. When We Collect Personal Information

When You Provide Personal Information Directly to Us

You may directly provide us with Personal Information, when you (i) use the SC User Interfaces (including to request a Smart Coverage insurance quote), (ii) participate in our marketing campaigns (including contests, promotions, or other activities), (iii) contact us for support, or (iv) otherwise communicate with us (including by phone, email, text, or online live chat.

When Alarm.com or Your Authorized Service Provider Provides Personal Information Directly to Us

When you are an end-user of Alarm.com services, your authorized service provider (the company though which you subscribed to your Alarm.com services) may directly provide us with Personal Information about your account, such as its features, settings and devices, in order to personalize and customize the Services for you.

When Personal Information is Collected Through Your Use of the User Interfaces or Services

When you use the Alarm.com or SC User Interfaces or Services, Personal Information may be collected by automated means, such as through cookies and analytics on the Alarm.com or SC User Interfaces. It may also be created and collected through your use of the Services, such as device usage. We receive this Personal Information from the devices on your Alarm.com account, such as security sensors, smoke detectors, and smart water valves, and your computer, mobile phone or other electronic devices through which you may access, browse, download, receive, or otherwise use the SC User Interfaces or Services (each a “Personal Device”). We may also receive and process such Personal Information from third parties.

3. Types of Personal Information We Collect

Identifiers

When you use the SC User Interfaces or Services, we may collect the following from you or other users on your account: name, home or business address, email address, Alarm.com account number, and service provider identifier.

Account and Device Information

When you obtain an insurance quote and for the life of your insurance policy we may collect the following from your Protected Devices: features enabled, device IDs, status of Protected Devices.

Insurance Application Information

If you choose to complete an insurance quote application using the SC User Interfaces, we may also collect information from you to generate your quote. This may include information about previous insurance claims filed by you or your business, bankruptcy filings related to your business and previous criminal convictions of your or your business partner(s).

Telephone Conversations and Calls

Calls to and from our customer service, support and sales lines may be recorded and monitored, including by our employees, vendors, and artificial intelligence and similar technologies. In addition, we use a suite of technology solutions to assist with and to analyze telephone calls made to us and online chats. These solutions may record callers’ voices and conversations, transcribe telephone conversations, use artificial intelligence to identify, authenticate and assist callers, and/or evaluate and make recommendations. Many of these technology solutions and applications include software and related technology from vendors or other third parties, and we may share the data collected during calls and communications with these third-party entities. By using our services, including telephone and website communications, you accept and consent to our collection of such data (including personal data) and to our sharing that data with others.

Other Information Collected via Chatbots

We use chatbots powered by third-party providers on our SC User Interfaces to provide you with information and support. When you interact with a chatbot on the SC User Interfaces, all the information you choose to provide to the chatbot may be collected and associated with your name or your IP address and a transcript of your interactions or communications with or through the chatbot may be created and stored. You should not enter any information into the chatbot that you would not want saved, recorded, or monitored. By using or interacting with a chatbot on our SC User Interfaces, you understand that you are communicating with automated self-service software provided by one of our third-party providers or communicating with our representative through one of our third-party providers; in either case, your communications may be saved, recorded, or monitored by us or our third-party provider. You also accept and consent that we and our third-party providers may be collecting, monitoring, recording, and managing any information (including Personal Information) that you may enter into the chatbot or generate by using or interacting with the chatbot. We and our third-party providers may also collect, monitor, record and manage certain device and usage information automatically, including information collected in connection with the chatbot via cookies and other tracking technologies. For more information about how our third-party providers may collect, use, or disclose your information obtained by using or interacting with the chatbot, please read their privacy policies.

Cookies, Web Beacons, and Website Analytics

When you use the SC User Interfaces or access Services using your Personal Device, certain information may be collected by automated means, such as cookies and other tracking technologies. Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners to make their websites work, or to work more efficiently, as well as to provide reporting information. You have the right to decide whether to accept or reject cookies.

Information You Choose to Provide

We will also collect any information you choose to provide to us in connection with your interactions with us or your use of the SC User Interfaces.

4. How We Use the Information We Collect

We may use the Personal Information we collect to:

  • Provide the SC User Interfaces and Services to you.
  • Notify you about your account or changes to the SC User Interfaces or Services.
  • Provide you with customer support.
  • Personalize your experience with the Services and SC User Interfaces.
  • Provide notifications of, or evaluate your eligibility for, products, services, programs or discounts offered by Smart Coverage and its insurance partners.
  • Protect you, us, or others from security threats by enhancing the security of our network and information systems.
  • Identify and prevent fraud.
  • Enable or administer our business, such as for invoicing Authorized Service Providers.
  • Improve, evaluate, and develop new SC User Interfaces, Services and products and services of Alarm.com and its affiliates and subsidiaries, including by aggregating information to understand how Services are being used.
  • Comply with applicable laws and industry regulations.

5. Sharing of Personal Information

We will not share your Personal Information to any other entity except:

  • To your authorized service provider.
  • When you have opted in to share the information, such as when you connect certain third-party services or devices to your Alarm.com account.
  • When we need to share the information with a third-party who works on our behalf, such as a vendor or subcontractor, provided such entities are subject to confidentiality obligations.
  • To our affiliates and subsidiaries for the business purposes described in this Privacy Policy.
  • To insurance companies or brokers to provide the Services.
  • To evaluate your eligibility for, or provide notifications of, products and services offered by us or our insurance partners.
  • When necessary, in the case of a merger or combination with, or acquisition of a portion of our business by, another company or entity.
  • As necessary in connection with other lawful business purposes.
  • As otherwise necessary when required or permitted by law.

6. How We Protect Your Information

Smart Coverage takes commercially reasonable measures to protect the personal data we collect from unauthorized or illegal access, modification, use, or destruction. We restrict access to such personal data to employees, contractors, and agents who need to know such information and only to third parties as described in the “Sharing of Personal Information” section of this Privacy Policy.

Please be aware, however, that no method of data transmission or storage is completely secure. You are ultimately responsible for protecting your username and password for the SC User Interfaces and ensuring proper access to your Personal Devices.

7. Your Privacy Rights and Choices

Depending on where you reside in the United States, certain state privacy laws may apply to the processing of your Personal Information.

7.1. California Residents

If you are a California Resident, then please click on the “California Residents Privacy Rights Notice” for information about your rights and choices.

7.2 Residents in Other States with Privacy Laws

The following rights may apply to the processing of your Personal Information if you reside in a state with an applicable privacy law:

  • The right to confirm whether we are processing your Personal Information and to access such Personal Information.
  • The right to correct inaccuracies in your Personal Information, taking into account the nature of the Personal Information, and our purposes of the processing of such Personal Information.
  • The right to delete Personal Information provided by or obtained about you.
  • The right to obtain a copy of your Personal Information that you previously provided to us in a portable and if technically feasible, readily useable format that allows you to transmit the data to another controller without hindrance.
  • The right to opt out of the processing of your Personal Information for purposes of targeted advertising and the sale and sharing of Personal Information as described in the “Notice of Right to Opt-Out of Interest-Based Advertising” Section of this Privacy Policy.
  • The right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning the consumer.

7.3 Notice of Right to Opt-Out of Interest-Based Advertising

You may opt out of interest-based advertising and the “sale” or “sharing” of your personal information by enabling the Global Privacy Control, a browser level tool that automatically communicates your opt-out preferences, or by going the Cookie Settings through the cookie banner on our Website. Through the Global Privacy Control, we can process your opt-out in a frictionless manner.

7.4 Exercising Your Privacy Rights

When Smart Coverage acts as a data controller, for example when you submit information through our Website or we collect business contact information about you, you can exercise any of your rights described in this Policy by contacting us at privacy@smartcoverage.com. We may need to collect additional information about your previous interactions with Smart Coverage or Alarm.com to verify your identity. You may designate an authorized agent to submit requests on your behalf. To submit a request as an authorized agent on behalf of a consumer, please contact us at privacy@smartcoverage.com. If we refuse to act upon your request, you may appeal such refusal by contacting us after your receipt of the refusal at privacy@smartcoverage.com.

8. Third Party Websites

For your convenience, some hyperlinks may be posted on this website that link to other websites not under Smart Coverage’s control. Smart Coverage is not responsible for, and this Privacy Policy does not apply to, the privacy practices of those sites or of any companies that Smart Coverage does not own or control. Smart Coverage does not endorse any of these websites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages. Smart Coverage encourages you to seek out and read the privacy policy of each website that you visit. In addition, should you happen to initiate a transaction on a website linked to this website, even if you reached that site through the SC User Interfaces, the information that you submit to complete that transaction becomes subject to the privacy practices of the operator of that linked website. You should read that website’s privacy policies to understand how Personal Information that is collected about you is used and protected.

9. Transfer of Personal Information from Outside of the United States

SC User Interfaces and Services are not intended for individuals outside of the United States. If you use our SC User Interfaces or Services from outside of the United States, please be aware that your information may be transferred to, stored or processed in the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Our offices and data centers are in the United States, so some of your Personal Information will be transferred to the United States in connection with your use of the Services.

10. Privacy Policy Changes

We may change this Privacy Policy at any time. Any changes to this Privacy Policy will be posted on the SC User Interfaces. The most recent version of this Privacy Policy is reflected by the version date located below. This Privacy Policy is not intended to and does not create any contractual or other legal right in or on behalf of any party.

11. California and Delaware Do Not Track Disclosures

Smart Coverage responds to the Global Privacy Control where applicable, as described above. With respect to a different preference signal called Do Not Track browser requests, Smart Coverage adheres to the standards set out in this Privacy Policy and does not monitor or follow any Do Not Track browser requests.

12. Contact Information

If you have any questions, concerns, or suggestions regarding this Privacy Policy, please contact us at:

privacy@smartcoverage.com
or
8281 Greensboro Drive, Suite 100, Tysons, VA 22102

Last updated: June 24, 2024