Privacy Policy for VKOVR

Effective Date: May 2, 2026

Welcome to VKOVR (“We Cover”), a technology-driven insurance advisory platform providing Auto, Home, Life, and Commercial insurance solutions across the United States.

This Privacy Policy explains how we collect, use, store, and share your information when you use our website, services, or interact with our platform.

The website vkovr.com and the services described here are operated by Horizon insurance agency LLC, a Minnesota limited liability company (Minnesota Secretary of State file no. 1644208700021). “VKOVR” is the brand under which we operate and is commonly used to refer to our platform and services.

Registered office:
18215 45th Ave N, Ste B
Plymouth, MN 55446-4595
USA

1. Information We Collect

We collect the following types of information:

A. Personal Information

When you use our services, request a quote, or contact us, we may collect:

  • Full name
  • Phone number
  • Email address
  • Address, State, ZIP code
  • Insurance interests (Auto, Home, Life, Commercial)
  • Any additional details you provide

B. Communication Data

  • Call logs and call recordings
  • SMS or email interactions
  • Notes from advisor interactions

C. Technical & Usage Data

  • IP address
  • Browser and device information
  • Pages visited and interaction data
  • Cookies and tracking technologies

2. How We Use Your Information

We use your data to:

  • Provide personalized insurance quotes and advisory services
  • Connect you with licensed agents or advisors
  • Improve our services, website, and user experience
  • Analyze behavior and optimize our AI-driven recommendations
  • Send updates, offers, and service-related communications
  • Manage leads and customer relationships within our CRM system

3. Consent to Contact (Calls, SMS, Emails)

By submitting your information on our website or through any of our services, you expressly consent to:

  • Receive phone calls, including automated or AI-assisted calls
  • Receive SMS/text messages
  • Receive emails and follow-ups

These communications may be:

  • For quotes and insurance consultation
  • Follow-ups on your inquiry
  • Service updates or reminders
  • Marketing and promotional offers

Important: You agree that VKOVR may contact you periodically, even if your number is listed on a Do Not Call registry, where permitted by law.

You may opt out at any time by:

  • Clicking unsubscribe (email)
  • Replying STOP (SMS)
  • Requesting removal via contact

For a dedicated TCPA and consent-to-contact disclosure (including approved form copy options), see our TCPA / Consent to Contact Disclosure.

4. How We Share Your Information

We may share your data with:

We do not sell or share your personal information with third parties for their independent marketing purposes.

A. Insurance Providers & Partners

To provide quotes and coverage options, we may share your details with insurance carriers and partners (including providers similar to those offered on platforms like Farmers-style insurance ecosystems).

B. Service Providers

  • CRM systems
  • Analytics tools
  • Communication platforms (call/SMS/email providers)
  • Hosting and infrastructure providers

C. Legal Requirements

We may disclose information if required by law or to protect our legal rights.

5. Data Storage & Security

We implement appropriate technical and organizational measures to protect your data, including:

  • Secure databases and encrypted connections
  • Access control and role-based permissions
  • Monitoring and logging systems
  • Protection against unauthorized access

However, no system is 100% secure, and we cannot guarantee absolute security.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to:

  • Improve website performance
  • Analyze traffic and behavior
  • Personalize user experience
  • Support advertising and remarketing

You can control cookies through your browser settings.

7. Your Rights & Choices

Depending on your location, you may have the right to:

  • Access your personal data
  • Request correction or deletion
  • Opt out of marketing communications
  • Restrict or object to certain processing

To exercise your rights, contact us at: support@vkovr.com

Do Not Sell or Share My Personal Information

Depending on where you live, you may have the right to opt out of the “sale” or “sharing” of personal information for cross-context behavioral advertising. To submit a request, email support@vkovr.com with the subject line “Privacy Request” and describe your request. We may need to verify your identity before processing certain requests.

8. Data Retention

We retain your information:

  • As long as necessary to provide services
  • For business, legal, and compliance purposes
  • For CRM and follow-up activities

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from children.

11. Changes to This Policy

We may update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date.

12. Contact Information

For questions or concerns, contact:

Horizon insurance agency LLC (“VKOVR”) – “We Cover Everything That Matters, Everywhere You Are”

Legal name: Horizon insurance agency LLC. Registered office: see the introduction above.