Privacy Policy
Effective Date: January 18, 2026
OptimalCover ("OptimalCover," "we," "our," or "us") is committed to protecting your privacy and being transparent about how information is collected, used, and shared. This Privacy Policy explains our practices when you visit or interact with the OptimalCover website and platform.
OptimalCover operates as an independent pricing reference and benchmarking service for Vehicle Service Contracts ("VSCs"), sometimes referred to as extended warranties. OptimalCover provides informational pricing benchmarks only and does not sell, issue, or administer insurance policies or vehicle service contracts.
1. Scope and Purpose
This Privacy Policy applies to information collected when users:
- Visit the OptimalCover website
- Interact with the OptimalCover platform
- Submit vehicle information to obtain pricing benchmarks
- Submit questions or requests through the service
Users may access pricing reference ranges and educational content without creating an account or providing personal information.
2. Information We Collect
OptimalCover collects limited information necessary to operate the service and generate pricing reference benchmarks.
A. Vehicle Information Provided by Users
When users interact with the platform, they may voluntarily provide vehicle-related information, including:
- Vehicle Identification Number (VIN)
- Vehicle make, model, year, trim, or mileage
- Contract preferences such as term length or deductible
This information is used solely to generate pricing reference ranges and vehicle attribute analysis.
B. VIN Processing
VIN entry or VIN scanning is optional and used only to identify vehicle attributes.
VIN information is used only to decode vehicle attributes necessary for pricing benchmarks.
- VIN numbers are not stored after processing
- VINs are not associated with a user profile
- VINs are discarded after vehicle attributes are decoded
VIN data is treated as vehicle metadata rather than personal information.
C. User Interaction Data
We may collect limited interaction data such as:
- Questions submitted to the system
- Pricing benchmark requests
- Feature usage patterns
- Session timestamps and request logs
This information helps operate, maintain, and improve the service.
D. Automatically Collected Technical Information
When users access OptimalCover, we may automatically collect certain technical data, including:
- IP address
- Device type and operating system
- Browser type
- System performance and diagnostic logs
This information is used to maintain system security, detect misuse, and improve platform performance.
3. How We Use Information
We use collected information to:
- Generate pricing reference benchmarks for Vehicle Service Contracts
- Decode vehicle attributes for accurate pricing analysis
- Verify vehicle configuration accuracy
- Respond to user questions submitted through the platform
- Maintain system security and prevent abuse
- Improve platform functionality and reliability
OptimalCover does not use submitted vehicle information to sell insurance or vehicle service contracts.
OptimalCover does not use submitted information for advertising, resale, or insurance underwriting.
4. Information Sharing
OptimalCover does not sell personal information.
Information may be processed by trusted third-party service providers that support operation of the platform, including:
- Cloud hosting providers
- Infrastructure and data storage providers
- Analytics and logging services
- Security monitoring providers
These providers process information solely for the purpose of operating the OptimalCover service.
Information may also be disclosed when required by law, regulation, or legal process.
6. Data Retention
OptimalCover retains vehicle attribute data and interaction logs only as long as reasonably necessary to:
- Operate and maintain the service
- Maintain system security
- Improve benchmark accuracy and reliability
Where possible, interaction data may be aggregated or anonymized.
VIN numbers themselves are not retained after vehicle attributes are decoded.
7. User Choices and Rights
Users may request:
- Access to information associated with their interactions
- Deletion of stored interaction data where applicable
- Clarification regarding how their information is processed
Requests may be submitted to:
We will respond to reasonable requests in accordance with applicable law.
8. State-Specific Privacy Rights
Residents of certain jurisdictions, including California, may have additional rights under applicable privacy laws such as the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).
These rights may include:
- The right to know what personal information is collected
- The right to request deletion of personal information
- The right to opt out of certain data sharing
OptimalCover honors applicable state privacy rights and will respond to verified requests as required by law.
9. Children's Privacy
OptimalCover is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children.
10. Data Security
OptimalCover implements reasonable administrative, technical, and organizational safeguards designed to protect information from unauthorized access, use, or disclosure.
However, no system can guarantee absolute security.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically. When changes are made, the updated policy will be posted on this page with a revised effective date.
12. Contact Information
If you have questions about this Privacy Policy or our data practices, please contact:
OptimalCover
Mailing Address
8713 Airport Freeway, #310
North Richland Hills, TX 76180
Plain-Language Summary
OptimalCover allows users to view pricing benchmarks for Vehicle Service Contracts without creating an account or sharing personal information. If vehicle information is submitted, it is used only to generate pricing reference ranges and improve the service. OptimalCover does not sell personal information and does not sell insurance or vehicle service contracts.