Privacy
Who we are
CoverCurrent is a vendor certificate of insurance (COI) tracker. Questions: hello@covercurrent.com.
What we collect
- Your account details: name, work email, company name, billing email, and messages you send us.
- Vendor list data you give us: vendor names, contacts, emails, coverage types, certificate expiry dates, job or property labels, and notes.
- Certificate files: COI PDFs or images uploaded by you or by a vendor through a magic link.
- Reminder and upload logs: when we emailed someone, whether a link was used, and when a file arrived.
- Payment metadata: when Polar (or another processor) is connected, they handle the card. We receive the fact of payment, plan, and status — not the full card number.
We do not ask vendors to create accounts. A magic link identifies the upload for a specific certificate.
Why we collect it
To import your list, send 30 / 14 / 7-day expiry reminders to the vendor and notify you when a cert is 7 days out, expired, or a replacement lands, accept replacement certificates, show you the current list, bill the subscription, and answer support mail. We also keep enough records to handle refunds and disputes.
Who we email
We email your address because you asked us to run the tracker. We email vendor addresses you put on the list because that is the product: a reminder to send a current COI. You are responsible for having a reason to give us those addresses (they work for you, they are on your vendor roster, they already send you certs).
Who we share with
- Email delivery so reminders and magic links actually send.
- File storage for certificate PDFs.
- Polar (planned) for checkout and billing.
- Hosting such as Cloudflare Pages for this site.
We do not sell your vendor list. We do not use vendor emails for our own marketing. We will share data if the law requires it, or if you ask us to export it to you.
Cookies and logs
This marketing site is static. We may see standard server logs (IP, browser, page). If we add an account session later, we will use a session cookie to keep you signed in. We do not run advertising pixels on these pages today.
Retention
We keep vendor list data and certificates while your account is active. After you cancel, we keep records as long as we need them for billing, refunds, and legal holds, then delete or anonymize the rest. You can ask for an export or a deletion at hello@covercurrent.com.
Magic links
Upload links expire and should be treated like a password to that one certificate. Do not post them in a public forum. If a link leaks, write us and we will revoke it.
Children
This service is for businesses. We do not knowingly collect data from children.
Changes
If this policy changes in a material way, we will update this page and the date above. Continued use after that date means you have seen the new version.