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Effective Date: 10/23/2025
Action Over Coverage (AOC) is committed to protecting the privacy and confidentiality of the personal and business information entrusted to us. This Privacy Statement details our practices for the collection, use, maintenance, and disclosure of information related to our risk management, efficiency consulting, and operational improvement services, primarily delivered to businesses operating within the five boroughs of New York City and Westchester County, NY.
By engaging with our services, website, or communicating with us, you consent to the data practices described in this statement.
We primarily collect information to fulfill our consulting and service obligations. The type of information collected depends on the nature of your interaction with us:
This information is collected when you sign a contract, fill out a client intake form, or communicate with our consultants.
Contact & Identity Data: Business name, contact person's name, email address, phone number, and mailing address.
Operational & Financial Data: This is high-level, sensitive information necessary for our consulting services, such as:
Business structure, size, and location (five boroughs of NYC, Westchester).
Operational processes, facility layouts, and equipment details.
Historical incident/claim data (aggregated or anonymized where possible).
Financial data relevant to risk analysis (e.g., revenue, loss runs, or budget for risk mitigation).
Security Credentials: In rare cases and with explicit client authorization, temporary credentials for access to client-controlled systems (e.g., safety databases, internal portals) for the sole purpose of assessment.
This information is collected when you visit our website ([Your Website URL]) or engage with our digital communications.
Usage Data: Details about how you use our website, including pages viewed, time spent, click patterns, and referring website addresses.
Technical Data: Internet Protocol (IP) address, browser type, operating system, and geographic location derived from your IP address.
Cookies and Tracking Technologies: We use cookies to analyze trends, administer the website, track users’ movements around the site, and gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level.
We use the information we collect for the following purposes:
Service Delivery
Client Communication
Risk Analysis & Reporting
Billing & Administration
Marketing & Outreach
Website Security & Improvement
Engagement Data (Operational, Contact)
Contact Data, Engagement Data
Operational & Financial Data
Contact Data, Financial Data
Contact Data, Usage Data
Technical Data, Usage Data
Necessary to perform the contract with you.
Responding to inquiries and providing updates on service delivery.
Fulfilling our contractual obligation to assess and improve your operations.
Necessary for billing and internal record-keeping.
Our legitimate interest in growing our business (with opt-out provided).
Our legitimate interest in maintaining a functional and secure service.
Action Over Coverage will not sell or rent your personal or operational data to third parties. We only share information in the following limited circumstances:
Service Providers: We may share data with trusted third-party vendors who perform services on our behalf (e.g., IT hosting, CRM software, legal/accounting). These providers are contractually obligated to protect your data and only use it for the purposes we specify.
Legal & Regulatory Compliance (NY SHIELD Act): We may disclose information if required to do so by law, court order, or subpoena, including to comply with the New York Stop Hacks and Improve Electronic Data Security (SHIELD) Act or other applicable New York State and federal laws.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. You will be notified of any such transfer and material changes to this Privacy Statement.
With Your Consent: We may share your data with other third parties when we have your explicit consent to do so.
As a business that collects and maintains private information of New York residents, Action Over Coverage is committed to maintaining "reasonable administrative, technical, and physical safeguards" to protect your data, in compliance with the NY SHIELD Act.
Technical Safeguards: Encryption (for data in transit and at rest), use of firewalls, multi-factor authentication (MFA) for internal systems, and regular testing of security protocols.
Administrative Safeguards: Designating an employee to coordinate data security, regular employee training, and vendor contract review to ensure third parties also maintain adequate security.
Physical Safeguards: Restricted access to physical storage locations and secure disposal of unneeded data.
We retain your personal and operational data only for as long as is necessary to fulfill the purposes outlined in this Privacy Statement, including for the purposes of satisfying any legal, accounting, or reporting requirements. Generally, we retain client engagement files for [Specify period, e.g., 7 years] after the conclusion of our services, as mandated by legal and regulatory obligations.
As our client, you have the following rights regarding your personal data:
Right of Access: You have the right to request copies of the personal data we hold about you.
Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
Right to Erasure (Right to be Forgotten): You have the right to request that we erase your personal data, subject to certain legal exceptions (e.g., data required for legal compliance).
Right to Opt-Out of Marketing: You can opt-out of receiving marketing communications from us at any time by following the unsubscribe link in our emails or by contacting us directly.
Our website may contain links to third-party sites (e.g., government agencies, industry partners). If you click on a third-party link, you will be directed to that site. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
We may update this Privacy Statement from time to time to reflect changes in our practices or legal requirements. When we make changes, we will revise the "Effective Date" at the top of this document. We encourage you to review this statement periodically.
If you have any questions or concerns about this Privacy Statement or our data practices, please contact us at:
Action Over Coverage
20 Woodsbridge Road.
Katonah, New York 10536.
www.actionovercoverage.com
Email: actionovercoverage@yahoo.com
Telephone: 914-729-5675