LIGHTHOUSE INSURANCE
PRIVACY POLICY

 

Last updated: November 10, 2015 

 

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This is a legal contract between you and Lighthouse Insurance Group, and covers all aspects of your use of this and any other website we own or control (the "Website"), and of any product or service that we may supply to you, to the extent these terms are not superseded by the terms of any other agreement governing the delivery of such product or service.

 

PLEASE READ THESE TERMS OF SERVICE CAREFULLY.  BY REGISTERING FOR, ACCESSING, BROWSING, OR OTHERWISE USING THE WEBSITE YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.  IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITE.

 

 

Information We Collect

To better serve site visitors, we collect two basic types of information:

 

Personally identifiable information (PII):  PII is information that personally identifies one individual from another. This information is voluntarily provided to us by you and is used by us for the purpose of fulfilling requests for further information regarding our services, as further detailed below. We only collect PII that you voluntarily provide to us, such as your name, physical address, email address, and phone number. We only require PII from you when it is needed to fulfill any request you may submit by and through our website.

 

General Information:  General Information consists of aggregate user and tracking information, such as using cookies, log analysis software and other aggregate tracking technologies. This information gives us insights on how our subscribers and site visitors use our site and our other products. This data is anonymous in nature and does not contain any PII. We use this information to ensure that our website, e-mails and marketing efforts continue to appeal to our subscribers.

 

How We Use The Information We Collect Online 

 

How We Use PII:  We use the PII you submit online primarily to process quote and service requests.  In order to do so, you must necessarily complete the necessary forms and provide us with the information we require to comply with your request. We use the PII information you provide us through this site in the following manner:

 

Name: We ask for your name to properly identify you as a customer (i.e., to match your name with the telephone number and other information you provided to us) and to communicate with you on a personal level.   When submitted on this website, we will not share your name with third parties for the purpose of their marketing directly to you; however, we may share your name as required by our own internal business purposes.

 

Telephone Number: We ask for your telephone number in order to contact you while processing your request, and to further validate your identity. We will not share your phone number with third parties for the purpose of their marketing directly to you; however, we may share your number as required by our own internal business purposes.

 

E-mail Address: We ask for an e-mail address so that we may contact you via e-mail to communicate with you and to further validate your identity. We typically share e-mail address information with third parties; therefore, you may also receive newsletters and offers from our sponsors, affiliates and marketing partners at this e-mail address. These mailings contain clear information on how to unsubscribe, and we honor all requests as quickly as possible.

 

Mailing Address: We ask for a mailing address when necessary to process your request, and to further validate your identity. We will not share your address with third parties for the purpose of their marketing directly to you; however, we may share your address as required by our own internal business purposes.

 

Other Ways We Use Information

In addition to the specific uses set forth above, we may also use your information (including PII), for various business purposes including, without limitation, the following: (i) to improve the quality of your visit;  (ii) to communicate with you; (iii) to confirm and manage your subscription; (iv) to provide written proof to any regulatory authority regarding your use of this website or purchases made from us; (v) to provide reports to offer sponsors and affiliates; (vi) to improve our site and the visitor's experience through customization, analysis, and adjustments; and (vii) to enforce our agreements with you, prevent fraud and other prohibited or illegal activities, and for other legally permissible purposes.

 

In addition, we sometimes contract with other companies and individuals to perform functions or services on our behalf, such as hosting the website, sending email messages and administering contests, surveys and other promotions.  We necessarily have to share your PII with such third parties as may be required to perform their functions.

 

In some cases, we may choose to buy or sell assets. In these business transfers, customer information, including PII, is typically one of the business assets that are transferred. Moreover, if all or substantially all of our business assets were acquired, or in the unlikely event that we go out of business or enter into bankruptcy, customer information (including your PII), would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any assets may continue to be used according to your PII as set forth in this policy.

 

We may reserve and have the right to disclose any information about you or your use of our site without your prior permission. We in good faith believe that such action is necessary to: (a) protect and defend the rights, property or safety of our company or its affiliates, other users of the site, or the public; (b) enforce the Terms of Use or (c) respond to claims that any content violates the rights of third-parties. We may also disclose information as we deem necessary to satisfy any applicable law, regulation, legal process, or governmental request.

 

How We Protect Your Information

We understand that the safety of your personal information is extremely important to you. That is why we use both electronic and other measures to keep your information protected from unauthorized access.  We employ industry accepted tools and techniques to protect your privacy and against unauthorized access to our systems. However, we have no control over the security of other web sites on the Internet that you might visit even when a link may appear to those web sites site from our Site. If you share your computer or use a computer that is accessed by the general public, remember to sign off and close your browser window when you have finished your session.

 

Other Online Privacy Policies

 

Cookies: 
Cookies are files that contain small amounts of data. If your browser is configured to accept these files, they are stored on the hard drive of your computer. We use these data files when you visit our site to recognize your browser and capture and remember certain information about you. By using cookies, we are able to: (a) personalize and enhance your visit to our site; and (b) better measure how many users view our site and the effectiveness of our marketing campaigns. If you wish, you may set your browser to refuse cookies. However, by refusing to accept a cookie, you may not be able to access some pages or use some of the functions of our site.

 

Log File Analysis:
We also collect information from your computer each time you visit our site using JavaScript and log file analysis software. Information we measure, analyze, and collect in this manner may include: your IP address, screen resolution, operating system, platform information, your URL click stream behavior (from referring URL website, through our website, to and including the URL of exiting website), date and time of your click stream behavior, purchase behavior, click stream patterns, email address, and user session information (includes: page interaction information, browser interaction information, page response times, length of visits to individual pages, download errors) and web browser software. Information we collect on how you use our site does not include personally identifiable information. Though some personally identifiable information may be collected in this process, the information collected is not used to track individual use through our website. 

 

Regarding Underage Users:
This site and the services we provide are intended for adults over the age of 18. Therefore, we do not knowingly collect or maintain personal information from children under the age of 18 at our site, except in the limited case in which a child under the age of 18 submits a question to us at our site and identifies his or her age, we may use the email address of the child for the sole purpose of responding to the question from the child on a one time only basis. However, we will not use the email address of the child for further contact and we will remove the address from our records after we have initially responded.

 

For California Users :
 In addition to the rights set forth in this Privacy Policy, Residents of California ("California Users"), have the following additional privacy rights under state law:

 

  • Pursuant to Section 1798.83 of the California Civil Code, California Subscribers may request information regarding the types of personal information we share with third parties for direct marketing purposes, and the identities of the third parties with whom we have shared such information during the immediately preceding calendar year. California Users may request further information about our compliance with this law by sending us a message via the Contact Us link on the Site. Please note that we are only required to respond to one request per customer each year concerning this law, and we are not required to respond to requests made by means other than through the Contact Us link on the Site.

 

Further in compliance with the California Online Privacy Protection Act (CalOPPA) be advised that there is no login requirement to use this site, and all users can visit this site anonymously.

 

Tracking Technology and Do-Not-Track Requests:  We do not currently employ any technology that enables us to track your online activities over time and across third-party Web sites, nor do we plan on doing so in the future.   Keep in mind, however, that we have no control over the activities of third parties, and they may employ such technology that tracks your activity on this site.  Because we do not employ tracking technology, we offer no response to Do-Not-Track requests transmitted by Web browsers.

 

External Links: 
The Website may include links to other websites whose privacy policies we do not control. Once you leave our site, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. That policy may differ from ours and is not covered within this privacy policy.

 

Changes to this Privacy Policy: We reserve the right to amend, alter, or otherwise change this Privacy Policy at our sole and absolute discretion. If we make any changes regarding the disclosure of Personal Information to third parties, we will inform all registered Users, and post notice of the new Policy from the privacy link on our Web site.  Further use of this site following any such change constitutes your agreement to follow and be bound by the amended Privacy Policy.

If You Have Questions

If you ever have any questions about our online privacy policy, please contact us. We respect your rights and privacy, and will be happy to answer any questions or concerns you might have.

 

Lighthouse Insurance Group, LLC

Tel: 866-230-0222?Fax: 877-548-2526