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or control (the "Website"), and of any product or service that we may supply to you, to the extent these terms are not superseded by the terms of any other agreement governing the delivery of such product or service.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 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.
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
Log File Analysis
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
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.
If You Have Questions
Lighthouse Insurance Group, LLC
Tel: 866-230-0222?Fax: 877-548-2526