Privacy Policy

Last updated: January 1, 2020

Introduction

The website located at the following URL https://luxsurancejm.wpenginepowered.com/ (“Website”) is operated by Luxsurance, LLC (hereafter referred to as ” Luxsurance,” “our,” “we” or “us”). This LUXSURANCE PRIVACY POLICY (“Privacy Policy”) explains what information we collect, how we use the collected information, and your rights and choices regarding such information. This Privacy Policy applies to collection of your information in our retailers, via our Website, social media channels operated by Luxsurance, the Luxsurance mobile application, customer service phone line, and any channel that you may interact with us (collectively “Service”).

By accessing or using the Service or the Website, users of the Service or Website (“you” or “user” or “Luxsurance Consumer”) accept and agree to the terms set forth in this Privacy Policy. If you do not agree and consent, please discontinue use of the Service and the Website.

Luxsurance may occasionally update this Privacy Policy, which will be reflected in the “Last updated” date on this page. Luxsurance reserves the right to change this Policy at any time without notice, and any changes to this Privacy Policy are effective upon the posting of the revised Privacy Policy on the Luxsurance website. By continuing to use this Website and/or Service following such changes, you will be deemed to have agreed to the changes.

We encourage you to periodically review this Privacy Policy to learn about our privacy practices, as well as check for any update(s). If you are a California resident, Nevada resident or data subject in Europe, please see the “Additional Disclosures for California Residents,” “Additional Disclosures for Nevada Residents” and “Additional Disclosures for Data Subjects in Europe” sections. Luxsurance partners with a third-party insurance provider, and we encourage you to review their privacy policy as well as ours.

Collection, Use and Sharing of Information

To help us achieve our goal of providing the highest quality products and services, we use information from our interactions with you and other customers, as well as from other parties. The following describes the type of information our Website and Service collect from you and use of the information received.

Information Collected Automatically

Generally, you may browse the Website without providing any personally identifiable information. Non-personal information is information that does not identify an individual and cannot be readily associated with a particular individual.

Certain information is automatically collected when you visit our Website. For example, we may collect information to track the number of visitors we receive and the way that visitors navigate the Website. Information collected may include the date and time you accessed the Website, the page or pages you visited and images you accessed, as well as your IP address, operating system, browser type, and type of device. We may share this aggregated information with our affiliates and/or third parties. The types of third parties to whom we have disclosed information within the last 12 months include: Website optimization and security service providers as well as marketing service providers. We reserve the right to use non-personal information in order to investigate unlawful conduct and/or breaches of this Privacy Policy and this Website’s Terms of Service.

Data may be gathered using cookies and other similar technologies. A “cookie” is a piece of data that a web server may place on your computer when you visit a website. Our cookies track your online activity on the Website. Our cookies do not gather personal information. We may use cookies on the Website for a number of purposes – for example, to maintain continuity during a user session, to gather data about the usage of our Website for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our Website. We may also use other companies to set cookies on this Website in order to gather cookie information for us, and we use such cookie information in the same manner as stated above.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. However, if you choose to reject cookies, you may not be able to use certain of our Website’s features. This information does not include your name, e-mail address, or any other personal information.

Luxsurance also collects IP addresses as part of our efforts to maintain and improve the Website. IP addresses are usually identified and logged automatically whenever a visitor accesses the website. The time of the visit and the page(s) visited may also be logged.

In addition to the information we collect automatically, we also obtain non-personal information that you provide to us online – for example, when you use our tools and calculators or communicate with us through the website. In some cases, we automatically retain the cookie information and/or the information you provide to us online – for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases, for example, when you use our tools and calculators, we only retain the cookie information and/or information you provide if you request that we do so for your use in subsequent sessions.

Information Provided by User

Below are the categories of personal information that Luxsurance collects or has collected via the Website and/or Service. Personal information is information that identifies or can be readily associated with a particular individual.

Identifiers – such as name, address, social security #, driver’s license #, etc.)
Other Sensitive Information under California Law – Examples: physical description, financial information, medical information, etc.
Characteristics of protected classifications under California or federal law – Examples: race, sex, color, religion, national origin, marital status, etc.
Biometric information – Examples: fingerprints, keystroke patterns, gait patterns, sleep/health data, etc.
Geolocation Data – Information to identify physical location
Audio, electronic, visual, thermal, olfactory, or similar information – Examples: audio and video recordings
Professional or employment-related information – Example: job history
Education information – information not publicly available as defined under federal law
Commercial information – Examples: records of personal property, products, and services purchased or obtained, etc.
Internet or other electronic network activity information – Examples: browsing/search history, visitor’s interaction with a website, etc.
Inferences drawn from any of the other categories of information – use of any of the above categories to create a profile about a consumer

At times, Luxsurance may ask you to provide a limited amount of personal information that could identify you, such as your name, address, e-mail address, and/or policy information. This information is collected only when you voluntarily provide it.

Personal information may be required for the use of the Service or to process certain transactions on the Website. Users who do not wish to provide the required information are free to decline to provide such information but may not be able to take advantage of the specific Service or engage in that sort of transaction online as a result.

The personal information we collect may vary depending on how you use our Website. Such information may include:

Information we receive from individuals, such as their name, address, phone number;
Information about individuals’ transactions with us, with our affiliates, or with others, such as policy coverage, premium.

Some customers may decide to allow us and/or certain of our strategic business partners to contact them by e-mail or telephone to keep them updated on our business. If you give us permission to share your e-mail address or other information with our business partners, they may also contact you with a variety of offers that may be of interest to you.

We may use personally identifiable information from you for a limited number of purposes, including providing you with the Service or information and/or providing you with other information, opportunities, or services that may be of interest to you. We may also use the information we collect to respond to e-mails, provide customer support, and other similar business purposes.

We do not disclose any personal information to anyone except as is necessary to provide our products or services to a person, or otherwise as we are required or permitted by law. In certain instances, we may release information collected through this Website in order to comply with requests from law enforcement or government agencies, to enforce the Terms of Service or other agreements herein, or to protect customers and others. We may disclose this information when we believe in good faith that disclosure is necessary or advisable, including, for instance, to identify, contact, or bring legal action against someone who may be causing injury to or interfering with the rights or property of Luxsurance, another user, or anyone else that could be harmed by such activities.

Personal information you provide through this website may be combined with other personal information that we collect or receive about you through other methods, and such combined personal information may be used as described in this Privacy Policy.

Confidentiality and Security Of Personal Information

We utilize physical, electronic, and procedural safeguards to protect your personal information and guard against its unauthorized access. However, no transmission of information over the Internet can be guaranteed to be totally secure, and we cannot ensure or warrant the security of any such transmission to the website. When you disclose information to us online, you do so at your own risk. If you have any reason to believe that your interaction with us is no longer secure, contact us immediately at: [email protected].

Limitations

This Privacy Policy applies only to information collected through the Website and/or Service. It does not apply to any information you provide to websites on which Luxsurance advertises, nor does it apply to information we collect through other communications with you, including e-mail communications, phone calls, or non-electronic written communications.

Contacting Us

If you have any questions or comments about our Privacy Policy, or would like to learn more about how we protect privacy, please contact us at [email protected].

California Consumer Privacy Policy

If you are a California resident, you have the following rights under the California Consumer Privacy Act:

Personal Information We Collect

Below are the categories of personal information that Luxsurance collects in the course of performing insurance services.

Identifiers – such as name, address, social security #, driver’s license #, etc.).
Geolocation Data – Information to identify physical location
Audio, electronic, visual, or similar information – Examples: image, and video recordings.
Commercial information – Examples: records of personal property, products, and services purchased or obtained, etc.
Internet or other electronic network activity information – Examples: browsing/search history, visitor’s interaction with a website, etc.
Inferences drawn from any of the other categories of information – use of any of the above categories to create a profile about a consumer.

Information Regarding the Sale Of Personal Information

Luxsurance has not sold the personal information of California resident consumers to any third parties in the preceding 12-month period from the date of this Notice.

Luxsurance does not sell personal information of children under 16 years of age.

Information Regarding the Disclosure of Personal Information

Luxsurance may disclose any or all of the categories of personal information listed above to its affiliates and service providers. The service providers used by Luxsurance may include: insurance agents; entities that provide insurance policy and claim-related products and services; and, other individuals and entities that assist them in providing insurance products and services or the operation of their business. Luxsurance may also share some personal information with federal and state government agencies, and as otherwise required by law, regulation, or legal process.

Consumer Rights Under the CCPA

California residents have the following rights under the CCPA, relating to their personal information collected by Luxsurance:

The right to request that Luxsurance disclose what personal information about a consumer it collected, used, disclosed, and sold;
The right to request a copy of the specific personal information it collected and holds.
The right to request that Luxsurance delete the personal information that it has collected about the individual consumer or household.
The right to non-discrimination for the exercise of a consumers privacy rights.

Methods for Exercising Your Rights

You may submit requests to receive information about, or to delete the personal information that Luxsurance has collected about you, in either of the following ways:

Toll-Free Phone: Call our Luxsurance toll-free phone number: 1-844-974-1742

Email Request To: [email protected]