IMPORTANT PRIVACY NOTICE

LBW Insurance and Financial Services (“LBW”) is concerned about online privacy issues and wants you to be familiar with how we collect, use and disclose nonpublic personal information (as defined below) in connection with the LBW website, www.lbwinsurance.com ("the Site"). This Privacy Policy (the "Policy") describes our practices in connection with nonpublic personal information that we collect through the Site. You may be accessing our Site from a computer or mobile phone device (through an iPhone or iPad application, for example) and this Privacy Policy governs your use of our Site regardless of the means of access. We also like to interact with you on third party sites where we post content or invite your feedback, including sites such as www.facebook.com, www.twitter.com, www.pinterest.com and www.youtube.com (“Third Party Sites”). This Privacy Policy covers all collection, use and disclosure of nonpublic personal information, whether through the Site or otherwise.

By using the Site, you agree to the terms of this Policy, as well as the Terms of Service located here. If you do not agree to the terms of this Policy and/or the Terms of Service, please do not use the Site. We reserve the right to change this Policy without prior notice. You can determine when this Policy was last revised by referring to the "Last Updated" legend at the bottom of this page. Any changes to our Policy will become effective upon our posting of the revised Policy on the Site. Use of the Site following such changes constitutes your acceptance of the revised Policy then in effect. If this Policy is construed as an offer, acceptance is limited expressly to the terms and conditions stated herein.

You have certain rights under state and federal law with respect to the privacy of the information LBW (“we,” “our” or “us”) obtain about you when we place insurance on your behalf or provide related insurance services primarily for personal, family, or household use. We will only share your information for purposes of placing your insurance, to offer you products and services, or as otherwise permitted by law.

This Privacy Notice outlines our information sharing practices to help you understand how we protect your privacy, when we collect and use information about you, and the measures we take to safeguard that information.

COLLECTION OF INFORMATION

We collect nonpublic personal information about you to place insurance on your behalf or provide other products or services. The categories of nonpublic personal information that we collect about you may be from the following sources:

  • Information we receive from you on applications, forms, and questionnaires, including, but not limited to: your occupation, current employer, address, birth date, marital status, driver’s license number, social security number, driving record, and health conditions;
  • Information about your transactions with us, our affiliates, or previous insurers, such as your policy coverage, claims information, premiums, and payment history; and
  • Information we receive from insurance-support organizations and third-party reporting agencies, such as motor vehicle reports which disclose driving history and credit reporting agencies, who may retain such information and disclose it to others.

INFORMATION WE DISCLOSE

We may disclose nonpublic personal information we collect about you, as described above, to affiliated companies and nonaffiliated companies to allow us to provide you with our services.In addition, the law allows us to share your financial information with our affiliates to market products or services to you. We may also disclose nonpublic personal information we collect about you when otherwise required or permitted by federal and state law. You cannot prevent these disclosures.

To the extent permitted by applicable law, we may also use, process, transfer, and store any non-personally identifiable information or de-identified data about you in an anonymous, pseudonymous, or aggregated manner for analytics, market research, testing, metrics, reporting, and other lawful business purposes.

MEDICAL INFORMATION

We will not disclose medical information about you unless allowed by federal or state law or pursuant to your expressed written consent.

CORRECTION OF NONPUBLIC PERSONAL INFORMATION

You have the right, upon request to us, to access to and reproduction of nonpublic personal information about you in our possession.Additionally, you have the right, upon request, to correction, amendment or deletion of such nonpublic personal information, and, if we disagree with your request, to add your views to our records. In order to obtain your information or make such requests, or to report suspected misuse of your information, you must call the toll-free number (888) 522-7805.

CONFIDENTIALITY AND SECURITY

We protect your nonpublic personal information.Only employees who provide products or services to you will have access to such information.We maintain physical, electronic and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal information.

YOUR CALIFORNIA PRIVACY RIGHTS

California Civil Code Section 1798.83 permits users who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to or write us at the address listed below.

DO NOT TRACK DISCLOSURE

Some web browsers or other tools include "Do Not Track" (DNT) features which, when turned on, send a signal to websites you visit indicating that you do not wish to be tracked across websites over time. At this time, the Site does not respond to DNT signals.

CONTACT US

If you have any questions regarding this Policy, please contact us via e-mail. Please note that e-mail communications will not necessarily be secure; accordingly, you should not include credit card information or other sensitive information in your e-mail correspondence with us. We can be reached via postal mail at:

LBW Insurance and Financial Services

28055 Smyth Drive

Valencia, CA 91355

Or you can reach us by telephone at (888) 522-7805.

Last updated: 10/26/2018