LOADGUARD INSURANCE SOLUTIONS ("we," "us," or "our") respects the privacy of our users ("user" or "you"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, including any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the "Site"). Please read this privacy policy carefully. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THE SITE.
We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Last Updated" date of this Privacy Policy. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy on the Site, and you waive the right to receive specific notice of each such change or modification.
You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Site after the date such revised Privacy Policy is posted.
We may collect information about you in a variety of ways. The information we may collect on the Site includes:
Personally identifiable information, such as your name, business name, address, email address, telephone number, driver's license information, and demographic information, such as your age, gender, location, and business interests, that you voluntarily give to us when you:
You are under no obligation to provide us with personal information of any kind; however, your refusal to do so may prevent you from using certain features of the Site or obtaining insurance services.
Information necessary for insurance underwriting and policy administration, including:
Information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site.
Financial information, such as data related to your payment method (e.g., valid credit card number, card brand, expiration date) that we may collect when you purchase, order, return, exchange, or request information about our services from the Site.
We store only very limited, if any, financial information that we collect. Otherwise, all financial information is stored by our payment processor, and you are encouraged to review their privacy policy and contact them directly for responses to your questions.
Information from third parties, such as:
Having accurate information about you permits us to provide you with efficient insurance services and a customized experience. Specifically, we may use information collected about you via the Site to:
We may share information we have collected about you in certain situations. Your information may be disclosed as follows:
We may share your information with:
If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other entities for fraud protection and credit risk reduction.
We may share your information with third parties that perform services for us or on our behalf, including:
We may share your information with:
If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity. If we go out of business or enter bankruptcy, your information would be an asset transferred or acquired by a third party.
We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Site to help customize the Site and improve your experience. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the Site.
We may use third-party software to serve ads on the Site, implement email marketing campaigns, and manage other interactive marketing initiatives. This third-party software may use cookies or similar tracking technology to help manage and optimize your online experience with us.
We may partner with third-party vendors, such as Google Analytics and others, to allow tracking technologies and remarketing services on the Site. By accessing the Site, you consent to the collection and use of your information by these third-party vendors for analytics purposes.
We use administrative, technical, and physical security measures to help protect your personal information, including:
While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.
We do not knowingly solicit information from or market to children under the age of 13. If you become aware of any data we have collected from children under age 13, please contact us using the contact information provided below.
You may at any time review or change the information in your account or terminate your account by:
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use, and/or comply with legal requirements.
If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by:
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year.
If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
If you are a California resident, you may have additional rights under the California Consumer Privacy Act, including:
To exercise these rights, please contact us using the information provided below.
We are required by federal law to provide you with notice of our privacy practices regarding your financial information. This notice describes how we protect your personal financial information and how we may share it.
Information collected in connection with insurance transactions may be shared with affiliates and non-affiliated third parties as permitted by applicable insurance privacy laws and regulations.
If you have questions or comments about this Privacy Policy, please contact us at:
Loadguard Insurance Solutions
6410 Van Nuys Blvd G22
Los Angeles, CA 91401
Email: [email protected]