Privacy Policy
Last Modified: October 14, 2024
Lightwell Insurance Advisors ("Lightwell") respects your privacy and is committed to protecting it through compliance with this Privacy Policy and in a manner consistent with applicable law (“Policy”).
Application and Scope of Our Privacy Policy
This Policy describes the types of Personal Information (defined below) that Lightwell Insurance Advisors and its subsidiaries and affiliates listed at the bottom of the page, (“We”, “Us,” or, “Our”) may collect from you during and after our direct business relationship with you or that you may provide to Us when visiting Lightwell.com (“Website”). This Policy includes Our practices for collecting, using, maintaining, protecting, and disclosing your Personal Information, among other things.
This Policy applies to Personal information We may collect, use, and disclose 1. in the course of performing insurance brokerage or other services on your behalf, 2. on or from this Website, in email, text, and other electronic messages between you and this Website, or in the course of making available Our Website to you, and 3. when you interact with any advertising and applications on third-party websites and services if they include links directing you to this Policy.
Please read this Policy carefully to understand Our policies and practices regarding your Personal Information and any other collected information and how We treat it. By accessing or using this Website, you agree to this Policy. If you do not agree with our policies and practices, your choice is to not otherwise access or use Our Website.
If you need assistance or accommodations in order to access this Policy, We recommend you or someone on your behalf to contact Us at privacy@lightwell.com or 1-888-674-6018.
Updates to Policy
This Policy may change or be updated time from to time, as we may change Our practices and as required by law. Your continued use of this Website after We make changes is deemed your acceptance of those changes. We encourage you to visit this Policy from time to time when accessing Our Website to look for any updates. You are responsible for periodically visiting Our Website to check for any changes to this Policy. The current version of this Policy will be posted on our Website as it has historically been posted. The date it was Last Modified will be displayed on the top of the page.
Scope of Policy
Our Website may contain links to websites operated by third parties. We are not responsible for such third party sites, and these links do not constitute or imply endorsement by Us of the linked site or any material displayed on the linked site
This Policy does not apply to Personal Information or any other information collected by any third party (including Our subsidiaries and affiliates) through any application or content that may link or be accessible from or through the Website. Additionally, this Policy does not apply to Personal Information or any other information collected by Us offline or through any other means, including any other website operated by Us or any third party (including Our subsidiaries and affiliates).
Intended Adult Audience
Our Website is intended for a general adult audience only. No one under the age of 16 may provide any information or any Personal Information through our Website. Our Website is not intended for children under 16 years of age. We do not knowingly collect Personal Information from children under 16 years of age. If you are under the age of 16, do not use this Website or provide any Personal Information to Us on this Website. If We learn We have collected or received Personal Information from a child under 16 years of age without verification of parental consent, We will take reasonable steps to delete such Personal Information. If you believe We might have any information from or about a child under the age of 16, please contact Us.
Information We Collect and How We Collect It
We collect several types of information from and about users of Our Website, but the primary type of information We collect due to the nature of our business and the services We provide is Personal Information. We may also collect details about your internet connection, equipment used to access Our Website, and usage details.
Generally, “Personal Information” includes information by which you may be personally identified, directly or indirectly, such as your name, postal address, email address, and telephone number. Due to the nature of Our business, Personal Information may also include:
Your social security number, driver’s license or other government-issued identification;
Relevant financial information, such as assets, income, occupation, employment status, dependent information;
Information relating to past or present insurance claims;
Information from reporting agencies and state and federal government agencies such as motor vehicle departments;
Information from other sources, such as medical or health care providers and other third parties with which We or you maintain a relationship;
Your insurance account activity and premium payment history with insurance carriers;
Your banking or account information, as may be required to facilitate the payment of insurance premiums or similar amounts, which payment is generally made through third-party systems, such as insurance carriers;
Passive tracking information from our Website or the internet, including information obtained from the use of internet cookies.
Personal Information does not include aggregated or anonymous information that does not identify and cannot reasonably be used to identify you.
How We Collect Your Information
As noted above, due to the nature of Our business and the services We provide, We are generally unable to perform insurance services on your behalf without collecting, using, or disclosing your Personal Information. Typically, We collect your information, including Personal Information, directly from you when you provide it to Us or Our affiliates, from third parties, and automatically when you navigate through our Website. We generally only collect the amount and types of Personal Information that are necessary for Us to perform or support services on your behalf. We may also develop this information over time based on your direct and indirect interactions with Us through our Website.
- Information You Provide Us
Usually, you will provide your Personal Information directly to Us through your communications with Us. We may also collect Personal Information that you provide to Us by filling in forms on Our Website, or when you request an agent to contact you. We may also collect records and copies of your correspondence, including email addresses when you contact Us.
- Information From Third Parties
We may receive information, including Personal Information, from third parties, including insurance carriers and other service providers, and other third parties with which you maintain a relationship with, such as your employer, financial services provider, and health and medical providers. We generally only collect the amount and types of Personal Information necessary for Us to perform or support services on your behalf. This includes information that may be required by an insurance carrier or other service provider in the course of providing you with insurance coverage or related services.
If and when you provide information to Us on a third-party site or platform, the information you provide may be separately collected by the third party or platform. The information they collect may be associated with your Personal Information or they may collect certain information that includes your Personal Information. We do not control these third parties’ tracking technologies nor do We control how they may collect and/or use your Personal Information. We recommend you read the privacy policies of other websites that may collect your Personal Information.
- Information from Automatic Data Collection Technologies
When you visit Our website and interact with our Website, We may use automatic data collection technologies, such as “cookies” or “beacons” to gather and collect certain information about your device, equipment, browsing actions, and patterns. This information helps Us to analyze the use of Our Website and improve Our services and your user experience. In particular, these technologies help Us understand user behavior, including for security and fraud prevention, form information about which part of Our Website are visited, and to measure the effectiveness of advertisements and web searches. We may use these technologies to collect details of your visits to our Website, including traffic data, location data, logs, and other communication data and resources that you access and use on the Website. We may also collect information about your computer and internet connection, including your IP address, operating system, and browser type.
The technologies We use for automatic data collection may include “cookies” or “web beacons”. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser; however, if you select this setting, you may be unable to access certain parts of Our Website. Unless you have adjusted your browser setting to refuse cookies, Our system will issue cookies when you direct your browser to Our Website. Additionally, certain pages of Our Website and emails may contain small electronic files known as web beacons that permit Us to obtain certain website statistics. We generally treat data we collect using these technologies as non-personal data.
This Website may provide interactive services, including chatbot and managed chat and session replay technology. By accessing or using any of these features, you agree that we may record and retain a transcript of all communications with you via these interactive tools, and/or may record or recreate your activity while using the Website, in order to provide services, enhance your Website experience, and for quality and verification purposes. We may work with trusted service providers to analyze, store, and/or use this data on our behalf. Your use or access of any of these tools or of our Website is governed by this section, our Terms of Use, and our Privacy Policy.
How We Use and Disclose Your Personal Information
We generally only use and disclose your Personal Information to perform services on your behalf and to provide you with the insurance products and services you expect and request from Us. We may also use information that We collect about you or that you provide to Us, including Personal Information, to present Our Website and its contents (including the products and services We provide through it) to you or to notify you about changes to Our Website.
However, in order to operate our business and to provide you with Our products and services, We may also collect, use, and disclose your information, including Personal Information to contractors, technology and support service providers, and other third parties We use to support our business. We do not sell your Personal Information to third parties, other than in connection with a merger, sale, or other transaction involving the transfer of organizational assets where Personal Information held by Us is among the assets involved.
On occasion, We may use and disclose your information, including Personal Information, for other reasons, including:
To fulfill the purpose for which you provide the information to Us and for Our everyday business purposes, such as to obtain quotes for insurance placement and other services on your behalf; to obtain insurance or similar products on your behalf, or to facilitate the performance of related services by other industry service providers; to maintain or service your account or insurance, including by reporting claims of loss to other industry service providers such as insurance carriers and adjusters; to evaluate our performance or offerings, etc.
To comply with any court order, law, or legal process, including responding to any government or regulatory request, or to enforce or apply Our Terms of Use.
To carry out Our obligations and enforce Our rights arising from any contracts entered into, between you and Us, including for billing and collection.
For Our marketing purposes so We may offer our products and services to you through the use of targeted marketing that We believe may interest you. We will not rent or redistribute your Personal Information without consent unless legally required to do so. If you do not want Us to use your information in this way, please submit a request to Opt Out to privacy@lightwell.com.
For joint marketing purposes, so We and any third parties can jointly market and offer you products or services.
To Our subsidiaries and affiliates, such as to process or service transactions or provide and receive shared organizational services. We will not rent or redistribute your Personal Information without consent unless legally required to do so.
For any other purpose disclosed by Us when you provide the information or as may be permitted by law, or for any other purpose with your consent.
To protect the rights, property, or safety of Us, Our customers, or others, which may include exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
We will only disclose your decision to opt-in to receive text message (SMS) marketing with Our subsidiaries or affiliates, or other third parties if We obtain your consent or if legally required by law.
We may use and disclose aggregated information and other information that does not identify any individual, without restriction.
Your State Privacy Rights
State consumer privacy laws may provide their residents with additional rights regarding Our use of their residents’ Personal Information, such as the right to access and delete certain Personal Information. The exact scope of these rights may vary by state. To exercise any of these rights, please send a request to privacy@lightwell.com. You can also call Us at 1-888-674-6018.
To learn more about consumer privacy rights in other states and how to exercise them, please click below to expand the State Privacy Notice you’d like to review:
This additional information applies solely to consumers who reside in the State of California. Lightwell adopts this privacy notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”), the California Privacy Rights Act of 2020 (“CPRA”), and any related regulations issued by the California Attorney General.
Personal Information We Collect
We have collected the following categories of personal information from consumers within the last 12 months:
- Identifiers.
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.
- Personal information categories described in California Civil Code section §1798.80.
A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
- Protected classification characteristics under California or federal law.
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
- Internet or other electronic network activity information.
Browsing history, search history and information regarding interaction with an Internet Web site, application, or advertisement.
- Sensory data.
Audio, electronic, visual, thermal, olfactory, or similar information.
- Professional or employment-related information.
Information related to a person’s current or past job history, wage information or performance evaluations.
- Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).
Grades, transcripts, student financial information or student disciplinary records.
Your California Privacy Rights
The CCPA provides California residents with the right to request that we disclose what personal information we collect, use, disclose and sell.
Right to Access
You have the right to request that we disclose the following information regarding the preceding 12 months:
The categories of personal information we collected about you.
The categories of sources from which we collected personal information about you.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you.
If we disclosed your information for a business purpose, a list identifying the personal information categories that each category of recipient obtained.
If we sold your information, a list identifying the personal information categories that each category of recipient purchased. However, we do not sell personal information.
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information. We may deny your request if correction is not appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information that we collected from you. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies under applicable law.
We may deny your request to delete certain personal information if it is necessary to retain such information for business or legal purposes permitted under applicable laws.
Exercising Your Privacy Rights
You may exercise any of your privacy rights by either:
Calling us at 1-888-674-6018
Submitting a request through our California Consumer Privacy Act Request for Information Form
You may only make a verifiable consumer request to access personal information twice within a 12 month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative (e.g., full name, phone number and e-mail address).
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
Only you, or a person legally authorized to act on your behalf (an “Authorized Agent”), may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Authorized Agents
If you use an Authorized Agent to submit a request to know or a request to delete, we may require the Authorized Agent to submit proof that they have been authorized to act on your behalf. We may accept as proof either:
Written permission from you; or
A power of attorney pursuant to the California Probate Code §§ 4000 to 4465.
We may also require the Authorized Agent to verify their identity directly with us.
Confirmation and Response to Your Request
We will send you a confirmation of receipt within 10 days of receiving your request. We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Non-discrimination
We will not discriminate against you for exercising any of your rights under the CCPA. Unless permitted by the CCPA, we will not:
Deny you goods or services.
Charge you different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
Provide you with a different level or quality of goods or services.
Suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.
This additional information applies solely to consumers who reside in the State of Colorado. Lightwell Insurance Advisors adopts this privacy notice to comply with the Colorado Privacy Act (“CPA”) and any related regulations. Please see the general sections of this Privacy Policy for information on how we collect, use and share personal information.
Your Colorado Privacy Rights
The CPA provides Colorado residents with certain additional rights related to the processing of your personal information.
Right to Access
You have the right to confirmation of whether we are processing your personal information. If we are processing your personal information, you have the right to request a copy of such personal information that we have collected from you.
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information if appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information provided by or obtained about you. We may deny your request to delete certain personal information if it is necessary to retain such information for business or legal purposes permitted under applicable laws.
Right to Data Portability
When exercising your Right to Access, you have the right to receive personal data in a portable and, to the extent technically feasible, readily usable format. You may exercise this right no more than 2 times per calendar year.
Exercising Your Privacy Rights
You may exercise any of your privacy rights by either:
Calling us at 1-888-674-6018
Sending an email to privacy@lightwell.com
You may only make a verifiable consumer request to access personal information once within a 12 month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative (e.g., full name, phone number and e-mail address).
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response to Your Request
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain any reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Denial and Appeal
If we deny your request to access, correct, or delete personal information, you may appeal the decision by sending an email to privacy@lightwell.com. Within 45 days of receipt, we will respond to your appeal with information on any action taken or not taken in response to the appeal. If we require more time (up to 60 additional days), we will inform you of the reason and extension period in writing. If we deny your appeal, we will also provide a method through which you may contact the Colorado Attorney General to submit a complaint.
Non-discrimination
We will not discriminate against you for exercising any of your rights under the CPA. Unless permitted by the CPA, we will not increase the cost of, or decrease the availability of, a product or service based solely on your decision to exercise a right under the CPA.
This additional information applies solely to consumers who reside in the State of Connecticut. Lightwell Insurance Advisors adopts this privacy notice to comply with the Connecticut Personal Data Privacy and Online Monitoring Act (“CTDPA”) and any related regulations. Please see the general sections of this Privacy Policy for information on how we collect, use and share personal information.
Your Connecticut Privacy Rights
The CTDPA provides Connecticut residents with certain additional rights related to the processing of your personal information.
Right to Access
You have the right to confirmation of whether we are processing your personal information. If we are processing your personal information, you have the right to request a copy of such personal information that we have collected from you.
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information if appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information provided by or obtained about you.
Right to Portability
When exercising your Right to Access, you have the right to receive personal data in a portable and, to the extent technically feasible, readily usable format.
We may deny your request to access, correct, or delete personal information when necessary to:
Comply with federal, state, or local laws, rules, or regulations;
Comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, local, or other governmental authorities;
Cooperate with law-enforcement agencies concerning conduct or activity that we reasonably and in good faith believe may violate federal, state, or local laws, rules, or regulations;
Investigate, exercise, prepare for, or defend actual or anticipated legal claims;
Provide a product or service specifically requested by a consumer, perform a contract to which you are a party, or take steps at your request prior to entering into a contract;
Perform internal operations that are reasonably aligned with your expectations or reasonably anticipated based on your existing relationship with us, or are otherwise compatible with processing data in furtherance of the provision of a product or service specifically requested by you or the performance of a contract to which you are a party;
Prevent, detect, protect against, or respond to security incidents, identity theft, fraud, harassment, or malicious, deceptive, or illegal activity; preserve the integrity or security of systems; or investigate, report, or prosecute those responsible for any such action;
Conduct internal research to develop, improve or repair products, services or technology;
Effectuate a product recall;
Identify and repair technical errors that impair existing or intended functionality;
Engage in public or peer-reviewed scientific or statistical research in the public interest that adheres to all other applicable ethics and privacy laws and is approved, monitored, and governed by an institutional review board, or similar independent oversight entities that determine: (i) if the deletion of the information is likely to provide substantial benefits that do not exclusively accrue to us; (ii) the expected benefits of the research outweigh the privacy risks; and (iii) if we have implemented reasonable safeguards to mitigate privacy risks associated with research, including any risks associated with reidentification; or
Assist another controller, processor, or third party with its obligations under the CTDPA.
Process personal data for reasons of public interest in the area of public health, community health or population health, but solely to the extent that such processing is (A) subject to suitable and specific measures to safeguard the rights of the consumer whose personal data is being processed, and (B) under the responsibility of a professional subject to confidentiality obligations under federal, state or local law.
Protect an evidentiary privilege under Connecticut law.
Exercising Your Privacy Rights
You may exercise any of your privacy rights by either:
Calling us at 1-888-674-6018
Sending an e-mail to privacy@lightwell.com
You may make a verifiable consumer request to access personal information free of charge once within a 12 month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative (e.g., full name, phone number and e-mail address).
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
Response to Your Request
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain any reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Denial and Appeal
If we deny your request to access, correct, or delete personal information, you may appeal the decision by sending an email to privacy@lightwell.com. Within 45 days of receipt, we will respond to your appeal with information on any action taken or not taken in response to the appeal. If we require more time (up to 60 additional days), we will inform you of the reason and extension period in writing. If we deny your appeal, we will also provide a method through which you may contact the Connecticut Attorney General to submit a complaint.
Non-discrimination
We will not discriminate against you for exercising any of your rights under the CTDPA. Unless permitted by the CTDPA, we will not increase the cost of, or decrease the availability of, a product or service based solely on your decision to exercise a right under the CTDPA.
This additional information applies solely to consumers who reside in the State of Texas. Lightwell Insurance Advisors adopts this privacy notice to comply with the Texas Data Privacy and Security Act (“TDPSA”) and any related regulations. Please see the general sections of this Privacy Policy for information on how we collect, use and share personal information.
Your Texas Privacy Rights
The TDPSA provides Texas residents with certain additional rights related to the processing of your personal information.
Right to Access
You have the right to confirmation of whether we are processing your personal information. If we are processing your personal information, you have the right to request a copy of such personal information that we have collected from you.
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information if appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information provided by or obtained about you.
Right to Portability
When exercising your Right to Access, you have the right to receive personal data in a portable and, to the extent technically feasible, readily usable format.
We may deny your request to access, correct, or delete personal information when necessary to:
Comply with federal, state, or local laws, rules, or regulations;
Comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, local, or other governmental authorities;
Investigate, exercise, prepare for, or defend actual or anticipated legal claims;
Provide a product or service specifically requested by you, perform a contract to which you are a party, or take steps at your request prior to entering into a contract;
Perform internal operations that are reasonably aligned with your expectations or reasonably anticipated based on your existing relationship with us, or are otherwise compatible with processing data in furtherance of the provision of a product or service specifically requested by you or the performance of a contract to which you are a party;
Prevent, detect, protect against, or respond to security incidents, identity theft, fraud, harassment, or malicious, deceptive, or illegal activity; preserve the integrity or security of systems; or investigate, report, or prosecute those responsible for any such action;
Conduct internal research to develop, improve or repair products, services or technology;
Effectuate a product recall;
Identify and repair technical errors that impair existing or intended functionality;
Engage in public or peer-reviewed scientific or statistical research in the public interest that adheres to all other applicable ethics and privacy laws and is approved, monitored, and governed by an institutional review board, or similar independent oversight entities that determine: (i) if the deletion of the information is likely to provide substantial benefits that do not exclusively accrue to us; (ii) the expected benefits of the research outweigh the privacy risks; and (iii) if we have implemented reasonable safeguards to mitigate privacy risks associated with research, including any risks associated with reidentification; or
Assist another controller, processor, or third party with its obligations under the TDPSA.
Protect an evidentiary privilege under Texas law.
Exercising Your Privacy Rights
You may exercise any of your privacy rights by either:
Calling us at 1-888-674-6018
Sending an e-mail to privacy@lightwell.com
You may make a verifiable consumer request to access personal information free of charge twice within a 12 month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative (e.g., full name, phone number and e-mail address).
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
Response to Your Request
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain any reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Denial and Appeal
If we deny your request to access, correct, or delete personal information, you may appeal the decision by sending an e-mail to privacy@Lightwell.com. Within 60 days of receipt, we will respond to your appeal with information on any action taken or not taken in response to the appeal. If we deny your appeal, we will also provide a method through which you may contact the Texas Attorney General to submit a complaint.
Non-discrimination
Within 60 days of receipt, we will respond to your appeal with information on any action taken or not taken in response to the appeal. If we deny your appeal, we will also provide a method through which you may contact the Texas Attorney General to submit a complaint.
This additional information applies solely to consumers who reside in the State of Utah. Lightwell Insurance Advisors adopts this privacy notice to comply with the Utah Consumer Privacy Act (“UCPA”) and any related regulations. Please see the general sections of this Privacy Policy for information on how we collect, use, and share personal information.
Your Utah Privacy Rights
The UCPA provides Utah residents with certain additional rights related to the processing of your personal information.
Right to Access
You have the right to confirmation of whether we are processing your personal information. If we are processing your personal information, you have the right to request a copy of such personal information that we have collected from you.
Right to Deletion
You have the right to request that we delete any personal information provided by or obtained about you.
Right to Portability
When exercising your Right to Access, you have the right to receive personal data in a portable and, to the extent technically feasible, readily usable format.
We may deny your request to access or delete personal information when necessary to:
Comply with federal, state, or local laws, rules, or regulations;
Comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, local, or other governmental authorities;
Cooperate with law-enforcement agencies concerning conduct or activity that we reasonably and in good faith believe may violate federal, state, or local laws, rules, or regulations;
Investigate, exercise, prepare for, or defend actual or anticipated legal claims;
Conduct internal research to improve, repair, or develop products, services, or technology;
Identify and repair technical errors that impair existing or intended functionality;
Perform internal operations that are reasonably aligned with your expectations or reasonably anticipated based on your existing relationship with us or are otherwise compatible with processing data in furtherance of the provision of a product or service specifically requested by you or the performance of a contract to which you are a party;
Provide a product or service specifically requested by a consumer, perform a contract to which you are a party, or take steps at your request prior to entering into a contract;
Protect the vital interests of you or of another individual;
Prevent, detect, protect against, or respond to security incidents, identity theft, fraud, harassment, or malicious, deceptive, or illegal activity; preserve the integrity or security of systems; or investigate, report, or prosecute those responsible for any such action;
Engage in public or peer-reviewed scientific or statistical research in the public interest that adheres to all other applicable ethics and privacy laws and is approved, monitored, and governed by an institutional review board, or similar independent oversight entities that determine: (i) if the deletion of the information is likely to provide substantial benefits that do not exclusively accrue to us; (ii) the expected benefits of the research outweigh the privacy risks; and (iii) if we have implemented reasonable safeguards to mitigate privacy risks associated with research, including any risks associated with reidentification; or
Assist another controller, processor, or third party with its obligations under the UCPA.
Effectuate a product recall;
Protect an evidentiary privilege under Utah law;
Prevent adversely affecting the privacy or other rights of any person.
Exercising Your Privacy Rights
You may exercise any of your privacy rights by either:
Calling us at 1-888-674-6018
Sending an email to privacy@lightwell.com
You may make a verifiable consumer request to access personal information free of charge once within a 12 month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative (e.g., full name, phone number and e-mail address).
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
Response to Your Request
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain any reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Non-discrimination
We will not discriminate against you for exercising any of your rights under the UCPA. Unless permitted by the UCPA, we will not increase the cost of, or decrease the availability of, a product or service based solely on your decision to exercise a right under the UCPA.
This additional information applies solely to consumers who reside in the State of Virginia. Lightwell Insurance Advisors adopts this privacy notice to comply with the Virginia Consumer Data Protection Act (“VCDPA”). Please see the general sections of this Privacy Policy for information on how we collect, use and share personal information.
Your Virginia Privacy Rights
The VCDPA provides Virginia residents with certain additional rights related to the processing of your personal information.
Right to Access
You have the right to request confirmation of whether we are processing your personal information. If we are processing your personal information, you have the right to request a copy of such personal information that we have collected from you.
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information if appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information provided by or obtained about you.
We may deny your request to delete certain personal information if it is necessary to retain such information for business or legal purposes permitted under applicable laws.
Exercising Your Privacy Rights
You may exercise any of your privacy rights by either:
Calling us at 1-888-674-6018
Sending an e-mail to privacy@lightwell.com
You may only make a verifiable consumer request to access personal information twice within a 12 month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative (e.g., full name, phone number and e-mail address).
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response to Your Request
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain any reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Denial and Appeal
If we deny your request to access, correct, or delete personal information, you may appeal the decision by sending an e-mail to privacy@lightwell.com. Within 60 days of receipt, we will respond to your appeal with information on any action taken or not taken in response to the appeal. If we deny your appeal, we will also provide a method through which you may contact the Virginia Attorney General to submit a complaint.
Non-discrimination
We will not discriminate against you for exercising any of your rights under the VCDPA. Unless permitted by the VCDPA, we will not:
Deny you goods or services.
Charge you different prices or rates for goods or services.
Provide you with a different level of quality of goods or services.
Information and Data Security Practices
We have implemented and continuously maintain technical and security measures designed to secure and protect your Personal Information from loss, misuse, unauthorized access, use, alteration, and disclosure. We are committed to securing your Personal Information in accordance with the appropriate industry standards. Despite Our efforts, the security of your Personal Information cannot be guaranteed. If you have reason to believe your Personal Information maintained by Us is no longer secure, please immediately contact Us. In the event of a breach impacting your Personal Information, We will provide you with proper notification to the extent required by any applicable law.
Subsidiaries and Affiliates
The Lightwell Insurance Advisors Privacy Policy, including any State Notices is provided on behalf of Lightwell Insurance Advisors, LLC and the following entities and their owned subsidaries or affiliates:
Lightwell Insurance Advisors of Arizona, LLC
Lightwell Insurance Advisors of Colorado, LLC
Lightwell Insurance Advisors of Georgia, LLC
Lightwell Insurance Advisors of Indiana, LLC
Lightwell Insurance Advisors of Iowa, LLC
Lightwell Insurance Advisors of Kentucky, LLC
Lightwell Insurance Advisors of Mississippi, LLC
Lightwell Insurance Advisors of New England, LLC
Lightwell Insurance Advisors of New Jersey, LLC
Lightwell Insurance Advisors of New York, LLC
Lightwell Insurance Advisors of Ohio, LLC
Lightwell Insurance Advisors of South Carolina, LLC
Lightwell Insurance Advisors of Texas, LLC
Lightwell Insurance Advisors of Washington, LLC
Lightwell Insurance Advisors of Wisconsin, LLC
American Church Group of California, LLC, serviced by Churchwest Insurance Services
Brothers in Christ Insurance Agency, LLC, serviced by Churchwest Insurance Services
ACG Mutual Insurance Agency, LLC, serviced by Churchwest Insurance Services
Contact Information
To ask questions about this Policy and our privacy practices, please contact us at privacy@lightwell.com or 1-888-674-6018.