Privacy Policy

Effective: September 7, 2023

INTRODUCTION AND ACCEPTANCE OF POLICIES

This privacy policy (“Privacy Policy”) governs and describes how U.S. Law Shield, LLC, and Texas Law Shield, LLC, and each of their subsidiaries, affiliates, and divisions operating in the United States and organized under the laws of the various States in the United States (“Company,” “we,” “us,” or “our”) may collect, use, and disclose information that may directly or indirectly identify you (“personal information” or “personal data”) through or from:

  • All website pages and subdomains associated with the TexasLawShield.com, USLawShield.com, lawshieldsecurity.com, uslawshieldleo.com, lawshieldtrust.com, gunlawseminar.com, leoseminars.com, 2ainstitute.com, 2aproud.com, and huntershield.com domains and mobile applications (collectively, the “Site”);
  • Information that may be collected during registration and/or subscription for our products and services and from other sources as detailed below; and
  • Third party sources such as data brokers, publicly available sources, and our partners.

This Privacy Policy also explains your rights with respect to such information.

Depending on the context of personal information you provide, Company may be the data controller (“Controller”) or data processor (“Processor”) of your personal information under this Privacy Policy. Company is a Controller of personal information submitted to the Site, or collected through the Site.

Your access to and use of the Site are subject to Company’s Terms and Conditions (the “Terms”), available at: www.uslawshield.com/terms-and-conditions.

Company’s Mobile Messaging & Telephone Terms and Conditions and Mobile Messaging & Telephone Privacy Policy is a subset of our overall Privacy Policy and is available at: www.uslawshield.com/u-s-lawshield-mobile-messaging-telephone-terms-and-conditions-and-mobile-messaging-telephone-privacy-policy/.

BY USING, REGISTERING TO, OR OTHERWISE ACCESSING THE SITE, YOU AGREE TO THIS PRIVACY POLICY AND GIVE AN EXPLICIT AND INFORMED CONSENT TO THE COLLECTION, USE AND PROCESSING OF YOUR PERSONAL DATA IN ACCORDANCE WITH THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE DO NOT VISIT, INSTALL, USE, REGISTER TO, OR OTHERWISE ACCESS OUR SITE OR ANY OF OUR SERVICES.

The Site is operated by Company. The Privacy Policy covers information collected at the Site, as well as information that may be collected from other sources as detailed below. The purpose of this Privacy Policy is to inform you of how we handle your personal data.

Enrolling in our services may require disclosure of certain personal information and acceptance of a contract, legally binding agreement, insurance policy, or similar. Nothing herein is intended to modify the terms of such agreements, contracts, or policies entered into separately and for good and separate consideration.

HOW TO CONTACT US

If you have any questions or comments about this Privacy Policy, the Site, or our privacy practices, including the processing of your personal information, if you would like to exercise your data rights under applicable laws, or if you believe your privacy rights have been violated, please contact us by:

Calling us within the U.S.: 1-877-448-6839

International: 1-877-448-6839

Or by email: [email protected]

For state-specific notices, please see below. If you are a California resident, please see the contact options in “California Residents’ Exercising Access, Data Portability, and Deletion Rights” below.

PERSONAL INFORMATION WE COLLECT ABOUT YOU

The types of personal information we collect depend on the nature of your interaction with us. Information that we collect from you may include the following categories; however, not all, if any, of the examples shown may be collected by us in a particular category:

Category Examples Collected Sources Business Purpose for Collection How it is Shared
A. 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. YES Sources: You; our affiliates; social media sites Site security, debugging/repair; performing services on behalf of Company; responding to inquiries; quality, safety maintenance and verification of a service or device; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). 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. Some personal information included in this category may overlap with other categories. YES Sources: You; our affiliates; social media sites Site security, debugging/repair; performing services on behalf of Company; responding to inquiries; quality, safety maintenance and verification of a service or device; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information
C. 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). YES Sources: You; our affiliates; social media sites Performing services on behalf of Company; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information
D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. YES Sources: You; our affiliates Performing services on behalf of Company; responding to inquiries; quality, safety maintenance and verification of a service or device; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information
E. Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. NO
F. Internet or other similar network activity. Browsing history, search history, information on a consumer’s interaction with a website, applications, or advertisement. YES Sources: You; our affiliates; social media sites Performing services on behalf of Company; responding to inquiries; quality, safety maintenance and verification of a service or device; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information
G. Geolocation data. Physical location or movements. YES Sources: You Performing services on behalf of Company; responding to inquiries; quality, safety maintenance and verification of a service or device; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information
H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. YES
Sources: You
Performing services on behalf of Company; responding to inquiries; quality, safety maintenance and verification of a service or device; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information
I. Professional or employment-related information. Current or past job history or performance evaluations. YES Sources: You Performing services on behalf of Company; responding to inquiries With our service providers and affiliated businesses, including those to whom you instruct us to send this information
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. NO
K. Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. YES Sources: You; our affiliates; social media sites Site security, debugging/repair; performing services on behalf of Company; responding to inquiries; quality, safety maintenance and verification of a service or device; enabling or effecting a commercial transaction With our service providers and affiliated businesses, including those to whom you instruct us to send this information

DATA SOURCES

We obtain the following data about you:

When you interact with our Site or register for our services:

  • Contact information, such as your name, address, phone number, and email address.
  • Purchase and financial information, billing and shipping address, and contact information.
  • Preference information, such as your contact and marketing preferences.
  • Demographic information, which may include age or birthdate, gender, ZIP code, and other information about you.

When you contact us or receive communications from us:

  • Call recordings, including information about your call and that which you share when you call us on the phone.
  • Records and copies of your correspondence (including email addresses and social media handles), if you contact us.
  • Your interactions with emails that we send to you, which may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), operating system, date/time stamp, and/or clickstream data.
  • If you use our careers page to apply for a job, you will have the opportunity to submit job-related information.

From other sources:

  • If you share from the Site or post a comment or other content with a friend/contact on social media, we may collect your friend’s/contact’s name.
  • We may receive information about you and your activities on and off the Site from third-party partners, such as information from a partner when we jointly offer services or from an advertiser about your experiences or interactions with them. We may add this information to the information we have already collected from you in order to improve the products and services we provide.

For more information on how to review or update your data preferences, please review the “Your Right to Access or Correct Personal Information” section below.

CATEGORIES OF SOURCES FOR PERSONAL INFORMATION WE COLLECT ABOUT YOU

We collect information through various categories of sources. For example, we collect and obtain information:

  • You provide, such as when you purchase and use our services, interact with customer service, contact us, respond to a survey, engage in a promotional activity, register to attend an event, apply for employment, or sign up for emails or marketing information.
  • From affiliated companies.
  • From social media platforms and networks that you use in connection with our Site or that share or allow you to share information with us, such as Facebook, Twitter, Pinterest, and Instagram. Please review the privacy policies and settings of the social media platforms and networks that you use.
  • Using cookies and automatic collection methods.
  • Information provided by third parties. To the extent allowed by applicable law, we may collect personal information about you from other third-party sources. We may maintain this information or associate it with personal information we already have about you. This information helps us to improve our Site, to deliver better and more personalized products and services, to update, expand, and analyze our records, identify new customers, and provide products and services that may be of interest to you. To the extent we combine such third-party information with information we already have about you, we will treat the combined information in accordance with this Privacy Policy. Third-party sources we may use vary over time, and may include:
    • Data brokers from which we purchase demographic data to supplement the information we collect.
    • Social networks when you reference our products or services or grant permission to Company to access your data on one or more of these services.
    • Our partners with whom we may offer co-branded services or engage in joint marketing activities.
    • Publicly-available sources or data in the public domain.
  • From public sources or purchased from third parties. Examples of the types of personal information that may be obtained from public sources or purchased from third parties and combined with information we already have about you, may include:
    • Contact information about you from third-party sources to verify your address so we can better recognize your preferences, prevent fraud, or communicate with you; or
    • Data acquired from third parties, such as social networking sites and affiliated brands, which is combined with information we already have about you, to create more tailored advertising and experiences.

OUR PURPOSE FOR COLLECTING INFORMATION

We use the information that we collect to conduct our business, deliver the Site, and to provide you with the best possible user experience. We may use the information in the following ways.

To Provide Products and Services:

  • To present the Site and its contents to you and allow you to participate in interactive features on the Site (including promotions);
  • To fulfill your subscription and process your payments and other transactions requested by you, and to send you confirmation regarding the foregoing;
  • To provide our products or services to you;
  • To provide you with information regarding our products and services that we think you will like;
  • To respond to you, such as when you purchase our products or services, call us, make a request or inquiry, complete a survey, apply for employment, or share a comment or concern;
  • To personalize your experiences with us and the Site, including remembering your interests and preferences, customizing the products and services we share with you, facilitating your interactions with our salespeople, and tracking and categorizing your activity and interests on our Site;
  • To send you marketing communications, communicate with you about our products or services, respond to you when you contact us, and let you know about our policies and terms;
  • To carry out our obligations and enforce our rights that arise from any contracts entered into between you and us, including for billing and collection;
  • To provide you with notices about your account or subscription, including expiration and renewal notices;
  • To create a list of actual and prospective users and subscribers for our products or services;
  • To comply with any legal or regulatory obligations;
  • For analytics to improve our Site and business processes, to detect and prevent fraud, and for any other business purpose that is permitted by law; and
  • For any other purpose for which you provide your consent.

To Process Transactions:

We use third-party payment processors to process payments made to us. In connection with the processing of such payments, we do not retain any financial information such as credit card numbers. Rather, all such information is provided directly to our third-party processors and is governed by those third-party processors’ privacy policies. We only use payment processors who are PCI-compliant.

For Data Retention:

Subject to applicable law, we may retain your information for as long as your account is active or as needed to provide you products or services, comply with our legal obligations, resolve disputes, and enforce our agreements. We may not remove your personal information when there is a legal storage requirement, such as accounting rules or when there are other legal grounds to keep the data, such as an ongoing contractual relationship.

CATEGORIES OF THIRD PARTIES WITH WHOM WE SHARE PERSONAL INFORMATION

We do not sell your personal information to third parties; however, we do share personal information with third parties for other purposes. We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We may share your personal information with the following categories of third parties:

  • Business Partners and Affiliated Companies. We disclose personal information and other data with select business partners and affiliated companies which provide goods, services and offers that enhance your experience with Company, or that we believe will be of interest to you.
  • Service Providers. We disclose personal information and other data to third-party service providers for the purposes described in this Privacy Policy. Examples of service providers include companies that provide website hosting, data analysis, insurance providers, payment processing, order shipping or fulfillment, information technology and related infrastructure provision, customer service, email delivery, marketing, auditing, and other services.
  • Linked Accounts and Promotional Activity. We partner with certain third parties that allow you to enroll in their products or services or participate in their promotions. When you enroll in those products or services, we disclose your personal information and other data to those third parties. Data shared in this way will be governed by the third party’s privacy policy and not this Privacy Policy.

The above excludes text messaging originator opt-in data, consent, and mobile subscriber information; this information will not be shared with third parties, without your consent.

Corporate Reorganization. We may disclose or transfer your personal information and other data to a third party in the event of any reorganization, merger, acquisition, sale, joint venture, assignment, transfer, or other disposition of all or any portion of Company’s business, assets, or stock (including any bankruptcy or similar proceedings).

OTHER USES AND DISCLOSURES

We will use and disclose personal information as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including authorities outside your country of residence and to meet national security or law enforcement requirements; (d) to enforce our Terms and other agreements; (e) to protect our operations; (f) to protect the rights, privacy, safety or property of Company, you, or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.

AGGREGATE, DE-IDENTIFIED DATA

We also collect, use, and share aggregated and de-identified data such as statistical or demographic data for any purpose at our discretion. Aggregate and de-identified data could be derived from your personal information but will not directly or indirectly reveal your identity. If we combine or connect aggregate or de-identified data with your personal information so that it could be used to directly or indirectly identify you, we would treat such combined data as personal information, which will be used in accordance with this Privacy Policy.

DISCLOSURES OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE

In the preceding twelve (12) months, Company has disclosed the following categories of personal information for a business purpose:

  • Identifiers.
  • Personal information (under California statute).
  • Protected classification characteristics (under California or federal law).
  • Commercial information.
  • Internet or other similar network activity.
  • Geolocation data.
  • Inferences drawn from other Personal Information.
  • Professional or employment-related information.

We disclose your personal information for a business purpose to the following categories of third parties:

  • Business Partners and Affiliated Companies
  • Service Providers
  • Linked Accounts and Promotional Activity
  • Third parties to whom you authorize us to disclose your personal information in connection with products or services we provide to you.

YOUR RIGHTS AND CHOICES REGARDING YOUR PERSONAL INFORMATION

By using our Site, to the maximum extent permitted by applicable law, you expressly give your consent for the collection and use of your personal information in compliance with this Privacy Policy. This does not affect lawful processing under applicable laws based on other legal basis, such as contractual obligation, compliance with applicable laws, and other legitimate purposes.

Right to Opt-Out

Company offers Site visitors and users a means to choose how we use the information provided. If you receive a marketing communication or promotion from us, you may opt-out of these communications at any time. For marketing or promotional emails, you may opt out by following the unsubscribe instructions included in the email, or by sending us an email at the address noted in the Contact Information section above. For mobile messaging, you may opt-out by texting “STOP” to any mobile message from Company or, alternatively, by calling us at the number noted in the Contact Information section above. For telephone, you may opt out by calling Company at the number noted in the Contact Information section above; providing the phone number(s) to be added to our do-not-call list by writing Company at: U.S. LawShield, 1020 Bay Area Blvd., Suite 220, Houston, TX 77058; or by notifying the Company representative who placed the telephone call. For more information regarding Company’s Mobile Messaging & Telephone Terms and Conditions and Mobile Messaging & Telephone Privacy Policy, please visit: /u-s-lawshield-mobile-messaging-telephone-terms-and-conditions-and-mobile-messaging-telephone-privacy-policy/. Mobile application users can manage their settings through their individual application and device settings. For state-specific notices, including those applicable to California residents, please see below.

Right to Access or Correct Personal Information

You have the right to access and correct your personal information. If you want to review or correct your personal information, you can login to the Site and visit your account profile page, or you may send us an e-mail at the address noted in the Contact Information section above.

CHILDREN’S PRIVACY

Our Site and services are not intended for children under the age of 13. No one under age 13 years-old may provide any personal information to or on the Site. We do not knowingly collect, maintain, or use personal information from children under the age of 13. If you are under 13 years of age, do not use or provide any information on our Site, make any purchases through the Site, or provide any information about yourself to us, including your name, address, telephone number, or email address. If we learn we have collected or received personal information from a child under 13 years-old, we will promptly delete that information from our records.

CALIFORNIA RESIDENTS’ EXERCISING ACCESS, DATA PORTABILITY, AND DELETION RIGHTS

This Section supplements the other parts of our Privacy Policy, and provides additional information for California residents. Consumers who are California residents, as defined in Section 17014 of Title 18 of the California Code of Regulations, have the right to request that Company disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting 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 (also called a “data portability request”).
  • Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Access to Information and Right to Know

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Such right includes the following information about personal information we may collect from you:

  • The categories of personal information collected;
  • The categories of sources of personal information collected;
  • The business or commercial purpose for collecting, selling, or sharing personal information;
  • The categories of third parties with whom we share or sell information; and
  • The specific pieces of information we have collected about you.

Upon receipt of a verifiable request, we will provide you access to personal information we have collected about you or disclose to you the categories of personal information we have collected, the categories of sources from which we obtained that information, and how we have used or shared that information.

Deletion Request Rights

You have the right to request that Company delete any of your personal information that we collected from you and retained, subject to certain exceptions. 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.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546  et seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  • Comply with a legal obligation, including, but not limited to, preserving evidence that demonstrates our compliance with the Telephone Consumer Protection Act (“TCPA”) during the statute of limitations period applicable to the TCPA.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Correction Rights

If you believe that information we maintain about you is inaccurate, you have the right to request that we correct that information.

Opt-Out Rights Regarding Sale or Sharing

You have the right to opt out of the sale or sharing of your information, if applicable. You may opt-out of sale or sharing of personal information by using the procedures noted below.

You also have the right to opt out of automated decision-making, including profiling. Company does not use personal data for profiling in furtherance of decisions that produce legal or similarly significant effects concerning consumers.

Right to Limit

You have the right to limit the use and disclosure of sensitive personal information, such as providing you with the services you requested. Under California law, “sensitive personal information” is a subset of personal information that includes: government identifiers (such as social security numbers); an account log-in, financial account, debit or credit card number (with any required security code, password, or credentials allowing access to an account); precise geolocation; contents of mail, email, and text messages; genetic data; biometric information processed to identify a consumer; information concerning a consumer’s health; or information about racial or ethnic origin, religious or philosophical beliefs, or union membership. We do not use or disclose sensitive personal information for any purposes to which the right to limit use and disclosure of sensitive personal information applies under California law.

Exercising or Inquiring About Your Rights

If you are a California resident seeking to exercise the access, knowledge, data portability, deletion, correction, opt-out, or limitation rights described above, please submit a verifiable consumer request to us by either:

Only you—or a person registered with the California Secretary of State that you authorize to act on your behalf—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.

You may only make a verifiable consumer request for access or data portability 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.
  • 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 personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. 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 Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-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. For data portability requests, we will select a format to provide your personal information that is readily useable 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 tell you why we made that decision and provide you with a cost estimate before completing your request.

Right to Non-Discrimination and No Retaliation

We will not discriminate against you for exercising any of your personal information rights. Unless required and permitted by applicable law, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Please note that, in instance where personal information is necessary for us to provide you with goods or services, we may not be able to complete that transaction without such personal information.

Our Policy on “Do Not Track” Signals and Third-Party Website Tracking under the California Online Privacy Protection Act (CalOPPA)

We do not support Do Not Track (“DNT”). DNT is a feature or setting you may be able to set in your web browser or mobile device to inform websites or mobile applications that you do not want to be tracked.

You can enable or disable DNT by visiting the Preferences or Settings section of your web browser or mobile application.

We do not engage in the collection of personal information over time across third-party websites, and we do not permit third parties to gather information passively on our Site for behavioral advertising purposes.

Your California Privacy Rights

Under California law, a California resident with whom Company has an established relationship has the right to request certain information with respect to the types of personal information Company has shared with third parties for their direct marketing purposes (if any), and the identities of those third parties, within the immediately preceding calendar year, subject to certain exceptions. In response to a written request, Company is allowed to provide a cost-free means to opt-out of such sharing.

Since Company does not provide your personal information to third parties for their direct marketing purposes, it is not necessary for us to establish this procedure. We may still share your information with our service providers that help us perform functions and provide services that are necessary for our business. These entities are contractually obligated to keep this information confidential and are prohibited from further using your personal information for any purpose other than for the business services they provide to Company.

COLORADO PRIVACY NOTICE

This Section supplements the other parts of our Privacy Policy, and provides additional information for Colorado consumers, as defined in Section 6-1-1303(6) of the Colorado Revised Statutes. As noted in this Privacy Policy, Company does not sell your personal information to third parties for monetary consideration; however, we do share personal information with third parties for other purposes, including to enhance your experience with Company and provide you with services and advertisements that may be of interest to you. Company does not use personal data for profiling in furtherance of decisions that produce legal or similarly significant effects concerning consumers.

Colorado consumers have specific rights under the Colorado Privacy Act:

  • Right to Opt Out: The right to opt out of the processing of the personal data concerning the Colorado consumer for purposes of (A) targeted advertising, (B) the sale of personal data, or (C) profiling in furtherance of decisions that produce legal or similarly significant effects concerning the Colorado consumer.
  • Right to Access and Data Portability: The right to inquire about the processing of personal data, including whether such data pertaining to the Colorado consumer is being processed, and to access such personal data. The right to access such data includes the right to obtain a copy of the personal data in a portable format, if applicable.
  • Right to Correction: The right to correct inaccuracies in the personal data of the Colorado consumer.
  • Right to Deletion: The right to delete personal data concerning the Colorado consumer.
  • Right to Appeal: In some instances, Company may be unable to process requests relating to personal data. A Colorado consumer whose privacy rights request has been denied and who believes such denial was in error may appeal for reconsideration.

Colorado consumers who wish to exercise their rights under Part 13 of Article 1 of Title 6 of the Colorado Revised Statutes may submit a request by:

You may only make a request for access or data portability twice within a 12-month period. The 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.
  • 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 personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a request does not require you to create an account with us. We will only use personal information provided in a request to verify the requestor’s identity or authority to make the request.

CONNECTICUT PRIVACY NOTICE

This Section supplements the other parts of our Privacy Policy, and provides additional information for Connecticut residents. As noted in this Privacy Policy, Company does not sell your personal information to third parties for monetary consideration; however, we do share personal information with third parties for other purposes, including to enhance your experience with Company and provide you with services and advertisements that may be of interest to you. Company does not use personal data for profiling in furtherance of decisions that produce legal or similarly significant effects concerning consumers.

Connecticut consumers, as defined in Section 42-515(7) of the Connecticut General Statutes, have specific rights under the Connecticut Data Privacy Act:

  • Right to Access and Data Portability: The right to inquire about the processing of personal data, including whether such data pertaining to the Connecticut consumer is being processed, and to access such personal data. The right to access such data includes the right to obtain a copy of the personal data in a portable format, if applicable.
  • Right to Correct: The right to correct inaccuracies in personal data pertaining to the Connecticut consumer.
  • Right to Delete: The right to delete personal data concerning the Connecticut consumer.
  • Right to Opt Out: The right to opt out of the processing of the personal data for purposes of (A) targeted advertising, (B) the sale of personal data, or (C) profiling in furtherance of solely automated decisions that produce legal or similarly significant effects concerning the Connecticut consumer.
  • Right to Appeal: In some instances, Company may be unable to process requests relating to personal data. A Connecticut consumer whose privacy rights request has been denied and who believes such denial was in error may appeal for reconsideration.

Connecticut consumers who wish to exercise their rights under Chapter 743jJ of Title 42 of the Connecticut General Statutes may submit a request by:

The 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.
  • 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 personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a request does not require you to create an account with us. We will only use personal information provided in a request to verify the requestor’s identity or authority to make the request.

NEVADA PRIVACY NOTICE

This Section supplements the other parts of our Privacy Policy, and provides additional information for Nevada residents. As noted herein, we do not sell your personal information to third parties. Nevada residents who wish to inquire about their sale opt-out rights under Chapter 603A of the Nevada Revised Statutes may submit a request by:

The 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.
  • 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 personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a request does not require you to create an account with us. We will only use personal information provided in a request to verify the requestor’s identity or authority to make the request.

VIRGINIA PRIVACY NOTICE

This Section supplements the other parts of our Privacy Policy, and provides additional information for Virginia residents. As noted in this Privacy Policy, Company does not sell your personal information to third parties. Company does not use personal data for profiling in furtherance of decisions that produce legal or similarly significant effects concerning consumers.

Virginia consumers, as defined in Section 59.1-575 of the Virginia Code, have specific rights under the Virginia Consumer Data Protection Act:

  • Right to Access and Data Portability: The right to inquire about the processing of personal data, including whether such data pertaining to the Virginia consumer is being processed, and to access such personal data. The right to access such data includes the right to obtain a copy of the personal data in a portable format, if applicable.
  • Right to Correct: The right to correct inaccuracies in personal data concerning the Virgina consumer.
  • Right to Delete: The right to delete personal data pertaining to the Virgina consumer..
  • Right to Opt Out: The right to opt out of the processing of the personal data for purposes of (i) targeted advertising, (ii) the sale of personal data, or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects regarding the Virginia consumer.
  • Right to Appeal: In some instances, Company may be unable to process requests relating to personal data. A Virginia consumer whose privacy rights request has been denied and who believes such denial was in error may appeal for reconsideration.

Virginia consumers who wish to exercise their rights under Chapter 53 of Title 59.1 of the Virginia Code may submit a request by:

You may only make a request for access or data portability twice within a 12-month period. The 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.
  • 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 personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a request does not require you to create an account with us. We will only use personal information provided in a request to verify the requestor’s identity or authority to make the request.

FINANCIAL INCENTIVE OFFERS AND BONA FIDE LOYALTY PROGRAMS

Company may offer “financial incentives” (as set forth in the California Consumer Privacy Act) or participation in a loyalty program (as included in the Colorado Privacy Act) for the collection, retention, and use of your personal information and sensitive personal information, as permitted by applicable state laws. This Privacy Policy identifies the categories of personal information that Company may collect or process. Dependent upon location and in accordance with applicable laws therein, a financial incentive(s) or loyalty program (“program” for purposes of this section) may provide access to third-party discounts or result in reasonably different prices, rates, or quality levels (see below chart). For example, Company may offer access to discounts for participating third party retailers in exchange for your registration for an account and affirmative consent to receipt of promotional email, text messaging, and/or telephone calls from Company.

Participation requires your prior opt-in consent, which you may revoke at any time (i.e., terminate participation and forgo the ongoing program benefits). You can continue to access the Site and, if applicable, any products and services without participating. Please note that Company may, in its discretion, add or change incentive programs and/or their terms.

Program Personal Data Details Incentive Offered
2A Defender Deals Name, email, phone number Collection of participants’ email addresses and/or phone numbers to facilitate the operations of Company and this program, issue marketing and promotional messages to participants, and provide participants with the incentive or loyalty program benefits. Discounts at participating third-party retailers.

Any financial incentive Company may offer to consumers is reasonably related to the value of your data. Company has valued the personal information it obtains through such program based on a reasonable and good faith estimate of the value of the consumer’s data through the consideration of relevant expenses related to the offer and provision thereof, and the collection and retention of personal information.

Participants in such program(s) may make a personal information deletion request, as set forth in this Privacy Policy. Only you, or an individual legally authorized to act on your behalf, may make a request related to your personal information. You may also terminate participation in such program(s) at any time by calling Company, Toll Free, at: 1-877-448-6839; or emailing Company at: [email protected]. Please note that, if you delete your personal data, we may be unable to further provide program benefits to you because we will not have the information required to provide such program benefits. Regarding a termination request, some program data associated with the terminated account may be retained forrecordkeeping, tax reporting, and other legally permissible purposes. Any program is void where prohibited by law.

INFORMATION SECURITY

Company will maintain appropriate technical and organizational security measures designed to protect your personal information from accidental loss, unauthorized use, alteration, or disclosure. Although we implement and maintain security measures that are appropriate for our business activities, please be aware that no security measures are perfect or impenetrable and any transmission of personal information is at your own risk. If you have questions regarding the security of your personal information, you can contact us at [email protected].

COOKIES AND TRACKING TECHNOLOGIES

Like most online content operators, Company, its affiliated companies, and business partners use cookies or similar technologies to analyze trends, administer the Site, track users’ movements around the Site, and gather demographic information about our userbase as a whole (“Cookies”). Most browsers are set to accept Cookies by default and you can control the use of Cookies at the individual browser level, but if you choose to disable Cookies, it may limit your use of certain features or functions on our Site. Unless you have adjusted your settings so that they will refuse Cookies, our system will issue Cookies when you direct your browser to our Site. Additionally, some Internet browsers and mobile operating systems may have a “do not track” feature or setting that lets you tell websites or mobile applications that you do not want to have your online activities tracked. These features are not yet uniform, and we are currently not set up to respond to such signals.

We use session Cookies that expire at the end of a browser session (from when a user opens the browser window to when they exit the browser) and persistent Cookies, which remain on your hard drive until you erase them or they expire. How long a persistent Cookie remains on your browser depends on how long the visited website has programmed the Cookie to last, or they can be stored for longer.

We use Cookies for different purposes, including tracking your consent for various services, personalizing content, and targeting advertisements.

ANALYTICS

We use analytics providers, such as Google Analytics, to better understand customers’ and users’ behaviors, experiences, demographics, interests, online interactions, and device functionalities to provide our products or services. Google Analytics is a web analytics tool offered by Google that may track and report website traffic and mobile application engagement through the use of Cookies. Google uses the data collected to track and monitor the use of our Site. This data is also shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network, including for remarketing and reengagement purposes.

If you wish to opt-out of Cookies and/or device identifiers, you may visit Google’s Ad Settings or the Network Advertising Initiative, available here: http://www.google.com/settings/ads and https://thenai.org/opt-out/, respectively; or install the Google Analytics Opt-out Browser Add-on, available here: https://tools.google.com/dlpage/gaoptout. Mobile application users can manage their privacy settings through their application and device settings, an overview of which is available here: https://support.google.com/ads/answer/1660762#mob. More information on Google Analytics is available on the following webpages: https://analytics.google.com/analytics/; https://marketingplatform.google.com/about/. For more information on the privacy practices of Google, please visit the Google Privacy Policy webpage, available here: https://policies.google.com/privacy.

CHANGES TO THIS POLICY

Company reserves the right to modify this Privacy Policy at any time. It is our policy to post any changes we make to this Privacy Policy on our Site, at this page, which is also accessible via our mobile applications, and the changes will be effective upon Company’s publication of the updated Privacy Policy except as described below. If Company makes material changes to how we treat your personal information, we will notify you by e-mail (sent to the e-mail address specified in your account) or by means of a notice on our Site thirty (30) days prior to the change becoming effective. However, changes made to comply with applicable laws will be effective immediately. You are responsible for ensuring we have an up-to-date e-mail address for you and periodically accessing this page to check for any changes to our Privacy Policy. Your continued use of the Site and the products or services expressly indicates your acceptance of Company’s then-current Privacy Policy and your consent to Company’s collection of personal information in accordance with the then-current Privacy Policy.

If you have questions or concerns about this Privacy Policy, please contact Company using the information in the Contact Information section above. The effective date of this Privacy Policy is identified at the top of the page.

SITE LOCATION, TRANSFER, AND PROCESSING

THE SITE IS OPERATED BY COMPANY IN THE STATE OF TEXAS, UNITED STATES OF AMERICA, AND PERSONAL INFORMATION WILL BE PRIMARILY STORED IN THE UNITED STATES. BY PROVIDING PERSONAL INFORMATION TO US, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU ACKNOWLEDGE THAT WE COLLECT, MAINTAIN, PROCESS, AND TRANSFER SUCH INFORMATION IN AND TO THE UNITED STATES AND OTHER COUNTRIES AND TERRITORIES, PURSUANT TO THE LAWS OF THE UNITED STATES OR SUCH OTHER JURISDICTIONS, WHICH MAY PROVIDE LESSER PRIVACY PROTECTIONS THAN EUROPEAN ECONOMIC AREA COUNTRIES, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU ACKNOWLEDGE THAT YOUR INFORMATION MAY THUS BE SUBJECT TO U.S. FEDERAL AND TEXAS STATE LAW AND OTHER FOREIGN LAWS AND ACCESSIBLE TO U.S. AND FOREIGN GOVERNMENTS, COURTS, LAW ENFORCEMENT, AND REGULATORY AGENCIES. BECAUSE COMPANY IS LOCATED IN THE UNITED STATES, THESE DATA TRANSFERS TO THE UNITED STATES ARE NECESSARY TO PROVIDE THE SITE AND PRODUCTS AND SERVICES TO YOU AS SET FORTH IN THE TERMS AND TO OPERATE OUR SITE. WHEN APPLICABLE, WE WILL OBTAIN YOUR CONSENT FOR THESE DATA TRANSFERS TO THE UNITED STATES.

DISPUTE RESOLUTION

If you have an unresolved privacy or data use concern that Company has not addressed satisfactorily, please contact [email protected].

FORTEGRA PRIVACY NOTICE

You may have a relationship with one or more of the following Fortegra Financial Corporation affiliates: Bankers Life of Louisiana, Blue Ridge Indemnity Company, Insurance Company of the South, Life of the South Insurance Company, Lyndon Southern Insurance Company, Response Indemnity Company of California, and Southern Financial Life Insurance Company. The trust of our customers is our most valuable asset. In the course of providing products and services to you we will obtain information about you. Your trust in providing this information is safeguarded by keeping nonpublic personal information about our customers in a secure environment and using that information in accordance with this Privacy Policy.

This Privacy Policy generally describes our policy about obtaining and disclosing nonpublic information about you, examples of nonpublic information we collect, and the companies with which we may share this information. These examples are for illustrative purposes only and are not intended to be considered a complete description of all information we collect, maintain, or use in our sharing practices. You may have other privacy protection under some state laws. We will comply with the applicable state and federal laws regarding nonpublic information about you.

Information we may collect.

Customer Information. Customer information includes identifying information such as your name, address, telephone number, employer, social security number, income, age, and demographic data about you. It also includes information about your transactions with us, such as claims history, premiums, and insurance coverage.

Financial Information. Financial information is information covered by the Fair Credit Reporting Act and information such as your credit history, credit card usage, income, assets, and loan records. It also includes information from consumer reporting agencies, public records, and data collection agencies.

Health Information. Health information includes medical history provided by doctors, hospitals or other health care providers, other insurance companies, and you. Health information will be collected, as authorized by you, or otherwise permitted by law, as we deem appropriate to determine eligibility for coverage, to process claims, and to prevent fraud.

What we do with the information we obtain.

The nonpublic information we may collect as described above may be disclosed, where permitted by law, in order to offer you product and services. Examples of disclosures permitted by law would include disclosures to organizations who provide claims administration, underwriting, audits, investigation, or policyholder services. We may use affiliated and nonaffiliated parties to perform these services. Services also include protecting against fraud and companies who maintain software for us. We may also disclose information in response to requests from law enforcement authorities or state insurance authorities.

Independent Sales Agents and Agents in General.

Sales agents who represent us are independent, and your independent sales agent may gather and retain customer information, financial information, and/or health information about you. The use and protection of this information by your independent sales agent is your independent sales agent’s responsibility, not the responsibility of Fortegra Financial Corporation or its affiliated companies. If you have questions about how your independent sales agent may use or disclose this information, please contact your independent sales agent.

Information regarding Former Customers.

We do not disclose nonpublic personal information about former customers, except in accordance with this Privacy Policy.

Changes to our Privacy Policy

We reserve the right to modify, change, or supplement this Privacy Policy at any time. If we make material changes to this policy, we will provide our customers with a revised notice that describes our new practices.