This privacy statement describes the policies and practices of U.S. & Texas Law Shield, and the U.S. & Texas Law Shield entities operating in the United States of America, in collecting, using, and safeguarding the private information that may be obtained through use of its services and websites.
U.S. LawShield, U.S. LawShield, LLC, and Texas LawShield, LLP, have subsidiaries, affiliates, and divisions operating in the United States and organized under the laws of the various States in the United States. These entities are referred to collectively herein as the “Company.” Individuals who browse, use, utilize the services of, register with, or enter into membership through the Company’s websites are collectively referred to hereafter as “users.”
CHILDREN’S ONLINE PRIVACY PROTECTION ACT NOTICE
Our sites and services are intended for general audiences and are not targeted to persons under the age of 18. If you are under 18, please do not use our website. U.S. Law Shield does not knowingly collect personally identifiable information from children under the age of thirteen or utilize plug-ins or ad networks that collect personal information through child-directed third-party websites or online services. If the Company learns that it has collected personal information from a child under 13, the Company will take steps to promptly delete the information. Should this policy change, the Company would comply with the Children’s Online Privacy Protection Act, which requires us to notify and obtain consent from a parent or guardian before we collect, use and disclose the personal information of children who are under 13 years of age. The Company does not knowingly collect personal information from children under the age of 13.
Personal information is collected from users only after obtaining consent. Consent is obtained when users disclose information when subscribing to services, using the Company’s website, or requesting further information. Personally identifiable information is not collected when a user browses the Company website.
The Company may contact users about offers and opportunities from the Company, to provide educational and informational materials, to conduct surveys, and gather feedback. This privacy statement only extends to information controlled by the Company. This privacy statement expressly excludes information not controlled by the Company.
Enrolling in the Company’s subscription service 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 in the any such agreements, contracts, or policies entered into separately and for good and separate consideration.
The Company’s websites use Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to evaluate the use of the Company site. Google Analytics places a third-party cookie on your computer that is then used to compile reports of visitor traffic and internet usage. Google analytics does not have a database of individual profiles for each visitor and only collects aggregate data.
The Company uses log files comprising of non-personally identifiable information to analyze trends, administer the site, track movements throughout the site, calculate the number of document and file downloads, and gather broad demographic information for aggregate use.
Information provided to the Company is protected by the Company and is not sold or rented to any unrelated third parties without the express consent of the information provider, except that the Company may disclose data to its affiliates and business partners who have established similar privacy standards, when legally obligated to do so, or if disclosure is required to protect the rights over the Company, the Company’s members, or the users of the Company’s services. The Company expressly reserves the right transfer and share information within and among the entities, subsidiaries, affiliates, and division. The Company may also share aggregate demographic data that does not contain any personally identifiable information.
Validation may be required to obtain your membership from the Company. This validation may require verifying your information with a third party as described in the Company Privacy Statement. The Company may disclose the information provided to the extent necessary to obtain verification.
The Company website may contain links to external websites which are outside the scope of this privacy statement. The Company is not responsible for the privacy practices of such other sites and does not control the accuracy of information displayed by such websites.
FORUMS, BULLETIN BOARDS, TESTIMONIALS, CHAT ROOMS, AND SURVEYS
We permit you to post or send to us comments, information, ideas, concepts, reviews, or techniques and other material relating to Products and Services. Personal information submitted in this manner, through a forum, bulletin board, testimonial, chat room, or any similar or related service operated by the Company may be collected, used, and read by third parties, including other users. These responses may or may not be public. If you do not want your responses to be shared in a public forum, do not use any response feature on our site. The Company is not responsible for any information submitted through these services.
We occasionally request information from customers via surveys. Participation in these customer surveys is voluntary. Survey information is used to improve this web site and our services.
The Company protects information both online and off-line. The transmission of information, including any payment information, is encrypted and protected using Secure Sockets Layer (SSL). Stored customer information is kept in a secure environment where access is restricted to employees who need the information to perform a specific job (for example billing administration or the development team). Employees are required to use password-protected screen-savers and keep their computers up-to-date.
CHOICE / OPT-OUT
Users may occasionally receive information on products, services, and special deals from the Company or may receive informational newsletters. Users are given the opportunity to ‘opt-out’ of having information used for purposes not directly related to the Company’s service at the point where the information is requested.
Users may also elect not to receive additional promotional communications using the opt-out link provided in each promotional email or by emailing [email protected] Users may not opt-out of receiving service announcement updates as they contain important security information about the services.
Changes to Terms and Conditions
FORUM SELECTION & ARBITRATION
(b) A party who intends to seek arbitration must first send, by U.S. certified mail, a written Notice of Dispute (“Notice”) to the other party. A Notice to us should be addressed to: Notice of Dispute, General Counsel, U.S. & Texas Law Shield, 1020 Bay Area Blvd., Ste. 220, Houston, TX 77058 (the “Notice Address”). The Notice must (a) describe the nature and basis of the claim or dispute and (b) set forth the specific relief sought (“Demand”). If we do not reach an agreement to resolve the claim within 30 days after the Notice is received, we may commence an arbitration proceeding.
(c) The arbitration will be governed by the Arbitration Rules (the “AAA Rules”) of the American Arbitration Association (the “AAA”), as modified by these Terms, and will be administered by the AAA. We agree that any arbitration hearings will take place in Harris County, Texas. You agree to be bound by the decision of the Arbitration.
(d) Any appeals of Arbitration and any other lawsuits arising from this agreement must be filed in Harris County Texas.
(e) No court shall have jurisdiction over any lawsuits arising from this agreement , filed against U.S. & Texas Law Shield, LLP, unless and until the parties complete Arbitration pursuant to this agreement.
This privacy statement describes the policies and practices of The Company, and the Company entities operating in the United States of America (referred to herein as “The Company”), in collecting, using, and safeguarding the private information that may be obtained through use of the Company’s services and websites.
FORTEGRA FINANCIAL CORPORATION AFFILIATES
In many states, the Company has a relationship with one or more of the following Fortegra Financial Corporation affiliates: Bankers Life of Louisiana, Insurance Company of the South, Life of the South Insurance Company, Lyndon Southern Insurance Company, Blue Ridge Indemnity Corporation, Response Indemnity Company of California, and Southern Financial Life Insurance Company. In addition to the information above, if you have a relationship with a Fortegra Financial Corporation affiliate, the following terms shall apply:
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 Fortegra 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 Fortegra deems appropriate to determine eligibility for coverage, to process claims, and to prevent fraud.
What Fortegra does with the information obtained.
The nonpublic information Fortegra 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. Fortegra may use affiliated and nonaffiliated parties to perform these services. Services also include protecting against fraud and companies who maintain software for Fortegra.
Fortegra may also disclose information in response to requests from law enforcement authorities or State insurance authorities.
Independent Sales Agents and Agents in General.
Some sales agents who represent Fortegra 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.