Privacy Policy

1. Introduction

LumiQuote ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. This policy complies with the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable state and federal laws.

2. Information We Collect

We may collect the following categories of personal information:

• Identifiers: Name, email address, phone number, postal address, IP address
• Insurance Information: Policy details, coverage needs, driving records, property information
• Financial Information: Credit history, loan application details (handled by partner financial institutions)
• Internet Activity: Browsing history, search history, interactions with our website
• Geolocation Data: General location based on IP address
• Professional Information: Employment status, income range (for loan qualification purposes)

3. How We Use Your Information

We use your personal information for the following business purposes:

• To provide insurance quotes and bind insurance policies
• To connect you with financing partners for down payment assistance
• To communicate with you about your inquiries, quotes, and policies
• To improve our website, products, and services
• To comply with legal obligations and insurance regulations
• To prevent fraud and ensure security
• For marketing purposes (with your consent where required)

4. Information Sharing and Disclosure

We may share your personal information with:

• Insurance Carriers: To obtain quotes and bind coverage on your behalf
• Financial Partners: Banks and lenders who provide down payment financing assistance
• Service Providers: Companies that perform services on our behalf (e.g., IT support, data analytics)
• Legal Authorities: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for monetary consideration. Any sharing for cross-context behavioral advertising is done only with your explicit consent.

5. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we collect
• Right to Delete: Request deletion of your personal information (subject to legal exceptions)
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt-out of the sale or sharing of your personal information
• Right to Limit Use: Limit the use of sensitive personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise these rights, please contact us at privacy@lumiquote.com or call 559-500-6184. We will verify your identity before processing your request.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Insurance records may be retained for periods required by state insurance regulations.

8. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

• Email: privacy@lumiquote.com
• Phone: 559-500-6184
• Mail: LumiQuote, Attn: Privacy Department