Lucantha Marine Insurance (including its affiliates and subsidiaries) (together, Lucantha, we, our, and us) is committed to protecting your privacy. This privacy policy (Privacy Policy) applies to this website, https://www.lucanthamarineinsurance.com/, and any other websites, related products and services, including any associated interactive features, widgets, plug-ins, applications, content, downloads and other services we may offer to you that posts a link to this Privacy Policy (collectively, the Web Services), regardless of how you access or use them, whether via personal computer, browser, laptop, tablet, mobile phone or other device (each a Device).

This Privacy Policy covers how Lucantha collects, uses, shares, and processes personal and other information and data of users of our Web Services. To the extent that we provide you with notice through our Web Services of different or additional privacy policies or practices (e.g., at the point of collection), those additional privacy policies shall govern such data collection and use.

By using or accessing our Web Services or by submitting information to Lucantha, you consent to the terms of this Privacy Policy.

In addition to reading this Privacy Policy, please review our Terms of Use, which governs your use of our Web Services. These Terms of Use include a mandatory arbitration agreement and class waiver, so please review them carefully. If you do not agree to our Terms of Use and the collection, use and sharing of your information as detailed in this Privacy Policy, please do not access or otherwise use our Web Services or any information or content accessible on our Web Services.

We reserve the right to change this Privacy Policy at any time, and we will post a notice or inform you of any such changes on our Web site. Your use of our Web Services following the posting of an updated Privacy Policy constitutes your acceptance of such updated Privacy Policy. We reserve the right to apply the amended terms to the information that we have already collected, subject to any legal constraints. We will not, however, use your previously collected Personal Information (defined below) in a manner materially different than represented at the time of collection. To the extent any provision of this Privacy Policy is found by a competent tribunal to be invalid or unenforceable, such provision shall be severed to the extent necessary for the remainder to be valid and enforceable.

Please note that this Privacy Policy applies only to our information-gathering, use, and dissemination practices in connection with our Web Services. This Privacy Policy does not apply to any of our information practices conducted separately by Lucantha outside of our Web Services. Moreover, we are not responsible for the privacy policies, security standards, or content of other sites, regardless of whether our Web Services link to those other websites. You should check the privacy policies of those sties before providing your personal information to them.

This Privacy Policy is written in the English language. We do not guarantee the accuracy of any translated versions of this Privacy Policy. To the extent any translated versions of this Privacy Policy conflict with the English language version, the English language version of this Privacy Policy shall control.

Personal Information Collected

We collect information from you in several ways, including when you choose to share ‎information with us by entering it through our Web site and by using automated processes. We ‎also collect information about your transactions with us, such as any information you submit to us ‎through our Web Services.‎  For example, we collect your contact information when you subscribe to a newsletter or to pose a question to us through our “contact us” page.

Personal Information We Collect

We collect the following categories of personal information:

1. Personal Identifiers: Including your name, email address, street address, city, state, phone number, zip code, and IP address.
2. Demographic Information: date of birth.
3. Protected Class Information: None.
4. Internet or other electronic activity information: Including online activity, preferences, time spent on features, browser and device characteristics, information on how and when you use our Service, internet service provider (ISP) details, referring and exit pages, operating system, clickstream data, and other technical information.
5. Audio, visual information: None.
6. Marketing and Communications Data: Including your phone number (when provided), your preferences in receiving marketing from us and your communication preferences with us.

We have collected the same categories of personal information in the 12 months prior to the date of this Privacy Policy.  

We retain the categories of personal information we collect for the length of time necessary to provide our Services and to comply with legal obligations or to protect our legal rights. 

Unless stated otherwise in a separate agreement, we do not collect sensitive personal information such as social security numbers, driver's license, state identification, or passport numbers; account login, financial account, debit card, or credit card numbers in combination with security or access credentials; racial or ethnic origin, religious or philosophical beliefs, union membership; the contents of your mail, email, or text messages (unless we are the intended recipient); genetic data; biometric information for unique identification; or personal information concerning your sex life or sexual orientation. We kindly request that you refrain from sending or disclosing such sensitive personal information to us.

Sources From Which We Collect Personal Information

Information You Provide to Us

We collect personal information directly from you when you engage with our Service, get in touch with us, use our Service, or subscribe to receive offers or emails from us. This information can be submitted through online forms, phone calls, or other means of interacting with the Service.

Information We Obtain Indirectly

We may receive personal information about you from our third-party affiliates or partners, including publisher partners to whom you may have provided your information, and from marketing companies as part of their relationship with us. We may purchase this information from third parties, and all collected information will be handled in accordance with this Policy. We may combine this data with information we already have, including contact details (such as email addresses) and automatically collected log information.

Information Collected Automatically

When you use our Service, we automatically collect certain information through cookies, pixels, web beacons, and similar technologies. We may combine this automatically collected log information with other information we collect about you. Some of this information may be collected using tracking technologies provided by third parties, subject to those parties' privacy policies and terms of service.

Purposes for Collection of Personal Information

We collect your contact and date of birth information to assist in finding suitable insurance quotes and assist in finding suitable surety bonds. In furtherance of this purpose, and to provide the requested quotes, products, or services, we may share these categories of personal information with insurance agents, carriers, lead aggregators, and other service providers within our network ("Network Partners"). We only collect and processes the minimum personal information necessary for the purposes of our information processing activities and retains such information as required to fulfill these purposes. Our information processing activities include conducting our business, delivering products and services, personalizing your website experience, marketing, customer support, quality management services, service maintenance, improvements, and compliance with legal requirements. If we intends to process your personal information for a purpose other than that for which it was initially collected, we will provide you with relevant information and, if required by law, obtain your consent.

If you opt into our SMS program, we may send you messages regarding our services, updates, marketing or promotional messages, and other informational messages. You can opt-out at any time by replying “STOP” to any SMS message you receive from us or by contacting us at privacy@lucanthamarineinsurance.com. As part of your agreement to receive these messages, you are agreeing that these messages may be sent using an automated system for dialing and sending the messages.

We also use personal information to monitor or improve our website; for internal business analysis; to prevent fraud, activities that violate our Terms of Service or other contracts, or that are illegal; and to protect our rights and the rights and safety of our users or others.

For those who interact with us in a commercial capacity, we use your personal information to engage in business transactions with the entity you represent and market to or engage in diligence with the entities you represent.

Categories of Personal Information We Sell or Share or Use for Targeted Advertising

When we engage in digital advertising, we may sell the following categories of personal information (according to the broad definition of “sell” under select state privacy laws), share them for purposes of cross-context behavioral advertising, or use them for targeted advertising: None

These categories of personal information are sold to, or shared, for cross-context behavioral advertising or targeted advertising with advertising networks and other companies that facilitate digital advertising. We engage in such sales and sharing to facilitate digital advertising that is able to reach people that are most likely to be interested in the Services we provide.  We do so by allowing third parties to place cookies or other tracking technologies on our website that may collect information about your online activities over time and across different websites or applications.  For more information about the use of cookies and other tracking technologies, see the section “Our Use of Cookies and Analytics” below. 

We also sell the following categories of personal information to our affiliates so they can offer their products and services to you:  None

To opt out of such sales and sharing of personal information, you can withdraw your consent by contacting us at privacy@lucanthamarineinsurance.com

We do not sell or share for cross-context behavioral advertising any of the other categories of personal information we collect.

Disclosure of Personal Information

The following chart describes the categories of personal information we disclosed to third parties for a business purpose in the 12 months prior to the date of this Policy:

Categories of Personal Information	Categories of Third Parties	Business or Commercial Purposes for Personal Information Disclosure Third Parties
Personal Identifiers: Including your name, email address, street address, city, state, phone number, zip code, and IP address	Insurance Carriers and Related Businesses	Business
Demographic Information:, date of birth	Insurance Carriers and Related Businesses	Business
Internet or other electronic activity information: Including online activity, preferences, time spent on features, browser and device characteristics, information on how and when you use our Service, internet service provider (ISP) details, referring and exit pages, operating system, clickstream data, and other technical information.	None	None
Protected class information: NA	None	None

Our service providers are restricted to using your personal information solely for these tasks and cannot use it for other purposes. They must adhere to confidentiality, security, and legal obligations in line with this Policy and applicable laws.

Additional Information About How We May Disclose Personal Information and Purposes for Disclosures

We may share non-identifying information, such as aggregate statistics or usage data, with third parties to illustrate how users utilize our services, detect industry trends, and produce marketing materials. This aggregated information will not contain personally identifiable information and is not limited in use.

We do not share the mobile information you provide to us when registering for our SMS program with third parties or affiliates for marketing or promotional purposes. However, we may share your data with our trusted service providers and agents who assist us in operating our SMS program, provided they agree to keep your data confidential and not to share it, and provided that they use it solely for the purpose of providing services on our behalf.

We may share your personal information with third parties with your consent. If you agree to share your personal information with a third party, it will be subject to that third party's privacy policy and practices. You can withdraw your consent by contacting us at privacy@lucanthamarineinsurance.com.

We may also disclose your personal information as required or permitted by law to comply with a subpoena or similar legal process or government request, or when we believe in good faith that disclosure is legally required or otherwise necessary to protect our rights. We collect your personal information to provide our products to you and fulfill customer orders; to contact you from time to time; to provide you with information about our business; for customer support; to deliver advertisements and marketing promotions and offers about products we think may be of interest to you; to respond to your inquiries; to customize your experience; and to audit and analyze the placement and effectiveness of our advertisements and other marketing efforts.

Automated Information Collection

In addition to any information that you choose to submit to us via our Web Services, we and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with our Web Services (Usage Information). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your Device whenever you visit or interact with our website. To the extent we associate Usage Information with your Personal Information we collect directly from you through our Web Services, we will treat it as Personal Information.

This Usage Information may include:

• your IP address, UDID or other unique identifier (Device Identifier). A Device Identifier is a number that is automatically assigned to your Device used to access our Web Services, and our computers identify your Device by its Device Identifier;
• your Device functionality (including browser, operating system, hardware, mobile network information);
• the URL that referred you to our Website;
• the areas within our Web site that you visit and your activities there, including remembering you and your preferences;
• your Device location;
• your Device characteristics; and
• certain other Device data, including the time of day, among other information.

Tracking Technologies.

We may use various methods and technologies to store or collect Usage Information (Tracking Technologies). Tracking Technologies may set, change, alter or modify settings or configurations on your Device. A few of the Tracking Technologies include, without limitation, the following (and subsequent technology and methods later developed):

• Cookies. A cookie is a data file placed on a Device when it is used to visit our website. HTML5 cookies can be programmed through HTML5 local storage.
• Web Beacons. Small graphic images or other web programming code called web beacons (also known as 11 GIFs or clear GIFs) may be included in our websites pages and messages. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or e-mail can act as a web beacon. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to our Web Services, to monitor how users navigate our Web Services, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed.
• Embedded Scripts. An embedded script is programming code that is designed to collect information about your interactions with our Web Services, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third-party service provider, is active only while you are connected to our Web Services and is deactivated or deleted thereafter.
• Browser Fingerprinting. Collection and analysis of information from your Device, such as, without limitation, your operating system, plug-ins, system fonts and other data, for purposes of identification.
• ETag, or Entity Tag. A feature of the cache in browsers. It is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. If the resource content at that URL ever changes, a new and different ETag is assigned. Used in this manner ETags are a form of Device Identifier. ETag tracking may generate unique tracking values even where the consumer blocks HTTP, and/or HTML5 cookies.
• Recognition Technologies. Technologies, including application of statistical probability to data sets, which attempt to recognize or make assumptions about users and devices (e.g., that a user of multiple devices in the same user).

Tracking Technologies Usage.

We may use Tracking Technologies for a variety of purposes, including:

• Strictly Necessary. We may use cookies or other Tracking Technologies that we consider are strictly necessary to allow you to use and access our website, including cookies required to prevent fraudulent activity and improve security.
• Performance Related. We may use cookies or other Tracking Technologies that are useful in order to assess the performance of our Web Services, including as part of our analytic practices or otherwise to improve the content, products or services offered through our Web Services.
• Functionality Related. We may use cookies or other Tracking Technologies that are required to offer you enhanced functionality when accessing our Web Services, including identifying you when you signin to our website or keeping track of our specified preferences, including in terms of the presentation of content on our website.
• Targeting Related. We may use Tracking Technologies to deliver content relevant to your interests on our website and third-party sites based on how you interact with our content. This includes using Tracking Technologies to understand the usefulness to you of the content that has been delivered to you.

You may be able to set your browser settings to use our website without cookie functionality. Please note that if you block cookies, some Website functions and Web Services may be unavailable, and we will not be able to present personally-tailored content and advertisements to you. Your browser may provide you with some options regarding cookies. For more detailed information about how to disable or administer your cookie settings in your web browser, please refer to the applicable page for the browser you are using:

• Safari: http://help.apple.com/safari/mac/8.0/#/sfri11471
• Google Chrome: https://support.google.com/chrome/answer/95647?hl=en
• Microsoft Edge / Internet Explorer: http://windows.microsoft.com/en-GB/windows-vista/Block-or-allow-cookies
• Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences

You can withdraw your consent to allow for cookies, change your browser settings, and delete the cookies already stored on your computer at any time. Please note that if you delete, or choose not to accept, cookies, you may not be able to utilize the features of the services on our website to their fullest potential.

Turning off third-party cookies

You can turn off certain third-party targeting/advertising cookies by visiting the Network Advertising Initiative: https://optout.networkadvertising.org/?c=1 and by visiting Google: https://tools.google.com/dlpage/gaoptout.

Use of Collected Information

We may use the information that we collect from you, including Personal Information, to process transactions, and provide the Web Services, products, services, and information to you. We may use your information to process your requests and to provide you with information that may be of interest to you. We may anonymize or aggregate your information for marketing and actuarial purposes. We may also use your information to process your account registration and to enable you to use certain website features. We may also use the information that we collect to customize your experience on our Web Services, to better tailor our product offerings, to improve our Web Services and the content provided on and through our Web Services, to provide customer support, to enforce our Terms of Use, to meet our legal obligations or to inform a legal proceeding, and to provide you with content or advertisements that may be of interest to you. We may also use the information we collect from you for additional purposes with your consent.

Sharing of Collected Information

We may share the information that we collect from you, including Personal Information, with third parties for a variety of purposes. For example, we may share information with service providers who assist us in our business operations. We may also share information where required by law or to satisfy any applicable law, regulation, subpoena, government request, or other legal process. We may also share information with third parties, including law enforcement, to protect this Web site, to fight fraud and identity theft, to ensure the integrity and operation of our organization and systems, to protect the rights, property or safety of Lucantha, its employees, members or others, and to enforce our Terms of Use. We also reserve the right to share the information that we collect with our subsidiaries and affiliates for marketing and other business purposes and with any subsequent owner in the event of a merger, consolidation, sale of our assets, or other change in our business, including during the course of any due diligence process.

Occasionally, Lucantha may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers.

When we share your personal information with third parties for business purposes, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personal Information we collect about you except for the purpose of fulfilling their service obligations to us.

We may share aggregate information about Web site users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such aggregated information we collect about website users to continue to improve our Web Services for you.

As permitted by law, we may disclose Personal Information, which may or may not include to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Lucantha assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which such information is among the assets transferred. The acquiring entity will be subject to this Privacy Policy and to the law in its use of your information, including any possible use of your Personal Information to the extent that any such information is transferred.

Other Websites and Links

The Web Services contains links to other websites and services that are not operated by Lucantha. Please note that when you click on a link to one of these sites, you are exiting our Web Services to go to another provider. Lucantha is not responsible for the content or privacy practices of these other services or web sites. We suggest that you read the privacy policies of these providers, as their practices and policies may differ from ours.

We may provide certain parts of our Web Services in association with third parties, such as promotional partners or affiliates. These co-branded areas will identify the third party. If you choose to use these co-branded areas, we may share your information with the identified third party, and that third party may also collect information from you, in addition to the information that we collect, as described above. You should review the privacy policies of those identified third parties to understand how they collect and use information.

Analytic Services and Targeted Ads 

We use third-party analytics services, like Google Analytics, to collect, monitor and analyze data we collect through our Web Services to, for example better understand how our Web site is used and to improve its functionality. These third-party analytics services may track details about your online activities over time and across different websites. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.

The Google Analytics service tracks and reports web site traffic and provides us insight into behavior information relating to visitor age, gender and interests. Google Analytics Demographics and Interest Reporting give us insight into behavior to help us understand browsing behavior and give you a better experience when you visit our website. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.

These third-party services have their own privacy policies addressing how they use such information. We recommend you review their privacy policies. If you want to prevent your data from being used by Google Analytics, you may wish to take advantage of Google Analytics' currently available opt-outs for the web.

If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.

Our Commitment to Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personal Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personal Information we collect online and we make good faith efforts to store your Personal Information in a secure operating environment. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us.

Social Security Protection Policy Statement

It is our policy to protect the confidentiality of Social Security numbers (SSNs) from misuse and improper disclosure by maintaining and enforcing physical, electronic, and procedural safeguards. We prohibit unlawful disclosure of SSNs, and limit access to SSNs to our personnel who need access to SSNs in order to perform their job functions. We do not disclose SSNs to third parties except where required or permitted by law.

Your California Privacy Rights

If you are a California resident, you have certain privacy rights under the California Consumer Privacy Act (CCPA). Please refer to our CCPA Privacy Policy for information about your rights under the CCPA.

Residents of California may also, under 1798.83, known as the Shine The Light law, request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request clearly in writing to us using the contact information provided below.

Users Outside of the United States

If you are from a non-U.S. country, please be aware that the Personal Information you submit, including information provided through our Web Services, is being sent to a location in the United States. The data protection laws in the United States are likely different from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By providing such Personal Information through the Web Services, you are consenting to (and represent that you have authority to consent to), the transfer of such information to the United States for the uses and purposes described in this Privacy Policy. Without limiting the above, for the avoidance of doubt we do not have an establishment or target people in the EEA or UK.

Childrens Privacy

The Website and the Web Services are not intended to be used by children and is not directed toward children under the age of 13. Lucantha does not use the Website to knowingly solicit data from or market to children under the age of 13. The Web site does not sell products for purchase by children. No person under 13 years of age should disclose information on the Web site. If you are under 18, you may use the Web site only with the involvement of a parent or guardian—otherwise, please do not use or provide any information under our website.

Please visit  https://consumer.ftc.gov/identity-theft-and-online-security/protecting-kids-online to learn more about protecting children privacy.

Supplemental Notice to Residents of Certain States

You may live in a state where you have additional legal rights with respect to your personal information. For information about what categories of personal information you may be provide or we may collect, please see above. You may have additional rights which include:

• The right to request information about personal information that we have collected about you in the last twelve months;
• The right to request that we delete any personal information about you that we have collected (although some information may be retained for certain purposes, such as to complete transactions, detect security incidents, or other purposes);
• The right to receive requested information in a readily-usable format if provided electronically;
• The right to opt-out of sales of personal information to third parties, personal information with third parties for targeted advertising purposes, and/or the processing of personal information for targeted advertising purposes;
• The right to update or correct any personal information which is out of date or incorrect (subject to our request for documentation in connection with your request); and
• The right to be free from discrimination based on your exercise of your privacy rights.
• To exercise any of your rights with respect the Website Services or your relationship with AssuredPartners, please contact us at the provided number below.

How to Contact Us

We appreciate your questions or comments about this Privacy Policy, our Web Services, or your dealings with Lucantha. Please send e-mail to: privacy@lucanthamarineinsurance.com or contact us by phone at: (833) 796-7748.