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Online Privacy Policy

Overview and Acknowledgement

L.A. Master Holdings, LLC, L.A. Agency Franchising, LLC, L.A. Mortgage One, LLC, and their agents (collectively, “LA Family of Companies,” “we”, “us”, “our”) are concerned about protecting your privacy. We understand your concerns with regard to how information about you is used and shared, and we appreciate your trust that we will do so reasonably. This Online Privacy Policy is applicable to the information collected by, from or about you during your use of our website (lainsurance.com, the “Website” or “Site”) and its affiliate sites, our mobile applications , and any other online connected tools. We will refer to these websites and online connected tools collectively as the “Services” or the “LA Family of Companies Service” throughout this Online Privacy Policy.

This Online Privacy Policy describes what information we collect about you, how we collect it, how we use it, with whom we may share it, and what choices you have regarding it. This Online Privacy Policy is a supplement to the Website Terms of Use of all websites within the LA Family of Companies with authorized links to this policy, the Telephone Messaging Terms and Conditions. Please note that the LA Family of Companies’ practices with respect to data collected and used by it in connection with the Site and our Services governed by this Online Privacy Policy (as amended from time to time), and not the online privacy policy in effect at the time the data was collected. This Online Privacy Policy does not govern privacy practices associated with offline activities, websites other than the Site, or products and services not available or enabled via the Site. We encourage you to become familiar with the terms and conditions of both this Online Privacy Policy and the Website Terms of Use.

By accessing and using the Site, you agree that you have read and understand this Online Privacy Policy, and you accept and consent to the privacy practices (and any uses and disclosures of information about you) that are described in this Online Privacy Policy. In the event of a conflict between this Online Privacy Policy and a privacy notice for a specific privacy notice for a specific Service by us, the specific privacy notice shall govern.

What Information Do We Collect?

We collect various types of information provided by users of the Services. This may include such information as:

  • Application, Quote, or Claim: If you submit an application, quote, or a claim, we may collect information that you provide and other related information, such as automobile information (including driver’s license number and VIN).
  • Account Information: If you create, register, or connect an online account in connection with our Services, we may store your username, password (and password hint information) and other basic account information that you may provide or that may be associated with that account.
  • Job Application: If you apply for a job with us, we may collect information about your work and educational history, and other information that you choose to provide us in connection with your application.
  • Automatically Collected Information: We and third-party online advertising and analytics companies may use cookies, web beacons, or similar technologies to record your online activity with this Site and automatically collect information about your online activity, browser and device, as well as to collect information when you interact with the Services. See the “Cookies” and “Your Choices” section below for more information on these technologies and your choices.
  • Log Information: We also collect log information when you use the Site, which may include, information about how you have used the Site, device information, access times, IP addresses, and related browsing information.

We also obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers.

The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balances, information about credit accounts, information about loan accounts, information about investment accounts, identifies and information about account owners, information about account transactions and employment information.

How do we use the information we collect?

We use information provided by individuals who use our Services to fulfill the purpose for which the user provided the information and for other purpose as permitted by law, such as:

  • Providing you with the Services that you request, such as by completing the transactions, processing claims, or providing a quote for one of our products
  • Communicating with you, for example to respond to inquiries
  • Providing you with information, including communications and interest-based advertisements, on the Website and other websites you visit, and marketing communications
  • Informing you of job opportunities and evaluating your suitability for a job
  • Completing a survey
  • Developing, operating, delivering, maintaining, improving, enhancing, and protecting the Website and other Services we provide
  • Monitoring, analysis, and research, including of trends, and usage, and advertising services
  • Enhancing the safety and security of the Services and preventing fraud or protecting our or our customer’s rights or property
  • Enforcing applicable terms and conditions and other applicable policies
  • Other purpose specifically disclosed at the time the information is requested

With whom do we share information that we collect?

The LA Family of Companies use and share your information with each other in accordance with this Online Privacy Policy. This allows the LA Family of Companies to manage, provide and offer you a variety of their services.

We may also share your information with third parties. For example, Wwe share, or may share, your information with third parties that:

  • Are insurance companies.
  • Access personal information to perform services for us, such as companies that assist us with call center/directory services or Website hosting or information technology consulting service providers.
  • Perform regulatory reporting and capture performance metrics.
  • Act on our behalf if we believe:

    (1) that your actions are inconsistent with oOur Website Terms of Use and Telephone Messaging Terms and Conditions,
    (2) that you have violated the law, or
    (3) it’s necessary to protect our rights, property and safety or the rights, property and safety of others.

  • In connection with, or during negotiations concerning, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
  • Require your information for other purposes at your consent or at your direction.

We also share aggregated or de-identified information that cannot reasonably be used to identify you.

If you provided your consent to us to be contacted, the information that you provided to us as part of that consent may be shared.

Children’s Privacy

Our Services are not intended for children. We don’t direct our Services to children under 13 or knowingly attempt to solicit or receive information from children.

Cookies

What Are Cookies?

Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our website, we may collect information from you automatically through cookies or similar technology. If cookies are used, we provide each user the ability to accept or decline the use of cookies

How Do We Use Cookies?

We use cookies to improve your experience on our website, including:

      • Keeping you signed in
      • Understanding how you use our website
      • We will retain and evaluate information on your recent visits to our website and how you move around different sections of our website for analytics purposes to understand how people use our website so that we can make it more intuitive.

How Do You Manage Cookies?

You have the option to set your browser not to accept cookies, and by using the guidance for your browser you can remove cookies from your browser that were previously stored. Please review your browser or device’s “Help” file to learn the best way to modify your settings. Removal of cookies, in a few cases, may impact the functionality for some parts of our website.

    What choices do you have and how can you contact us?

    When corresponding with the LA Family of Companies or our representatives, or when making a request for information or otherwise interacting with the LA Family of Companies or others through the Site, you choose what information to supply, what questions to pose and comments to make, whether you wish to receive further information, and by what method of communication such information should be delivered. Please take care to share only such information as is needed or that you believe is appropriate.

    If your personal information changes, if you have reason to believe that your personal information as we maintain it is incorrect, or if you no longer desire service, you may contact us using the contact information located here and we will accommodate all reasonable requests for such changes.

    Users who no longer wish to receive newsletters or promotional materials or have their information provided to third parties may opt to not receive such communications or have information shared by contacting us using the information below. We will comply with such requests as soon as is commercially practicable. Such compliance may involve batch processing and other processes that take 30 days or longer. If you opt not to receive such communications or allow us to share your information and then give your personal information to us again using the Site or under other circumstances that permit us to use your information, we will regard your opt-out as rescinded.

    In most cases, it is impractical for us to stop any other party to whom we have supplied your information from continuing to use the information and opting out will usually not stop others to whom we have provided your information from continuing to use it.

    To change your preference with regard to the way your information is treated, send an email to:

    privacy@lainsurance.com

    Linked/Third Party Sites

    For your convenience, some hyperlinks may be posted on the Site that link to other websites not under our control. We are not responsible for, and this Online Privacy Policy does not apply to, the privacy practices of those sites or of any companies that we do not own or control. We encourage you to seek out and read the privacy policy of each website that you visit. In addition, should you happen to initiate a transaction on a website that our Site links to, even if you reached that site through our Site, the information that you submit to complete that transaction becomes subject to the privacy practices of the operator of that linked site. You should read that site’s privacy policies to understand how personal information that is collected about you is used and protected.

    Changes to Privacy Policy

    From time to time, we may change our privacy practices, and this Online Privacy Policy, because of changes in relevant and applicable legal or regulatory requirements, our business practices, or in our attempts to better serve your needs and those of our other customers. Notice of such changes to our privacy practices will be given in the manner described in the Website Terms of Use and a revised Online Privacy Policy will be posted on the Site.

    Who can you contact for more information?

    Please direct questions around security and privacy activities to:

    privacy@lainsurance.com

    LA Family of Companies
    Attn: LEGAL DEPARTMENT
    400 Hamilton Row
    Birmingham, MI 48009

    Last Updated July 27, 2022.