Last Updated 4/15/2022

 

Life & Health Insurance Advisors, LLC (LHI-Advisors) values its users' Privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website or use our online facilities and services and what we will and will not do with the information we collect. Our Policy has been designed and created to ensure those affiliated with Life & Health Insurance Advisors, LLC of our commitment and realization of our obligation to meet and exceed most existing privacy standards.

 

We reserve the right to make changes to this Policy at any given time. If you want to ensure that you are updated with the latest changes, we advise you to visit this page frequently. Suppose, at any point in time, Life & Health Insurance Advisors, LLC decides to use any personally identifiable information on file in a manner vastly different from that stated when this information was initially collected. In that case, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.

 

This Policy applies to Life & Health Insurance Advisors, LLC, and it governs any and all data collection and usage by us. Through the use of LHI-Advisors.com, you consent to the data collection procedures expressed in this Policy.

 

Please note that this Policy does not govern the collection and use of information by companies that Life & Health Insurance Advisors, LLC does not control, nor by individuals not employed or managed by us. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand how websites garner, make use of, and share the information collected. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. 

​

Specifically, this Policy will inform you of the following.

1. What personally identifiable information is collected from you through our website;

2.  Why we collect personally identifiable information and the legal basis for such collection;

3.  How we use the collected information and with whom it may be shared; 

4. What choices are available to you regarding the use of your data; and

5. The security procedures are in place to protect against the misuse of your information.

 

Information We Collect

 

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as:

• Voluntarily provided information which may include your name, email address, and zip code. Which may be used to find a plan that fits your needs.

•  Information is automatically collected when visiting our website, which may include cookies, third-party tracking technology, and server logs.

 

Life & Health Insurance Advisors, LLC may also deem it necessary, from time to time, to follow a website that our users may frequent to gleam what type of services and products may be the most popular to customers or the general public.

 

Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of a survey completed on the site and emails. This site intends to use personal information only for the purpose for which it was requested and for any additional uses specifically provided for on this Policy.

 

Why We Collect Information and For How Long

 

We are collecting your data for several reasons:

• To better understand your needs and provide you with the services you have requested;

• To fulfill your legitimate interest in improving our services and products;

• To send you promotional emails containing information we think you may like when we have your consent to do so;

• To contact you to fill out surveys or participate in other types of marketing research when we have your consent to do so;

• To customize our website according to your online behavior and personal preferences.

 

The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contact we have with you, the existence of your constant, and our legitimate interest in keeping such information as stated in this Policy.

 

Use of information collected

 

Life & Health Insurance Advisors, LLC may collect and may make use of personal information to assist in the operations of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from LHI-Advisors.com.

 

Life & Health Insurance Advisors, LLC may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.

 

Life & Health Insurance Advisors, LLC may feel it necessary, from time to time, to contact you on behalf of our other external business partners with regards to a potential new offer that may be of interest to you. If you contest or show interest in president offers, then, at the time, specific identifiable information, such as name, email address, and/or telephone number, may be shared with a third party.

 

 

Life & Health Insurance Advisors, LLC may find it beneficial to all our customers to share specific data with our trusted partners in an effort to conduct statistical analysis, provide you with email and/or postal mail, deliver support, and/or arrange for deliveries to be made. Those third parties shall be strictly prohibited from making use of your personal information other than to deliver those services which you requested, and as such, they are required, in accordance with this agreement, to maintain the strictest confidentiality with regards to all your information.

 

Life & Health Insurance Advisors, LLC uses various third-party social media features, including but not limited to Facebook and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within Life & Health Insurance Advisors LLC's control.

 

Disclosure of Information

 

Life & Health Insurance Advisors, LLC may not use or disclose the information provided by you except under the following circumstances:

• as necessary to provide services or products you have asked for;

• in other ways described in this Policy or to which you have otherwise consented;

• in the aggregate with other information in such a way so that your identity cannot reasonably be determined;

• as required by law or in response to a subpoena or search warrant;

• to outside auditors who have agreed to keep the information confidential;

• as necessary to enforce the Terms of Service;

• as necessary to maintain, safeguard and preserve all the rights and property of Life & Health Insurance Advisors, LLC.

 

Non-Marketing Purposes

 

Life & Health Insurance Advisors, LLC greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as big alerts, security breaches, account issues, and/or changes in Life & Health Insurance Advisors, LLC product and services). In certain circumstances, we may use our website, newspaper, or other public means to post a notice.

 

Children under the age of 13

 

Life & Health Incrance Advisors, LLC's website is not directed to and does not knowledgeably collect personally identifiable information from, children under the age of (13). If it is determined that such information has been inadvertently collected on anyone under the age of (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database or, in the alternative, that variable parental consent is obtained for the use and storage of such information. Anyone under the age of (13) must seek and obtain a parent or guardian's permission to use this website.

 

Unsubscribe or Opt-Out

 

All users and visitors to our website have the option to discontinue receiving communication from us by way of an email. To discontinue or unsubscribe from our website, please send an email that you wish to unsubscribe to Rebecca@LHI-advisors.com. If you wish to unsubscribe or opt-out of any third-party websites, you must go to that specific website to unsubscribe or opt-out. Life & Health Insurance Advisors, LLC will continue to adhere to this Policy with respect to any personal information previously collected.

 

Links to Other Websites

 

Other website does contain links to affiliate and other websites. Life & Health Insurance Advisors, LLC does not claim nor accept responsibility for any privacy policies, practices, and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the policy standards of every website that collects personally identifiable information. This Privacy Policy Agreement applies only and solely to the information collected by our website.

 

Security

 

Life & Health Insurance Advisors, LLC takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Whenever we collect sensitive information (e.g. Name, Phone Number, and Address information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the webpage.

 

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job are granted access to personally identifiable information. The computers and servers where we store personally identifiable information are kept in a secured environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure, or modification of the user's personal information under our control.

 

Acceptance of Terms

 

By using this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you agree and acceptance of such changes.

 

How to Contact Us

 

If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email or phone number.

 

Email: Rebecca@LHI-Advisors.com

 

Telephone Number: (507) 259-0037