Privacy Policy

Insurance Credit Directory USA values our users' privacy and has developed this Privacy Statement to demonstrate its commitment to protecting it. This Privacy Statement is intended to inform you, as an individual who uses this directory (and all websites and URL's controlled or operated by that link to this policy, unless otherwise specified), or our services, or who otherwise provides us with information via various means, about the information we collect, how it may be used, with whom it may be shared, and your choices regarding the information we collect.

We encourage you to carefully read this Privacy Statement whenever you use our website or services or conduct business with us. By accessing and using our website, you agree to the practices described in this Privacy Statement.

Information and data we may be collecting from you

In general, we may collect personally identifiable information about you, such as your name and email address, as well as non-personally identifiable information. When you submit personal information via our website, it may be transferred to servers in the United States and other countries around the world.

We may collect and store any personal information you enter on our website or give us in any other way. This includes personally identifiable information such as your name, address, e-mail address, and telephone number, as well as your credit card number and other personally identifiable information if you are a Professional. Additionally, we may request information about your hobbies and interests, your gender and age, and other demographic data.

We may also obtain personal and non-personal information about you from other business partners, contractors, and other third parties on a periodic basis. We may receive the following types of information: updated delivery and address information, purchase history, and additional demographic information.

Other individuals' personal information: We may also collect and store personal information about other individuals that you provide to us. If you use our website to send information to others (friends, relatives, coworkers, etc.) via our system, we may store your personal information as well as the personal information of each such recipient.

Use of cookies

We collect information from your computer and about your activities on our site using a variety of technologies.

Automatically collected data

When you visit our website, we automatically collect information from your browser. This information includes your IP address, browser type and language, access times, the content of any previously accepted cookies from us (see "Cookies" below), and the referring website address.

Cookies

When you visit our website, we may assign one or more cookies to your computer in order to facilitate navigation and to personalize your online experience. We may also collect information about your online activity on our site automatically through the use of cookies, such as the web pages you visit, the links you click, and the searches you conduct on our site. While the majority of browsers accept cookies by default, you can usually modify your browser settings to decline cookies. If you choose to disable cookies, you may be unable to sign in or use certain interactive features on our website.

Other technologies

We may track your use of our site using standard Internet technology, such as web beacons and other similar technologies. Additionally, we may include web beacons in promotional [or other] e-mail messages or newsletters to track when messages are opened and acted upon. The information we collect in this manner enables us to tailor the services we provide to website visitors, such as targeted advertising, and to assess the overall effectiveness of our online advertising, content, programming, and other activities.

Third-party data collection

We may allow third-parties to display advertisements on our site, including (but not limited to) our authorized service providers, advertising companies, and ad networks. These companies may collect information about users who view or interact with their advertisements through the use of tracking technologies such as cookies. Our website does not provide these third parties with any personal information. They use this information to deliver targeted advertisements and assess their effectiveness. Several of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which provides a centralized location for opting out of member companies' ad targeting.

Lumina Insurance

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