LSM Financial ("we," "our," or "us") 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 lsm-financial.com and use our services.
Please read this Privacy Policy carefully. By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our policies and practices, please do not use our website or services.
We collect personal information that you voluntarily provide to us when you:
This information may include:
Contact Information
Name, email address, phone number, mailing address
Demographic Information
Age, date of birth, gender, occupation
Financial Information
Income, assets, financial goals, insurance needs
Health Information
Medical history, health conditions (for insurance underwriting)
When you visit our website, we may automatically collect certain information about your device and browsing activity:
We may receive information about you from third parties, including insurance carriers, credit reporting agencies, medical information bureaus, and other service providers involved in processing your insurance applications.
We use the information we collect for the following purposes:
Process insurance applications, provide quotes, administer policies, and deliver requested services.
Respond to inquiries, send appointment reminders, provide policy updates, and send marketing communications (with your consent).
Analyze website usage, understand customer preferences, improve user experience, and develop new products and services.
Comply with legal obligations, respond to legal requests, prevent fraud, protect our rights, and enforce our terms.
We may share your personal information in the following situations:
We share your information with insurance companies to obtain quotes, process applications, and administer policies.
We use third-party service providers for website hosting, email services, payment processing, data analysis, and other business functions. These providers are contractually obligated to protect your information.
If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
We may disclose your information to comply with legal obligations, court orders, or governmental requests, or to protect our rights and safety.
We may share your information for any other purpose with your explicit consent.
Important Note
We do not sell, rent, or trade your personal information to third parties for their marketing purposes without your explicit consent.
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
Encryption
SSL/TLS encryption for data transmission
Access Controls
Restricted access to authorized personnel only
Secure Servers
Protected data storage systems
Regular Monitoring
Continuous security assessments
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
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. Retention periods vary based on:
Depending on your location, you may have certain rights regarding your personal information:
Request a copy of the personal information we hold about you.
Request correction of inaccurate or incomplete information.
Request deletion of your personal information (subject to legal retention requirements).
Opt out of marketing communications at any time.
Request your data in a portable, machine-readable format.
To Exercise Your Rights:
Contact us at [email protected] or call (909) 968-0271. We will respond to your request within 30 days (or as required by applicable law).
California Consumer Privacy Act & California Privacy Rights Act
If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with additional rights regarding your personal information.
Request information about the categories and specific pieces of personal information we have collected about you, the sources from which we collected it, our business purposes for collecting it, and the categories of third parties with whom we share it.
Request deletion of your personal information, subject to certain exceptions (e.g., legal retention requirements, fraud prevention, policy administration).
Request that we do not sell or share your personal information.
Note: LSM Financial does not sell your personal information to third parties.
Request correction of inaccurate personal information.
Request that we limit the use of your sensitive personal information (such as health information, financial data, precise geolocation) to only what is necessary to provide our services.
You have the right to not receive discriminatory treatment for exercising your CCPA/CPRA rights.
| Category | Examples |
|---|---|
| Identifiers | Name, email, phone, address, IP address |
| Protected Classifications | Age, gender, marital status |
| Commercial Information | Insurance policies, transaction history |
| Internet Activity | Browsing history, website interactions |
| Financial Information | Income, assets, payment information |
| Health Information | Medical history, health conditions |
| Inferences | Preferences, characteristics, behavior |
California residents can exercise their rights by contacting us:
We will verify your identity before processing your request and will respond within 45 days (with a possible 45-day extension if necessary). You may designate an authorized agent to make requests on your behalf.
We use cookies and similar tracking technologies to collect information about your browsing activities and enhance your experience on our website.
Essential Cookies
Necessary for website functionality and cannot be disabled.
Analytics Cookies
Help us understand how visitors interact with our website.
Marketing Cookies
Used to deliver relevant advertisements and track campaign effectiveness.
You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality.
Our website may contain links to third-party websites, including insurance carrier websites, social media platforms, and other external resources. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any website you visit.
Our website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make material changes, we will:
We encourage you to review this Privacy Policy periodically. Your continued use of our website and services after changes are posted constitutes your acceptance of the updated policy.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
We will respond to your inquiries within 30 days (or as required by applicable law).
Legal Compliance: This Privacy Policy is designed to comply with applicable U.S. federal and state privacy laws, including but not limited to:
This Privacy Policy should be read in conjunction with our Terms of Service and any other applicable agreements.
Last Updated: December 29, 2024
Effective Date: December 29, 2024