Terms of Service & Privacy Policy

Luu Insurance LLC and Luu Financial LLC (referred to as "we," "us," or "our") are committed to safeguarding your privacy and the confidentiality of your personal information. This Privacy Policy & Terms of Service explains how we collect, use, and protect your information when you visit our website and interact with our services.

1. Information We Collect

We collect both personal and non-personal information from you when you interact with our website or services. The types of information we collect include, but are not limited to:

- Personal Information: Name, address, phone number, email address, date of birth, and other personal identifiers you provide when seeking a quote, filing claims, or communicating with us.

- Financial Information: Details necessary to assess your eligibility for insurance coverage, including credit reports, insurance loss history, and other financial data.

- Consumer Reports: We may order consumer reports, including credit and insurance loss history reports, in conjunction with providing quotes to help determine your eligibility for insurance and the pricing you are charged. Consumer reports may also be used to determine renewal pricing.

- Credit-Based Insurance Score: We may obtain and use a credit-based insurance score developed from information contained in consumer reports. A third party may be involved in the development of your insurance score.

- Website Usage Information: Information about your interactions with our website, such as IP address, browser type, and pages visited, collected through cookies and similar technologies.

2. How We Use Your Information

We use the personal information we collect for the following purposes:

- Insurance & Financial Services: To provide you with quotes, process your applications, assess eligibility for insurance coverage, underwrite policies, handle claims, and determine pricing at renewal.

- Communication: To communicate with you regarding your insurance policies, services, and any changes to this Privacy Policy.

- Improvement of Services: To analyze website usage and improve our products and services.

- Legal Compliance: To comply with applicable laws, regulations, and legal processes.

3. Disclosure of Information

We do not sell your personal information to third parties. However, we may share your information with:

- Service Providers: Third-party service providers who assist in delivering services to you, such as processing consumer reports, developing credit-based insurance scores, or analyzing data.

- Insurance Partners: Companies with which we partner to offer you insurance products and services.

- Legal Authorities: When required by law or in response to legal processes, subpoenas, or court orders.

- Other Third Parties: With your consent, or when necessary to protect our rights, property, or safety, as well as the rights, property, or safety of others.

4. Security of Your Information

We take reasonable precautions to protect your personal information from unauthorized access, loss, or misuse. This includes the use of encryption, firewalls, and secure servers. However, no method of transmission over the internet is completely secure. For this reason, we strongly advise you not to include sensitive personal information such as Social Security numbers, credit/debit card numbers, financial account numbers, driver's license numbers, or health/medical information in any email communications with us. Please call us directly at (941) 444-1920 to discuss sensitive information.

5. Your Rights and Choices

You have the following rights regarding your personal information:

- Access and Correction: You may request access to the personal information we hold about you and request corrections to inaccurate or incomplete information.

- Opt-Out of Marketing: You may opt out of receiving marketing communications from us at any time by following the instructions in the communication or contacting us directly.

- Data Deletion: Subject to legal requirements, you may request that we delete your personal information. However, we may retain certain data for legal or operational purposes.

6. Use of Consumer Reports and Credit-Based Insurance Scores

In order to determine your eligibility for insurance, we may order consumer reports, including credit reports and insurance loss history reports. These reports are also used to determine the price you are charged, both at the time of the quote and at renewal. A credit-based insurance score may be developed using information from these reports, and we may use third-party services to assist in this process.

Please note that by requesting a quote or coverage from us, you authorize us to obtain and use these reports in accordance with the Fair Credit Reporting Act (FCRA).

7. Confidentiality of Email Communications

Any email transmission you receive from Luu Insurance LLC or Luu Financial LLC may contain confidential or privileged information intended only for the recipient. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution, or use of the contents of this transmission is strictly prohibited. If you received the transmission in error, please notify us immediately, delete all copies of the communication, and refrain from any further use or distribution.

8. Changes to Your Insurance Policy

For your protection, coverage cannot be bound or changed via voicemail, fax, or online via the agency’s website or any forms. Coverage is only effective once confirmed directly with a licensed agent. If you need to make any changes or bind coverage, please contact us at (941) 444-1920 to speak with a licensed agent.

9. Cookies and Website Tracking

We may use cookies and similar technologies to collect website usage data and improve the user experience. You can adjust your browser settings to refuse cookies, but this may limit your ability to use certain features of our website.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any changes will be posted on our website, and the effective date will be updated accordingly.

11. SMS Communication

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. By providing your contact information, you consent to receive communications from us electronically, including through email, SMS, or our website. You may opt out at any time by following the instructions provided in those communications.

12. Third-Party Links

Our website, emails, and other communications may contain links to third-party websites. We are not responsible for the privacy practices or the content of such third-party sites. We encourage you to read the privacy policies of every website you visit.

13. Binding Arbitration Clause

In the event of any dispute arising out of or relating to this Privacy Policy, our services, or any insurance transaction, both parties agree to resolve the matter through binding arbitration in accordance with the rules of the American Arbitration Association. This clause does not prevent either party from seeking injunctive relief in a court of competent jurisdiction.

14. Accessibility

We are committed to ensuring that our Privacy Policy and website are accessible to everyone, including individuals with disabilities. If you have difficulty accessing this policy, please contact us so we can provide it in an alternative format.

If you have any questions or concerns about this Privacy Policy, Terms of Service, or your personal information, please contact us at:

Luu Insurance LLC & Luu Financial LLC

Phone: (941) 444-1920

Email: Info@LuuInsurance.com

Address: 2840 Proctor Rd, Sarasota, FL 34231

By using our website or services, you consent to the terms of this Terms of Service and Privacy Policy.

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