As insurance providers, we are regulated by state and federal laws protecting the security and confidentiality of your information.
Your Privacy is a Priority
Information That We Collect
We collect two categories of information from you. The first type is personal information that you actively choose to disclose ("Active Information") and the second type is anonymous aggregate information collected in a manner not visible to you and others visiting our Site ("Passive Information").
In order to establish a User account we require you to disclose the following information: Your name, address, email address, and password. You must also be a U.S. resident and over 18 years of age. In providing Active Information, you consent and agree that you may be contacted with information related to your inquiry and/or information regarding our or third parties' products and services. Additionally, you agree that by submitting your Active Information, you are making a purchase, an inquiry and/or an application for purposes of the Telemarketing Sales Rule, 16 CFR §310 et seq., and for the purposes of state and federal law. Notwithstanding that your telephone number may be listed on the Federal Trade Commission's or a state Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with state and federal law.
We collect Passive Information related to your activity on our Site. Whether or not you have a User account with FLI, we record information relating to your use of FLI, such as the frequency and size of data transfers, the information you display about yourself, the information you click on, your browser type, IP address, requested URL, referring URL, and timestamp information. If you are logged in, we may associate this information with your User account. We use this type of information to administer the Site and provide the highest possible level of service to you. We also use this information in the aggregate to perform statistical analyses of User behavior and characteristics in order to measure interest in and use of the various areas of the Site. You cannot be identified from this aggregate information.
California residents have the right to receive: a) information identifying any third party companies to whom we may have disclosed, within the past calendar year, personal information pertaining to you and your family for the company's direct marketing purposes; and b) a description of the categories of personal information disclosed. To obtain such information you must make a request in writing. Your request must include your name and email address and a return address or it will not be processed. We will not honor such requests more than once per calendar year. Please mail your request to Loya Insurance Group, 1800 Lee Trevino, El Paso, TX 79936. We will not disclose any medical information relating to you for marketing purposes without obtaining your prior consent, and it may be necessary for us within 30 days of your written request for access to provide you with, among other things, a summary of procedures through which you can request correction, amendment or deletion of your personal health information. If you would like further information regarding the collection and disclosure of personal health information, and your right to amend and access this information, please write to us at Loya Insurance Group, 1800 Lee Trevino, El Paso, TX 79936.
It may be necessary for us within 30 days of your written request for access to provide you with, among other things, a summary of procedures through which you can request correction, amendment or deletion of your personal health information. If you would like further information regarding the collection and disclosure of personal health information, and your right to amend and access this information, please write to us at Loya Insurance Group, 1800 Lee Trevino, El Paso, TX 79936.
New Mexico Residents
New Mexico state law imposes additional restrictions on Loya Insurance Group's disclosure of information related to victims of abuse or domestic violence. New Mexico residents also have certain rights to access and/or change information that differ from those rights granted under the Health Insurance Portability & Accountability Act of 1996 (HIPAA). If you require additional information please contact us at Loya Insurance Group, 1800 Lee Trevino, El Paso, TX 79936.
Texas state law imposes additional restrictions on Loya Insurance Group's disclosure of information related to victims of abuse or domestic violence. Texas residents also have certain rights to access and/or change information that differ from those rights granted under the Health Insurance Portability & Accountability Act of 1996 (HIPAA). If you require additional information please contact us at Loya Insurance Group, 1800 Lee Trevino, El Paso, TX 79936.
How Do We Use the Information Collected?
Broadly speaking, persons we employ directly, or as contractors or agents at our direction, use Active Information for purposes of administering our business activities, providing customer services such as support, and distributing information about products and services that you have requested. We may use the Active Information or Passive Information you provide to us to contact you about changes to our Site, new services, features or products we offer, or other information we think you may find valuable. If at any time you do not wish to receive such information, you may "opt-out" by clicking here to unsubscribe or contacting us at Loya Insurance Group, 1800 Lee Trevino, El Paso, TX 79936 or by email at firstname.lastname@example.org. However, it may take up to ten (10) days for the change to be fully effective. We use Passive Information to gather information about our Users and to enhance and design our Site to make it easier, faster and friendlier to use. Additionally, cookies help us learn information about how many people visit our Site, when they visit and how they use our services. Passive Information may result in your viewing of particular advertising based on your user habits for your viewing on our Site.
Who Do We Share Your Information With?
Sharing Information with Marketing Partners
We may share your Information with our marketing partners and/or advertisers and/or affiliates for the purpose of offering you commercial products and services that may be of interest to you.
Additional Sharing of Information
Securing Active Information and Passive Information?
We take reasonable efforts to secure your personal information. Efforts we may take to ensure security include but are not limited to monitoring of our network and data for intrusions. Communications you may have with us via email or mail may not be secure unless we advise you that security measures are in place prior to your sending information. Therefore, if you choose to communicate with us through these means, you are assuming the risk of doing so and we request that you do not send or post sensitive information through these means. You hereby acknowledge that Loya Insurance Group is not responsible for any intercepted information sent via the internet, and you hereby release us from any and all claims arising out of or related to the use of intercepted information in any unauthorized manner.
Links and Participating Vendor Policies
Loya Insurance Group may contain links to participating vendor websites or third party websites to which we have no affiliation. Except as set forth herein, we do not share your personal information with those third parties or participating vendors, and are not responsible for their privacy practices. We suggest you read the privacy policies on all such third party and participating vendor websites.
Third Party Advertising
You May Choose Not to Receive Marketing Information from Us or Third Parties and Correct, Delete or Access Your Information
If you do you not want to receive information about products or services that may be of interest to you or if you wish to access, delete or correct your information, please contact us at Loya Insurance Group, 1800 Lee Trevino, El Paso, TX 79936 or by email at email@example.com.
Users Under 18 Strictly Prohibited
If you are under 18, you are not eligible to use this website and shall not disclose any information on this website or sign up for information or offers of any sort.
YOUR USE OF OUR SITE AND/OR PARTICIPATION IN OUR PROGRAMS MEAN THAT YOU ACCEPT THE PRACTICES SET FORTH IN THIS POLICY. WE RESERVE THE RIGHT TO MAKE CHANGES TO THE POLICY BY POSTING A NEW VERSION WITH A NEW DATE. YOUR CONTINUED USE INDICATES YOUR AGREEMENT TO THE CHANGES. IT IS SOLELY YOUR RESPONSIBILITY TO CHECK FOR UPDATES TO THIS POLICY.