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  • Phone Number
    (815) 212-4812
  • Email Address
    michelle@lenoxinsurancegroup.com

  • Street Address
    110 E North St Unit C Manhattan, IL 60442

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Privacy Policy And Consumer Report Disclosure

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Privacy Policy

Updated April 16th, 2024

Introduction

Lenox Insurance Group, LLC ("we", "us", "our") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website lenox insurance group, use our mobile application, or engage with our insurance services.


Information We Collect

We collect personal information that you provide to us directly, such as when you apply for insurance, make a claim, or communicate with our customer service. This information may include:

  • Personal identifiers like your name, address, email, and phone number.
  • Sensitive information such as your Social Security number, driver's license number, and health-related data.
  • Financial information, including credit card numbers and bank account details.

We may also collect information automatically when you visit our website or use our app, including:

  • IP address, browser type, and operating system.
  • Information about your activities on our site through cookies and other tracking technologies.


Use of Your Information

We use your information to:

  • Provide, operate, and maintain our services.
  • Process your transactions and manage your account.
  • Communicate with you, including sending updates, promotions, and customer service communications.
  • Enhance and personalize your experience with us.
  • Comply with legal obligations and defend against legal claims.


Sharing of Information

We may share your information with:

  • Service providers who perform services on our behalf, such as payment processing and data analysis.
  • Affiliates and business partners who are involved in delivering the services you have requested.
  • Legal and regulatory authorities, when required by law or in response to legal process.

We do not sell your personal information to third parties.


Data Security

We implement a range of security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, and secure protocols.


Your Privacy Rights

Depending on your jurisdiction, you may have rights related to your personal information, including:

  • The right to access, correct, or delete your data.
  • The right to restrict processing and object to processing.
  • The right to data portability.

To exercise these rights, please contact our Privacy Officer at michelle@lenoxinsurancegroup.com.


Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated policy will be indicated by an updated "Effective Date" and the updated version will be effective as soon as it is accessible.


Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at michelle@lenoxinsurancegroup.com.

Consumer Report Disclosure

Updated April 16th, 2024

Purpose of Disclosure

This disclosure is provided by Lenox Insurance Group, LLC ("we", "us", "our"), to inform you that as part of your application or quote for insurance, we may procure a consumer report about you. This report is used for the purpose of evaluating your eligibility for insurance coverage and rates, or for other legitimate business purposes in accordance with federal and state laws.

What is a Consumer Report?

A consumer report is a document that may contain information about your personal characteristics, mode of living, credit history, driving records, and public record information. This information may be obtained from public records and personal interviews with your neighbors, friends, or associates.

Who May Obtain a Consumer Report?

We may contact an independent reporting agency to obtain a consumer report about you. By proceeding with your application or claim, you authorize us to obtain such reports.

Your Consent and Authorization

By signing your insurance application or insurance quote, you authorize us to obtain one or more consumer reports about you, both now and for as long as you have an ongoing relationship with us.

Your Rights Under the Fair Credit Reporting Act (FCRA)

Under the FCRA, you have specific rights regarding consumer reports, including the right to be informed if information in your consumer report has been used against you, the right to know what is in your file, the right to request a credit score (if applicable), and the right to dispute incomplete or inaccurate information. If any adverse action is taken based on information contained in your consumer report, you will be provided with additional notices as required by law.

Contact Information

For further information, or to exercise your rights under the FCRA, you may contact: