Lighthouse Group Privacy Statement
To Our Customers:
Insurance agencies, such as Lighthouse Group, are required by federal privacy laws to provide you with a Privacy Notice that explains our privacy practices.
This Privacy Notice is provided to help you better understand how we obtain, use, share, and protect your non-public personal information during our customer relationship with you and after it has ended.
What Kind of Personal Information Do We Obtain and How Do We Obtain It?
Generally, we obtain your name, address, phone number, social security number, date and place of birth, age, sex, and other demographic information. Depending on the product or service in which you are enrolled and whether that product or service is group or individual, we may also obtain your occupation, salary, transactional information, billing preferences, beneficiary information, and work history.
We obtain non-public personal information about you from:
- You, on your application for insurance or other service;
- Your physician or other health care provider; and
- Your employer, if you are enrolled in a group health plan;
How Do We Use Your Personal Information?
We use your non-public personal information to perform transactions and functions necessary to implement and administer the product or service in which you are enrolled. These functions include enrollment, premium payment processing, customer service, claim payment, health care benefit management, fraud and abuse protection, and other similar activities.
What Personal Information Do We Share About You and With Whom?
We may share all of the non-public personal information we obtain about you, as described above, with our affiliates when the sharing is in accordance with the law. Our affiliates include, for example, insurance carriers.
We may share any of your non-public personal information we obtain with our affiliates as well as non-affiliates as necessary to provide our products and services to you. For example, we may share such information with companies and individuals with whom we contract to assist with administration of the product or service in which you are enrolled. Those companies and individuals may help us mail benefit booklets and other communications to you, conduct satisfaction surveys, manage your benefits, or perform other activities. We require each unaffiliated third party with whom we contract to assist in administering a product or service to agree in writing to abide by the same privacy standards we do.
We may share any of your non-public personal information we obtain with affiliated and unaffiliated third parties as otherwise permitted or required by law. For example, we may share information with an insurance regulatory authority, a government agency, or a law enforcement official to comply with a regulatory examination or investigation, a state statute, a subpoena, or a court order.
We may share all of the non-public personal information we obtain about you, as described above, with unaffiliated third parties that act on our behalf to market the products and services we offer when the sharing is in accordance with the law.
How Do We Protect Your Personal Information?
We maintain physical, electronic, and procedural safeguards to protect your non-public personal information. We use and share your non-public personal information to the extent minimally necessary to administer the products and services in which you are enrolled. We restrict our employees' access to your non-public personal information to those employees who need to know the information to administer the product or service in which you are enrolled.
How to Contact Us?
Feel free to call us at 1-800-344-3531 if you have any questions about the notice. Our office hours are Monday through Friday from 8:00 AM - 5:00 PM.