Privacy Policy

Privacy Policy
Effective Date: May 17, 2018

This privacy policy (this "Privacy Policy") sets out the privacy policies and practices and its subsidiaries and affiliates (collectively "LifestyleShield") with respect to how LifestyleShield collects your personal information. It also describes how LifestyleShield maintains, uses, and discloses personal information. This Privacy Policy applies to information collected from you by LifestyleShield or our affiliates via this website and websites operated or provided by LifestyleShield or our affiliates, including, and various subdomains, as well as various third-party websites operated or controlled by our third-party partners. This Privacy Policy also sets out how you can access certain information that LifestyleShield may collect about you. In this Privacy Policy, "personal information” means information or opinion about an individual whose identity is apparent or can be reasonably ascertained from the information or opinion as further defined under applicable privacy laws.

Please read this Privacy Policy carefully. Because the Internet is an evolving medium, we may need to change our Privacy Policy at some point in the future. Please note that the Sites may contain links to other third-party websites that are not controlled or operated by LifestyleShield. This Privacy Policy does not apply to such third-party websites, and LifestyleShield is not responsible for the content of such third-party websites or the privacy practices of such third parties. Therefore, LifestyleShield encourages you to request and review the privacy policies of any third parties upon disclosing your personal information to such parties or when visiting such third-party websites.

BY SUBMITTING PERSONAL INFORMATION TO LIFESTYLESHIELD OR ITS SERVICE PROVIDERS AND AGENTS, YOU AGREE THAT LIFESTYLESHIELD MAY COLLECT YOUR PERSONAL INFORMATION AND YOU CONSENT TO THE USE, DISCLOSURE AND TRANSFER OF YOUR PERSONAL INFORMATION IN ACCORDANCE WITH THIS PRIVACY POLICY AND AS PERMITTED OR REQUIRED BY LAW.  Subject to legal and contractual requirements, you may refuse or withdraw your consent to certain of the identified purposes at any time by contacting LifestyleShield at the email address provided below.  If you refuse or withdraw your consent, you acknowledge that LifestyleShield may not be able to provide you or continue to provide you with certain services or information that may be of value to you.

Revisions to This Privacy Policy
LifestyleShield reserves the right, in LifestyleShield’s discretion, to change, modify, add or remove portions of this Privacy Policy at any time and from time to time, without prior notice to you. However, LifestyleShield will treat your continued use of the Sites following such revision as your acceptance of the revised terms. All revisions will be posted to the Sites and will apply to any personal information collected on or after the date posted. LifestyleShield will obtain the necessary consents required under applicable privacy laws if it seeks to collect, use or disclose your personal information for purposes other than those to which consent has been obtained unless otherwise required or permitted by law. This Privacy Policy was last updated May 17, 2018.

How We Use the Information We Collect
LifestyleShield may collect personal information in connection with your use or purchase of LifestyleShield’s products and services.

Registering or filling in forms on the Sites or at our third-party partners. This includes information you may provide when you request additional information about LifestyleShield’s products and services or sign up to receive information about various insurance offers.

Your usage of the Sites and your IP address, for the purpose of informing user experience and providing personalized ads.
Completing your user profile on the Sites.
Purchasing any product or service from LifestyleShield through the Sites or third parties.
Requesting information or assistance from LifestyleShield. LifestyleShield may keep a copy of any communications or correspondence you may send to it, including any email communications.
Participating in or responding to consumer survey or requests for consumer’s opinions, concerns, and preferences regarding LifestyleShield’s products and services.
Using other features of the Sites that may be offered from time to time and may require such information in order to utilize the feature (including but not limited to making a Submission as defined in the Terms and Conditions).

The personal information that LifestyleShield may collect may include your name, username, password, email address, age, date of birth, gender, address, telephone number, personal preferences, and any other personal information that you choose to include.You represent and warrant that you have the right and authority or have obtained all necessary consents to provide any information, including any personal information of another individual that is provided by you to LifestyleShield.

LifestyleShield may also collect information that may not be personal information, which may include, but is not limited to, your IP address, the frequency of user visits to the Sites, the routes by which users access the Sites and use of any hyperlinks available on the Sites. LifestyleShield or its service providers and agents may process and use this aggregate data for various purposes including, but not limited to, analysis of this data for trends and statistics, development of the Sites and the Sites’ features and offerings, assessing patterns of use, or planning and evaluating marketing initiatives. This information is gathered by certain tools and methods such as the collection of your IP address or the use of cookies and is maintained, used and disclosed in aggregate form unless otherwise noted.

Like many websites, LifestyleShield utilizes "cookies” to maintain a record of your visit to the Sites. A cookie is a small text file that is transferred by a web server and stored on the hard drive of your computer. It can only be read by the server that sent it to you. This information does not identify you personally and you remain anonymous unless you have otherwise provided LifestyleShield with personal information. Cookies help LifestyleShield to improve the Sites and to deliver more personalized service by enabling LifestyleShield to estimate audience size and usage patterns; to store information about your preferences; to speed up your searches and to recognize you when you return to the Sites. Most web browsers automatically accept cookies. If you would prefer to prevent your computer from accepting LifestyleShield’s cookies, you may follow your Internet browser’s steps for doing so. Please note, however, that if you do disable cookies from your browser, you may not be able to access certain sections of the Sites.

IP Addresses
An IP address is a computer’s numeric address within a network. LifestyleShield may record your IP address when you visit or use services or features on the Sites. LifestyleShield may use your IP address for the purposes noted above, and also to help diagnose problems with LifestyleShield’s server, or to administer the Sites. LifestyleShield may also use your IP address to identify you when LifestyleShield feels it is necessary to enforce compliance with this Privacy Policy or the Terms of Use, or to protect the Sites, systems, information, employees, service providers, business partners, users, customers and others.

Protection of Your Information
To prevent unauthorized access or disclosure, maintain data accuracy and facilitate the appropriate use of information, LifestyleShield uses physical, technological and administrative procedures to protect the personal information that LifestyleShield collects from loss, unauthorized access, modification, disclosure or other misuses.

Nevertheless, Internet transmissions are never completely private or secure. You understand that any messages or information you send to the Sites may be read or intercepted by others. If you have any questions about the security of personal information collected by LifestyleShield, please contact [email protected]

Many sections of the Sites are not confidential and are available for public viewing. Any submissions that you may post to any publicly available blogs or other publicly available features of the Sites are not confidential and may be viewed by other users of the Sites. By making personal information publicly available where the Sites allow you to do so, you consent to such publication by LifestyleShield or its service providers and agents. Please refer to the Terms of Use for additional provisions relating to user submissions that may apply to you.

Use of Your Personal information
Upon LifestyleShield’s collection of your personal information, LifestyleShield may use such personal information internally, separately or in combination with pre-existing information, for the following purposes:

To develop, enhance, market, sell or otherwise provide information, products or services;
To establish and conduct commercial relationships, including to process purchases or other transactions and to conduct or administer other transactions that you may engage in with LifestyleShield.
To contact you and to respond to any communications that you may have had with us;
To troubleshoot problems with the Sites;
To customize your experience or homepage on the Sites;
To develop and manage LifestyleShield’s business and operations;
To enforce LifestyleShield’s Terms of Use or comply with this Privacy Policy;
To detect and protect LifestyleShield and other third parties against error, negligence, breach of contract, fraud, theft and other illegal activity, and to audit compliance with LifestyleShield’s policies and contractual obligations;
To engage in business transactions, including the purchase, sale, lease, merger, amalgamation or any other type of acquisition, disposal, securitization or financing involving LifestyleShield;
As permitted by, and to comply with, any legal or regulatory requirements or provisions; or To access, preserve, disclose and use your personal information contained in your account, all Submissions (as defined in the Terms of Use), all communications to and from you, all information relating to your use of the Sites, if LifestyleShield is required to do so by law or legal process or if LifestyleShield determines, in its sole discretion, that such action is necessary to protect the rights of LifestyleShield, third parties, and other users of the Sites or for purposes of responding to your request for customer service. For any other purpose to which you consent.

Personal information collected by LifestyleShield may be transferred to, stored and processed in the United States.  While in another jurisdiction for processing, the information may be accessed by the courts, law enforcement, and national security authorities of that jurisdiction.

International Privacy Laws
If you are visiting the services of LifestyleShield from outside the United States, please be aware that you are sending information (including personal data) to the United States where our servers are located. That information may be transferred within the United States or back out of the United States to other countries outside of your country of residence, depending on the type of information and how it is stored by us. These counties (including the United States) may not necessarily have data protection laws as comprehensive or protective as those in your country of residence, however, our collection, storage and use of your personal data will at all times continue to be governed by this privacy policy.

EU – US Privacy Shield
For personal data we receive from the EEA, LifestlyeShield has certified its compliance to the EU-US LifestyleShield as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal data from the European Union countries. We have certified that we adhere to the Privacy Shield principles of Notice, Choice, Accountability for Onward Transfers, Security, Data Integrity & Purpose Limitation, Access and Recourse, Enforcement & Liability when procession Personal Data from the EEA in the United States.

Disclosure of Your Information
LifestyleShield may disclose your personal information to its subsidiaries or affiliates and to third parties whom LifestyleShield hires to provide services on LifestyleShield’s behalf, including, but not limited to, support services, website services, delivering promotional materials, promotions, and answering customer questions about LifestyleShield’s products and services. These subsidiaries, affiliates and third parties may be located overseas. LifestyleShield will only provide those third parties with the personal information that they need to deliver the services to LifestyleShield and/or on LifestyleShield’s behalf. In the event that LifestyleShield is involved in a business transaction, including the purchase, sale, lease, merger, amalgamation or any other type of acquisition, disposal, securitization or financing involving LifestyleShield, you consent to your personal information and any other information LifestyleShield may have collected being transferred to another party in connection with such transaction. You also consent to LifestyleShield disclosing your personal information to legal, financial, insurance, or other advisors in connection with such business transaction or management of all or part of LifestyleShield’s business or operations; as consented to by you from time to time, including to fulfill any other purposes that are identified when the personal information is collected; or as otherwise permitted or required by law.

Promotional Emails
If you provide your email address to us, you agree that we may send you service announcements, administrative messages, marketing communications, and other information via email. If you have received a promotional email from us, you can opt out of receiving future promotional emails from us by following the unsubscribe instructions contained in such email. Please be aware that there may be a brief period before we are able to process your opt out during which you may continue to receive promotional emails from us.

Disclosure of Personal Information for Third-Party Advertising
If you do not want us to share your personal information with third parties for their own promotional purposes, you can opt out by emailing us at [email protected] requesting to be removed from any lists used for these purposes or that may be given or sold to third parties.

Retention of Your Personal information
The personal information that you provide will be retained by LifestyleShield in accordance with applicable laws. However, LifestyleShield will destroy or permanently de-identify personal information it holds if requested by you.

Children’s Privacy
Our Sites, products, and services are not directed to, and LifestyleShield does not knowingly collect or solicit personal information from, children under the age of 13. If we learn we have collected or received personal information from a child under the age of 13, we will delete that information. LifestyleShield recognizes the privacy interests of children and LifestyleShield encourages parents and guardians to take an active role in their children’s online activities and interests. The Sites are not intended for children under the age of 18. LifestyleShield does not target its services or the Sites to children under 18. LifestyleShield does not knowingly collect personal information from children under the age of 18.

Choice and Opt-Out Preferences
LifestyleShield collects the following information via first-party cookies: IP address and website usage; in the case of one-on-one marketing promotion: your first name, last name, email address, city, country and postal code, obtained at your provision through newsletter subscription opt-in.  If at any time you prefer not to receive further email communications from LifestyleShield (except with respect to transactional communications regarding information, products or services specifically purchased or requested by you), you will have the ability to unsubscribe from such communications by e-mail via [email protected] To opt out of receiving behavior-based advertising, please visit Google’s Ads Settings, the DoubleClick opt-out page, Facebook’s Ad Settings manager, and LinkedIn’s Cookie Settings. To opt out of personalized content, please visit MailChimp’s Website Cookies Preferences tool on their Cookies Statement page and Google’s User Privacy Hub.

We and our third-party partners may use other technologies from time to time, like web beacons, pixels (or "clear gifs”) and other tracking technologies. While you may not have the ability to specifically reject or disable these tracking technologies, in most instances, these technologies are reliant on cookies to function properly; accordingly, in those instances, declining cookies will impair the functioning of these technologies.

Access and Correction
LifestyleShield will take reasonable steps to ensure the personal information it holds is accurate, complete and up to date. Upon your written request, subject to certain exceptions, LifestyleShield will inform you of the existence, use and disclosure of your personal information and provide you with a copy of that information. Additionally, if you have any questions or enquiries relating to our privacy practices or procedures, or if you believe that the personal information that LifestyleShield holds about you is not accurate, complete or up to date, you may write to us at the address provided below. If you are able to establish that the information is not accurate, complete or up to date, LifestyleShield will take reasonable steps to correct the information so that it is accurate, complete and up to date.

Request for Access and Correction, Questions, Comments or Contact Us
LifestyleShield welcomes questions and comments about this Privacy Policy. Requests for access and correction of your personal information, and questions or comments should be directed to the LifestyleShield at: [email protected]