Privacy Policy | L. Yeah Group

Last Updated: March 14, 2019

At L. Yeah Group, LLC your privacy is important to us. In this Privacy Policy, we tell you what information we collect, share with others, and how we use it.

Scope of this Privacy Policy

L. Yeah Group, LLC (“LYG,” “we,” “our,” and/or “us”) values the privacy of individuals who use our website and mobile apps (collectively, our “Platform”). This privacy policy (the “Privacy Policy”) explains how we collect, use, and share information from LYGs’ users (“Users”). It applies to our clients (“Clients”), individuals who request services through our Platform (“Consultants”), anyone who signs up to become a Subscriber, Member or Consultant (“Prospective Consultants”). By using the Platform, you agree to the Privacy Policy and any future amendments and additions. Your use of our Platform is also subject to our Terms of Service.

1. Information You Provide Directly to Us

1.1. Information Provided by Clients

Service Request and booking Information. When you request a service and/or book an appointment through LYG as a Client, you provide us with information, including, but not limited to your name, email address, and phone number.

Payment Information. When you add a payment card to your LYG account, a third-party payments service provider receives your card information. We do not store full payment card information on our servers.

1.2. Information Provided by Prospective and Active Consultants

New Consultant Information. When you sign up to become a Consultant, you provide us certain information, including, but not limited to your legal name, Social Security Number, date of birth, email address, physical address, phone number, photo, driver’s license information, vehicle information, and car insurance information. We share this information with the National Agents Alliance or NAA and your prospective states' department of Insurance. Additional information about NAA is provided in Section 3.2 below. We may also collect information from you after sign up as is necessary to effectively operate the Platform.

Payment Information. We enter Alliance Consultants’ bank account and tax information onto the NAA platform to provide payment and for tax reporting purposes.

1.3. Information Provided by Members and Subscribers

Profile Information. A Member or Subscriber who signs up for our Platform provides us with certain information, including, but not limited to your name, email address, and phone number.

1.4. Information Provided by All Users

Communications. If you contact us directly, we will receive your name, email address, and the contents of any message or attachments that you may send to us, as well as any other information you choose to provide and it will not be shared.

2. Other Information We Collect Through Your Use of the Platform

Usage Information. We automatically receive information about your interactions with our Platform, such as the pages or other content you view, the services you search for or request, and the dates and times of your visits, to help us understand how you use our Platform, help us improve our Platform, and provide you information about our Platform, Merchants, and Affiliates.

Call and Text Information. We work with one or more third parties to facilitate phone calls and text messages between Clients and Consultants who are providing services. We receive information about these communications including the date and time of the call or text message, the parties’ phone numbers, and the content of the text messages. We do not record or have access to the content of the phone calls

Information from Cookies and Similar Technologies. We and our service providers collect information through the use of “cookies” and similar technologies to understand how you navigate through and interact with our Platform, to learn what content is popular, for authentication and advertising purposes, and to save your preferences. Cookies are small text files that web servers place on your device; they are designed to store basic information and to help websites and apps recognize your browser. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be accessed every time you use our Platform. We also use cookies for data analytics purposes, including from Google Analytics. You can find more information on how Google uses data from these cookies at: policies.google.com/privacy#whycollect. To learn more about Google Analytics and how to delete your current information saved, you may visit: policies.google.com/privacy#infodelete You should consult your web browser to modify your cookie settings. Please note that if you delete or choose not to accept cookies from us, you may be missing out on certain features of our Platform.

3. Information We Receive from Third Parties

3.1. Information We Receive About Clients

Affiliates. If you make a purchase through one of our Affiliates’ links via LYG, we receive information about your purchase, including your name, phone number, the product you purchased, and the delivery location.

3.2. Additional Information We Receive About Prospective and Active Consultants

Background Information on Consultants. LYG connects Consultants to NAA and the department of Insurance in their state as well as the FBI to perform driving record and criminal background checks on Prospective Consultants, and in some instances these entities provide Prospective and active Consultants’ records to LYG as part of the background check process.

3.3. Information From Affiliates and Non-Affiliated Third Parties

We may collect information about you or others through LYG affiliates or through non-affiliated third parties. For example, you may be able to access the Platform through a social networking account, such as Facebook. If you access the Platform through your Facebook account, you may allow us to have access to certain information in your Facebook profile. This may include your name, profile picture, gender, networks, and/or email address and other information you allow to be imported from Facebook, which is controlled in your Facebook privacy settings.

Social networking sites, such as Facebook, have their own policies for handling your information. For a description of how these sites may use and disclose your information, including any information you make public, please consult the sites' privacy policies. We have no control over how any third-party site uses or discloses the personal information it collects about you.

4. How We Use Information We Collect

4.1. Uses of Information Collected from All Users

We may use the information we collect from all Users to:

Provide, improve, expand, and promote our Platform and other services;

Analyze how you use our Platform; Communicate with you, either directly or through one of our service providers, including for marketing and promotional purposes; Facilitate transactions, services, and payments; Respond to client support questions or your requests; Conduct research; Find and prevent fraud; Resolve disputes, to protect ourselves and other Users, and to enforce any legal terms that govern your use of the Platform; and

Respond to any issues that may arise during appointments. We may aggregate and/or de-identify information collected through the Platform. We may use de-identified or aggregated data for any purpose, including without limitation for research and marketing purposes and may also share such data with any third parties, including without limitation, advertisers, promotional Affiliates, sponsors, event promoters, and/or others.

4.2. Additional Uses of Prospective and Active Consultant Information

Additionally, we use information from Prospective and active Consultants for the following purposes related to the Platform: (1) determining whether to grant a Prospective Consultant access to receive opportunities through our Platform, and (2) sending emails and text messages to Prospective and active Consultants regarding their LYG sign up, available services, incentives and other opportunities, and additional information about our Platform.

4.3. Additional Uses of Merchant Information

Additionally, we use the information we collect from Merchants for marketing purposes, including via text message, push notifications, phone calls, and emails.

5. How LYG Shares Information It Collects From Users

5.1. Service Providers

We share your information with service providers that perform services on our behalf, including all of the uses described in Section 4 above.

5.2. Other Sharing

We may share your information with third parties in the following cases: Where disclosure is required or appropriate in order to comply with laws, regulations, legal process, or a governmental request; With law enforcement officials, government authorities, or third parties, if we think doing so is necessary to protect the rights, property, or safety of LYG, our Users, or the public; To protect the security or integrity of our Platform; To enforce our agreements, policies, and Terms of Service;

To respond to an emergency which we believe in good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person; To investigate and defend ourselves or others against any third-party claims or allegations; To provide information about the use of our Platform to Consultants, Merchants, active Consultants, or potential Consultants in aggregated or de-identified form that cannot reasonably be used to identify you; While negotiating or in relation to a business transaction, such as a merger, sale of assets, or bankruptcy;

Whenever you consent to the sharing, including without limitation when you use the social features of the Platform to (1) review, rate, and/or provide feedback on Consultants which will be available for viewing by other Users; (2) share the services, you’ve made through the Platform with other Users, including, but not limited to any designated favorite resources; and/or (3) share your favorite Service or lists of Resources with other Users; and;

When you share certain information related to resources with other Users or non-Users, including, but not limited to (a) your cart; (b) the fees associated with your service (e.g. to split payment with others); and/or (c) the estimated time of delivery and progress of your service plan.

6. Advertising Affiliates

Third parties whose products or services are accessible or marketed via the Platform may also place cookies or other tracking technologies on your computer, mobile phone, or other device to collect information about your use of the Platform. We neither have access to, nor does this Privacy Policy govern, the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device you use to access the Platform by non-affiliated, third-party ad technology, ad servers, ad networks or any other non-affiliated third parties. Those parties that use these technologies may offer you a way to opt out of targeted advertising as described below. You may receive tailored advertising on your computer through a web browser. Cookies may be associated with de-identified data linked to or derived from data you voluntarily have submitted to us (e.g., your email address) that we may share with a service provider in hashed, non-human-readable form.

7. Your Choices

In addition to other choices described in this Privacy Policy and in the Platform, you have other choices regarding your information:

Profile Information. You can update your profile information through your profile settings. If you need to change the email address associated with your account, please contact us.

Email Subscriptions. You can always unsubscribe from our promotional emails via the link provided in the emails. Even if you opt out from receiving promotional messages from us, you will continue to receive administrative messages from us.

Account Deletion. If you would like to delete your LYG account, please contact us with your request. If you choose to delete your account, we will delete it for you, but may retain your account information to collect any fees owed, resolve disputes, troubleshoot problems, analyze usage of the Platform, assist with any investigations, prevent fraud, enforce our Terms of Service, or take other actions as required or permitted by law and/or regulations.

8. Third-Party Links

Our Platform contains links to other websites, products, or services that we do not have control over. Please be aware that we are not responsible for the privacy practices of such third parties. We encourage you to read their privacy policies before giving them your information.

9. Data Security

We are committed to protecting your information. Even though we take precautions to protect Users’ data, no security measures can be 100% secure, and we cannot guarantee the security of Users’ data.

10. Children’s Privacy

LYG is not directed to children, and we do not knowingly collect personal information from children under 13. If you believe that a child under the age of 13 has given us personal information, please contact us.

11. Consent to Transfer

Our computer systems are currently based in the United States, so your personal data will be processed by us in the United States, where data protection and privacy regulations may not offer the same level of protection as in other parts of the world. If you create an account with the Platform as a visitor from outside the United States, by using the Platform, you agree to this Privacy Policy and you consent to the transfer of all such information to the United States, which may not offer a level of protection equivalent to that required in certain other countries, and to the processing of that information as described in this Privacy Policy.

12. Changes to Our Privacy Policy

We may make changes to this Privacy Policy from time to time. If we make any changes, we will notify you by revising the "Last Updated" date at the top of this Privacy Policy. If we make any material changes, we will let you know through the Platform, by email, or other communication. We encourage Users to read this Privacy Policy periodically to stay up-to-date about our privacy practices. As long as you use the Platform, you are agreeing to this Privacy Policy and any updates we make to it.

13. Contact Information

Feel free to contact us at any time with any questions or comments about this Privacy Policy, your personal information, our use and sharing practices, or your choices regarding your information by clicking here.