Legal Information | Leavitt Group Enterprises

Privacy Notice
Online Privacy Policy
California CCPA Privacy Policy
Compensation Disclosure
Conditions of Use
Transparency in Coverage

Do not share or sell my personal information

Privacy Notice

At Leavitt Group Enterprises and its affiliated entities, protecting your privacy is important. We want you to understand what information we collect and how we use it. This notice describes our privacy policy. By visiting the website Leavitt.com, and/or the websites of any of affiliated entities, you are accepting the practices described in this Privacy Notice.

What Information We Collect and From Whom We Collect It

We may collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or others; and
Information we receive from non-affiliated third parties, including consumer reporting agencies.
Information we receive from group and individual plans in the operation of their plan.

In addition, we may use "cookies" (small text files transferred from our website to your hard drive) to recognize repeat users, track usage, gather personal information, and facilitate your access to and use of the site.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial or insurance product or service to you.

Sharing of Data—Non-affiliated Third Parties to Whom Disclosures May Be Made

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries or affiliates that Leavitt Group Enterprises controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.

We may disclose your personal information to our service providers, suppliers, subcontractors, and other parties who provide services to us or act on our behalf. Phone numbers collected for SMS consent are not shared with any 3rd parties or affiliates.

We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.

Opt Out

If you no longer want to receive emails or marketing-related materials from us, you may opt out of receiving these materials by following the unsubscribe instructions in such messages or by contacting via email at: optout@leavitt.com. Please note that even if you opt out of receiving promotional emails from us, we may continue to send you transactional or informational email communications.

Why Do We Collect Your Private Information

Leavitt Group may collect your Personally Identifiable Information (PII) or Protected Health Information (PHI) from you or your employer for purposes of underwriting your financial or insurance product, and, in servicing that plan/policy. The types of information that may be collected include name, address, social security number, date of birth, employer, bank account information, insurance identification numbers, and/or other identifying information. We may access this information through your application process or enrollment with your employer health and ancillary plan products.

Our Security Procedures

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. PHI and PII will never be shared with a third party without express written authorization or where permitted by law.

We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information; including, encrypting PHI in transmission over the internet. PHI and PII are not accessible outside of the Leavitt Group secure website (e.g., SSL configuration). Data is only accessible by authorized personnel using unique, audited access controls and/or pursuant to a HIPAA Business Associate Agreement. Leavitt Group maintains integrity controls to ensure PHI and PII are not tampered with. All PHI and PII are backed up and encrypted in storage.

As part of Leavitt Group security procedures, annual reviews are conducted of the security and privacy controls for effectiveness. Logs are maintain for any uses and disclosures of PHI made outside of HIPAA’s legal operational permissions and the Business Associate Agreement(s). Any requests for access to logs for use and disclosure of PHI are responded to within 45 business days.

Disposal

PHI and PII are subject to the Leavitt Group HIPAA Disposal Policies & Procedures. Disposal shall occur after 7 years where law does not mandate otherwise. All PHI and PII are destroyed by shredding, deleting or, if not possible to do so, maintaining HIPAA safeguards throughout the duration of Leavitt Group housing PHI and PII. Any deletions will include deleting backups and keys.

Consent, Authorization, Revocation, Access

Leavitt Group requires written consent and authorization when sharing PHI and PII with third parties outside of the legal permissions to use and disclose PHI and PII provided for under HIPAA and any subsequent regulations. You may revoke consent to use your PHI or PII where the law may permit by submitting your request to your Leavitt Group representative who will forward this to the Leavitt Group HIPAA Privacy Officer. Any request to restrict use and disclosure will be considered within 30 business days; however, any for claims unresolved, any requests are not able to be complied with until all claims have been resolved. If withdrawing consent to use your PII or PHI, Leavitt Group may not be able to place your insurance or financial product or fully service that policy.

Request for access to records maintained by the Leavitt Group for consulting services may be submitted to lisa-nelson@leavitt.com. Access will be provided within 45 business days. Customers requesting updates to their HIPAA PHI records may request such through their Leavitt Group representative. Any requests will be considered within 30 business days.

Conditions of Use, Notices, and Revisions

If you choose to visit Leavitt.com and/or the websites of any affiliated entities, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Utah. If you have any concern about privacy at Leavitt.com and/or the websites of any affiliated entities, please send us a thorough description to data.privacy@leavitt.com, and we will try to resolve it.

Our business changes constantly, and our Privacy Notice and the Conditions of Use will change also. You should check our Web site frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

Online Privacy Policy

Leavitt Group and it’s California Agencies (the “Company” or “we”) has developed this privacy policy out of respect for the privacy of our customers, visitors to our website, job applicants, and independent contractors. This policy describes the personal information we collect, use, and disclose about individual consumers, applicants, and contractors who visit or interact with this website, visit any of our offices, stores, facilities or locations, purchase or inquire about any of our products or services, contract with us to provide services, apply for a position of employment, or otherwise interact or do business with us.

Whenever you visit our website, we will collect some information from you automatically simply by you visiting and navigating through this site, and some voluntarily when you submit information using a form on the website, enroll in or subscribe to our newsletter or marketing communications, request information, or use any of the other interactive portions of our website. Through this website, we will collect information that can identify you and/or your activity.

Additionally, whenever you communicate, interact, or do business with us, whether online or at any of our physical locations or facilities, or whether you are contracted to perform services for us or apply for a position of employment, we will be collecting personal information from you or about you in the course of our interaction or dealings with you.

Information we collect

Whenever you visit our website, we will collect some information from you automatically, and some voluntarily.

We will collect the following information automatically:

IP Address
The date and time of your visit
Webpages visited
Browser Identification
Form information downloaded
Domain name from which our site was accessed

We will collect the following information voluntarily:

Your name
Your contact information, including your email address

Uses of the information that we collect

We collect information about our website visitors for a number of reasons, including:

To improve the website experience for all visitors
To understand the demographics of our website visitors
To facilitate the processing of subscriber requests
To be able to communicate with website visitors

How we protect the information that we collect

The protection of the information that we collect from our site visitors is of the utmost importance to us and we take every reasonable measure to ensure that protection, including:

We keep automatically collected data and voluntarily collected data separate at all times.
We use Secure Sockets Layer (SSL) 256 bit encryption wherever we capture voluntarily provided information.
We use internal encryption on all data stores that house voluntarily captured data.
We use commercially reasonable tools and techniques to protect against unauthorized access to our systems.
We restrict access to Private Information to those who need such access in the course of their duties for us.

Use of cookies and other tracking technologies

Cookies are small files that a website may transfer to a user's computer that reside there for either the duration of the browsing session (session cookies) or on a permanent (until deleted) basis (persistent cookies) that may be used to identify a user, a user's machine, or a user's behavior. We make use of cookies under the following circumstances and for the following reasons:

Compile data about site traffic to offer a better website experience.
Understand and save visitor preferences for future visits.

Do Not Track (DNT) is a privacy preference users can set if they do not want web services to collect information about their online activity. However, there is currently no universal standard for sending and receiving DNT signals. Due to this lack of universal standard, it would be impossible for us to promise that we comply with all known and unknown DNT standards.

Therefore, we do not respond to DNT signals or other mechanisms that provide a choice regarding the collection of personally identifiable information about activities over time and across different Web sites or online services. If a universal standard for DNT becomes available, we may revisit our DNT Policy.

Sharing of Data—Third-party disclosure of the information that we collect

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries that Leavitt Group Enterprises controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.

We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.

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Changes

From time to time we may modify and/or update this Privacy Policy. We encourage you to check back to this page to determine if any changes have been made.

California Consumer Privacy Act (CCPA)

For visitors from California, please see our California CCPA Privacy Notice.

California CCPA Privacy Policy

This policy does not apply to our current and former employees and their family members, dependents, and beneficiaries; if you are a California resident who is a current or former employee of the Company or a family member, dependent, or beneficiary of any of our current or former employees, you may request access to our Employee Privacy Policy by sending an email to Tiffany Nelson at tiffany-nelson@leavitt.com.

Collection of Personal Information and Sensitive Personal Information

Based on your specific transactions and interactions with us or our website, we will or may collect, and we have in the last 12 months collected, the following categories of personal information about you. For each category of information, the categories of third parties and service providers to whom we have disclosed the information in the last 12 months are referenced by a letter that coincides with the letter in the list of categories of service providers and third parties that follows soon after this table.

Category	Examples	Disclosed in Last 12 Months To	Sold or Shared in Last 12 Months to	Retention Period
Personal Identifiers	Name, alias, social security number, date of birth, driver’s license or state identification card number, passport number.	A, B, D, E, F, G, H, I, J, K, L, M, N	Shared with A, D, G, H, I, J, K, L, O, P	7 years after last purchase, the period in which a claim may be brought under the applicable statute of limitations, or the Company’s legitimate business or commercial purpose that is reasonably necessary and compatible with the context in which it was collected. If you are a job applicant and are hired by the Company, then name will be retained permanently, and the rest will be retained for duration of employment plus 6 years. If you are not hired, this data will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.
Contact Information	Home, postal or mailing address, email address, home phone number, cell phone number.	A, B, D, E, F, G, H, I, J, K, L, M, N	Shared with A, D, G, H, I, J, K, L, O, P	Duration of our relationship with you plus 7 years. If you are a job applicant and are hired by the Company, this will be retained permanently. If you are not hired, this data will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.
Account Information	Username and password for Company accounts and systems (including where a job applicant or candidate must create an account to apply for a job), and any required security or access code, password, security questions, or credentials allowing access to your Company accounts.	L	Not Sold or Shared	Username: permanent; Password or security code: while in use + 1 years
Protected Classifications	Race, ethnicity, national origin, sex, gender, sexual orientation, gender identity, religious or philosophical beliefs, age, disability, medical or mental condition, military status, familial status, union membership.	A, D, K	Shared with A, D, G, H, I, J, K, L, O, P	Duration of our relationship with you plus 7 years. This data is not collected from or about job applicants (unless required by law or government contract).
Commercial Transactional Data	Information regarding products or services provided, purchasing history.	A, B, C, E, F, G, H, N, M	Shared with A, D, G, H, I, J, K, L, O, P	7 years after transaction, unless necessary to maintain for a longer period for product warranty, or OSHA / FDA or other regulatory compliance.
Biometric Data	Fingerprints, retina scans, facial recognition, handprint.	Not Disclosed other than to the vendor we engaged to process this data	Shared with J	While in use for identity verification, plus 1 year. Not collected from job applicants.
Financial / Employment Data	Information collected through credit or financing applications, including employment history, company name, role, salary, dates of employment, bank accounts, income sources.	A, D, I, J, K, O, P	Shared with J	7 years
Internet Network and Computer Activity	Date and time of your visit to this website; webpages visited; links clicked on the website; browser ID; browser type; device ID; operating system; form information downloaded; domain name from which our site was accessed; search history; and cookies; internet or other electronic network activity information related to usage of Company networks, servers, intranet, or shared drives, as well as Company-owned computers and electronic devices, including system and file access logs, security clearance level, browsing history, search history, and usage history.	F, H, L	Shared with L	7 years
Geolocation Data	IP address and/or GPS location, latitude & longitude.	L	Shared with F, K, L	7 years
Mobile Device Data	Information collected when you navigate, access or use any of our websites via mobile device, including device type, software type; data identifying your device if you access our business networks and systems, including cell phone make, model, and serial number, cell phone number, and cell phone provider.	B, E, F, H	Shared with L	7 years
Online Portal and Mobile App Access and Usage Information	Username and password, account history, usage history, file access logs, security clearance level, and any information submitted through the account.	L	Shared with L, O	1 year
Visual, Audio or Video Recordings	Your image when recorded or captured in surveillance camera footage or pictures of you taken on our premises or at our events or that you share with us; audio recordings of calls and virtual meetings as disclosed to you at the time of the call.	L	Shared with L	Surveillance video is retained for the duration of our relationship with you plus 7 years, or for security footage, until the end of the tape (varies).
Pre-Hire Information	Information gathered on job applicants as part of background screening and reference checks, pre-hire drug test results, information recorded in job interview notes by persons conducting job interviews for the Company, information contained in candidate evaluation records and assessments, information in work product samples you provided, and voluntary disclosures by you.	I, J, K	Shared with G, I, J, K, P	If hired, this data will be retained for duration of employment plus 7 years. If not hired, it will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.
Employment and Education History	Information contained in job applicants’ resumes regarding educational history, information in transcripts or records of degrees, vocational certifications obtained, and information regarding prior job experience, positions held, and when permitted by applicable law your salary history or expectations.	I, J, K	Shared with F, I, K, P	If hired, this data will be retained for duration of employment plus 7 years. If not hired, it will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.
Professional Related Information	Information on independent contractors contained in tax forms/1099 forms, safety records, licensing and certification records, and performance records, and information related to services provided by independent contractors, including in statements of work.	A, I, J, K	Shared with A. D, F, G, K, P	Duration of our relationship with you plus 7 years.
Facility & Systems Access Information	Information identifying you, if you accessed our secure company facilities, systems, networks, computers, and equipment, and at what times, using keys, badges, fobs, login credentials, or other security access method.	L	Shared with L	7 years
Medical and Health Information	Information related to symptoms, exposure, contact tracing, diagnosis, testing, or vaccination for infectious diseases (e.g., COVID-19), pandemics, or other public health emergency.	O, P	Shared with D, H, O, P	The life of the plan plus 7 years. Job Applicants: If hired, this data will be retained for duration of employment plus 6 years. If not hired, it will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.

Of the above categories of Personal Information, the following are categories of Sensitive Personal Information the Company may collect from or about consumers, independent contractors, or applicants:

Personal Identifiers (social security number, driver’s license or state identification card number, passport number)
Account Information (your Company account log-in, in combination with any required security or access code, password, or credentials allowing access to the account)
Protected Classifications (racial or ethnic origin, religious or philosophical beliefs, union membership, or sexual orientation)
Biometric Information (used for the purpose of uniquely identifying you)
Geolocation Data (IP address and/or GPS location, latitude & longitude)
Medical and Health Information

Personal information does not include:

Publicly available information from government records.
Information that a business has a reasonable basis to believe is lawfully made available to the general public by the consumer, independent contractor, or applicant, or from widely distributed media.
Information made available by a person to whom the consumer, independent contractor, or applicant has disclosed the information if the consumer, independent contractor, or applicant has not restricted the information to a specific audience.
Deidentified or aggregated information.

We may collect your personal information from the following sources:

You the consumer, independent contractor, or job applicant, when you visit the website and voluntarily submit information through forms on the website or social media, when you visit any of our stores or physical locations, when you purchase or inquire about any of our products or services, when you enter into a contract to perform services for us, or when you apply for a position of employment.
Our employees, contractors, vendors, suppliers, guests, visitors, other consumers, and customers based on your interactions with them (if any)
We utilize cookies to automatically collect information about our website visitors
Surveillance cameras at our physical locations
Lead generators and referral sources
Credit and consumer reporting agencies
HR support vendors
Recruiters
Staffing agencies
Social media platforms
Company-issued computers, electronic devices, and vehicles
Company systems, networks, software applications, and databases you log into or use
Company systems, networks, software applications, and databases you log into or use in the course of applying for a position with the Company, interacting with our website, or otherwise interacting with us in any other capacity, including from vendors the Company engages to manage or host such systems, networks, applications or databases
Personal references and former employers (if you are a job applicant)
Schools, universities, or other educational institutions which you attended (if you are a job applicant)
From friends, family, or colleagues who choose to email you job postings that they think you may be interested in from our application platform or careers page
Clients plan participant consumers in the course of legitimate business as contracted with Broker of Record, Engagement Agreement and/or Business Associate Agreements

We may disclose or share your personal information with the following categories of service providers, contractors, or third parties:

Financial institutions
Lead providers
Product manufacturers/administrators, include insurance, compliance and health plan products
Government agencies
Promotional or other fulfilment vendors
Marketing support vendors and vendors that support managing or hosting the website
Transaction support vendors (e.g., check guaranty, payment processors)
Data analytics vendors
Professional employer organizations, recruiting firms, and/or staffing agencies
Consumer reporting agencies or credit reporting agencies
Talent acquisition management systems, and other vendors providing services for purposes of our human resources information system (HRIS) and management of job applicant data and recruiting process
Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants
Corporate customers (meaning an entity, as opposed to a natural person, that purchases, leases, or finances any of our products or services)
Original equipment manufacturers (OEM) (suppliers and makers of the products / vehicles we sell or lease to our customers)
Insurance carrier, administrators, and brokers
HR consultant

We may collect your personal information for the following business purposes:

To fulfill or meet the purpose for which you provided the information.
To process and submit financing applications, including to apply for credit, or credit pre-qualification.
To process, complete, and maintain records on transactions.
To provide warranty coverage on products and services.
To retain your selection for Text opt in/opt out to ensure customers who opted out are not sent any text messages.
To provide and communicate recall notifications to customers.
To schedule, manage and keep track of customer appointments.
To complete appraisals.
To maintain records of when customers decline a service or sale.
To respond to consumer inquiries, including requests for information, customer support online, phone calls, and in-store inquiries.
To provide interest-based and targeted advertising.
To contact you by email, telephone calls, mail, SMS, or other equivalent forms of communication regarding updates or informative communications related to the functionalities, services, or other information you requested or asked the Company to provide to you.
To improve user experience on our website.
To understand the demographics of our website visitors.
To detect security incidents.
To debug, identify, and repair errors that impair existing intended functionality of our website.
To protect against malicious or illegal activity and prosecute those responsible.
To verify and respond to consumer requests.
To prevent identity theft.
JOB APPLICANT PURPOSES:
1. To fulfill or meet the purpose for which you provided the information. For example, if you share your name and contact information to apply for a job with the Company, we will use that Personal Information in connection with your candidacy for employment.
2. To comply with local, state, and federal law and regulations requiring employers to maintain certain records, as well as local, state, and federal law, regulations, ordinances, guidelines, and orders relating to infectious diseases, pandemics, outbreaks, and public health emergencies, including applicable reporting requirements.
3. To evaluate your job application and candidacy for employment.
4. To obtain and verify background check and references.
5. To communicate with you regarding your candidacy for employment.
6. To permit you to create a job applicant profile, which you can use for filling out future applications if you do not get the job you are apply for.
7. To keep your application on file even if you did not get the job applied for, in case there is another position for which we want to consider you as a candidate even if you do not formally apply.
8. To evaluate and improve our recruiting methods and strategies.
9. To engage in lawful monitoring of job applicant activities and communications when they are on Company premises, or utilizing Company internet and WiFi connections, computers, networks, devices, software applications or systems.
10. To engage in corporate transactions requiring review or disclosure of job applicant records subject to non-disclosure agreements, such as for evaluating potential mergers and acquisitions of the Company.
11. To evaluate, assess, and manage the Company’s business relationship with vendors, service providers, and contractors that provide services to the Company related to recruiting or processing of data from or about job applicants.
12. To improve job applicant experience on Company computers, networks, devices, software applications or systems, and to debug, identify, and repair errors that impair existing intended functionality of our systems.
13. To reduce the risk of spreading infectious diseases in or through the workplace.
INDPENDENT CONTRACTOR PURPOSES:
1. To fulfill or meet the purpose for which you provided the information.
2. To comply with state and federal law and regulations requiring businesses to maintain certain records (accident or safety records, and tax records/1099 forms).
3. To engage the services of independent contractors and compensate them for services.
4. To evaluate, make, and communicate decisions regarding an independent contractor, including decisions to hire and/or terminate.
5. To grant independent contractors access to secure Company facilities, systems, networks, computers, and equipment, and maintain information on who accessed such facilities, systems, networks, computers, and equipment, and what they did therein or thereon.
6. To implement, monitor, and manage electronic security measures on independent contractor devices that are used to access Company networks and systems.
7. To evaluate, assess, and manage the Company’s business relationship with vendors, service providers, and contractors that provide services to the Company.
8. To improve user experience on Company computers, networks, devices, software applications or systems, and to debug, identify, and repair errors that impair existing intended functionality of our systems.
9. To reduce the risk of spreading infectious diseases in or through the workplace.

We may disclose your personal information for any one or more of the business purposes identified above.

We do NOT and will not sell your personal information in exchange for monetary or other valuable consideration. We do not share your personal information for cross-context behavioral advertising.

Notice of Right of California Residents to Opt-Out of the Selling and Sharing of Your Information

While we do not sell or share your personal information in exchange for money, we may sell or share your personal information for other valuable consideration. You have the right to tell us NOT to sell or share your personal information. You have the full and free right to opt-out of our disclosure of your personal information to any third parties where the disclosure constitutes “selling” or “sharing” as defined by the California Privacy Rights Act. You may exercise your right to opt-out without fear of discrimination for doing so. To opt-out of our selling or sharing of your information, meaning, we will not disclose your information to third parties for any monetary or other valuable consideration, you can do any of the following:

Click here to be taken to an online opt-out submission form.
Visit Leavitt Groups’ website at: leavitt.com . Click on “Do not sell or share my personal information” to be taken to an online submission form.
Visit any Leavitt Group location in California to request a paper opt-out submission form.
If you are unable to submit an opt-out through any of the above methods, please call our toll-free privacy line at (866) 744-1535 for assistance and a representative will assist in meeting your needs.

You can have an authorized agent submit a request on your behalf. To submit an opt-out through use of an authorized agent, you must provide that agent with written permission signed by you to submit an opt-out on your behalf, except when using an opt-out preference signal. The authorized agent may call our toll-free privacy line at (866) 744-1535 to make the opt-out request and for directions for submitting the proof of authorization and the authorized agent’s proof of identification to the Company. We maintain the right to deny any request from an authorized agent that does not submit sufficient proof that they have been authorized by you to act on your behalf.

A request to opt-out need not be a verifiable consumer request. However, we may deny a request to opt-out if we have a good faith, reasonable, and documented belief that a request to opt-out is fraudulent. If we deny your request to opt-out, we shall inform you of our decision not to comply and provide an explanation as to why we believe the request is fraudulent.

Opt-Out Preference Signals

Opt-out preference signals provide consumers with a simple and easy-to-use method by which to exercise the right to opt-out of the selling and sharing of their information. Global Privacy Controls (GPC) is a user-enabled opt-out preference signal which can communicate a user’s “Do Not Sell or Share” request on behalf of the person or device. We will not process opt-out preferences from GPC signals. All request must come from the webpage form, toll free number or written request.

Do Not Track (DNT) is a privacy preference that users can set if they do not want web services to collect information about their online activity. We do not respond to DNT signals or other mechanisms (with the exception of GPCs) that provide a choice regarding the collection of personal information about activities over time and across different websites or online services. We encourage users who have DNTs to use GPCs.

We do not and will not use or disclose your sensitive personal information for purposes other than the following:

To perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services.
To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted personal information.
To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions.
To ensure the physical safety of natural persons.
For short-term, transient use.
To perform services on behalf of the Company.
For purposes that do not involve inferring characteristics about the consumers, contractors, and applicants.

Retention of Personal Information

We will retain each category of personal information in accordance with our established data retention schedule as indicated above. In deciding how long to retain each category of personal information that we collect, we consider many criteria, including, but not limited to: the business purposes for which the Personal Information was collected; relevant federal, state and local recordkeeping laws; applicable statutes of limitations for claims to which the information may be relevant; and legal preservation of evidence obligations.

We apply our data retention procedures on an annual basis to determine if the business purposes for collecting the personal information, and legal reasons for retaining the personal information, have both expired. If so, we will purge the information in a secure manner.

Third Party Vendors

We may use other companies and individuals to perform certain functions on our behalf. Examples include administering e-mail services and running special promotions. Such parties only have access to the personal information needed to perform these functions and may not use or store the information for any other purpose. Subscribers or site visitors will never receive unsolicited e-mail messages from vendors working on our behalf.

Business Transfers

In the event we sell or transfer a particular portion of its business assets, information of consumers, contractors and applicants may be one of the business assets transferred as part of the transaction. If substantially all of our assets are acquired, information of consumers, contractors and applicants may be transferred as part of the acquisition.

Compliance with Law and Safety

We may disclose specific personal and/or sensitive personal information based on a good faith belief that such disclosure is necessary to comply with or conform to the law or that such disclosure is necessary to protect our employees or the public or for a legitimate business purpose.

Use of Cookies and Other Tracking Technologies

Cookies are small files that a website may transfer to a user’s computer that reside there for either the duration of the browsing session (session cookies) or on a permanent, until deleted, basis (persistent cookies) that may be used to identify a user, a user’s machine, or a user’s behavior. We do not make use of cookies

Do Not Track (DNT) is a privacy preference that users can set if they do not want web services to collect information about their online activity. We do not respond to DNT signals.

External Links

Our website contains links to other sites. We are not responsible for the privacy practices or the content of such websites. To help ensure the protection of your privacy, we recommend that you review the Privacy Policy of any site you visit via a link from our website.

Children Under the Age of 16

We do share the personal information of consumers under 16 years of age only for permitted purposes and with consent.

However, we do not sell or share personal information collected from children at least 13 years of age and less than 16 years of age without receiving a request to opt-in to the selling or sharing of personal information from such children.

When we receive a request to opt-in to the selling or sharing of personal information from a child at least 13 years of age and less than 16 years of age, we will inform the child of their ongoing right to opt-out of the selling or sharing of their personal information at any point in the future and the process for doing so as provided for by the Notice of Right to Opt-Out of Selling and Sharing.

We do not sell or share personal information from children less than 13 years of age without receiving consent to the selling or sharing of personal information from the child’s parent or legal guardian. We use reasonably calculated methods to ensure that the individual providing consent is the child’s parent or legal guardian.

When we receive consent to the selling and sharing of personal information of a child less than 13 years of age from a parent or legal guardian, we will inform the parent or legal guardian of the right to opt-out of the selling or sharing and the process for doing so on behalf of the child as provided for by the Notice of Right to Opt-Out of Selling and Sharing.

We also utilize reasonably calculated methods to determine that the individual submitting a request to delete, request to correct, or request to know the personal information of a child under the age of 13 is the parent or legal guardian of that child.

How We Protect the Information that We Collect

The protection of the information that we collect about visitors to this website is of the utmost importance to us and we take every reasonable measure to ensure that protection, including:

We keep automatically collected data and voluntarily collected data separate at all times.
We use internal 256 bit encryption on all data stores that house voluntarily captured data.
We use commercially reasonable tools and techniques to protect against unauthorized access to our systems.
We restrict access to private information to those who need such access in the course of their duties for us.

International Visitors

We do not target, market to, or offer our products or services to consumers outside of the United States. You agree not to submit your personally identifiable information through the website if you reside outside the United States.

Rights Under the CCPA and CPRA

This section of the Privacy Policy applies only to California residents who are natural persons. If you are a California resident, you have the following rights pursuant to the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

Right to Know. The right to request, up to 2 times in a 12-month period, that we identify to you (1) the categories of personal information we have collected about you going back to January 1, 2022, unless doing so would be impossible or involve disproportionate effort, or unless you request a specific time period, (2) the categories of sources from which the personal information was collected, (3) the business or commercial purpose for collecting, selling, or sharing this information, (4) the categories of third parties with whom we share or have shared your personal information, (5) the categories of personal information that we have shared about you and the categories of third parties to whom the personal information was shared, by category or categories of personal information for each category of third parties to whom the personal information was shared, and (6) the categories of personal information that we have disclosed about you for a business purpose and the categories of persons to whom it was disclosed for a business purpose;
Right to Access. The right to request, up to 2 times in a 12-month period, that we disclose to you, free of charge, the specific pieces of personal information we have collected about you going back to January 1, 2022, unless doing so would be impossible or involve disproportionate effort, or unless you request a specific time period;
Right to Delete. The right to request, up to 2 times in a 12-month period, that we delete personal information that we collected from you, subject to certain exceptions;
Right to Correct. The right to request that we correct inaccurate personal information (to the extent such an inaccuracy exists) that we maintain about you;
Right to Opt-Out. The right to opt-out of the selling or sharing of your personal information to third parties;
Right to Limit. The right to limit the use or disclosure of your sensitive personal information;
The right to designate an authorized agent to submit one of the above requests on your behalf. See below for how you can designate an authorized agent; and
The right to not be discriminated or retaliated against for exercising any of the above rights, including an applicant’s and independent contractor’s right not to be retaliated against for exercising the above rights.

You can submit any of the above types of consumer requests through any of the 3 options below:

Submit an online request on our website.
Call our privacy toll-free line at (866) 744-1535.
Complete a paper form, which can be requested at any California Leavitt Group location.

Financial Incentives

We will not discriminate against you, in any manner prohibited by applicable law, when exercising CCPA rights. However, we may offer employees and plan participants financial incentives as permitted by the CCPA. Please review our CCPA Financial Incentive Notice available by request from your Leavitt Group Benefits and Human Resources Team. These notices are also provided annually at open enrollment.

Gramm-Leach-Bliley Act Exemption

Portions of our services are subject to the Gramm-Leach-Bliley Act. When we are extending credit, or providing financial advice or counseling, those activities are covered by the Gramm-Leach-Bliley Act. The CCPA does not apply to personal information to the extent that we collect, process, sell, or disclose it subject to the Gramm-Leach-Bliley Act. Therefore, certain rights under the CCPA may be limited to the extent such requests to exercise CCPA rights relate to the collection, processing, selling, or disclosure of personal information in connection with financial activities covered by the Gramm-Leach-Bliley Act.

How We Will Verify That it is Really You Submitting the Request

If you are a California resident, when you submit a Right to Know, Right to Access, Right to Delete, or Right to Correct request through one of the methods provided above, we will ask you to provide some information in order to verify your identity and respond to your request. Specifically, we will ask you to verify information that can be used to link your identity to particular records in our possession, which depends on the nature of your relationship and interaction with us. For example, we may need you to provide your name, email, phone number, IP address, browser ID, company you work for, and/or date of your last transaction with the business.

Responding to Your Right to Know, Right to Access, Right to Delete, and Right to Correct Requests

Upon receiving a verifiable request from a California resident, we will confirm receipt of the request no later than 10 business days after receiving it. We endeavor to respond to a verifiable request within forty-five (45) calendar days of its receipt. If we require more time (up to an additional 45 calendar days, or 90 calendar days total from the date we receive your request), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your verifiable request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

For a request to correct inaccurate personal information, we will accept, review, and consider any documentation that you provide, and we may require that you provide documentation to rebut our own documentation that the personal information is accurate. You should make a good-faith effort to provide us with all necessarily information at the time that you make the request to correct. We may deny a request to correct if we have a good-faith, reasonable, and documented belief that a request to correct is fraudulent or abusive. If we deny your request to correct, we shall inform you of our decision not to comply and provide an explanation as to why we believe the request is fraudulent.

Responding to Your Request to Opt-Out of the Selling or Sharing of Your Personal Information

We will act upon a consumer request to opt-out within ten (10) days of its receipt. We will notify all third parties to whom we have sold or shared personal information of your request and instruct them to comply with the request within the same time frame. We will notify you when this has been completed by mail or electronically, at your option.

Responding to Your Request to Limit the Use of Sensitive Personal Information

We will act upon a request to limit the use of sensitive personal information within ten (10) business days of its receipt. We will notify all third parties that use or disclose sensitive personal information of your request to limit and instruct them to comply with the request within the same time frame. We will notify you when this has been completed by mail or electronically, at your option.

A request to limit need not be a verifiable request. However, we may deny a request to limit if we have a good faith, reasonable, and documented belief that a request to limit is fraudulent. If we deny your request to limit, we shall inform you of our decision not to comply and provide an explanation as to why we believe the request is fraudulent.

If You Have an Authorized Agent:

If you are a California resident, you can authorize someone else as an authorized agent who can submit a request on your behalf. To do so, you must either (a) execute a valid, verifiable, and notarized power of attorney or (b) provide other written, signed authorization that we can then verify. When we receive a request submitted on your behalf by an authorized agent who does not have a power of attorney, that person will be asked to provide written proof that they have your permission to act on your behalf, and we will also contact you and ask you for information to verify your own identity directly with us and not through your authorized agent. We may deny a request from an authorized agent if the agent does not provide your signed permission demonstrating that they have been authorized by you to act on your behalf.

Other California Privacy Rights

The California Civil Code permits California Residents with whom we have an established business relationship to request that we provide you with a list of certain categories of personal information that we have disclosed to third parties for their direct marketing purposes during the preceding calendar year. To make such a request, please send an email to: ccpa-request@leavitt.com, or write to us at the address listed below. Please mention that you are making a “California Shine the Light” inquiry.

Consent to Terms and Conditions

By using this website, you consent to all terms and conditions expressed in this Privacy Policy.

Changes to Our Privacy Policy

As our services evolve and we perceive the need or desirability of using information collected in other ways, we may from time to time amend this Privacy Policy. We encourage you to check our website frequently to see the current Privacy Policy in effect and any changes that may have been made to them. If we make material changes to this Privacy Policy, we will post the revised Privacy Policy and the revised effective date on this website. Please check back here periodically or contact us at the address listed at the end of this Privacy Policy.

Consumers With Disabilities

This policy is in a form that is accessible to consumers with disabilities.

Questions About the Policy

This website is owned and operated by Leavitt Group. If you have any questions about this Privacy Policy, please contact us at lisa-nelson@leavitt.com or call (866) 744-1535.

**This policy was last updated November 2023.

Compensation Disclosure

The Leavitt Group agency with which you do business is part of the American Independent Agency system (Independent Agents), which consists of some 40,000 insurance agencies nationwide. Most small and medium sized businesses in the United States purchase insurance through independent agents. In addition, around 35% of personal insurance in the United States is placed through independent agents.

Each Leavitt Group agency owes duties to and seeks to well serve the insurers we represent, the wholesalers through which we place business, and the agency's employees, shareholders and regulators. In addition, each agency has a duty to be fair, honest and professional in dealing with its customers. We earnestly seek to serve these various duties. We will typically place coverage first with an insurer for which we are agent, and go to the wholesale market as a broker only when coverage cannot be reasonably obtained through one of the companies we represent.

Independent agents represent several, sometimes numerous, insurance companies, none with exactly identical compensation arrangements. We want our clients to understand how we earn our revenue, and the sources of that revenue. We believe this knowledge helps customers make sound insurance buying decisions, and helps assure we have the same expectations and assumptions as do our customers. We will swiftly answer any question you might have as to our agency's compensation on your transaction.

Regular Commissions: Most revenue comes from regular commissions paid on policies placed through the agency. Varying by product and insurer, these commissions range from 5% to 20% of each policy period's premium as to products other than life insurance and surety bonds. Policies with larger premiums tend to have a smaller commission percentage. Policies that are particularly expensive to administer tend to have higher commission rates. Surety bonds typically generate a commission of 20% to 30% of premium. Life insurance commissions vary greatly, but are typically between 55% and 80% of first year's premium, with residuals, if any, of typically 2% in subsequent policy years. This agency's average commission rate on all business it writes for insurers it represents as an agent is approximately 12.5% of total premiums.
Contingent Commissions: Most of the insurers that our agency represents also grant the agency the opportunity to earn an annual contingent commission. Unlike regular commissions, these annual contingent commissions are not tied to a specific policy, but rather are tied to results realized by the insurers we represent on the total business we place with those insurers during the prior year. These contingent commissions are typically based on the agency's collective volume of business with the insurer, and also upon the loss experience (profitability) the insurance carrier had on the business placed by the agency. Essentially, most insurance companies do not pay independent agents their full compensation at the time of sale, but pay part of the compensation only if the agent produces policies which in total are profitable for the insurer. The insurer uses contingent commissions as incentive for independent agents to be honest and accurate in submitting applications for insurance, and skillful in helping the insurer select good risks. Failure to earn a contingent commission is a typical consequence if an agent's business does not meet the insurer's quality or quantity expectations. Our agency has no contingent commission arrangements with insurance companies with which it does not have a direct agency relationship. Also, as is typical in many industries, insurers have incentive based contests where they reward agencies for achieving sales objectives. Typical of these rewards are invitations to the company's sales convention or other incentive trip. Some insurance companies also provide agencies with modest sales support services such as marketing leads, marketing materials, etc.
Policy Fees: In a minority of circumstances, usually with larger or difficult to place risks, insurers provide a policy quote that does not include agent's commissions. In these instances, a separate fee is negotiated with the insured. In such instances, fees are disclosed and itemized on billings to the insured. In some instances, where the commission paid by the insurer is inadequate to cover the cost for the service, a separate disclosed and itemized fee is charged. In such instances, our agency will itemize and disclose the revenue it receives via policy commissions, and that portion it receives via itemized fees. Also, our agency charges and is paid fees for services other than policy placement. These other services include risk management, engineering, or premium financing. Premium financing fees are typically paid directly by the premium finance company. Other such fees are separately itemized and billed to the customer.
Interest and Countersignature Income: In instances where customers pay for insurance policies through the agency (instead of by direct payment to the insurer which issued the policy), the agency may receive a modest amount of income from interest accruing on amounts held for payment to insurers. In addition, the agency charges interest on past-due receivables from these agency-bill customers. In increasingly rare instances, state law requires a resident agent to receive a commission for countersigning a policy issued by an agent from another state.
Other Income: Our agency is a member of Leavitt Group Agency Association (LGAA). LGAA provides a variety of services to its member agencies, such as automation, training, payroll, accounting, and website services. In addition, LGAA owns facilities to assist member agencies in placing insurance coverage on behalf of clients. LGAA owns a premium finance company that assists in the financing of commercial insurance policies issued through member agencies. The profits or losses of LGAA are allocated among member agencies on an equitable basis as outlined in the LGAA Operating Agreement. In addition, some LGAA member agencies own an interest in PacWest Captive Insurance Company (PacWest). PacWest is an Arizona-domiciled reinsurer of selected workers compensation policies issued by The Hartford Insurance Company. The Hartford's standard rate structure applies as to business PacWest reinsures.

Independent agents, including our agency, operate in highly competitive environments. Independent agents and other sellers of insurance compete with each other based on price, product, service, and the financial stability of the underlying insurance carrier. We work hard to serve our customers. We hope that providing this information is helpful. Thank you for your business, and please let us know whenever we can be of service.

Conditions of Use

Welcome to this website, which is sponsored by Leavitt Group Enterprises and/or one of its affiliated entities. This website provides its services to you subject to the following conditions. If you visit this website, you accept these conditions. Please read them carefully.

Privacy

Please review our Privacy Notice, which also governs your visit to this website and affiliated websites, to understand our practices.

Electronic Communications

When you visit either Leavitt.com or the websites of any of the Leavitt Group affiliated entities, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Copyright

All content included on this site, such as text, graphics, logos, button icons, audio clips, digital downloads, data compilations, and software, is the property of Leavitt Group Enterprises and its affiliates, or its content suppliers, and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Leavitt Group Enterprises and its affiliates and is protected by United States and international copyright laws. All software used on this site is the property of Leavitt Group Enterprises and its affiliates, or its software suppliers, and is protected by United States and international copyright laws.

Trademarks

Leavitt Group Enterprises, LGE, Leavitt Group Agency Association, LGAA, and other marks, graphics, logos, page headers, button icons, scripts, and service names indicated on our site are trademarks of Leavitt Group Enterprises, its subsidiaries and affiliates, or the site's content providers. These trademarks may not be used in connection with any product or service that is not Leavitt Group Enterprises' or one of its affiliates' in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Leavitt Group Enterprises, its subsidiaries, or its affiliates. All other trademarks not owned by Leavitt Group Enterprises, its subsidiaries, or its affiliates that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Leavitt Group Enterprises, its subsidiaries, or its affiliates.

License and Site Access

Leavitt Group Enterprises and its affiliated entities grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Leavitt Group Enterprises. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Leavitt Group Enterprises. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Leavitt Group Enterprises, its subsidiaries, or its affiliates without express written consent. You may not use any meta tags or any other "hidden text" utilizing Leavitt Group Enterprises' name, the name of any of its affiliated entities, or trademarks without the express written consent of Leavitt Group Enterprises. Any unauthorized use terminates the permission or license granted by Leavitt Group Enterprises and its affiliates. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Leavitt.com and/or its affiliated websites so long as the link does not portray Leavitt Group Enterprises, its subsidiaries, or its affiliates, or their products or services, in a false, misleading, derogatory, or otherwise offensive manner. You may not use any Leavitt Group logo or other proprietary graphic or trademark as part of the link without express written permission.

Reviews, Comments, Communications, and Other Content

Visitors may post reviews, comments, and other content; send e-cards and other communications; and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. Leavitt Group Enterprises reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content.

If you do post content or submit material, and unless we indicate otherwise, you grant Leavitt Group Enterprises, its subsidiaries, and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Leavitt Group Enterprises, its subsidiaries, its affiliates, and its sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Leavitt Group Enterprises, its subsidiaries, and its affiliates for all claims resulting from content you supply. Leavitt Group Enterprises has the right, but not the obligation, to monitor and edit or remove any activity or content. Leavitt Group Enterprises and its affiliates take no responsibility, and assume no liability, for any content posted by you or any third party.

Accuracy of Information

Leavitt Group Enterprises, its subsidiaries, and its affiliates attempt to be as accurate as possible. However, neither Leavitt Group Enterprises, its subsidiaries, nor its affiliates warrant that the content of this site is accurate, complete, reliable, current, or error-free.

Disclaimer of Warranties and Limitation of Liability

THIS SITE IS PROVIDED BY LEAVITT GROUP ENTERPRISES AND/OR ONE OF ITS AFFILIATED ENTITIES ON AN "AS IS" AND "AS AVAILABLE" BASIS. LEAVITT GROUP ENTERPRISES AND ITS AFFILIATED ENTITIES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, LEAVITT GROUP ENTERPRISES AND ITS AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. LEAVITT GROUP ENTERPRISES AND ITS AFFILIATES DO NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM LEAVITT.COM OR AFFILIATED WEBSITES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NEITHER LEAVITT GROUP ENTERPRISES NOR ANY OF ITS AFFILIATED ENTITIES WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Applicable Law

By visiting this website, you agree that the laws of the state of Utah, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Leavitt Group Enterprises, its subsidiaries, or its affiliates.

Disputes

Any dispute relating in any way to your visit to this website shall be submitted to confidential arbitration in Salt Lake City, Utah, except that, to the extent you have in any manner violated or threatened to violate the intellectual property rights of Leavitt Group Enterprises and/or its affiliated entities, Leavitt Group Enterprises and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the state of Utah, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

Site Policies, Modification, and Severability

Please review our other policies, such as our Privacy Policy, posted on this site. These policies also govern your visit to Leavitt.com and its affiliated websites. We reserve the right to make changes to our site, policies, and these Conditions of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Sharing of Data—Nonaffiliated Third Parties to Whom Disclosures May Be Made

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries that Leavitt Group Enterprises controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.

We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.

Opt Out

Our Security Procedures

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Conditions of Use, Notices, and Revisions

If you choose to visit Leavitt.com or the websites of any of its affiliates, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Utah. If you have any concern about privacy at this website, please send us a thorough description to data.privacy@leavitt.com, and we will try to resolve it.

Our business changes constantly, and our Privacy Notice and the Conditions of Use will change also. You should check our website frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

Transparency in Coverage Rule

The following is a link provided by UMR and Surest: transparency-in-coverage.uhc.com. The purpose of this link is to provide machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.