Privacy Policy
This Privacy Policy describes how Lucid Brokers LLC ("Lucid Brokers," "we," "us," or "our") collects, uses, shares, and protects information about you when you use our website at lucidbrokers.com (the "Site") or otherwise interact with our life insurance quoting and application services (collectively, the "Services"). We take your privacy seriously and only collect the information we need to help you shop for and buy life insurance.
The short version. We collect the personal and health information you enter into our quoting tool so that we can show you real insurance rates and, if you choose to apply, submit your application to a carrier. We never sell your data to marketers, and we only share it with the parties needed to complete your quote or application (carriers, our platform partner, and service providers). You have the right to access, correct, or delete your information at any time by contacting us at support@lucidbrokers.com.
Contents
1. Information we collect
We collect information directly from you, automatically when you use the Site, and from third parties involved in processing your insurance application.
a) Information you provide
When you request a quote or apply for a policy, you voluntarily provide us with:
- Contact information: first and last name, email address, phone number, and mailing address.
- Identifying information: date of birth, gender, and U.S. state of residence.
- Health information: answers to medical underwriting questions (tobacco use, pre-existing conditions, medications, hospitalizations, and similar items required by carriers).
- Lifestyle information: high-risk hobbies, driving history, and other information that affects eligibility or pricing.
- Coverage preferences: requested policy type, coverage amount, and term length.
- Beneficiary information (if you choose to apply for a policy): name and relationship of your chosen beneficiaries.
b) Information collected automatically
When you visit the Site, we automatically collect limited technical information, including your IP address, browser type, device type, operating system, referring URL, pages visited, and the date and time of your visit. We use this information for security, analytics, and to improve the Site.
c) Information from third parties
We may receive additional information from our partners when you apply for coverage, including underwriting decisions, policy status, and, with your consent, information from consumer reporting agencies (such as the MIB Group, prescription databases, or motor vehicle records). This information is used solely to process your application.
2. How we use information
We use the information we collect to:
- Generate real-time insurance quotes from our carrier partners;
- Submit and process applications if you choose to apply;
- Communicate with you about your quote, application, or policy;
- Respond to your questions and provide customer support;
- Verify your identity and comply with legal obligations;
- Protect against fraud and unauthorized access;
- Improve the Site and our Services (for example, by analyzing aggregated usage patterns);
- Meet our recordkeeping obligations under state insurance laws.
3. How we share information
We do not sell your personal information to third-party marketers. We only share information in the following circumstances:
- Insurance carriers: If you apply for a policy, we share your application information with the carrier you select so they can underwrite and issue the policy.
- Platform partners: We work with BackNine Insurance and Financial Services, Inc. as our technology and application platform partner. Information you enter flows through their systems to deliver quotes and process applications. Their use of your data is governed by their own privacy policy.
- Service providers: We use vetted third parties for hosting, analytics, email delivery, customer support, and similar operational needs. These providers are contractually limited to using your information only on our behalf.
- Consumer reporting agencies: With your consent, carriers may access data about you from agencies like the MIB Group, prescription databases, and motor vehicle records.
- Legal and regulatory: We may disclose information when required by law, subpoena, or government request, or to protect our rights, property, or safety, or that of our users or others.
- Business transfers: In connection with a merger, acquisition, financing, or sale of all or part of our business, your information may be transferred to the successor entity.
4. Cookies and tracking technologies
We use cookies and similar technologies to operate the Site, remember your preferences, and understand how visitors use our Services. You can control cookies through your browser settings. Disabling cookies may limit some features of the Site. We do not currently respond to Do Not Track browser signals, but we honor applicable opt-out rights described in Section 6.
5. Data retention
We retain your personal information for as long as reasonably necessary to provide our Services, comply with legal obligations (including state insurance recordkeeping requirements that typically require retention for several years after a policy ends), resolve disputes, and enforce our agreements. When information is no longer needed, we delete or anonymize it.
6. Your privacy rights
Depending on where you live, you may have the following rights with respect to your personal information:
- Access: Request a copy of the personal information we hold about you.
- Correction: Ask us to correct inaccurate or incomplete information.
- Deletion: Request that we delete your personal information, subject to legal recordkeeping obligations.
- Opt out of sale or sharing: We do not sell personal information for cross-context behavioral advertising.
- Non-discrimination: We will not discriminate against you for exercising your privacy rights.
- Appeal: If we deny a request, you may have the right to appeal that decision.
To exercise any of these rights, email us at support@lucidbrokers.com with your request and enough detail for us to verify your identity. We will respond within the time periods required by applicable law.
Residents of California, Colorado, Connecticut, Virginia, Utah, and other states with comprehensive privacy laws have additional rights under those laws, including the right to know the categories of personal information collected and the purposes for which it is used. All such rights are available by contacting us at the email above.
7. Data security
We use industry-standard safeguards to protect your information, including encryption in transit (TLS/SSL), access controls, and secure data storage. No system is perfectly secure, however, and we cannot guarantee the security of information transmitted over the internet. If you suspect unauthorized access to your information, please contact us immediately at support@lucidbrokers.com.
8. Children's privacy
Our Services are intended for adults aged 18 and older. We do not knowingly collect personal information from anyone under 18. If you believe a child under 18 has provided us with personal information, please contact us and we will take steps to delete it.
9. Third-party links
The Site may contain links to third-party websites (for example, insurance carriers or partner platforms). This Privacy Policy does not apply to those sites. We encourage you to read the privacy policies of any third party before providing them with personal information.
10. Changes to this policy
We may update this Privacy Policy from time to time. If we make material changes, we will post the updated policy on this page and revise the "Last updated" date above. Continued use of the Site after an update constitutes acceptance of the revised policy.
11. Contact us
If you have questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us:
Lucid Brokers LLC
Email: support@lucidbrokers.com