Privacy Policy

1. Information We Collect

We collect the following types of information:

• Personal identification information (Name, email address, phone number)
• Vehicle information (Make, model, year, VIN)
• Payment information
• Social Security number and income (for financing)
• Account balances and payment history
• Credit history and employment information
• Usage data and preferences

We collect your personal information, for example, when you:

• Apply for financing
• Give us your income information or provide employment information
• Provide account information or give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

2. How We Use Your Information

Your information is used for:

• Processing warranty claims
• Communicating about your coverage
• Sending service reminders and updates
• Processing your transactions and maintaining your account(s)
• Responding to court orders and legal investigations
• Reporting to credit bureaus
• Marketing our products and services to you
• Improving our services
• Legal compliance

3. Information Sharing

We share your information only with service providers necessary to deliver our warranty services, including authorized repair facilities and claims processors. We do not sell your personal information to third parties.

4. Data Security

To protect your personal information from unauthorized access and use, we implement appropriate security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

5. SMS Communications

If you opt-in to SMS notifications, we will send you messages related to your warranty service. You can opt-out at any time by replying STOP to our messages.

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Opt-out of marketing communications

Why can't I limit all sharing?

Federal law gives you the right to limit only:

• Sharing for affiliates' everyday business purposes – information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

7. Definitions

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us so that we can delete the information. If we learn that we have collected personal information from a child under age 18, we will take steps to delete that information as quickly as possible.

9. Cookie Policy

We use cookies and similar tracking technologies to track activity on our website and to hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

We use the following types of cookies:

• Essential cookies: Necessary for the website to function and cannot be switched off.
• Analytical/performance cookies: Allow us to recognize and count visitors and see how visitors move around our website.
• Functionality cookies: Enable us to personalize your experience.
• Targeting cookies: Record your visit to our website, the pages you have visited, and the links you have followed.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

10. California Privacy Rights

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):

• The right to know what personal information we collect about you
• The right to request deletion of your personal information
• The right to opt-out of the sale of your personal information (Note: LUX GUARD does not sell personal information)
• The right to non-discrimination for exercising your CCPA rights

To exercise these rights, please contact us using the information in the "Contact Us" section.

11. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies. For warranty services, we typically retain customer information for the duration of the warranty coverage plus any additional period required by applicable laws for warranty claims, financial record-keeping, or legal compliance.

12. Third-Party Links

Our website and services may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

13. Breach Notification

In the event of a data breach that compromises your personal information, we will notify you and the appropriate authorities as required by law. We will provide information about the breach, what data was compromised, and steps we are taking to address the breach and protect your information going forward.

14. Contact Us

For any privacy-related questions or concerns, please contact our Privacy Officer at info@lux-guard.com.

15. Updates to This Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the effective date.

Effective Date: January 1, 2024