1. Introduction

Livermore Group LLC (“we,” “our,” or “us”) is an insurance brokerage firm committed to protecting the privacy and security of personal information entrusted to us by our clients, prospective clients, and website visitors. This Privacy Policy describes the types of information we collect, how we use and protect that information, the circumstances under which we may share it, and your rights concerning your personal data.
We are a “financial institution” as defined under the Gramm-Leach-Bliley Act (“GLBA”), 15 U.S.C. §§ 6801–6809, and we comply with applicable federal and state privacy laws governing the collection, use, and disclosure of nonpublic personal information (“NPI”). Where we handle protected health information (“PHI”) as a business associate under the Health Insurance Portability and Accountability Act (“HIPAA”), we comply with applicable HIPAA requirements as set forth in our Business Associate Agreements.

2. Information We Collect

2.1 Nonpublic Personal Information (NPI)

In the course of providing insurance brokerage services, we may collect the following categories of NPI:

• Full name, date of birth, Social Security number, and government-issued identification numbers
• Contact information, including mailing address, email address, and telephone number
• Financial information, including income, assets, employment history, and credit information
• Insurance policy and claims history
• Health and medical information, when necessary for underwriting or claims processing
• Beneficiary and dependent information

2.2 Information Collected Automatically

When you visit our website, we may automatically collect technical information including your IP address, browser type, operating system, referring URLs, pages viewed, and the dates and times of visits. We may use cookies, web beacons, and similar tracking technologies to facilitate website functionality, analyze usage trends, and improve the user experience.

2.3 Information from Third Parties

We may receive information about you from insurance carriers, underwriters, consumer reporting agencies, medical information bureaus, motor vehicle departments, and other third-party sources, to the extent permitted by law, for purposes of evaluating insurance applications, processing claims, or detecting fraud.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate insurance applications and obtain quotes from carriers on your behalf
• To bind, service, and administer insurance policies
• To process and assist with insurance claims
• To comply with legal and regulatory requirements
• To detect, prevent, and investigate fraud or other illegal activity
• To communicate with you regarding your policies, renewals, and related services
• To improve our services, website functionality, and business operations

4. Disclosure of Information

4.1 Disclosures Permitted Without Opt-Out

We may disclose NPI without providing you the opportunity to opt out in the following circumstances, as permitted under the GLBA and applicable state law:

• To insurance carriers, underwriters, and reinsurers as necessary to place, service, or administer your insurance coverage
• To service providers and contractors who perform functions on our behalf, subject to contractual obligations to protect the confidentiality of your information
• As required by law, regulation, subpoena, court order, or other legal process
• To law enforcement agencies or regulatory authorities as required or permitted by law
• To protect against or prevent fraud, unauthorized transactions, or other liability
• In connection with the sale, merger, or reorganization of all or a portion of our business

4.2 Disclosures Requiring Opt-Out

We do not sell your personal information. We do not share NPI with nonaffiliated third parties for their own marketing purposes unless we first provide you with notice and a reasonable opportunity to opt out. If we ever propose to make such disclosures, we will notify you and provide opt-out instructions before doing so.

4.3 Account Numbers and Policy Numbers

We do not disclose your account numbers or policy numbers to nonaffiliated third parties for marketing purposes.

5. Protection of Information

We maintain administrative, technical, and physical safeguards designed to protect the security and confidentiality of your NPI and to guard against anticipated threats, hazards, and unauthorized access. These safeguards include, but are not limited to:

• Encryption of sensitive data in transit and at rest
• Access controls that restrict information access to authorized personnel on a need-to-know basis
• Employee training on privacy and information security practices
• Regular assessment and updating of security measures to address emerging threats
• Incident response procedures for the timely investigation and notification of data breaches

No system is perfectly secure, and we cannot guarantee the absolute security of your information. However, we are committed to implementing reasonable safeguards consistent with industry standards and legal requirements.

6. Health Information and HIPAA Compliance

To the extent we receive, create, maintain, or transmit protected health information (“PHI”) on behalf of a HIPAA-covered health plan, we function as a Business Associate under HIPAA. Our obligations with respect to PHI are governed by the terms of our Business Associate Agreements with the applicable covered entities. We use and disclose PHI only as permitted or required by those agreements, HIPAA, and applicable state law.

7. State-Specific Privacy Rights

7.1 California Residents

If you are a California resident, you may have rights under the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), to the extent your personal information is not otherwise subject to the Insurance Information and Privacy Protection Act (California Insurance Code §§ 791–791.27). Where the CCPA applies, you have the right to know, access, correct, and delete your personal information, and to opt out of any sale or sharing of personal information for cross-context behavioral advertising. We do not sell personal information. To exercise your rights, please contact us using the information in Section 11 below.

7.2 Residents of Other States

Residents of states with comprehensive consumer privacy laws—including but not limited to Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Indiana, Kentucky, and Rhode Island—may have similar rights to access, correct, delete, and port their personal data, and to opt out of targeted advertising, profiling, and sales. We will honor verified requests consistent with applicable law. Please contact us to exercise your rights.

8. Cookies and Online Tracking

Our website may use cookies and similar technologies for session management, analytics, and functionality. You may control cookies through your browser settings or by declining non-essential cookies when prompted. We honor recognized opt-out preference signals, including the Global Privacy Control (“GPC”), as required by applicable law.

We do not respond to generic “Do Not Track” browser signals, as no uniform standard for compliance currently exists. However, where a state law requires us to honor such signals, we will comply.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Retention periods may vary based on the type of information, the nature of the insurance product, and applicable statutes of limitation and regulatory retention requirements. When personal information is no longer required, we will securely dispose of it in accordance with our data retention and destruction policies.

10. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected personal information from a child, we will take steps to delete that information promptly.

11. Contact Information

If you have questions about this Privacy Policy, wish to exercise any of your privacy rights, or need to report a concern regarding the handling of your personal information, please contact us at:
Livermore Group LLC
Columbus, OH
Email: info@livermoregroup.net
Phone: +1 614-327-0344

12. Changes to This Privacy Policy

We reserve the right to amend this Privacy Policy at any time. When we make material changes, we will post the revised policy on our website with an updated effective date. If required by law, we will provide you with direct notice of material changes. Your continued use of our services after the effective date of any amendment constitutes your acknowledgment of the revised Privacy Policy.