Privacy Policy


Live Well Financial Inc: We Respect Your Privacy

At Live Well Financial, Inc., we understand the concern many people have about how their personal information is shared by companies providing them products and services. We are equally concerned about how your information is maintained and take many steps to safeguard the information you provide to us.

Our commitment is to provide you with a clear explanation of the steps we are taking to protect you and your information. As one of our valued customers, we know that you’ve placed a great deal of trust in us and we remain focused on ensuring that we keep that trust. Throughout this policy, we will refer to ourselves as Live Well Financial, also using the words “we,” “us,” and “ours.” Any reference to the words “you,” “your,” or “yours” mean our customers or former customers and other individuals who obtain or request a financial product or service from us.

Introduction
This Privacy Policy describes the kinds of information we collect, how we use that information and the limited circumstances under which we will share it.

Information Collection
We will collect information about you that we reasonably believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products, services and other opportunities we think will be of interest to you.

We may collect information from:

  • Applications and other forms you fill out and submit, such as your name, address, age, and home value
  • Your application history with us, including services provided through third parties, including appraisals, title searches, etc.
  • List vendors, membership lists, and public sources (i.e. census data)

If you do not wish to share personal information, do not submit a request for customized quotes.

With Respect to Cookies
We use cookies to record user-specific information on what pages users access or visit or to customize the Web site content based on visitors’ browser type or other information that the visitor sends.

A Customer for Life
All of our policies regarding the collection and sharing of information apply to:

  • Customers
  • Former Customers
  • Applicants

 Security Procedures to Protect Customer Information

Access to our systems containing nonpublic personal information is only provided to those employees and agents who we determine need it for the purpose of providing products or services to you. We maintain physical, electronic, and procedural safeguards that comply with the highest of standards to guard your nonpublic personal information.

Our employees are trained on all security procedures that ensure compliance with our policies for protecting your information.

Information Sharing With Unaffiliated Third Parties
Additionally we may share your name and personal information with carefully selected business partners that may be able to offer you products and services that you’ve indicated may be of interest to you. We may also disclose nonpublic personal information about you as permitted by law. At any time you can inform us of your decision to opt-out. Please see OPT-OUT OPTIONS below.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties.

Live Well Financial, Inc. may disclose personal information if required to do so by law or in the good faith belief that such action is necessary to (a) conform to the edicts of the law or comply with legal process served on Live Well Financial, Inc. or the Web site; (b) protect and defend the rights or property of Live Well Financial, Inc. and our Web site; or (c) act in urgent circumstances to protect the personal safety of Live Well Financial, Inc. employees or agents, users of Live Well Financial, Inc. products or services, or members of the public.

SPECIAL NOTICE FOR CALIFORNIA RESIDENTS
In order to comply with California law, if our records with respect to your account indicate a California address we will not disclose information that we have about you outside of our family of companies, unless otherwise permitted by law.

SPECIAL NOTICE FOR NORTH DAKOTA RESIDENTS
In order to comply with North Dakota law, if our records with respect to your account indicate a North Dakota address we will not disclose information that we have about you outside of our family of companies, unless otherwise permitted by law.

SPECIAL NOTICE FOR NEW MEXICO RESIDENTS
In order to comply with New Mexico law, if our records with respect to your account indicate a New Mexico address we will not disclose information that we have about you outside of our family of companies, unless otherwise permitted by law.

SPECIAL NOTICE FOR VERMONT RESIDENTS
In order to comply with Vermont law, if our records with respect to your account indicate a Vermont address we will not disclose nonpublic personal financial information about you to nonaffiliated third parties, other than permitted by law, unless you authorize us to make that disclosure. Your authorization must be in writing or, if you agree, in electronic form. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only share information about your name, contact information, and our own transactions and experiences with you.

Opt-Out Options
At any time, you may choose to tell us not to:

  • Disclose information about you outside our company, except we may disclosure information as required or permitted by law. Examples of required disclosures involve audits by federal regulators. Also, we permit the sharing of information when vendors or contractors are assisting us in maintaining your application or account information in our system.
  • Solicit you through mail, phone, or email for products and services that you have not originally requested or applied for and that are outside of our normal ongoing communications regarding the servicing or management of your existing accounts. For information about your rights, please contact us at the address or email address below.

How to Opt Out
If you wish to direct Live Well Financial, Inc. to stop sharing certain nonpublic personal information or cease marketing activities directed to you, you may send your instructions to the address or email address provided below. When you send your instructions to us, please provide the following information:

  • Your Name
  • Address
  • Last Four Digits of Your Social Security Number

If you have already conveyed your privacy preferences with us, there is no need to do so again.
You can do the following at any time by contacting us via email at the address provided below:

  • See what web-collected personal information we have about you, if any.
  • Change/correct any web-collected personal information we have about you.
  • Have us delete any web-collected personal information we have about you.
  • Express any concern you have about our use of your personal information.

We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers. We reserve the right to amend this Privacy Policy at any time.

Write:
Live Well Financial, Inc.
Attn: Compliance
1011 Boulder Springs Drive, Suite 420
Richmond, VA 23225

Or Email:
opt_out@livewellfinancial.com

Or Call:
Toll-Free (866)417-0646