Effective Date: July 10, 2026

Lucent Insurance Agency (“we,” “us,” or “our”) values your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your information across our website and services.

1. Information We Collect

We collect personal information that you choose to provide or that is generated automatically when you interact with our website:

• Voluntary Information: Through our contact and quote forms, we collect your name, email address, phone number, and any specific insurance or contextual details you include in your submission.
• Automated Device Information: We automatically collect standard online identifiers such as your IP address, browser type, device information, and website usage data through digital tracking tools.

2. Cookies and Tracking Technologies

We utilize cookies, web beacons, and similar tracking technologies to optimize website functionality and analyze traffic patterns.

• Your Choices: You can adjust your browser settings to refuse cookies or alert you when cookies are being sent.
• Global Privacy Control (GPC): Our website recognizes universal opt-out mechanisms and user-selected privacy preferences in compliance with updated state regulations.

3. How We Use Your Information

We process your personal information strictly for legitimate business and regulatory purposes:

• Inquiries & Quotes: To process your requests, communicate rates, and deliver information about our insurance products.
• Lead Follow-Up: To manage potential business opportunities and client accounts.
• Compliance & Marketing: To meet strict legal standards. We do not use your data for marketing campaigns or newsletters unless you explicitly opt-in. We do not sell or rent your personal information to third parties.

4. Data Sharing and Third Parties

We only share personal data with trusted third parties to support business operations:

• Service Providers: We partner with vendors for website hosting, secure data storage, and email infrastructure. They are restricted from using your data for any independent purpose.
• Insurance Carriers & Affiliates: As an agency, we transmit data to carriers to generate requested insurance policy underwriting quotes.
• Legal Demands: We will disclose data if mandated by law, court order, or regulatory authorities.

5. Federal and State Compliance Disclosures

Gramm-Leach-Bliley Act (GLBA) Notice

As a financial and insurance services provider, we comply with the GLBA Safeguards and Privacy Rules. We maintain rigorous physical, electronic, and procedural defenses to safeguard your nonpublic personal financial information.

Children’s Online Privacy Protection Act (COPPA)

Our services are directed exclusively to adults. In accordance with the Federal Trade Commission’s COPPA rules, we do not knowingly collect, share, or store personal information from children under the age of 13. If we discover any such data has been mistakenly gathered, it will be deleted immediately.

Multi-State Consumer Privacy Rights

Depending on your state of residence (including California, Texas, Virginia, Indiana, Kentucky, and others), you may possess specific statutory rights regarding your data:

• Right to Know/Access: Request details on the data categories we have collected.
• Right to Deletion: Request the removal of your personal information from our databases.
• Right to Correction: Instruct us to fix inaccurate or outdated details.
• Right to Opt-Out: Stop any potential profiling, targeted advertising, or data transfers.

6. Data Retention

We retain your contact and financial data only as long as necessary to fulfill the requested insurance services, settle accounts, or satisfy legal, state-specific insurance recordkeeping, and statutory retention obligations.

7. Security Measures

We use encrypted secure data transmission protocols and restricted-access storage systems to secure your records. Please note that no data platform or internet transmission is 100% secure, and we cannot guarantee absolute safety.

8. Changes to This Policy

We reserve the right to modify this policy at any time. Any changes will be posted directly to this page with an updated effective date.

9. Contact Us

To execute your consumer privacy rights, or to submit questions regarding our privacy standard, contact us at:

Lucent Insurance Agency
📧 Email: info@lucentinsuranceagency.com
📍 Mailing Address: 501 S Austin Ave Fl 2-98, Georgetown, TX 78626
📞 Phone: (512) 768-8282

---