JLM Privacy Policy (odt)
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JLM Dealer Insurance Services LLC Privacy Policy
Privacy Policy
Effective Date: February 2, 2023
Last Updated: November 10, 2025
JLM Dealer Insurance Services LLC (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information of our customers, applicants, agents, employees, and business partners. This Privacy Policy describes how we collect, use, disclose, and protect your information when you apply for, purchase, or use our general liability, garage liability, insurance products, bonds and related services.
1. Information We Collect
We may collect the following types of information about you:
a. Personal Information
Name, address, phone number, email address
Date of birth, driver’s license number, and Social Security number
Vehicle identification numbers (VINs)
Employment and business ownership information
Insurance history and claim information
b. Financial Information
Bank account and payment information
Credit history and credit-based insurance scores
c. Policy and Claims Information
Policy numbers, coverage limits, and premiums
Accident reports, photos, and repair estimates
Witness statements and adjuster notes
d. Website and Online Data
When you visit our website or use our online services, we may automatically collect:
IP address and browser type
Device identifiers and operating system
Usage patterns and cookie information
2. How We Use Your Information
We use your information to:
Process applications and underwrite policies
Service your insurance policy and manage renewals
Handle and investigate claims
Prevent fraud and verify identity
Communicate with you regarding your coverage
Comply with legal and regulatory requirements
Improve our products, website, and customer service
3. How We Share Your Information
We do not sell your personal information. We may share it only as permitted or required by law, including with:
Affiliates – for insurance operations and servicing
Service Providers and Vendors – who assist with billing, claims, marketing, and data processing
Regulatory and Law Enforcement Agencies – as required by law or court order
Business Partners – such as agents, adjusters, re-insurers, and financial institutions
Other Parties – in connection with mergers, acquisitions, or asset transfers
All third parties with whom we share information are required to protect it and use it only for authorized purposes.
4. Data Security
We maintain physical, electronic, and procedural safeguards to protect your information from unauthorized access, use, or disclosure. These include encryption, access controls, and employee training. While we strive to protect your data, no system can be guaranteed to be completely secure.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements.
6. Your Rights and Choices
Depending on your state of residence, you may have rights to:
Access, correct, or delete personal information we hold about you
Opt out of certain data sharing or marketing communications
Request a copy of your data in a portable format
To exercise these rights, please contact us using the details below.
7. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to improve functionality, analyze site traffic, and personalize your experience. You can modify your browser settings to decline cookies, but this may limit some site functionality.
8. Children’s Privacy
Our services are not directed to individuals under the age of 21. We do not knowingly collect personal information from persons under the age of 21 or from children.
9. Updates to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Updates will be posted on our website with a new effective date.
10. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
JLM Dealer Insurance Services LLC
Attention: Privacy Officer
Address: P.O. Box 1566
Camarillo, CA 93011
Phone: (805) 412-0234
Email: Michele@JLMDealerInsurance.com
Website: www.JLMDealerInsurance.com
Privacy Policy for California Residents
Effective Date: February 2, 2023
Last Updated: November 10, 2025
JLM Dealer Insurance Services LLC (“we,” “us,” or “our”) values your trust and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in compliance with the California Consumer Privacy Act (CCPA/CPRA) and applicable insurance privacy laws, including the Gramm-Leach-Bliley Act (GLBA).
This Policy applies to individuals who are residents of California and who apply for, obtain, or inquire about our garage liability insurance or related services.
1. Information We Collect
We collect personal information to provide insurance services, process claims, and comply with state and federal laws. Below are the categories of personal information we may collect, along with examples:
Category
Examples
Purpose of Collection
Identifiers
Name, address, phone number, email, date of birth, driver’s license, Social Security number
Application processing, identity verification, policy servicing
Commercial Information
Policy number, coverage type, payment history, claims data
Underwriting, billing, and claims management
Financial Information
Bank account details, credit information
Premium payments, underwriting
Professional or Employment Information
Business ownership, employer, job title
Determining eligibility for garage liability coverage
Internet/Technical Data
IP address, browser type, device ID, cookies
Website analytics, fraud detection
Audio/Visual Information
Recorded calls, surveillance photos, claim photos
Customer service, claim documentation
Sensitive Personal Information
Driver’s license, Social Security number
Identity verification, fraud prevention
We do not collect or process biometric, genetic, or health information unless directly relevant to a claim or required by law.
2. Sources of Information
We collect personal information from:
You or your authorized representatives
Insurance agents, brokers, and adjusters
Credit reporting agencies and public records
Government entities (e.g., DMV, law enforcement)
Website interactions and cookies
3. How We Use Your Information
We use your information to:
Underwrite, issue, and service your garage liability insurance policy
Process premium payments and claims
Communicate with you about your policy
Detect and prevent fraud or unauthorized access
Comply with legal and regulatory requirements
Improve our website, products, and services
4. How We Share Your Information
We do not sell or share your personal information for monetary consideration.
We may disclose your information only as allowed by law, including to:
Service Providers and Contractors – to assist with underwriting, billing, and claims processing
Affiliated Companies – for administrative and compliance purposes
Regulators, Auditors, or Law Enforcement – when required by law
Re-insurers or Business Partners – to manage risk and fulfill contractual obligations
Each third party is required to protect your information and use it only for authorized business purposes.
5. Your Privacy Rights Under California Law
As a California resident, you have the following rights under the CCPA/CPRA, subject to legal and insurance-specific exemptions:
a. Right to Know
You have the right to request details about:
The categories and specific pieces of personal information we have collected about you
The categories of sources from which the information was collected
The purposes for which it was collected or disclosed
The categories of third parties to whom we disclosed it
b. Right to Delete
You may request that we delete your personal information, except when it must be retained to:
Service or manage an active policy or claim
Comply with legal or regulatory requirements
Detect security incidents or fraud
c. Right to Correct
You may request correction of inaccurate information we maintain about you.
d. Right to Opt-Out of Sale or Sharing
We do not sell or share your personal information for cross-context behavioral advertising.
e. Right to Limit Use of Sensitive Personal Information
You may request that we limit our use of sensitive personal information to what is reasonably necessary to provide our services.
f. Right to Non-Discrimination
We will not deny goods or services, charge different prices, or provide a different level of service if you exercise your privacy rights.
6. Submitting a Privacy Request
To exercise your rights under the CCPA, you may contact us at:
JLM Dealer Insurance Services LLC
Attention: Privacy Officer
Address: P.O. Box 1566
Camarillo, CA 93011
Phone: (805) 412-0234
Email: Michele@JLMDealerInsurance.com
Website: www.JLMDealerInsurance.com
When you submit a request, we will verify your identity using information you provide. You may authorize an agent to make a request on your behalf if they provide proof of authorization.
7. Data Security
We use reasonable physical, technical, and administrative safeguards to protect your personal information from unauthorized access, use, or disclosure. Despite our efforts, no system is entirely secure, and you share information at your own risk.
8. Data Retention
We retain personal information only as long as necessary to fulfill the purposes described in this Policy or as required by law, regulation, or contractual obligations.
9. Children’s Privacy
We do not knowingly collect or maintain personal information from anyone under 21 years of age.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will post the updated version on our website with a revised “Last Updated” date.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
JLM Dealer Insurance Services LLC
Attention: Privacy Officer
Address: P.O. Box 1566
Camarillo, CA 93011
Phone: (805) 412-0234
Email: Michele@JLMDealerInsurance.com
Website: www.JLMDealerInsurance.com
Notice at Collection of Personal Information
Effective Date: February 2, 2023
JLM Dealer Insurance Services LLC (“we,” “us,” or “our”) collects personal information from you to provide garage liability insurance and related services. Below is a summary of the categories of personal information we collect, the purposes for which we use it, and a reference to your privacy rights under California law.
Categories of Personal Information We Collect
Category
Examples
Business Purpose for Collection
Retention Period
Identifiers
Name, address, phone number, email, date of birth, driver’s license, Social Security number
To verify identity, underwrite policies, process claims, and communicate with you
Retained as long as required for active policy or legal compliance
Commercial Information
Policy details, claim records, payment history
To manage your insurance coverage, billing, and claims
Retained for policy duration + statutory recordkeeping period
Financial Information
Bank account details, payment method, credit information
To process payments and evaluate financial risk
Same as above
Professional/Employment Information
Business ownership, employer, occupation
To assess eligibility for garage liability coverage
Same as above
Internet or Technical Data
IP address, browser type, device ID, cookies
To provide secure online services and improve website performance
Typically 12–24 months
Audio/Visual Information
Recorded calls, claim photos
For customer service quality and claim documentation
Same as above
Sensitive Personal Information
Driver’s license, Social Security number
For identity verification and fraud prevention
Same as above
We do not sell or share your personal information for monetary gain or cross-context behavioral advertising.
Use of Personal Information
We use your personal information for the following business purposes:
Providing, servicing, and renewing insurance policies
Processing and investigating claims
Detecting and preventing fraud or unauthorized access
Maintaining legal and regulatory compliance
Communicating with customers and agents
Conducting internal analytics and improving services
Your Rights Under California Law
As a California resident, you have the right to:
Know what personal information we collect and how it’s used
Request deletion or correction of personal information (subject to legal exceptions)
Opt out of any sale or sharing of personal data (we do not sell or share data)
Limit the use of sensitive personal information
Be free from discrimination for exercising your privacy rights
For more details about your rights and how to exercise them, please see our full [Privacy Policy] or contact us at:
JLM Dealer Insurance Services LLC
Attention: Privacy Officer
Address: P.O. Box 1566
Camarillo, CA 93011
Phone: (805) 412-0234
Email: Michele@JLMDealerInsurance.com
Website: www.JLMDealerInsurance.com
Additional Disclosures
We may collect personal information under exemptions that apply to financial institutions and insurance companies under the Gramm-Leach-Bliley Act (GLBA). In such cases, those data practices are governed by our GLBA Privacy Notice and not by the CCPA.
By submitting your information, you acknowledge that you have received and reviewed this Notice at Collection.
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