Privacy Policy

Date Privacy Policy Last Reviewed/Revised: January 2023 

INTRODUCTION

LJR Holdings, Inc. (“LJRH”), on behalf of itself, its subsidiary Allied Managed Care, Inc. (“AMC”), and affiliate entities (collectively referred to hereafter as “Company” or “We”) respects your privacy and are committed to protecting your personal information through our compliance with this Privacy Policy.  

This Policy will inform you as to how we look after your personal information, your privacy rights, how the law protects you, and our practices for collecting, using, maintaining, protecting and disclosing your personal information when you visit our website, www.alliedmanagedcare.com (our “Website”), or transact with us (collectively, the Website and our services are referred to as the “Services”) 

Please read this Policy carefully to understand our policies and practices regarding your personal information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Services because we will not be able to perform the Services.

By accessing or using our Services, you agree to this Privacy Policy, and if you are under age 16, you have your parent or legal guardian’s permission to use our Services and your parent/legal guardian has agreed to this Privacy Policy.  

NOTICE OF COLLECTION

Under the California Consumer Privacy Act (“CCPA”) as amended, we must provide a particular notice when your Personal Information is collected (the “Notice at Collection”).  Capitalized terms not defined herein are given their meanings set forth in the CCPA, as amended. Our Notice of Collection is comprised of the following links:

• The categories of Personal Information that we may collect about you or from you:

• The purposes why we collect this Personal Information:

How We Use Personal Information

• Disclosures regarding the sharing of your Personal Information:

Disclosure of Personal Information (Disclosures Regarding Your Personal Information)

• Our Privacy Policy:

Privacy Policy

1. IMPORTANT INFORMATION

PURPOSE OF THIS PRIVACY POLICY

This Privacy Policy will inform you how the Company collects and processes your Personal Information through your use of the Services. This Policy applies to Personal Information we collect:

• Directly from you when you visit our Website or communicate with us or our representatives (whether electronically, by telephone or paper forms);
• From our Clients who contract with us to provide claims administrator services; and
• From our Services, including claim handling, loss adjustment, or similar processes such as claim forms, telephone calls, e-mails and other communication with us, as well as from third parties such as claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you.

CHANGES TO THE PRIVACY POLICY AND YOUR DUTY TO INFORM US OF CHANGES

The Company may change this Privacy Policy periodically in order to address new issues or to consider changes to our Website.  It is our policy to post any changes we make to our Privacy Policy on this page. If we make material changes to how we treat Personal Information, we will notify you through a notice on the Website home page or by sending an email to the email address you provided to us. Your continued use of our Services following the posting of changes constitutes your acceptance of such changes to our Privacy Policy.

It is important that the Personal Information, and importantly, the contact information we hold about you is accurate and current.  If you provide your e-mail address to us, you are responsible for ensuring we have a current e-mail address for you, and for periodically visiting our Website and this Privacy Policy to check for any changes. 

The date the Privacy Policy was last revised is identified at the top of this page.  Historic versions are archived and they can be obtained by contacting the Company.

2. THE PERSONAL INFORMATION WE COLLECT

We collect and use types of information which identify, relate to or is reasonably capable of being associated with a particular individual (“Personal Information”). In the preceding twelve (12) months, we have collected the following types of Personal Information:

We may also collect and use the following types of information:

• In certain cases, we may receive information about your trade union membership, religious beliefs, political opinions, family medical history or genetic information (for example, if you apply for insurance through a third-party marketing partner that is a trade, religious or political organization). In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud
• Location and identification of property insured (for example, property address, vehicle license plate or identification number);
• Travel arrangements including reservation numbers, destination and hotel details
• Policy details and claim numbers, details of policy coverage and cause of loss; and
• Prior accident or loss history, your status as director or partner or other ownership or management interest in an organization and other insurance policies you hold

Personal Information does not include publicly available information from government records, lawfully obtained, truthful information that is a matter of public concern, information that a business has a reasonable basis to believe is lawfully made available to the general public by the individual or from widely distributed media, information made available by the individual or a person to whom the individual has disclosed the information if they have not restricted the information to a specific audience, de-identified or aggregated information, or other information specifically exempted by California law (such as health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and other sector-specific privacy laws (including the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, and the Driver’s Privacy Protection Act of 1994).

3. HOW PERSONAL INFORMATION IS COLLECTED

In the past twelve months, we have used the following methods to collect this information from you and about you including:

• Direct interactions.  You may give us your Personal Information by filling in forms or by corresponding with us by mail, phone, e-mail or otherwise.  This includes Personal Information you provide when you:
• Use our Services 
• Request marketing be sent to you; 
• Fill out a form or contact our representatives; or
• Give us some feedback or report a problem with our Services.
• Automated technologies or interactions.  As you interact with our Services, we may automatically collect Personal Information about your equipment, browsing actions and patterns. Information collected automatically may include usage details, IP addresses and information collected through cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
• Third parties or publicly available sources.  We may receive Personal Information about you from various third parties and public sources as set out below:
• From our clients and business partners, such as through our Services, including claim handling, loss adjustment, or similar processes such as claim forms, telephone calls, e-mails and other communication with us, as well as from third parties such as claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you (as part of the “Services”).
• Web analytics providers.
• Advertising networks.
• Search information providers.

THIRD-PARTY USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES.

We do not use automated technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

The Services may include links (and advertisements) to third-party websites, plug-ins, and applications.  These third parties may use cookies or other tracking technologies to collect information about you when you use our Services. Clicking on those links or enabling those connections may allow third parties to collect or share data about you and about your online activities over time and across different websites and other online services.  They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.  We do not control these third-party websites or their privacy practices and are not responsible for their privacy statements/notices.  When you leave our Services (including the Website), we encourage you to read the privacy notice of every website you visit and application you use.

4. HOW WE USE PERSONAL INFORMATION

We may use information that we collect about you or that you provide to us, including your Personal Information for the following business purposes:

• To fulfill or meet the reason you or your employer provided the information.
• Communicate with you and other interested parties to manage your claim.
• To create, maintain, customize, and secure your account with us.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• Send you important information regarding your claim and other administrative information.
• Make decisions about claim assessment, processing and settlement.
• Manage claim disputes, where applicable.
• To provide you with updates and marketing communications about products, services and offers that may be relevant to you.
• Manage our business operations to comply with internal policies and procedures, including those relating to auditing finance, accounting and billing, IT systems, data and website hosting, business continuity, document and print management.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• Prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• Conduct satisfaction surveys.
• Resolve complaints, and handle requests for data access or correction.
• Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering and comply with legal process and respond to requests from public and government authorities (including those outside your country of residence).
• To provide, support, personalize, improve and develop our Website, Services, and products.
• To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets and business.
• Tailor your experience at our Website, and to compile and display content and information that we think you might be interested in and to display content according to such preferences, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
• To provide you with updates and marketing communications about products, services and offers that may be relevant to you.
• To enable us to display advertisements to our advertisers’ target audiences.  
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Company about our Website/Services users is among the assets transferred.
• As described to you when collecting your Personal Information.

We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

5. DISCLOSURES REGARDING YOUR PERSONAL INFORMATION

Disclosure of Personal Information. The Company will not disclose Personal Information to third parties that are not affiliated with the Company or providing Services to you without your prior consent, except as may be permitted or required by law, such as a court-ordered subpoena, search warrant, or other court order; or required by exigent circumstances. 

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

In the preceding twelve (12) months, we have disclosed the categories of Personal Information that we collect and use (as identified above) to the following categories of Service Providers, Contractors, and other affiliates for the purposes of claim assessment and processing or as required by law:

• Other Insurance Parties, such as reinsurance brokers, appointed representatives, distributors, financial institutions, securities firms and other business partners.

• Service Providers, such as external third-party service providers (including, medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical assistance providers); IT systems, support and hosting service providers; document and records management providers and outsourced service providers that assist us in carrying out business activities; and banks and financial institutions that service our accounts, third-party claim administrators, claim investigators, construction consultants, engineers, examiners, jury consultants, translators and similar third-party vendors.

• Authorities and Related Parties Involved in Legal Action, such as government or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate:

• • to comply with applicable law and regulations, including those outside your country of residence;
  • to comply with legal process;
  • to respond to requests from public and government authorities including public and government authorities outside your country of residence;
  • to protect our operations or those of any of our group companies;
  • to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; and
  • to allow us to pursue available remedies or limit our damages.

• Other Third Parties, such as emergency providers (fire, police and medical emergency services); retailers; medical organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business. To check information provided, and to detect and prevent fraudulent claims, Personal Information (including details of injuries) may be put on registers of claims and shared with other insurers. We may search these registers when dealing with claims to detect, prevent and investigate fraud.

Sale of Personal Information. We do not, and do not intend to, Sell your Personal Information or Share any Personal Information for cross-context behavioral advertising. The Company does not Sell (or Share for cross-context behavioral advertising) any categories of Personal Information to any Third Party, and the Company has not Sold (or Shared for cross-context behavioral advertising) any Personal Information in the preceding twelve (12) months.

6. CHILDREN AND PRIVACY

Our Website and Services are not intended for children under the age of 16 and we do not knowingly collect, use, disclose or sell Personal Information from children under age 16. If you know or suspect that your child has submitted Personal Information to us and you would like to request that such information be removed, you may do so by contacting us at the address listed below in the Contact Information section.

7. INTERNATIONAL TRANSFER

If you are located in a province, country, or other government jurisdiction outside of the United States, and if you choose to provide your Personal Information to the Company through our Services, please be aware that your personal information will be transferred to and maintained on computers located in the United States and the applicable US privacy laws may not be as protective as those in your jurisdiction.  

8. DATA SECURITY

We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration and disclosure.  We also limit access to Personal Information to those employees, agents, contractors, and other third parties who have a business need to know.  These individuals will only process your Personal Information on our instructions, use it only for the purposes for which we disclose it to them, and they are contractually bound to a duty of confidentiality.

We will take all appropriate reasonable technical, legal and organizational measures, which are consistent with applicable privacy and data security laws to safeguard your Personal Information.  Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure.  Although we do our best to protect your Personal Information, we cannot guarantee the security of the data transmitted to or through our Services. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Services. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any personal data you might have with us has been compromised), please immediately notify us.

Where we provide Personal Information to an external party, the party will be selected carefully and required to use appropriate measures to protect the confidentiality and security of your Personal Information.

9. DATA RETENTION

It is not possible for you to delete your profile from our database, nor is it feasible to delete all traces of your activity in the system. We will retain Personal Information for the period necessary to fulfill the business purpose(s) for which the information was provided unless a longer retention period is required or permitted by law, including for the purposes of satisfying any legal, accounting, or reporting requirements.  In some circumstances we may anonymize your Personal Information so that it can no longer be associated with you for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

10. YOUR CONSUMER RIGHTS UNDER CALIFORNIA LAW (effective January 1, 2020)

Consumer Requests: Your Rights and Choices About Personal Information Under California Law

This section describes your rights and how to exercise those rights by submitting a consumer request (“Consumer Request”).  In some instances, where we are acting as a “service provider,” we may direct consumer requests to the business who holds your Personal Information. Please note, we will seek to verify your identity when we receive an individual rights request from you in order to ensure the security of your Personal Information.

• Access to Specific Information and Data Portability Rights

You have the right to request that the Company disclose certain or all of the following information to you about our collection and use of your Personal Information over the past twelve (12) months.  Once we receive a verifiable Consumer Request, we will be able to disclose to you the specific pieces of Personal Information we collected about you (also may be called a data portability request).

• Deletion Request Rights

You have the right to request that we delete any or all of your Personal Information that we collected from and about you, subject to certain statutory exceptions.  Once we receive a verifiable Consumer Request, we will identify the Personal Information, confirm that you want that Personal Information deleted, and then delete (and notify our service providers to delete) your Personal Information from our records, unless an exception applies.

• Right to Correct

You have the right to request inaccurate Personal Information be corrected.

• Right to Restrict Sensitive Personal Information Processing

You have the right to restrict how your Sensitive Personal Information is used and disclosed, subject to certain uses permitted by California law (such as, the use necessary for the performance of services, use to ensure security and integrity).

• Non-Discrimination

We will not discriminate against you for exercising any of your legal rights regarding your Personal Information, unless permitted by law.  We will not take any of the following actions solely because you chose to exercise any of your legal rights regarding your Personal Information:

• • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits or imposing penalties.
  • Provide you a different level or qualify of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

• Disclosures for Direct Marketing

California Civil Code Section § 1798.83 permits users of our Services that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please e-mail us at the address listed in the Contact Information section below. 

How to Submit a Consumer Request

To exercise your rights, please submit a Consumer Request to the contact information below.  The Consumer Request must describe the request with sufficient detail that allows us to properly understand, evaluate and respond to it.  Please specify if your Consumer Request pertains to all specific pieces of your Personal Information, or only with respect to the categories of Personal Information.  You may only make a Consumer Request for access or data portability twice within a twelve (12) month period.  

How We Will Verify Consumer Requests

Only you, or a person or entity that you authorize to act on your behalf, may make a Consumer Request related to your Personal Information.  To designate an authorized agent, we will ask you provide us with legal documentation (such as power of attorney documentation) or written permission and the agent will need to verify their own identity with us.

We reserve the right to require you to provide additional information to enable us to reasonably verify that you are the person about whom the Personal Information pertains in order to release the requested information to you (or your authorized representative).  If you have an account with us, you will be asked to use the standard authentication procedures to access your account.  If you do not have an account with us, you will be asked to verify certain pieces of your Personal Information.  If we are unable to verify your identity, we may be unable to provide you with information responsive to the request.

How We Will Respond to Consumer Requests

We endeavor to respond to verifiable Consumer Requests within forty-five (45) days after receipt. If we require more time (up to 45 days) we will inform you of the reason and extension in writing.  If you have an account with us, we will deliver our written response(s) to that account.  If you do not have an account with us, we will deliver our written response(s) by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding receipt of the Consumer Request.  If we deny (or cannot comply with) the Consumer Request, we will explain why.  For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity.  We do not charge a fee to process or respond to your Consumer Request unless such request is excessive, repetitive, or manifestly unfounded.  If we determine that the request warrants a fee, we will tell you why and provide you with a cost estimate before completing your request.

11. ACCESSIBILITY

Individuals who would like to request a copy of the privacy policy in an accessible format should contact us via one of the methods below.

12. CONTACT FOR GENERAL INQUIRIES, CONSUMER REQUESTS, AND REQUESTS TO CHANGE INFORMATION

If you provided us with Personal Information and would like to exercise your rights or request changes to your information, please contact us in one of the following methods. 

E-mail: lhunt@ljrholdingsinc.com

Telephone: (800) 444-6157

Mail:  P.O. Box 269120

          Sacramento, CA 95826

Attn:  Larry Hunt, Senior Vice President Corporate Affairs