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LIGHTHOUSE LEGAL PRIVACY POLICY

Effective date March 2010

At LightHouse Legal Finance, we realize, in order to provide the best service, we need to earn your trust. When dealing with your finances and personal information, we must protect your privacy rights.  In order to show our dedication to that protection, we’ve drafted a privacy policy.

Furthermore, we comply with both federal and state laws which require financial services companies to notify you, our valued customers, about how we intend to treat your personal information that you have entrusted with us.

We value transparency at LightHouse legal. We want you to be fully aware of what information we collect, how it is handled, with whom the information may be shared, and your “opt out” rights.

I. PERSONAL INFORMATION

In order to provide the highest quality of service, LightHouse Legal Finance must collect certain personal financial, legal, and medical information regarding current and potential customers. You, your attorney, or third parties can provide this information to us on applications and other forms, by phone, fax, the Internet, or other delivery services. This information may include, but is not limited to, name, address, e-mail address, telephone number(s), date of birth, employment and income information, specific medical information pertaining to your personal injury, specific case details and claims information, witness statements and police reports.

II. LIGHTHOUSE LEGAL FINANCE’S COLLECTION AND USE OF INFORMATION

All personal information collected by LightHouse Legal Finance is handled by LightHouse Legal Finance in accordance with this privacy statement. Whether you or your attorney speaks to a LightHouse Legal Finance representative or you inquire about or complete an application for one or more of our products or services online (or begin the inquiry or application process, whether you complete the process or not).

LightHouse Legal Finance uses personal information for the following reasons: the stated purpose for which such information is gathered; marketing analysis and sales planning purposes; servicing and collection purposes; legal, financial, accounting and tax record keeping; other business purposes associated with its services; to manage its business; and to comply with requirements imposed by governmental authorities. LightHouse Legal Finance discloses personal information to certain service providers that are contractually obligated to keep the information we provide them confidential and to use the personal information we share only to provide the services we ask them to perform.

In order to offer a service that continues to benefit our current and potential customers, LightHouse Legal Finance may provide non-public information about our customers to affiliated and unaffiliated companies. This information may include a person’s name, address, e-mail address, and phone number(s). At no time will we disclose any medical, legal or transactional information for these purposes. If any company other than LightHouse Legal Finance collects or maintains information, including additional information collected by such company, it will be governed by that other company’s privacy policy.

III. LIGHTHOUSE LEGAL FINANCE’S INFORMATION SECURITY

LightHouse Legal Finance utilizes physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your personal information, securing it from unauthorized access, use and disclosure. To this end, we use industry-standard methods such as firewalls, encryption and system access controls. Furthermore, our security practices are regularly reviewed against industry-leading practices by internal staff and independent third parties.

All personal information that LightHouse Legal Finance collects is accessible by LightHouse Legal Finance employees and contractors and, to the extent, required for the tax, accounting, legal and other professionals hired by LightHouse Legal Finance for business purposes only and to fulfill their fiduciary or representative duty. All such professionals are bound to maintain the confidentiality of information supplied to them by contractual and/or ethical obligations.

IV. DISCLOSURES

LightHouse Legal Finance will not disclose your personal information to a third party unless (i) disclosure is necessary to render services or to perform related business activities expressed in this privacy policy; (ii) disclosure is required in response to a request for specific customer information to comply with a subpoena, court order, and/or other legal instrument, legal proceeding or relevant law, including compliance with the USA Patriot Act; or (iii) as otherwise permitted by law.

A. Third-Party Advertisers and Links to Other Websites

Our site may include third-party advertising and links to other websites. However, we do not provide any personally identifiable customer information to these advertisers or third-party websites.

These third-party websites and advertisers, or companies working on their behalf, sometimes use technology to send (or “serve”) the advertisements that appear on our website directly to your browser. When this happens, they automatically receive your IP address. They may also use cookies, JavaScript, web beacons, and other technologies to measure the effectiveness of their ads and to personalize advertising content. We do not have access to or control over cookies or other features they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Notice. For more information about their privacy practices, please contact them directly. Additionally, the Network Advertising Initiative offers useful information about Internet advertising companies (also called “ad networks” or “network advertisers”), including information about how to opt-out of their information collection.

B. Internet Technology

Like many sites, our website may employ cookies and web beacons (also known as clear GIF technology or “action tags”) to speed your navigation, allow you to change web pages during your visit without having to re-enter your information, and track your usage.

1. Cookies are small pieces of information that your Internet browser stores as text files on your computer’s hard drive. Most browsers are initially set to accept cookies. You can set your browser to refuse cookies from websites or to remove cookies from your hard drive. THIS SITE’S COOKIES DO NOT AND CANNOT INFITRATE A USER’S HARD DRIVE TO GATHER A USER’S CONFIDENTIAL INFORMATION. Our cookies are not “spyware.”

2. Web beacons deliver cookies and help us determine whether a web page on this site has been viewed and, if so, how many times.

We may use third-party advertising companies to help tailor content to users or to serve ads on our behalf. These companies may employ cookies and web beacons to measure advertising effectiveness (such as which pages are visited or what products are purchased and in what amount). Any information collected by these third parties via cookies and web beacons is not linked to any personal information collected by us.

V. “OPT-OUT” PROVISION

LightHouse Legal Finance offers any customer the opportunity to “opt-out” of receiving future offers from LightHouse or from affiliated and unaffiliated companies. You can send an email to optout@LightHouselegal.com to remove your information from our database so as not to receive future advertising communications. Or you can send a written correspondence to the same effect to:

Opt-Out
LightHouse Legal Finance, LLC
888 Town Center Drive
Langhorne, Pa 19047

Toll Free: 1-800-767-2274
Fax: 1-267-569-7077

 

Please note that it may take up to 30 days from the date of receipt of notification for your request to become active. In your “opt-out” instructions, please include your name, address, phone number, and attorney’s name that is handling or handled your case so that we can accurately remove your record.

A. California: In accordance with California law, LightHouse Legal Finance will automatically opt out California residents from sharing with unaffiliated companies and will not share information we collect about California residents with unaffiliated companies except as permitted by law, such as with the consent of the customer or to service the customer’s accounts. We will limit sharing with affiliates to the extent required by applicable California law.

B. Vermont: In accordance with Vermont law, LightHouse Legal Finance will automatically opt out Vermont residents from sharing with unaffiliated companies and will not share information we collect about Vermont residents with unaffiliated companies except as permitted by law, such as with the consent of the customer, to service the customer’s accounts or to other financial institutions with which we have joint marketing agreements. We will not share application information, consumer report information and information from outside sources about Vermont residents with affiliated companies except with the authorization or consent of the Vermont resident.

VI. REVISION OF THIS POLICY

LightHouse Legal Finance reserves the right to revise this Privacy Policy from time to time. We will inform you of any changes as required by law. Amendments to this policy will be effective when posted to our website at www.LightHouselegal.com.