Our Privacy Policy

At The Latham Insurance Group, we understand that protecting your privacy is an important responsibility. We are committed to handling your personal information with care and transparency. Please review the following privacy notices that apply to you:

• Visitors to our websites or mobile applications:
  Please review our Internet and Mobile Application Privacy Notice to understand how we collect, use, and protect your information online. 
• Customers, former customers, and individuals seeking to become customers:
  Please review our Gramm-Leach-Bliley Privacy Notice to learn how we manage your personal financial information. 
• Customers and former customers with products covering medical expenses:
  Please review our HIPAA Notice of Privacy Practices for information about how we safeguard your protected health information. 
• Residents of California:
  Please review our Supplemental Privacy Notice for California Residents to understand your rights under California privacy laws. 

We want everyone to be able to easily access and understand these documents. If you are unable to read or comprehend any of the information provided, please contact us at (270) 543-4557, and we will arrange an alternative method to communicate this information to you.

Please note: Our websites and services are intended for use by adults only. We do not knowingly allow minors to register for services, purchase products, or access areas that require registration.

Internet and Mobile Application Privacy Notice

At The Latham Insurance Group, your privacy matters to us. This notice explains how we collect, use, and protect information through our websites and mobile applications. We reserve the right to update this notice at any time. If updates are made, we will post the revised version at Lathaminsurancegroup/privacy-policy.

By using our websites or mobile applications, you acknowledge that you understand and agree to the collection, use, and sharing of your information as described in this notice.

Information We Collect

We collect and maintain information about you to provide the insurance coverage, products, and services you request. We also use this information to maintain and improve your accounts, protect your data, develop new offerings, and deliver a better customer experience.

Some personal information is collected when you voluntarily provide it—such as when accessing your policy, applying for products, or contacting us with questions. Other information may be collected automatically through cookies, analytics tools, or your use of our sites and apps.

Examples of the types of information we may collect include:

• Demographic Information:
  Name, address, date of birth, marital status, Social Security number, income details, and other financial information. If you interact with us on social media, we may also collect your username or information made visible to us based on your permissions.

• Business and Transaction Information:
  Information related to your insurance policies, services you use, and activities with us or with others.

• Employment and Benefits Information:
  Data provided by your employer or benefits plan sponsor regarding group products you may have.

• Consumer Reporting Information:
  Information from credit reporting agencies or similar sources, collected as needed for transactions or job applications.

• External Records:
  Such as medical records, motor vehicle reports, and data from other third-party sources when authorized or required.

• Internet and Network Activity Information:
  IP addresses, geolocation data, device information, operating system, browsing activity, and usage patterns collected through cookies, tracking pixels, or similar technologies.

• Payment Information:
  Bank account details, credit card numbers, or other financial information used to process payments.

• Employment Application Information:
  Data you provide when applying for a job with us through our website or through third-party job application platforms.

We may combine information from various sources to better serve you and improve our services.

How We Use Your Information

The information we collect is used to:

• Provide and administer insurance products and services
• Improve and develop new offerings
• Enhance your customer experience
• Prevent fraud and protect the security of our systems
• Engage in permitted marketing activities (see our Gramm-Leach-Bliley and HIPAA notices for more details)
• Troubleshoot and maintain our websites and mobile apps
• Collect feedback to continually improve our service

How We Share Your Information

We may share your information in the following ways:

• With affiliated or non-affiliated companies for business purposes, as permitted by law.
• With third-party service providers who assist us in delivering products, servicing policies, processing transactions, improving services, or supporting business operations.
• With legal and regulatory authorities when required to comply with applicable laws, regulations, court orders, or other legal processes.
• For fraud prevention, security, and auditing purposes to protect you and our organization.

We do not sell your personal information.

Contacting The Latham Insurance Group

If you have questions about our Privacy Policy, or if you wish to review or update your information, you can contact us:

By phone: (270) 543-4557
By email: info@Lathaminsurancegroup.com
By mail:
The Latham Insurance Group
Attn: Privacy Officer
102 Sumner Drive,
Greenville, KY,
United States, Kentucky

Gramm-Leach-Bliley Privacy Notice

The Latham Insurance Group

Our Commitment to Your Privacy

At The Latham Insurance Group, we value your trust and are committed to safeguarding your personal financial information.

This notice explains how we collect, use, and protect your nonpublic personal information, in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable privacy laws.

Information We Collect

We collect and maintain personal information about you to provide insurance products and services, fulfill legal obligations, and improve our offerings.

This information may include:

• Name, address, phone number, and email address
• Social Security number or taxpayer identification number
• Policy numbers and coverage information
• Payment and billing information
• Employment and income information
• Health information when necessary for insurance products
• Information from consumer reporting agencies (e.g., credit history)

We collect this information through:

• Applications and other forms you submit
• Communications with you
• Transactions with us, our affiliates, or others
• Public records and other lawful sources

Information We May Share

We may disclose your personal information to:

• Affiliated companies involved in providing insurance-related services
• Third-party service providers who assist us in servicing your policy, processing transactions, or conducting business operations
• Regulatory agencies and legal authorities as required by law
• Authorized representatives or individuals you have directed us to communicate with on your behalf

When sharing information with third parties for business purposes, we require them to maintain the confidentiality of your information and use it only for the services they perform for us.

We do not sell your personal information.

How We Protect Your Information

We maintain physical, electronic, and procedural safeguards designed to protect your personal information.

These measures include:

• Secure systems and technologies
• Internal policies limiting access to authorized personnel
• Training programs to promote awareness about the importance of privacy and security

We regularly review and enhance our security procedures to protect your information.

Your Rights

You have the right to:

• Access your personal information maintained by us, subject to certain exceptions
• Request corrections to inaccurate information
• Limit the sharing of certain types of information, as permitted by law

Please note that certain types of information sharing are essential to administering your insurance products and cannot be limited.

Former Customers

Even if you are no longer a customer, we will continue to protect your information as described in this notice.

Changes to This Notice

We reserve the right to amend this privacy notice at any time.

When we make material changes, we will update the notice on our website and provide you with a revised notice as required by law.

Contact Us

If you have any questions regarding this notice, or if you would like to exercise your privacy rights, please contact:

Privacy Official
The Latham Insurance Group
By Mail:
Attn: Privacy Officer
102 Sumner Drive , Greenville, KY, United States, Kentucky
Phone: (270) 543-4557
Email: info@Lathaminsurancegroup.co

HIPAA Notice of Privacy Practices

This notice describes how medical information about you may be used and disclosed, and how you can access this information.

Please review this notice carefully.

If you have any questions, please contact the Privacy Official listed under “Whom to Contact” at the end of this notice.

Summary

In order to provide you with benefits, the Health Insurance Portability and Accountability Act of 1996 (HIPAA) requires The Latham Insurance Group to keep any personal health information we receive about you confidential. This information may come from you directly, or from your doctors, hospitals, or other healthcare providers.

This notice explains how we may use and disclose your health information, and outlines your rights regarding that information.

Information Covered by This Notice

This notice applies to individually identifiable protected health information (PHI) that we create or receive. PHI relates to:

• Your past, present, or future physical or mental health or condition
• Health care services provided to you
• Payment for those health care services

It also includes any information that could reasonably identify you.

Policies and Products Covered by This Notice

This notice applies to the following health-related products and services provided by The Latham Insurance Group:

• Cancer insurance
• Medical expense insurance
• Health indemnity insurance
• Hospital indemnity insurance
• Dental insurance
• Long-term care insurance
• Flexible health care spending accounts
• Medicare supplement insurance
• Vision insurance
• Medical expense reimbursement plans
• Any other health coverage defined under the HIPAA Privacy Rule

Who Must Follow This Notice

This notice applies to all employees, staff, volunteers, and contractors working for or under the control of The Latham Insurance Group who are involved in administering the products listed above.

We may share your information internally for purposes of payment and healthcare operations.

When applicable, we will limit the use, disclosure, and request of your PHI to the minimum necessary to achieve the intended purpose.

Our Legal Responsibilities

We are legally required to:

• Maintain the privacy of your protected health information
• Provide you with this notice describing our legal duties and privacy practices
• Abide by the terms of this notice currently in effect
• Notify you in the event of a breach involving your unsecured PHI

Our Right to Change This Notice

We reserve the right to update this notice at any time.

Any changes will apply to all PHI we already have, as well as any new information we receive in the future.

If changes are made, we will:

• Issue a revised notice with an updated effective date
• Mail the new notice to all current policyholders within 60 day
• Post the updated notice on our website at latheminsurancegroup.com

How We May Use or Disclose Your Protected Health Information

Here are the ways we may use and share your PHI:

1. Payment

We may use your PHI to process claims, send you explanations of benefits (EOBs), and coordinate payment for services you receive.

2. Health Care Operations

We may use your information for business activities like quality assessment, staff performance evaluations, and internal training.

3. Legal Requirements

We may disclose your PHI if required by law, such as audits by insurance regulators.

4. Public Health Activities

We may share information for purposes like disease reporting, adverse event reporting to the FDA, or notifying individuals exposed to communicable diseases.

5. Abuse and Neglect Reporting

We may report information if we believe someone is a victim of abuse, neglect, or domestic violence, as permitted by law.

6. Government Oversight

We may disclose your PHI to government agencies conducting audits or investigations.

7. Judicial or Administrative Proceedings

We may share your PHI if required for legal proceedings (for example, responding to a court order or subpoena).

8. Law Enforcement

We may release limited PHI to law enforcement under specific circumstances, such as locating a missing person.

9. Coroners, Medical Examiners, and Funeral Directors

We may share necessary PHI with these individuals to assist in carrying out their duties.

10. Organ and Tissue Donation

We may use or disclose your PHI for organ, eye, or tissue donation purposes.

11. Workers’ Compensation

We may disclose PHI to comply with workers’ compensation laws.

12. Limited Data Sets

We may use or disclose limited portions of your PHI for research, public health, or health care operations purposes.

13. Research

We may use or disclose PHI for research purposes in accordance with applicable laws.

14. Specialized Government Functions

We may disclose PHI for military, national security, or presidential protection purposes.

15. Serious Threats

We may use or disclose PHI if necessary to prevent a serious threat to your health or safety or the health and safety of others.

16. Family and Friends

We may share your PHI with family members or friends involved in your care unless you object.

17. Employer-Sponsored Health Plans

If your coverage is through your employer, we may share necessary information with them for plan administration purposes only.

18. Treatment

We may share your PHI with doctors or other health care providers to assist in your treatment.

More Stringent Laws

If any applicable state law provides stricter privacy protections than HIPAA, we will follow the more stringent standard.

Your Rights Regarding Your Protected Health Information

1. Authorizations

We will obtain your written authorization before using or disclosing your PHI for purposes not listed in this notice, such as marketing or the sale of information.

You may revoke your authorization at any time in writing.

2. Request Restrictions

You may ask us to restrict certain uses or disclosures of your PHI.

While we are not required to agree to all requests, we must agree to a restriction if you pay out-of-pocket in full for a service and request that we not disclose that information to your health plan.

3. Confidential Communications

You may request that we contact you using alternative methods or at alternative locations to protect your privacy.

4. Access to Your Information

You have the right to inspect and obtain a copy of certain PHI we maintain about you. Requests must be made in writing.

5. Request an Amendment

You have the right to request that we amend PHI you believe is incorrect or incomplete.

6. Accounting of Disclosures

You have the right to receive a list of certain disclosures we have made of your PHI.

7. Paper Copy of This Notice

You have the right to request a paper copy of this notice, even if you have already received it electronically.

8. Filing a Complaint

You have the right to file a complaint if you believe your privacy rights have been violated.

You can file a complaint directly with The Latham Insurance Group or with the U.S. Department of Health and Human Services.

There will be no retaliation for filing a complaint.

Whom to Contact

If you have questions, want to exercise your rights, or want a paper copy of this notice, please contact:

Privacy Official
The Latham Insurance Group

By Mail:
The Latham Insurance Group
Attn: Privacy Officer
102 Sumner Drive , Greenville, KY, United States, Kentucky
By phone: (270) 543-4557
By email: info@Lathaminsurancegroup.com

Supplemental Privacy Notice for California Residents

The Latham Insurance Group

Supplemental Privacy Notice for California Residents

Updated June 2025

Introduction

This Supplemental Privacy Notice for California Residents supplements the other privacy notices provided by The Latham Insurance Group. It is intended to comply with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). This notice informs California residents of their rights regarding personal information collected by us.

Information We May Collect

We may collect personal information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”).

In the last twelve (12) months, we may have collected the following categories of personal information:

Sensitive Personal Information

Some personal information we collect is classified as “sensitive data,” including:

• Social Security, driver’s license, or passport numbers
• Account login credentials with security codes
• Precise geolocation data
• Racial or ethnic origin, citizenship or immigration status, religious or philosophical beliefs
• Genetic data and biometric information used for identification
• Health-related information
• Information regarding sex life or sexual orientation
• Contents of a consumer’s private communications

Information Not Covered

This notice does not apply to:

• Publicly available information from government records
• De-identified or aggregated consumer information
• Information covered by laws such as HIPAA, CMIA, GLBA, FCRA, and others

Sources of Personal Information

We collect personal information from:

• Direct interactions: Information you or your employer provide
• Website activity: Information collected automatically during your use of our websites
• Third-party sources: Information from service providers and partners

Use of Personal Information

We may use or disclose your personal information for the following business purposes:

• To fulfill requests and provide services
• To send marketing communications and service-related notifications
• To manage billing, collections, and account maintenance
• To improve our website functionality and services
• For research, analysis, and product development
• To protect the rights, property, and safety of our organization and clients
• To comply with legal obligations

Sharing Personal Information

We may share your personal information with:

• Our affiliates
• Service providers
• Authorized third parties connected to services we provide

We have not sold personal information in the past twelve (12) months.

Your Rights Under the CCPA

California residents have the following rights:

Right to Know

You may request disclosure of:

• Categories of personal information collected
• Sources of information
• Business or commercial purpose for collection
• Categories of third parties with whom we share information
• Specific pieces of personal information collected

Right to Delete

You may request that we delete your personal information, subject to certain legal exceptions.

Right to Correct

You may request that we correct any inaccurate personal information maintained about you.

Right to Opt-Out

You have the right to opt-out of the sale or sharing of your personal information (Note: We do not sell personal information.)

Right to Limit Use of Sensitive Information

You may request that we limit our use of your sensitive personal information.

Exercising Your Rights

To submit a request, you may:

• Complete a Personal Data Request Form
• Call us at [Insert Phone Number]
• Write to:

The Latham Insurance Group

Attn: Privacy Officer
102 Sumner Drive,
Greenville, KY,
United States, Kentucky

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request. Requests must include sufficient information for us to verify your identity.

You may make two (2) data access or portability requests within a 12-month period.

Response Timing and Process

• We aim to respond within 45 days of receiving a verified request.
• If more time is needed (up to 90 days), we will inform you in writing.
• Responses will cover the 12-month period preceding the request.
• We do not charge a fee unless a request is excessive, repetitive, or unfounded.

Non-Discrimination

We will not discriminate against you for exercising your rights under the CCPA.

We will not:

• Deny you goods or services
• Charge you different prices or rates
• Provide a different level of goods or services
• Suggest you may receive different prices or services for exercising your rights

Changes to This Privacy Notice

We reserve the right to amend this notice at any time. Changes will be posted on our website.

Notice Regarding Minors

We do not knowingly collect or sell personal information from individuals under the age of 16.

Contact Information

For questions or to exercise your rights, please contact:

The Latham Insurance Group

Phone: (270) 543-4557
Email: info@Lathaminsurancegroup.com
Mail:
The Latham Insurance Group
Attn: Privacy Officer
102 Sumner Drive,
Greenville, KY,
United States, Kentucky