Our Privacy Pledge

Last Updated: June 18, 2009

We Respect Your Privacy

At LMB Insurance Services, Inc. your privacy is a top priority for us and we are committed to protecting your privacy online. This Privacy Policy ("Policy") outlines the steps we've taken to ensure that you have a great experience using our Website, and also provides details on how we treat any personal information you may submit to us. Please take a moment to review this Policy.

This Policy applies to this website, lmbinsurance.com, as well as other domain names that point to LowerMyBills.com and new sites and web pages that may be added from time to time which may not be listed in this Policy (collectively, the "Website" or "Websites"). Please note that this Policy applies only to Websites maintained by LMB Insurance Services Inc., (also referred to as the "Company," "we, "us" or "our") and not to websites maintained by other companies or organizations to which we link. In addition, this Policy applies only to information collected by the Company online, not offline.

By using the Website, you agree to the terms of this Policy. If you do not agree to the terms of this Policy, please do not use the Website We reserve the right to change this Policy without prior notice. You can determine when this Policy was last revised by referring to the "Last Updated legend at the top of this page. Any changes to our Policy will become effective upon our posting the revised Policy on this Website. Use of the Site following such changes constitutes your acceptance of the revised Policy then in effect.

Information Collection and Use

We will collect and use personal information about you to respond to your request for products and/or services offered through the Website. We will also collect information in order to notify you by email about products, services, and other opportunities we think will be of interest to you, including offers from our Subsidiaries, Parent or Sister Companies affiliates, Clients and/or business partners. The information we collect may be from the following sources:

We also collect demographic and other information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account and/or to the personal or other information you provide.

When you visit the Website, we may also collect non-personal information such as a catalogue of the Website pages you visit. Non-personal information is generally collected through the Website from the following sources: server log files, environmental variables, cookies, pixel tags and other similar technologies and information that you voluntarily provide.

Information Sharing and Disclosure

We share personal information about you under the following circumstances:

Products or Service Requests - When submitting a request for a product and/or service offered through the Website, you will be asked to provide certain personal information such as your first and last names, address telephone numbers, and email address. You also may be asked to provide your year of birth, information about your driving history and other personal information, depending on the type of service requested, that is necessary for the purpose of underwriting and/or issuing an insurance policy. If applicable to the service you requested, we may also use your Social Security Number if you provide it to obtain your credit report and/or credit score By using the Website and submitting your Social Security Number, you agree to allow the Company to use your Social Security Number to access your credit score and information and to share such information with our Clients for the purpose of fulfilling your request. We will share the personal information provided by you and contained in your inquiry form with our business partners which include, without limitation, insurance carriers brokers, agents and companies (collectively, "Client" or "Clients") to process and fulfill your request. Please note that we will not be able to process or fulfill your request without sharing your personal information with Clients to whom you have been matched. All Clients in our network have entered into agreements with the Company and are required to comply with federal and state privacy regulations. In addition, by using our Website, you agree that our Clients may contact you by telephone (on a recorded line)(including by auto-dialer connections, where applicable), email, or regular mail based on the information you provide to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission any state equivalent Do Not Call List, or the Do Not Call List of a particular company. If a Client contacts you by telephone (and/or auto-dialer) and you wish not to be contacted again by that Client with respect to your inquiry, then you should specifically make a request to that Client not to contact you again. Please note that Clients may maintain information you provided whether or not you elect to use their services, and information collected by our Clients on their websites is governed by that Client's terms of use and privacy policy.

For a complete list of the Company's licenses and disclosures, please click here.

Subsidiaries, Parent or Sister Companies - We may share personal and demographic information that we collect about you with our subsidiaries parent company, or sister companies. For example, we may share your information with ClassesUSA, LowerMyBills.com or PriceGrabber.com.

Business Partners - In addition, other services that may be offered through the Website or related web pages, such as the processing of cell phone and internet product requests, may be operated by third-party business partners. In all instances where the service is operated by a third-party business partner, if you choose to submit information to that third party the collection, use and disclosure of your personal information will be subject to that third party's privacy policy.

Vendors - We sometimes disclose the information we collect to companies that operate various services for us such as providing certain product functionalities. These vendors with whom we have contracted only have access to personal information needed to perform their functions or to complete the transaction you requested, and they may not share the information with others or use it for any other purpose.

As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of the Company's Terms of Use, or as otherwise required by law.

Business Transfer - As with any other business, it is possible that the Company in the future could merge with or be acquired by another company If such an acquisition occurs, the successor company would have access to the information maintained by the Website, including your personal information customer and business account information, but would continue to be bound by this Policy unless you consent otherwise.

Advertisements and Third-Party Ad Servers

You may receive advertisements for the Company from third parties. For instance, when visiting a third-party website, you may receive a "pop up window advertising the Company. Please note that such advertisements are served by the third-party website that you have visited and are not controlled by the Company. In addition, advertisements may be placed by third-party ad servers or ad networks such as DoubleClick. These companies may employ Cookies and action tags or Pixel Tags to measure advertising effectiveness You may find more information at the website of either the individual ad network or the Network Advertising Initiative.

Offering You Choices

Upon registering to use our service, we will periodically send you newsletters and other emails with new offers, products and promotions. These emails may contain offers and/or promotions from us, our Subsidiaries, Parent or Sister Companies, affiliates or other third parties that we think might be of interest to you. You have options with respect to these marketing emails. If you do not wish to receive these emails, here are the methods by which you may opt out:

Third Party Advertisers

Please note that the Company can only control its own mailing list and policies Third-party advertisers maintain their own mailing lists and may send communications that advertise our services. If you receive emails from third-party advertisers that contain advertisements or promotional offers for the Company or its Subsidiaries, Parent or Sister Companies, you may need to contact these parties directly, or follow the unsubscribe instructions in their emails in order to stop receiving their email communications.

Confidentiality and Security

The security of your personal information is very important to the Company and we take a number of steps to safeguard it. For example:

Third Party Links

This Policy applies to all information that you provide to the Company on the Website. However, the Website may contain links to third-party websites If you link through to these third-party websites, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. These linked sites are not under our control and we are not responsible for the privacy practices or the contents of any such linked site, or any link contained in any linked site. We provide such links only as a convenience, and the inclusion of a link on the Website does not imply endorsement of the linked site by us. If you choose to obtain certain services through a third-party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear GIFs. We encourage you to review the privacy policies of any other service provider from whom you request services.


In some cases, we may use third parties to operate portions of the Website Although the particular section of the website may have a similar appearance as the Company's Website, information submitted through these outside third parties are subject to that company's privacy policy unless otherwise stated Please refer to the URL of the website or web page you are viewing in order to better identify the party operating that website or page.

A Special Note about Children's Privacy

You must be at least 18 years old to use the Website. This Website is not directed to individuals under the age of 18, and we do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on the Website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.


We control and operate the Website from the United States, and the Website is not intended to subject us to the laws or jurisdiction of any state country or territory other than that of the United States. We do not represent or warrant that the Website, or any part thereof, is appropriate of available for use in any particular jurisdiction. Those who choose to access the Website do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations. We may limit the Website's availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.

Removing Your Information

Federal and state regulations require that we maintain all information (including your personal information) submitted through the Website for various time periods. In order to comply with these regulations, we cannot delete your information from our database.

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us:

By sending an email to:


By sending a letter to:

LMB Insurance Services, Inc.
Attn: Customer Care
4859 W Slauson Ave #405
Los Angeles, CA 90056

Changes to this Privacy Pledge

The Company may update or modify this Policy from time to time. If there are material changes to this Policy or in how the Company will use your personal information, we will post such changes here. You will be notified if any of the material changes affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use the Website.

By using the Website, you signify your assent to the Company's Privacy Pledge and the use of your personal information as outlined in this Policy If you do not agree to this Policy, please do not use any portion of the Website. When you request rate quotes or other information through the Website you are authorizing us to share information with our business partners who will contact you by phone (including, where applicable, by auto-dialer), email, or mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this Policy at any time. Please check the policy each time you use the Website to ensure you are aware of any changes in our privacy practices. Our Privacy Pledge will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Pledge.