Pathfinder/LL&D Insurance Group. LLC has been serving the insurance needs of our customers since 1913. To continue to provide innovative products and services that respond to your insurance needs, Pathfinder/LL&D collects certain personal information about you, which is described below in The Personal Information We Collect. At Pathfinder/LL&D, we respect the privacy of our customers. We do not sell or share our customer lists with anyone else for the purpose of marketing their products to you. Pathfinder/LL&D’s personal information handling practices are regulated by law and this Privacy Policy describes those practices.

The Personal Information We Collect
Pathfinder/LL&D collects personal information about you and the members of your household to conduct business operations, provide customer service, offer new products, and satisfy legal and regulatory requirements.

We may collect the following categories of information about you from these sources:

  • Information from you directly including information from applications, worksheets, questionnaires, claim forms or other documents [such as name, address, driver’s license number and amount of coverage requested].
  • Information about your transactions with us, our affiliates or others [such as products or services purchased, claims made, account balances and payment history].
  • Information from a consumer reporting agency [such as motor vehicle reports].
  • Information from other non-Pathfinder/LL&D sources [such as prior loss information and demographic information].
  • Information from visitors to our web sites [such as that provided through online forms and online information-collecting devices known as “cookies”]. Pathfinder/LL&D does not use “cookies” to retrieve information from a visitor’s computer that was not
    originally sent in a “cookie”.

“Opt Out” Option
The law permits certain types of disclosures, such as for the processing of the insurance transaction without allowing an opt out. Pathfinder/LL&D does not have an opt out option as we do not disclose your personal information to nonaffiliated third parties other than as described below. Therefore, no action is required by you.

The Personal Information We Share
Pathfinder/LL&D may disclose the personal information we collect only to service, process or administer business operations such as underwriting and claims, and for other purposes such as the marketing of products or services, marketing your account to insurance providers, regulatory compliance, the detection or prevention of fraud, or as otherwise required or allowed by law. These disclosures may be made without prior authorization from you, as permitted by law.

Sharing Personal Information with Others
Pathfinder/LL&D may disclose the personal information we collect to affiliated and nonaffiliated parties for processing and servicing transactions, such as insurance providers, reinsurers, property and automobile appraisers, auditors, claim adjusters and third party administrators. For example, we may disclose personal information to our affiliates and other parties that perform services for us such as customer service or account maintenance. Specific examples include mailing information to you and maintaining or developing software for us. Pathfinder/LL&D may also disclose personal information to nonaffiliated parties as permitted by law. For example, we may disclose information as required in response to a subpoena, to detect or prevent fraud or to comply with an inquiry of a government agency or regulator.

Internet Communication
The privacy of communication over the Internet cannot be guaranteed, because the Internet is not a secure medium. Pathfinder/LL&D does not assume any responsibility for any harm, loss, or damage you may experience or incur by the sending of personal or confidential information over the Internet by or to Pathfinder/LL&D.

By using this site, you signify your consent to Pathfinder/LL&D’s on-line privacy policy. If you do not agree to this policy, please do not use this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Any changes to this privacy policy will be promptly disclosed in this area.