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Privacy Policy

Effective Date: This Website Privacy Policy was updated on December 27, 2019 and is effective as of that date.

Policy Overview

Mylo, LLC (“Mylo”/”we”/“our”/“our company”) provides a one-stop shop for individuals and businesses to find customized insurance products from top-rated carriers. Mylo is committed to protecting your privacy and the confidentiality of your Personal Information. “Personal Information” is information that directly identifies or reasonably can be used to identify an individual user of this Website (“site”). We have developed this Website Privacy Policy (this “Privacy Policy”) to notify you about our Website privacy practices. We also recommend that you review the Terms of use for this site, which contains contractual terms governing use of this site and its content.

All personally identifiable information collected on this site by Mylo is considered Personal Information and will be treated in accordance with this Website Privacy Policy. By using this site and submitting your Personal Information, you agree with and consent to the processing, transfer, usage and storage of your Personal Information in accordance with this Website Privacy Policy.

Our Policies and Practices to Protect Your Personal Information

Mylo is committed to protecting the privacy of Internet users who visit this site. Mylo’s intent always is to use and, if appropriate, to disclose your Personal Information in a manner consistent with applicable laws and regulations, contractual obligations and our company’s policies and procedures. We protect Personal Information we collect about you by maintaining physical, electronic and procedural safeguards designed to meet or exceed applicable laws.

To safeguard your Personal Information, the electronic storage and transmission of Personal Information are secured with appropriate security technologies. Access to this site’s servers is limited to employees, agents and contractors of Mylo, all of whom are required to preserve the confidentiality of Personal Information they receive while performing their jobs and conducting the business of Mylo.

Information We Collect

Mylo collects two types of information about you when you visit the site or use our Services: Personal Information that you provide and technical, aggregate and non-personal types of information collected by automated means.

Personal Information You Provide

This generally includes:

  • First, middle and last name
  • Postal or other street address
  • Date of birth
  • Email address
  • Credit card information
  • Telephone number
  • Location information
  • Company name
  • Job title
  • Driver's license number or financial account numbers
  • Details about devices used to access our websites such as IP address, browser information, device information and operating system information
  • Publicly available information

We may also collect information about the use of websites, mobile applications, social media presence and internet-enabled services and platforms by automated means, such as cookies, web beacons, HTML5 localStorage and other technologies. Mylo does not use technology that recognizes do-not-track signals from your browser. For additional information on Mylo’s use of cookies, as well as third party use of cookies and information on blocking or declining cookies, please review the Cookie Policy and Usage section below.

Aggregate Information

We may aggregate any personal data that we collect in connection with our Services or site, such that the information is no longer personally identifiable or attributable to you. We may use such aggregated information for our own legitimate business purposes, such as viewing website traffic and website user behaviors and building better insurance recommendations.

This generally includes:

  • Directly from you by telephone, fax, postal mail or email, including when you use our “Email Signup” function to receive emails from Mylo
  • Through your use of our site
  • From our vendors such as those discussed below in the Use and Disclosure of Personal Information section
  • From third parties such as those discussed below in the Use and Disclosure of Personal Information section
  • Automatically from devices you use to connect with our site
  • Through automated technologies and online tools (e.g., cookies)
  • From government agencies or public records
  • Employment applications, should you apply for a job with Mylo
  • Insurance policy quotes, should you solicit a quote from Mylo

A cookie is a small data file, typically of letters and numbers, downloaded onto a device when the user accesses certain websites. Cookies allow a website to recognize a user’s device. Mylo uses cookies to compile web statistics and analyze how our users utilize our site in order to identify and implement changes to provide users with a better website experience. Cookies cannot read data off your computer’s hard drive or collect personal information you do not yourself provide through the site.

Third-party service providers also place cookies on this site to perform data analytics regarding how our website users use the site. These cookies collect information in an anonymous form, including how often users visit this site, which pages they visit when doing so and how users have arrived to the site and which pages on our site have been viewed.

You are not required to accept cookies to use this site. To refuse or delete cookies, you will need to adjust your browser settings. For additional information about cookies, including information on how to block or decline cookies, please visit www.allaboutcookies.org.

When using this site, you may decide to provide us with Personal Information to help us serve your needs. For example, you may choose to give us your name, e-mail address and company information in order to use our “E-mail Signup” function to receive e-mails from Mylo concerning company news, compliance issues and services provided, or in order to use our contact form to send us an inquiry concerning services provided or other inquiries. If you want to provide comments to Mylo’s blogs, you will need to provide your name and e-mail address, and you may also choose to provide your website URL. In addition, you may decide to complete one of the online forms that request Personal Information or otherwise enter Personal Information into the site for the purpose of obtaining an insurance policy quote. If you choose to purchase a policy online, you may need to provide credit card information. In addition, if you contact us, we may keep a record of that correspondence.

Use and Disclosure of Personal Information

This site is hosted on web servers in the United States.

Mylo will not exchange, sell or otherwise distribute your Personal Information without your consent, except to the extent required by law or in accordance with your instructions. Further, Mylo has procedures designed to ensure that Personal Information that needs to be transferred for any of these purposes is transferred only to third parties that follow adequate data protection principles. By using this site and submitting Personal Information to this site, you consent to the collection, usage, storage, transfer and disposition of your Personal Information—as set forth in this Website Privacy Policy—for all purposes set forth in this Policy, for all purposes required by law and as instructed by you. We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Website Privacy Policy unless a longer retention period is required or permitted by law. If you do not consent, do not provide any Personal Information via this site.

Disclosure within Lockton Family of Companies. We may share your Personal Information with companies within the Lockton family of companies. We may use such information to help ensure that the content from our site is presented in the most effective manner for you and your computer; to provide you with information, products or services that you request from us or which we feel may interest you (where you have consented to be contacted for such purposes); to carry out any obligations arising from any contracts entered into between you and Mylo; to allow you to participate in interactive features of our service (when you choose to do so); and to notify you about changes to our service. By submitting Personal Information through our site, you consent the transfer to and the processing and usage of your Personal Information within the Lockton family of companies. If you do not consent, do not provide any Personal Information via this site.

Disclosure to Third-Party Business Partners. Except for protected health information, we may share your Personal Information with strategic business partners in order to communicate products, programs or services that we believe may be of interest to you. When we provide Personal Information to our third-party business partners, we require them to exercise reasonable care to protect your Personal Information and restrict the use of your Personal Information to the purposes for which it was provided to them. By submitting Personal Information through our site, you consent to the transfer to and the processing and usage of your Personal Information by Mylo’s business partners. If you do not want us to share your Personal Information with third parties for marketing purposes, you may opt-out of receiving them by emailing us at compliance@lockton.com. In accordance with the Health Insurance Portability and Accountability Act, we do not share protected health information without your explicit opt-in consent.

Disclosure to Third-Party Agents and Service Providers. We sometimes contract with other companies and individuals to perform functions or services on our behalf. For example, Mylo sometimes contracts with entities that host websites; entities that provide marketing assistance; and entities that send e-mail messages and/or make phone calls on our behalf. Other than under the circumstances addressed in “Disclosure of Tracking Information to Certain Third Party Service Providers” below, such third parties may have access to Personal Information—such as names, e-mail addresses and telephone numbers—needed to perform their functions, but they are restricted from using such Personal Information for purposes other than providing services for Mylo and are required by Mylo to maintain the confidentiality of such Personal Information. By submitting Personal Information through our site, you consent to the transfer to and the processing and usage of your Personal Information by Mylo’s agents and service providers. If you do not consent, do not provide any Personal Information via this site.

Disclosure of Tracking Information to Certain Third Party Service Providers. Third parties who provide interactive plug-ins or social networking features (e.g., Facebook’s “Like” button) or who send e-mail messages on our behalf to individuals who are listed in their databases, may use cookies or other methods to track the activity on our site. Such third parties may use these cookies or other tracking methods for their own purposes by relating information about your visit to our website and/or your purchases with any of your personally identifying information that they may have. By browsing our site, you consent to the transfer to and the processing and usage of your Personal Information and purchase data by such third parties as set forth in this paragraph, if applicable. If you do not consent, please disable these cookies in your browser or refrain from browsing our site. For more information, please see the Cookie Policy and Usage section.

Disclosure to Insurance Companies and Intermediaries. In the event you request a quote for issuance of an insurance policy or seek to purchase insurance through the site, we may share your Personal Information, including, but not limited to, medical, financial, drivers’ license and/or other Personal Information you choose to provide with insurance companies or intermediaries for purposes of obtaining quotes and placing insurance on your behalf. By submitting your Personal Information via this site, you consent to the transfer to and the processing and usage of Personal Information, including any sensitive Personal Information, you provide by insurance companies and/or intermediaries. If you do not consent, do not provide Personal Information for purposes of purchasing insurance or obtaining quotes for insurance via this site.

Disclosure of Credit Card and Debit Card Data to Parties Processing Payment. Further, if you choose to purchase an insurance policy or policies through our site using a credit card or debit card, then your credit or debit card information will be collected and processed by Mylo and/or Mylo’s payment processing vendor. If you choose a recurring billing option to cover payment of future premiums, then your credit card or debit card information will be stored until you cancel recurring billing. Although Mylo takes steps to confirm that its third-party credit and debit card processing vendors have adequate privacy protections in place and requires such processing vendors to comply with all applicable data privacy laws and regulations, Mylo cannot guarantee the data privacy practices of any third party. By submitting your credit card or debit card information via this site, you consent to the collection, processing and usage of credit card or debit card information by Mylo and by any third-party vendors assisting with credit and debit card transactions. If you do not consent to this, do not provide credit and debit card information via this site.

Disclosure of Résumés and Applications to Third-Party Vendors Assisting Mylo with Recruitment and Employment Processes. This site provides an opportunity to submit inquiries regarding career opportunities and to submit your résumé and an application form to us to apply for a position in the United States through this site. If you submit information for such purposes, we will use the Personal Information you provide to evaluate your qualifications and contact you regarding any positions at Mylo or any of its affiliated companies in which we believe you may be interested. All applications and other information submitted via this site will be collected and processed through a third-party vendor. By submitting Personal Information for employment purposes, you consent to the processing, transfer, usage and to the processing, transfer, usage and/or storage of your data by any third-party vendors assisting Mylo with recruitment and employment processes. If you do not consent, do not provide Personal Information for employment purposes via this site.

Disclosure to Third Parties in Connection with Legal Matters. Mylo may preserve, and has the right to disclose without your prior permission, any information about you or your use of this site if Mylo has a good faith belief that such action is necessary to: (a) Protect and defend the rights, property or safety of Mylo or its affiliates, employees, other users of this site or the public; (b) Enforce the terms and conditions that apply to use of this site; or (c) Respond to claims that any content violates the rights of third parties. We may also disclose information as we deem necessary to comply with any applicable law, regulation, legal process or governmental request. By submitting Personal Information via this site, you consent to the processing, transfer, usage and/or storage of your Personal Information for any such purposes. If you do not consent, do not provide Personal Information via this site.

Disclosure to Third Parties in Connection with Mergers and Acquisitions. Mylo and/or our Lockton affiliates may disclose your Personal Information to third parties in connection with the sale or purchase of any business or assets. By submitting Personal Information via this site, you consent to the processing, transfer, usage and/or storage of your Personal Information for any such purposes. If you do not consent, do not provide Personal Information via this site.

Disclosure of Blog Comments and Related Personal Information to Third Parties. If you choose to add a comment to any of Mylo’s blogs, we will collect your name and e-mail address, along with any Personal Information you choose to include in your comments. Such information may be transferred to the United States and/or other countries not deemed to ensure adequate levels of data protection. Further, in the event we publish your comments on our site, your name will be published on our site, along with your comments. By submitting any such comments, you consent to the processing, transfer, usage and/or storage of your comments, including any Personal Information you provide. If you do not consent, do not submit comments to Mylo’s blogs via this site.

External Links

Our site includes links to other websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to read the privacy statements of each and every website they visit. This Website Privacy Policy applies solely to information collected by Mylo when you visit this site.

Information Storage and Security

Our systems are configured to provide privacy, integrity and authentication in Internet communications. The security measures we have taken help to ensure that when you visit our site, your Personal Information is secure and encrypted, so that a third party cannot capture, read or access your Personal Information while it is in transit between your computer and our system. However, the transmission of information via the Internet is not completely secure, and although we will do our best to protect your Personal Information, we cannot guarantee the security of information as it is transmitted to our site. As such, any transmission is at your own risk. Once we have received your information, we will use appropriate procedures and security features to help prevent unauthorized access.

We limit internal access to our servers and have physical, electronic and administrative safeguards in place to guard all Personal Information that we receive from visitors to our site. At Mylo, we adhere to high standards of ethics and integrity in performing our jobs and conducting business. However, it should be noted that there are some things, such as viruses and hacker attacks, which Mylo and other website operators cannot control.

Mylo disposes of Personal Information in a secure manner by destroying or permanently erasing electronic data and by disposing of hard copy data via burning, pulverizing or utilizing shredding methods designed to ensure that Personal Information cannot be read or reconstructed.

Accessing, Correcting or Removing Your Personal Information

If you would like to review your Personal Information, correct the Personal Information you have provided to us and/or request that we remove your information from our records, contact Mylo’s Compliance Counsel via the contact detail noted below with the access, correction or removal request. Each request will be reviewed and responded to in accordance with applicable laws. In order to cover internal costs for responding to access requests, Mylo may charge a reasonable fee to individuals desiring access to their Personal Information.

California Residents

Your California Privacy Rights

California residents have certain rights with respect to their personal information, as described below. We are required by law to verify your identity in connection with any request in order to prevent unauthorized access of your data. This may require us to request from you two (2) pieces of personal information so that we may match the same with personal information maintained by Mylo. Please note that your exercise of these rights is subject to certain exemptions to safeguard the public interest (e.g., the prevention or detection of crime) and our interests (e.g., the maintenance of legal privilege). We will try to comply with your request as soon as reasonably practicable. Requests to exercise these rights may be granted in whole, in part or not at all, depending on the scope and nature of the request and applicable law. Where required by applicable law, we will notify you if we reject your request and notify you of the reasons we are unable to honor your request.

  • Right to Know and Access Information: You may access information we maintain about you using the methods provided below. If we grant your request, we will provide you with a copy of the personal information we maintain about you in the ordinary course of business. This may include what personal information we collect, use or disclose about you. We may not fulfill some or all of your request to access as permitted by applicable law.
  • Deletion of Information:You may request that we delete your personal information. Depending on the scope of your request, we may refrain from granting your request, as permitted by applicable law. For example, we may be legally required to retain your information in our business records. You may submit a deletion request using the methods provided below.
  • Opt-out of “Sale” and Certain Sharing Practices: We do not “sell” information as defined by the California Consumer Privacy Act.
  • Non-Discrimination: We will not discriminate against you, in terms of price or services that we offer, if you submit one of the requests listed above.

Authorized Agent

California residents may use an authorized agent on their behalf to exercise a privacy right discussed above. If you are an authorized agent acting on behalf of a California resident to communicate with us or to exercise a privacy right discussed above, you must be able to demonstrate that you have the requisite authorization to act on behalf of the resident and have sufficient access to their laptop, desktop or mobile device to exercise these rights digitally. If you are an authorized agent trying to exercise rights on behalf of a Mylo user, please contact us at the contact information below with supporting verification information, which includes a valid Power of Attorney in the State of California, proof that you have access to the consumer’s interface and proof of your own identity.

To Exercise Rights

To exercise the rights described above, please go here or contact us using the information below. Should you have any questions or concerns regarding your California rights or this privacy policy, you may contact us using the contact information below.

  • Email: Mylo’s Compliance Counsel via e-mail at compliance@lockton.com
  • Mail: Mylo, LLC, Attention: Compliance Counsel, 444 W. 47th Street, Suite 900, Kansas City, MO, 64112.
  • Toll-Free Number: 1-833-782-7406

Additional California Rights

California’s “Shine the Light” law permits our site visitors who are California residents to request and obtain from us once a year, free of charge, certain information about Personal Information (if any) we disclosed to third parties for direct marketing purposes. If applicable, this information would include a list of the categories of Personal Information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please send us an email or deliver the request via postal mail using the contact detail found in the Contact Information for Questions, Comments and Requests section below. In addition, as noted above, Mylo is unable to implement Do Not Track (“DNT”) features at this time.

Policy Updates

This Website Privacy Policy was last updated on December 27, 2019. We reserve the right to make changes to our Website Privacy Policy at any time. We encourage you to periodically review this site and its Website Privacy Policy, in particular, for any updates or changes. Mylo will advise users of this site of material changes to the Website Privacy Policy by posting a prominent notice on the homepage advising that the policy has been revised. Your continued access or use of this site shall be deemed your acceptance of all terms and conditions contained in this Website Privacy Policy.

Contact Information for Questions

If you have any questions or concerns about data privacy and security, the handling of your personal data or wish to make a request to access your information, please contact Mylo’s Compliance Counsel via e-mail at compliance@lockton.com or by mail to Mylo, LLC, Attention: Compliance Counsel, 444 W. 47th Street, Suite 900, Kansas City, MO, 64112.