Notice of Privacy Policy

This is our Notice of Privacy Policy, and we'll provide it the first time we do business with you and upon request or as required by law thereafter.

This Notice describes how we protect, collect, use, and share customer information. Customer information means all nonpublic information related to an identified individual, which is sometimes called personally identifiable information. Customer information does not include anonymized data or de-identified data, which do not identify an individual.

Customer Information We Collect

We collect customer information in different ways. For example, we gather information from:

  • Applications and other forms related to our products and through conversations with Luna representatives, including our agents.
  • Use of joinluna.com, our mobile sites and applications, our social media sites and applications, and interactions with our online advertisements.
  • Transactions or experiences with us, such as payments, underwriting, and claims.
  • Within the Luna affiliated companies.
  • Non-Luna parties, including consumer reporting agencies that provide us with information such as driving records, claim histories, and credit information.

How We Use Customer Information

We use customer information, sometimes including consumer report information, to do things such as:

  • Underwrite and rate your policies and accounts.
  • Process your claims.
  • Protect against fraud and unauthorized transactions.
  • Provide proper billing.
  • Confirm your identity and service your policies and accounts.
  • Enhance your customer experience and improve our products and services.
  • Offer you other insurance and financial services products.
  • Develop and offer new products and services.
  • Develop either anonymized data or de-identified data by making reasonable efforts to remove personally identifiable information so the information is no longer customer information. We develop this data for certain purposes, such as analysis to understand more about our customers and our industry, or for other commercial purposes as permitted by law. We share and use this data within our affiliated companies, with third party service providers, or with other unaffiliated entities. perform other activities as required or permitted by law.

How We Share Customer Information

We share customer information, including information about our transactions with you (such as payments) and experiences with you (such as an auto claim), within Luna to help meet your product and service needs. We share customer information inside or outside our family of companies:

  • For our everyday business purposes, for public policy purposes, and as permitted (such as with consent or as necessary to complete a transaction you request) or required by law.
  • As needed, to handle your claim. For example, we may share name, address, and coverage information with an auto body shop to speed up repairs on auto damage claims.
  • with consumer reporting agencies, for example, during the underwriting process.
  • In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of our business or operating unit.
  • As needed, to protect against fraud and unauthorized transactions and in connection with the investigation, establishment, and defense of legal rights.

Information for Internet, Mobile, Application and Social Media Users

  • In addition to the information collection and sharing practices described above, Luna website properties and mobile applications may use common tracking technologies like browser cookies, "Local Shared Objects" (such as "Flash" cookies), analytical tools, device IDs, or other technologies. We also collect certain technical information about the device you use to access our site or services, such as user-agent, time stamp, hardware type, language and time zone settings, IP address, OS type and version, and installed fonts.
  • If you click on links to a third-party site, you will be taken to websites we do not control. This Notice does not apply to the privacy practices of those websites. Read the privacy policy of other websites carefully. We are not responsible for these third-party sites.
  • Some operating system developers, such as Apple, allow mobile application users to request deletion of accounts created within an application. If you request deletion of your account, Luna may still retain your information for legal, auditing, regulatory and business purposes. Retention periods vary according to specific legal, auditing, regulatory and business needs.
  • A request to delete an account within the mobile application only applies to the credentials and account you created within the Application and not to any other accounts you may have with Luna.

Other Important Information

Please contact your agent for name/address changes or policy/coverage questions.

If a material change is made to this Notice, a revised version of the Notice of Privacy Policy will be made available to you.

Residences of California: We may collect customer information from persons other than the individual or individuals applying for coverage. Such customer information as well as other personal or privileged information subsequently collected may, in certain circumstances, be disclosed to third parties without your authorization as permitted by law. If you would like additional information about the collection and disclosure of customer information, please contact your Luna agent. You may also act upon your right to see and correct any customer information in your Luna files by writing your Luna agent to request this access.

Residences of Nevada: Nevada law requires us to disclose that you may elect to be placed on our internal "do not call" list should you wish not to receive marketing calls from Luna. If you have already been placed on our internal "do not call" list, please disregard this notice. You may request to be placed on Luna's internal “do not call” list by:

  • Contacting your Luna agent
  • Visiting www.joinluna.com and submitting the Do Not Solicit form
  • Writing us at the following address:
    Luna Insurance LLC
    655 Columbia Way Suite 300
    Vancouver, WA 98660

    Please provide us with your name, address and all telephone numbers you wish to be placed on our list. If you have questions about Nevada law regarding "do not call", please contact us at the address listed above, or you may contact the Nevada Attorney General at:

    Office of the Nevada Attorney General
    Bureau of Consumer Protection
    555 E. Washington Avenue; Suite 3900
    Las Vegas, NV 89101