Last Updated: March 30, 2026

1. Introduction Luxum Insurance ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services to obtain insurance quotes for Auto, Home, Renters, Commercial, and Life insurance in the states of VA, MD, DC, FL, NM, NY, and NJ.

2. Information We Collect To provide you with accurate insurance quotes and services, we may collect the following types of information:

  • Personal Information: Name, email address, phone number, physical address, date of birth, and other identifying details provided through our contact or quote forms.

  • Insurance-Specific Information: Depending on the quote requested, we may collect driving history, vehicle details, property information, or basic health information (for life insurance).

  • Automatically Collected Data: Our website is hosted on Squarespace. When you visit, we automatically collect certain technical information, such as your IP address, browser type, device information, and browsing activity through cookies and similar tracking technologies.

3. How We Use Your Information We use the information we collect primarily to:

  • Generate and provide accurate insurance quotes.

  • Communicate with you regarding your inquiries, quotes, or policy updates.

  • Connect you with our network of third-party insurance carriers.

  • Improve our website's functionality and user experience.

4. Information Sharing and Disclosure As an independent insurance agency, we do not sell your personal data to unverified third parties. However, to provide our quoting services, we must share the information you provide with our trusted network of insurance carriers. These partners include, but are not limited to:

  • GEICO

  • Gainsco

  • National General

  • NEXT

  • ERGO

  • Progressive

  • National Life Group

These carriers use your information strictly for underwriting purposes and to determine premium rates. We may also share information with regulatory authorities or law enforcement if required by law.

5. Cookies and Tracking Technologies Our website uses cookies (small data files stored on your device) to ensure the site functions properly and to analyze site traffic. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some portions of our website may not function correctly.

6. Data Security We implement industry-standard security measures, including SSL encryption, to protect your personal information from unauthorized access, use, or disclosure. However, please note that no method of transmission over the internet or electronic storage is 100% secure.

7. Your Privacy Rights (State-Specific) Depending on your state of residence (such as Virginia), you may have specific rights regarding your personal data, including the right to:

  • Access the personal information we hold about you.

  • Request correction of inaccurate data.

  • Request deletion of your personal information.

  • Opt-out of certain data processing activities.

To exercise any of these rights, please contact us using the information below.

8. Changes to This Privacy Policy We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

9. Contact Us If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: