Privacy Policy

MyLumpsum.com > Privacy Policy

Your privacy is important to MyLumpsum and its affiliated companies (hereinafter collectively referred to as “we,” “us,” “our” or “MyLumpsum”). Because your privacy is our concern, we have developed this Privacy Policy to inform you about MyLumpsum’s privacy practices. This Privacy Policy covers how we collect, use, disclose, transfer, and store your information. The examples in this Privacy Policy are illustrative only and are not intended to be exhaustive.

INFORMATION COLLECTED

We use the term “Personal Information” to mean any information that could reasonably be used to identify you, including your name, address, telephone number(s), driver’s license number, occupation, date of birth, social security number, personal or business tax identification numbers, insurance or annuity policy information, legal information (such as judgment, liens, bankruptcies, etc.), credit history, reports from the National Association of Settlement Purchasers; and medical information (such as your health status and treatment history). The information we obtain depends on the context of your interactions with us. We may obtain such information directly from you on our website (the “Site”) or by telephone, and/or from applications, contracts, documents and forms you complete or sign. We may obtain additional information about you or, with your authorization, about others who may have an interest in your insurance or annuity policy, from your insurance or annuity company, insurance producer, health care providers, creditors, credit reporting agencies, and from your representatives or advisors. We may also obtain information about you from public records and, with your authorization, from other persons.

We use the term “Anonymous Information” to mean any information that does not identify you, and may include, for example, aggregated demographic information and statistical information concerning how you and other visitors use our website (the “Site”).

USE OF PERSONAL INFORMATION

We use the Personal Information you provide for purposes of the transactions or information that you request. As permitted by law, or as authorized by you, we may share your Personal Information with affiliated and non-affiliated companies that provide services related to information or transactions you request, and under the following additional circumstances: (i) for us to establish or exercise our legal rights or to defend against legal claims; (ii) in connection with a proposed or actual sale, merger, transfer, exchange or consolidation of DRB Capital, an affiliated company or any portion thereof; (iii) to secure or obtain services and/or advice from our attorneys, accountants, advisors and auditors; and (iv) to permit our affiliates to contact you about products or services. We may also disclose your Personal Information to others for other purposes, with your authorization or otherwise as required or permitted by law.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

USE OF ANONYMOUS INFORMATION

We may share Anonymous Information with our partners and resources.

FORMER CONTACTS OR INQUIRIES

We treat information obtained from past contacts and inquiries in the same manner we treat information that we obtain through current or future contacts or inquiries.

CONFIDENTIALITY AND SECURITY

We restrict access to your Personal Information to our employees who need this information in connection with your current or future transaction(s) or to provide you information that you may request from us. We maintain electronic, procedural, and physical safeguards to guard your nonpublic information. We take precautions to protect your information, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While the computers/servers in which we store your Personal Information are kept in a secure environment, we cannot guarantee absolute security.

UPDATES TO OUR PRIVACY POLICY

We reserve the right to change this privacy policy at any time. If our information practices change, we will post the changed policy to our website. These privacy principles do not constitute a contract, create legal rights, or supersede any preexisting agreements with clients.

“COOKIES”

We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

LINKING

Our Site may contain links to other affiliated websites. Because we do not control the content of websites linking to or from our Site, we are not responsible nor can we make representations regarding the content of those websites or their individual privacy policies. We encourage you to read the privacy policies of any website that links to or from our Site that collects personally identifiable information.

*NOTICE TO CALIFORNIA RESIDENTS

DRB Capital collects information that you provide to us or that we learn about you, as described in this Privacy Policy. California residents who interact with DRB Capital may request certain information.

    • You can ask us what personal information we have about you, including a list of categories of your personal information that we have sold and a list of categories of your personal information that we have shared with another company for a business purpose.

If you make this request, we will return to you (to the extent required by law):

    • The categories of personal information we have collected about you.
    • The categories of sources from which we collect your personal information.
    • The business or commercial purpose for collecting or selling your personal information.
    • The categories of third parties with whom we share personal information.
    • The specific pieces of personal information we have collected about you.
    • A list of categories of personal information that we have sold, along with the category of any other company we sold it to. Any of the categories of personal information that we collect could be included in a sale to other companies, including those within our corporate family. If we have not sold your personal information, we will inform you of that fact.
    • A list of categories of personal information that we have disclosed for a business purpose, along with the category of any other company we shared it with.
  • You can ask us to correct inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information.
  • You can ask us to provide you with this information within a twelve-month period. When you make this request, the information provided may be limited to personal information we collected about you in the previous 12 months.
  • You can ask us to delete your personal information. Once we receive a request, we will delete from our records (to the extent required by law) the personal information we hold about you, as of the date of your request, and direct any service providers to do the same. Deletion is required unless the personal information is necessary to:
    • Complete the transaction for which the personal information was collected;
    • Fulfill warranty terms or product recall;
    • Complete a structured settlement or annuity transfer requested by you, reasonably anticipated by you within the context of an ongoing business relationship with you, or otherwise perform a contract with you;
    • Help to ensure security and integrity to the extent the use of your personal information is reasonably necessary and proportionate for those purposes;
    • Debug to identify and repair errors that impair existing intended functionality;
    • Exercise free speech or another right provided by law;
    • Comply with the California Electronic Communications Privacy Act;
    • Engage in public or peer-reviewed scientific, historical, or statistical research if you have provided informed consent;
    • To enable solely internal uses that are reasonably aligned with your expectations;
    • Comply with a legal obligation;
  • You have the right to ask that we stop selling your personal information. We do not sell your personal information to third parties for monetary consideration. However, under some circumstances a transfer of personal information to a third party, or within our affiliates and subsidiaries, may be considered a “sale” under California law. If you submit a request to stop selling your personal information, we will stop making such transfers.
  • You have the right to direct us to limit our use of your sensitive personal information to that use which is:
    • Necessary to complete the structured settlement or annuity purchase in a manner reasonably expected by the average seller of a structured settlement or annuity
    • Necessary for business purposes including:
      • Ensuring security and integrity to the extent the use of your personal information is reasonably necessary and proportionate for these purposes
      • Short-term, transient use provided that your personal information is not disclosed to another third party and is not used to build a profile about you.
      • Servicing accounts, providing customer service, fulfilling orders, and other similar services on behalf of the business
      • Undertaking activities to verify or maintain or enhance the quality or safety of a service or device owned by us.
  • We have a nondiscrimination policy. DRB Capital will not discriminate against you for exercising your rights. This generally means we will not deny doing business with you or offer you a different purchase price or rates.

To exercise the California privacy rights to request or delete information as described above, please email info@DRBmail.com or call (855) 599-1700. You may also write to our legal department with any questions or comments about this Policy or about how we handle your personal information at:

Legal – Privacy Policy
1625 S. Congress Avenue, Suite 200A
Delray Beach, FL 33445

Date Policy last updated: May 2023

*NOTICE TO NEVADA RESIDENTS

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by contacting us. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email: BCPINFO@ag.state.nv.us.

*NOTICE TO VERMONT RESIDENTS

In accordance with Vermont law, we will not share information we collect about Vermont residents with companies that are not affiliated to us for the purpose of direct marketing, except with your consent or as permitted by law, such as is necessary to service, audit or fund your transactions. We might share your name and contact information with third parties that assist us in our direct marketing efforts.

*NOTICE TO RESIDENTS OF THE EUROPEAN UNION AND THE UNITED KINGDOM

At this time, DRB Capital does not conduct business with residents of the European Union or the United Kingdom (collectively, the “EU/UK”) and, therefore, does not intend to collect Personal Information of residents of the EU/UK. If you are a resident of the EU/UK, DO NOT USE THE SITE. In the event DRB Capital inadvertently collects and/or processes Personal Information of EU/UK residents, please note that DRB Capital processes Personal Information both as a Processor and as a Controller, as those terms apply under the General Data Protective Regulation of the EU and the United Kingdom General Data Protection Regulation (collectively, the “GDPR”). If you are a resident of the EU/UK and we have inadvertently collected your Personal Information, you have the right to access the information we have on you, and to ask that we correct or delete the data. If requested by you, we will send you a copy of your Personal Information electronically. IF YOU DO NOT AGREE TO THE USE OF COOKIES, PLEASE CONTACT US. This notice, as amended, is effective May 11, 2023.

CONTACT INFORMATION

If you have any request or questions concerning our Privacy Policy, please call 1-855-599-1700 or write to us at:

DRB Capital – MyLumpsum.com
1625 S. Congress Avenue, Suite 200A
Delray Beach, FL 33445