LisaCo, LLC is a licensed Michigan life and health insurance agency.
Lisa Scholnick is a licensed Michigan life and health insurance agent.
Effective Date: October 21, 2025
LisaCo, LLC
6632 Telegraph Road, Suite 368
Bloomfield Hills, MI 48301
Email: lisa@lisacollc.com
Phone: 248-723-1040
Website: https://lisacollc.com
1. Our Commitment to Your Privacy
LisaCo, LLC (“we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information obtained through our website, text messaging services, and other communications.
This Policy applies to all visitors, clients, and prospects interacting with us through any channel, including phone, SMS/MMS, email, fax and web forms.
Insurance services offered outside of the State of Michigan are provided under Lisa Scholnick’s individual licenses and not through LisaCo, LLC. Regardless of licensing jurisdiction, all client information is handled in accordance with this Privacy Policy.
Regulatory Compliance
LisaCo, LLC complies with applicable federal and state privacy, data-security, and communications laws governing the protection of consumer and client information. This includes, where applicable, the Gramm–Leach–Bliley Act (GLBA) for financial and insurance institutions, the Telephone Consumer Protection Act (TCPA) for text and voice communications, and the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) for California residents.
Depending on the type of information processed, we may also comply with additional federal or state requirements such as the Health Insurance Portability and Accountability Act (HIPAA) for protected health information, the Children’s Online Privacy Protection Act (COPPA) for minors under 13, and state-specific data-security or breach-notification laws.
We continually review our practices to ensure compliance with these laws and to maintain appropriate administrative, technical, and physical safeguards to protect non-public personal information (NPI).
By using this website or communicating with us, you agree to the practices described in this Privacy Policy.
2. Information We Collect
We collect personal, technical, and service-related data necessary to provide and manage insurance services.
A. Personal Information You Provide:
- Name, address, phone number, and email address
- Date of birth, social security number, occupation, marital status, and employment information
- Health or financial information (as needed for insurance applications)
Information submitted via our contact forms or when communicating with our licensed agents, brokers, employees, or authorized representatives.
We may also obtain information from insurance carriers, financial institutions, or authorized partners involved in processing your application or servicing your policy.
B. Website & Technical Data:
- Browser type, device type, IP address, operating system, and referring URLs
- Cookies and analytics data (via Google Analytics and reCAPTCHA)
C. Service Information:
We collect and process information necessary to provide and service insurance products, including insurance quotes, applications, policy and claim information, service forms, beneficiary or ownership updates, and other administrative or transactional documents related to your coverage.
3. How We Use Your Information
We use your information to:
- Provide, manage, and service insurance products and communications.
- Respond to inquiries, process applications, issue policies, and deliver requested forms, documents, or services.
- Communicate about account updates, scheduling, and product information.
- Send legally permitted marketing or educational content (subject to your consent).
- Meet legal, regulatory, or contractual obligations under federal and state insurance laws.
- Provide customer service, maintain internal records, and improve our communications and website performance.
4. SMS/MMS Text Messaging
All text messaging practices comply with the Telephone Consumer Protection Act (TCPA) and carrier 10DLC standards.
We may communicate with you through SMS/MMS text messaging for both service-related and promotional purposes.
Consent and Opt-In
By providing your mobile number and checking the consent box on our website, or by texting us directly at 248-723-1040, you consent to receive SMS/MMS messages from LisaCo, LLC.
- Message frequency may vary.
- Message and data rates may apply.
- Reply STOP to opt-out or HELP for assistance at any time.
- Your consent to receive texts is not a condition of purchasing any product or service.
- You may also contact us by phone or email to revoke consent.
SMS/MMS Privacy Commitment
- We do not sell, rent, share, or disclose your SMS/MMS consent data, mobile number, or opt-in status to third parties or affiliates.
- SMS/MMS data is used solely for the communications you’ve requested.
- All SMS/MMS opt-in records are securely stored and may be retained for compliance auditing purposes.
5. Third-Party Platforms and Integrations
We may share data with trusted partners who perform business or regulatory functions on our behalf, including:
- Insurance carriers (e.g., Guardian, MassMutual, Standard, Principal, etc.)
- Independent Marketing Organizations (IMOs), Brokerage General Agencies (BGAs), and Field Marketing Organizations (FMOs)
- Marketing or lead systems (e.g., Salesforce, Pardot)
- Hosting and IT providers (e.g., IGD Solutions, GoDaddy)
- Regulatory and compliance entities when required by law
Each third party is required to protect your information and use it only for lawful purposes consistent with this Privacy Policy. These parties are bound by confidentiality and data-protection agreements.
6. Cookies and Tracking Technologies
Our website uses cookies and similar tools to improve performance and analyze usage through Google Analytics. Google Analytics data is anonymized and does not identify individual users. We do not use advertising or retargeting cookies.
Cookies may collect technical information such as your IP address, device type, and browsing behavior.
You can control or disable cookies in your browser settings.
7. Data Security
We employ administrative, technical, and physical safeguards to protect your personal data from unauthorized access, disclosure, or misuse.
Examples include secure servers, encrypted communications, and restricted data access protocols.
8. Retention of Information
We retain personal data only as long as necessary to provide our services, meet legal obligations, or maintain records for regulatory compliance.
9. Disclosure of Information
We do not sell or rent personal information. We may share it only when:
- Required by insurance carriers, service providers, Independent Marketing Organizations (IMOs), Brokerage General Agencies (BGAs), and Field Marketing Organizations (FMOs) for underwriting, servicing, or claims purposes.
- Required by law, subpoena, or regulatory authority.
- Necessary to protect our rights, safety, or property or that of our clients.
10. Your Privacy Choices
- Opt-Out: You may opt out of SMS/MMS or email communications at any time.
- Access or Correction: You may request access to, correction of, or deletion of your personal data.
- Cookies: You may disable cookies through your browser.
For verification purposes, we may request limited information to confirm your identity before fulfilling your privacy request.
Requests can be made by email to lisa@lisacollc.com.
11. Rights for California Residents (CCPA/CPRA)
If you reside in California, you have the right to request access, correction, deletion, or portability of your personal data.
We do not sell or share personal information as defined under the CCPA.
We will respond to verified consumer requests within the timeframe required by California law.
To exercise your rights, contact us by email at lisa@lisacollc.com.
12. Children’s Privacy
We do not knowingly collect personal data from children under 13. Our website and services are intended for adults and are not directed to children under 13. If we discover such information, we promptly delete it.
13. Policy Updates
We may modify this Privacy Policy from time to time without prior notice as laws or business needs evolve. Updates will be posted on this page with a revised effective date.
14. Contact Us
If you have any questions about this Privacy Policy, your personal information, or your communication preferences, you may contact us at:
LisaCo, LLC
6632 Telegraph Road, Suite 368
Bloomfield Hills, MI 48301
Email: lisa@lisacollc.com
Phone: 248-723-1040
Website: https://lisacollc.com