Lewer Privacy Policy

  1. Introduction

This privacy policy (“Privacy Policy”) describes how The Lewer Companies, which includes The Lewer Agency, Inc. and Lewer Life Insurance Company and their affiliates and subsidiaries (“The Lewer Companies” “Lewer”, “we”, “us” or “our”) collect, use, store, and share your information when (1) you access and/or use our websites, mobile applications, or other digital properties we own and operate, including www.lewer.com, www.lewerglobal.com, and any other digital property that directly links to this Privacy Policy  (“Websites”); (2) you use our products and services (“Services”); (3) you communicate with us in any manner, including by email, direct messaging, telephone, and/or in person (“Communications”); and (4) we interact with certain third party partners. 

Please note the following sections that include important disclosures related to our Websites and Services:

  • Cookies, Advertising, and Tracking Technology Disclosures: To learn more about how our Websites, Products, and Communications use cookies and related technologies (including from Third Parties), see Automatic Information Collection Technologies below.
  • Your Choices Disclosures: To learn more about your choices concerning your information, see Your Choices below.

SEPARATE HIPAA NOTICE OF PRIVACY PRACTICES: We also provide healthcare related services that may be governed under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) in connection with information legally considered “protected health information.” Information related to our data processing practices in connection with protected health information is found in our separate Notice of Privacy Practices found here. 

  1. What Type of Information Do We Collect?

Depending on how you interact with our Websites and Services, the nature of our Communications, and how we may interact with certain third-party partners, we may collect the following pieces of your information: 

  • Basic Identifying Information. Information you provide when you contact us: full name, e-mail address, phone number, student ID number, and other similar identifiers.
  • Device Identifier and other Unique Identifiers. Information such as your device identifier, internet protocol (IP) address, cookies, beacons, pixel tags, mobile ad identifier, and other unique identifiers.
  • Internet or Other Network Activity. Information such as your browsing or search history, and other information regarding your interactions with our Websites, emails, and advertisements.
  • Demographic Data. Information including your gender and data of birth. 
  • Geolocation Data. Information including imprecise location data (such as location derived from an IP address or data that indicates a city or postal code level) and, with your consent, precise location data (such as latitude/longitude data). 
  • School Data. Information including the school you attend, your major and minor of study, expected graduation year. 
  • Interest Data. Information about you that you choose to provide such as where you may want to study abroad or other information on an application form.  
  • Audio and Visual Information. Information such as videos and recordings of your voice (such as when we record customer service calls for quality assurance). 
  • Inferences. Information such as inferences drawn from or created based on the information identified above. 

You may choose to voluntarily provide other information to us that we do not request, and, in such instances, and in such situations we have no control over what categories of personal information such disclosure may include. Any additional information provided by you to us is provided at your own risk.  

  1. How Do We Collect Your Information?

We collect your information in three ways: (1) directly from you when you use our Websites, Services, and Communicate with us; (2) automatically using online technologies when you engage with our Websites, Services, and Communications; and (3) from our third party partners.

  • Directly from you. We collect information directly from you when you enter your information on our Websites, create an account for our Services, update your profile, access our content, participate in our rebate programs, take a survey or a poll or enter a contest, use our Websites and Services, engage in Communications with us, or sign-up to receive emails, text messages, or certain other Communications from us. 
  • Automatically Using Online Technologies. When you visit our Websites, open or click on emails we send you or related Communications, or interact with our advertisements, we or other third parties may automatically collect certain information about you using online tracking technologies such as cookies, pixels, web beacons, software developer kits, and related technologies. For more information, see Automatic Information Collection Technologies below. 
  • From Our Partners. We collect information from our third-party partners, such as brands, data analytics providers, marketing or advertising providers, fraud prevention service providers, and vendors that provide services.  
  1. Automatic Information Collection Technologies

A. Technologies Used

  • Cookies. Cookies are small bits of data cached or stored on your computer based on Internet activity. Information collected through cookies may be obtained directly by or shared with third parties so that those third parties can provide analytics and advertising services to us. We use first party and third-party cookies and other tools to monitor individual activity in aggregate to improve the Site. The information we gather includes IP address, user language, the operating system, browser type, the presence/absence of “flash” plug-ins, screen resolution, connection type, browsing behavior, and information that identifies the cookie. You may update your cookie preferences by clicking here: Cookie Preferences.
  • Pixels: Pixels (also known as web beacons) are types of code embedded in a website, video, email, or advertisement that sends information about your use to a server. When you access a website, video, email, or advertisement that contains a pixel, the pixel may permit us or a separate entity to drop or read cookies on your browser.
  • Software Development Kits (SDKs): Software Development Kits (also known as “SDKs”) are sets of tools and code provided by third parties that are embedded in our mobile applications to enable specific functionalities and improve user experience. Some SDKs may collect data directly from your device, such as your IP address, device type, or usage patterns, to support these functions.
  • Analytic Tools: We use third-party analytics providers such as Google Analytics on the Sites. Google Analytics uses cookies and similar technologies and IP address to collect and analyze information about use of the Services and report on activities and trends. Google Analytics may also collect information regarding the use of other websites, apps, and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/.

B. Purpose For Using Automatic Information Collection Technologies

  • Functionality, Support and Security: Some of the online tracking technologies like the cookies we use for a variety of functionality and support purposes, such as to recognize your device, facilitate navigation, display information more effectively, personalize your experience such as recognize you when you leave or return to our Site, maintain the security of our Sites, manage your account, prevent crashes, fix bugs, save your preferences, and assist with basic Site functions and other performance functions. 
  • ReCAPTCHA: We utilize Google reCAPTCHA on certain parts of our Site to help protect against spam, abuse, and fraudulent activity. reCAPTCHA analyzes interactions with the Site to determine whether an action is being performed by a human or an automated process. This service may collect information such as your IP address, browser details, and user behavior data, which is transmitted to and processed by Google in accordance with Google’s Privacy Policy and Terms of Service. The use of reCAPTCHA is essential for maintaining the security and integrity of our Site and your information.
  • Targeted Advertising, Marketing Measurements: Pixel tags may be used to market our services to you, measure the success of our marketing campaigns, and compile statistics about Site usage and response rates.  In addition, we may use the information we have collected from you to enable us to display targeted third-party advertisements on our website. Some advertisements on this website are served by third-party advertisers, ad networks, and ad servers. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you. 

Some of these tracking technologies may track your activities across time and services for purposes of associating the different devices you use, and delivering relevant ads and/or other content to you (“Interest-based Advertising”). 

We also use audience matching services to reach people (or people similar to people) who have visited our Service or are identified in one or more of our databases (“Matched Ads”). This is done by us uploading a customer list to a technology service or incorporating a pixel from a technology service into our own Service, and the technology service matching common factors between our data and their data. 

Third party technologies we have implemented on our Websites and through our Services include the following: 

  • Meta (Facebook) Pixel: We use the Meta (formerly Facebook) Pixel to collect information about how users interact with our site. This helps us measure the effectiveness of our advertising and deliver more relevant ads on Meta platforms (such as Facebook and Instagram). Meta may use cookies and similar technologies to collect information such as your IP address, browser type, pages visited, and actions taken on our site. This data may be used by Meta in accordance with its Privacy Policy. For more information related to your choices related to data shared with Meta, please see Your Choices below. 
  • Facebook Custom Audience: We participate in Meta’s (Facebook’s) Custom Audiences service, which allows us to upload contact information—such as email addresses or phone numbers—that you have provided directly to us, so that we can show you tailored advertisements. We may use cookies, web beacons, and similar technologies to collect or receive information from our Websites and across the web, and share this information with Meta as part of its services to us. Meta may also use data in accordance with their privacy policy. For more information related to your choices related to data shared with Meta, please see Your Choices below
  • GoogleAds/DoubleClick: We use Google advertising and measurement technologies—such as Google Tag and Google Ads remarketing—to help show ads, measure their effectiveness, and understand how people use our site. These tools allow Google and other third-party vendors to set and read identifiers (e.g., cookies or device identifiers) and to serve ads based on your past activity on our site or app. More information about your choices can be found in Your Choices below. 

We do not control these third parties’ tracking technologies or how they may be used. 

  • Behavioral Analytics: We also use pixels in combination with cookies to track activity by a particular browser on a particular device. These pixels are provided by a third party and certain information may be shared back with such provider. In addition, we may use technologies included in applications (that are not browser-based like cookies and cannot be controlled by browser settings), such as SDKs, to track our communications, bring you advertising, and provide you with additional functionality, such as the ability to connect your account on our Sites with other third-party services. For more information about Advertising, please see Retargeting and Advertising below.
  • Site Analytics: We use analytics services, such as Google Analytics, to help us understand how users access and use the Sites through the use and sharing of cookies. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/.

For information about your choices related to automatic data collection technologies and your ability to opt out of certain sharing of information, please see Your Choices below.

  1. How Do We Use Your Information?

We use your information for a variety of purposes, including to:

  • Provide our Websites and Services to You. We use your information to provide our Websites and Services to you, including to: (1) facilitate your access and use of our Websites; (2) process your feedback; (3) send you notifications; (4) answer your Communications; and (5) perform other related business functions. 
  • Communicate with You. We use your information to engage in Communications with you, such as to respond to your requests, inquiries, issues, feedback, and to provide customer service.
  • Market and Advertise. We use your information for marketing and advertising purposes, including sending marketing, advertising, and promotional communications to you by email, text message, or postal mail. We also use your information to show you advertisements for Services and to administer our sweepstakes and other contests.
  • Conduct Analytics and Personalization. We use your information to conduct research and analytics, including to improve our Websites and Services. We also use your information to understand your interaction with our Websites, advertisements, Services, and our Communications with you. We also use your information to personalize your experience, to save you time when you visit our Websites and use our Services, to better understand your needs, and to provide personalized recommendations for our Services.  
  • Security and Fraud Prevention. We use your information to detect, investigate, prevent, or take action regarding possible malicious, deceptive, fraudulent, or illegal activity, including fraudulent transactions. We also use your information to enforce our terms and procedures, prevent against security incidents, and prevent the harm to other users of our Services.
  • Legal Obligations. We use your information to comply with our legal and regulatory obligations, to establish and exercise our rights, and to defend against legal claims.
  • Business Functions. We use your information to support our core business functions, including to maintain records related to business management, loss prevention, collecting amounts owed, and identifying and repairing errors or problems in the Websites.
  1. How Do We Disclose Your Information?

We may disclose or share your information with affiliated and non-affiliated third-parties, including in the following scenarios:

  • With your Consent. We may disclose or share your information with your consent, which may be obtained in writing; online, through “click-through” agreements; when you accept the terms of use on our Websites; orally, either in person or on the phone; or by other means.
  • In a Business Transfer. We may disclose or share your information as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred to third parties as a business asset in the transaction.
  • To Non-Affiliated Third Parties. We may disclose or share your information with certain non-affiliated third parties to facilitate your access and use of our Websites, our Services, and to provide us with certain business functions, including but not limited to sharing your information with brand partners, internet service providers, advertising networks, data analytics providers, governmental entities, operating systems and platforms, social media networks, and other service providers who provide us a service (e.g., customer service, auditing, marketing, debugging to identify and repair errors that impair existing intended functionality on our Websites, and/or protecting against malicious, deceptive, fraudulent, or illegal activity).
  • For Legal Process and Protection. We may disclose or share your information to satisfy any law, regulation, legal process, governmental request, or where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to: (1) enforce or apply our agreements; (2) protect our interests, property, or safety of others; (3) in connection with claims, disputes, or litigation; and (4) to protect our Websites.
  1. How Do We Protect Your Information?

Although no system can guarantee the complete security of your information, we take all commercially reasonable steps to ensure your information is protected in alignment with all applicable laws and regulations, as appropriate to the sensitivity of your information.

  1. How Long Do We Keep Your Information?

We keep your information for as long as is necessary in accordance with the purpose for which it was collected, our business needs, and our legal and regulatory obligations. If we dispose of your information, we will do so in a way that is secure and appropriate to nature of the information subject to disposal.

  1. Links To Third Party Sites

Our Websites and Services may contain links to third party websites and services. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review.

  1. Your Choices
    1. Communications

The following is information about how to opt out of receiving certain communications from us, depending on means of delivery: 

  • E-mails. You can opt-out of receiving promotional emails from us at any time by following the instructions as provided in emails to click on the unsubscribe link, or emailing us at the email address set out as set out in the Contact Us section below with the word UNSUBSCRIBE in the subject field of the email. Please note that you cannot opt-out of non-promotional emails, such as those about your account, transactions, servicing, or our ongoing business relations.
  • Phone & SMS Text Messaging. You can opt-out of receiving text messages or calls to your phone number at any time by (i) for text messages, texting “STOP” in response to any text message you receive from us or contacting us as set out in the Contact Us section below and specifying you want to opt-out of text messages; and (ii) for calls, requesting opt-out during any call you receive from us or contacting us as set out in the Contact Us section below and specifying you want to opt-out of calls.
  • Push Notifications. If you have opted-in to receive push notification on your device, you can opt-out at any time by adjusting the permissions in your device or uninstalling our mobile application.
  1. Cookies and Tracking Technologies

The following disclosures relate to your choices in connection with cookies and other tracking technologies: 

Please be aware that if you disable or remove tracking technologies, some parts of the Service may not function correctly. If you disable or refuse cookies, some parts of this website may then be inaccessible or not function properly.

  • Mobile Application and Location Technologies. You can stop all collection of information via our mobile application by uninstalling the mobile application. You can also reset your device Ad Id at any time through your device settings, which is designed to allow you to limit the use of information collected about you. You can stop all collection of precise location data through the mobile application by uninstalling the application or withdrawing your consent through your device settings.

Please be aware that if you disable or remove tracking technologies some parts of the Service may not function correctly.

  1. Analytics and Interest-Based Advertising.

Google provides tools to allow you to opt out of the use of certain information collected by Google Analytics at https://tools.google.com/dlpage/gaoptout and by Google Analytics for Display Advertising or the Google Display Network at https://www.google.com/settings/ads/onweb/.

The companies we work with to provide you with targeted ads are required by us to give you the choice to opt out of receiving targeted ads. Most of these companies are participants of the Digital Advertising Alliance (“DAA”) and/or the Network Advertising Initiative (“NAI”). To learn more about the targeted ads provided by these companies, and how to opt out of receiving certain targeted ads from them, please visit: (i) for website targeted ads from DAA participants, https://www.aboutads.info/choices; (ii) for app targeted ads from DAA participants, https://www.aboutads.info/appchoices; and (iii) for targeted ads from NAI participants, https://www.networkadvertising.org/choices/. Opting out only means that the selected participants should no longer deliver certain targeted ads to you, but does not mean you will no longer receive any targeted content and/or ads (e.g., in connection with the participants’ other customers or from other technology services).

Facebook: You may control how Facebook shows you ads by adjusting your settings in your Facebook account or visiting https://www.facebook.com/settings?tab=ads.  

Google Ads: Users can opt out of cookies used by Google for advertising. Each site where the privacy policy is posted must provide users with at least one of the following two options for opting out:

  • Opting out of Google advertising cookies: Users can opt out of Google’s use of cookies for advertising, including DoubleClick cookies, by visiting Google’s Ads Settings page.
  • Opting out of cookies from all participating advertisers: Users can opt out of third-party advertising cookies from a wide range of advertising services, including Google, by visiting the NAI’s Opt-Out page.

Please note that if you opt out using any of these methods, the opt out will only apply to the specific browser or device from which you opt out. We are not responsible for the effectiveness of, or compliance with, any opt out options or programs, or the accuracy of any other entities’ statements regarding their opt out options or programs. 

  1. Children

Our Websites and Products are not intended for children under the age of 13. This includes any links to other websites that we provide for our convenience. We don’t knowingly collect the information of children under 13 for any reason.

  1. Changes to Our Privacy Policy

We may change this Policy from time to time. Any and all changes will be reflected on this page, and where appropriate provided in person or by another electronic method. The effective date will be stated at the bottom of this Policy. You should regularly check this page for any changes to this Policy.

  1. Accessibility

If you require a copy of this Privacy Policy in an alternative format, please Contact Us. 

  1. Contact Us

If you have any comments or questions, please contact us through the following methods: 

Physical Address: 9900 W. 109th St., Suite 200, Overland Park, KS 66210

Email: [email protected] 

  1. California “Shine The Light” Law

If you are a California resident, you have the right to request information from us once per calendar year regarding the customer information we share with third parties for the third parties’ direct marketing purposes. To request this information, please send an email to [email protected] with ‘Request for California Privacy Information’ in the subject line and in the body of your message. We will provide the requested information to you via an email response.

  1. California’s “Eraser Button” Law

If you are a California resident under 18 years old and a registered user of the Website (as defined above), you can request that we remove content or information that you have posted to our website or other online services. Fulfillment of the request may not ensure complete or comprehensive removal (e.g., if the content or information has been reposted by another user). To request removal of content or information, please send an email to [email protected] or contact us as otherwise provided in the Contact Us section above.

Last Updated: November 24, 2025