Privacy Policy
What This Policy Is For
This Privacy Policy explains how we ("The Plateau Group, Inc.," operating as Lumos Insurance) collect, use, and disclose information about you when you visit lumosinsurance.com and/or any Lumos platform or application (the "Site") and/or use our System as defined in our Terms of Use. This Privacy Policy will be updated from time to time, without notice to you. By using and/or visiting our Site, you agree to this paragraph and the entirety of this Privacy Policy.
Your Consent
By visiting, using, or navigating our Site, you consent to the collection of Non-Personally Identifiable Information (non-PII). By completing any registration or submission form, you consent to the use of your Personally Identifiable Information ("PII") in accordance with this policy.
Protecting Your Private Information
Lumos Insurance makes all attempts to protect your private information. Your account information may be made available to Lumos staff members and designated subcontractors specifically to assist you with the services to which you have subscribed.
Lumos, or people who post on Lumos platforms, may provide links or interfaces with third-party websites, which may have different privacy practices. Lumos is not responsible for, and does not have any control over, the privacy policies of those third-party websites, and encourages all users to read the privacy policies of each website visited.
Lumos does not sell user or client data to third parties under any circumstance, including but not limited to advertising, data farming, and external research.
What Data We Collect
Personally Identifying Information (PII)
If you register for a Lumos account, we collect the following data: your email address, your physical contact information, your company information, and your phone number; information based on your activities on the Site; correspondence through the Site and correspondence sent to Lumos; additional information Lumos may ask you to submit including, but not limited to, information to authenticate yourself, information to prove that you are able to enter into a legally binding contract, or information if Lumos believes you are violating its policies; and other supplemental information from third parties. Lumos also collects data about how you use the Lumos Service, including but not limited to search data, call information, and other information that you access through the Service.
Lumos sometimes collects your email address for purposes such as sending confirmation emails, authenticating your accounts, and sending information about Lumos and its websites. By submitting your email to the Site, you consent to emails from Lumos. Lumos sometimes collects your phone number for the purpose of contacting you regarding your account and our services. By submitting your phone number to Lumos, you consent to phone calls from Lumos, even if such number is registered through a state or federal "Do Not Call" list.
Lumos may collect personal information if you provide it in feedback or comments or if you contact Lumos directly. Any information posted on the public areas of the Site is not confidential. Please do not post anything on the public areas of the Site that you would like to keep private.
Cookies
Cookies can be used to recognize your browser when you visit our Site, remember your preferences, and give you a personalized experience. These cookies collect information about your use of our Site and enable us to improve the way it works. For example, analytics cookies show us which are the most frequently visited pages on our Site. They help us record how you interact with our Site, such as how you navigate around pages and from page to page, and to identify improvements we can make. They also help identify any difficulties you have accessing our Services so we can fix any problems, and allow us to see overall patterns of usage.
Web Beacons
These are bits of data that count the number of users who access a Site or webpage and can also allow us to see if a cookie has been activated. Web beacons used on web pages or in emails allow us to see how successful a campaign has been or that an email message was successfully delivered and read. Web beacons are also used to verify any clicks through to links or advertisements contained in emails. We may use this information to help us identify which emails are more interesting to you. Web beacons may collect some PII, such as the email address associated with an email that contains a web beacon.
Tracking URLs
Tracking URLs are special web links that allow us to measure when a link is clicked on. They are used to help us measure the effectiveness of campaigns and the popularity of sections of the Site.
Device ID Data
If you access our Site or engage with our advertisements on your mobile device, we may collect a unique device identifier assigned to that device, geo-location data, and other transactional information for that device. Lumos does collect geotracking information. By using the Site and Services, you consent to such information being obtained by Lumos. We obtain information about your physical location through geolocation features on your device, including GPS (e.g., latitude and/or longitude). We may use this information to improve operational efficiency and enhance your user experience. We may also infer your location based on other information we collect, such as your IP address.
Tracking and Similar Technologies
We use these types of technologies to improve the services we offer. This can include delivering online messages or promotions based on your previous web browsing activity, known as "online behavioral advertising" (OBA).
Functional/Preference Cookies
These cookies collect information about your choices and preferences and allow us to remember things like your username (so you can log in faster). They allow us to customize the services you have accessed and to provide you with information about our services such as video clips or content from our blog.
Weblogs
Our web logs collect standard web log entries for each page served, including your IP address, page URL, and timestamp. Web logs help Lumos diagnose technical problems, administer the Site, and otherwise provide services to you.
How We Use and Share Data We Collect
Personally Identifying Information
We use PII to provide Services to you. In addition, even if you do not use the Services, we may use any PII that we have collected to send you information about our services, to provide content that we think you will find relevant, and for data analytic purposes.
Cookie Data
Unless you clear these cookies from your browser, we may use this information to: (i) provide aggregate Site behavior and insights, (ii) provide more relevant content, (iii) provide aggregate reports of usage activity, (iv) help understand how customers and visitors engage with our Site, (v) detect and defend against fraud and other risks, (vi) improve our Site, services, or products, and (vii) provide relevant content. The content on our Site and in our communications with you may be adjusted depending on what we know about the content, products, and services that you like.
Web Beacons, Tracking URLs, Device ID Data, and Similar Technologies
We target and measure the performance of ads and advertising campaigns to Site visitors directly or through a variety of technologies, using the following data, whether separately or combined: (i) data from advertising technologies on and off our Site, like web beacons, pixels, ad tags, cookies, and device identifiers; (ii) user-provided information (e.g., email, name, phone number); (iii) data from your use of our Site (e.g., search history, page visits, videos you watch, frequency and recency of visitation, clicking on an ad, etc.); and (iv) information inferred from the data described above.
Opt-In Email and SMS
If you have provided your personal email to receive communications from us, we follow email communication practices in accordance with CAN-SPAM Act compliance. Each email will have a visible unsubscribe option that will allow you to stop communication from us at any time.
A mobile user may opt in by entering their mobile number during the multi-factor authentication process. To opt out of authentication SMS messages, reply "STOP" or "OPTOUT."
Data Retention
We reserve the right to retain all data received indefinitely, including any PII received from you. However, we can only guarantee access to such information for three business days after it is received. Client information will be retained as stated in our Terms of Use.
In the event Lumos Insurance, The Plateau Group, Inc., its successors, any of its subsidiaries, or its services is acquired or purchased, everything mentioned in this paragraph will be included in said sale, purchase, or acquisition.
Archiving and Display of the Site by Search Engines and Other Websites
Search engines and other websites not affiliated with Lumos — including Google.com and Yahoo.com — may archive or otherwise make available Lumos's main public-facing corporate pages. Lumos has no control over third-party archiving and search engine websites and cannot guarantee the accuracy of any information stored by these websites.
Circumstances Under Which Lumos May Release Information
Lumos may disclose information about its users if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal processes.
Lumos may disclose information about its users, including but not limited to account information, to law enforcement officers or others, in the good faith belief that such disclosure is reasonably necessary to: enforce Lumos's Terms of Use; respond to claims that any posting or other content violates the rights of third parties; or protect the rights, property, or personal safety of Lumos, its users, or the general public.
Lumos may disclose information, including personal information from your account, to a third party if you request it in writing.
Lumos may disclose your information to third parties to help provide services to you if allowed under federal, state, and local laws.
Lumos may disclose your information to other business entities should Lumos plan to merge with or be acquired by that business entity. Client data will only be transferred if a merger or acquisition actually takes place.
International Users
International website users consent to all the terms of service and this privacy agreement. International users waive any and all remedies that they may have based on the laws of their country.
Helpful Resources
To learn more about advertisers' use of cookies, the following links may be helpful:
Browser manufacturers provide help pages relating to cookie management in their products:
For other browsers, please consult the documentation that your browser manufacturer provides.
Contact Information
By email: support@lumosinsurance.com
By mail: The Plateau Group, Inc. | 2701 N. Main Street | Crossville, TN 38557
By phone: 800-752-8328
Privacy Policy Statement – Updated 2026
Plateau Insurance Company (NAIC #97152) | Plateau Casualty Insurance Company (NAIC #10817) The Plateau Group, Inc. | Crossville, TN