Privacy Policy

Updated: January 4, 2024

Novum Underwriting Partners LLC is committed to protecting the privacy of our internet visitors. If you choose to provide us with information, we will take reasonable precautions to keep your Personally Identifiable Information (PII) secure. PII means information that identifies you as an individual, such as your name and Social Security Number, as well as financial, health and other information about you that is nonpublic, and that we obtain so we can provide you with our services.

This Privacy Policy describes how we handle Personally Identifiable Information that we collect through:

• this website (“the Site”), the software applications made available by us for use on or through computers, mobile devices or other Internet-connected devices (the “Apps”), our social media pages; and

• other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you, and other formats).

By using NovumOnline services, you signify your acceptance of this Privacy Policy.

1. Information We Collect

We collect information about you from a number of different sources:

a. Information voluntarily provided by you on forms and applications both through our website and in other formats as needed.

b. We collect information about your transactions with us as well as affiliated companies.

c. We may, based on the specific situation, collect data about you from third parties such as credit reporting agencies as well as other third-party data suppliers.

If you use our platform, we may also collect information about the browser you are using. This information can include: your IP address or other device identifying information, browser type, language, date and time of your request, and one or more cookies that may uniquely identify your device; and information obtained through the use of cookies, web beacons or embedded script.

A ‘Cookie’ is a file that a website can add to your hard drive in order to collect information about your activities and to allow you to do business online. ‘Cookies’ do not contain confidential or personal information and are generally only readable by the website’s computer. ‘Cookies’ do not read any other information contained on your hard drive and do not track your activities once you leave the website.

‘Cookies’ can be turned on/off through your web browser. Our site may not work as intended if you elect not to accept cookies through your web browser.

Additional Information

We may supplement the information we collect about you with data from third-parties. This information may include information from other sources such as financial records, employment history, medical records or other third-party data; and information from other reporting agencies, state and federal government agencies, such as state motor vehicle departments and credit reporting agencies.

2. How we use the information we collect

We collect information for the purpose of providing a better experience and service to you, our customer. We may also use the information we collect in the following ways:

a. Regular business purposes

We use the information you provide to update your account(s), process or service requested or authorized transactions, secure quotations for insurance, obtain insurance coverage or report or process claims.

b. For our own analytic purposes

Novum Underwriting Partners LLC may also use your information to develop new services, conduct research and to create anonymous or aggregated reporting for its own use.

c. For our own marketing purposes

Novum Underwriting Partners LLC may use your information to offer products or services to you.

d. To comply with Legal Requirements

It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations or court orders. We may share information pursuant to a governmental agency or investigatory body request.

Please be aware that Novum Underwriting Partners LLC may be required to disclose an individual's personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.

3. How your information is shared

Novum Underwriting Partners LLC does not share, sell, rent or otherwise distribute your personal information except:

a. With our service providers and business partners

We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf. These parties are contractually restricted from using any personal information for purposes other than providing services for Novum Underwriting Partners LLC or on our behalf.

b. For administrative and legal reasons

Novum Underwriting Partners LLC also reserves the right to disclose or use information if it has a good faith belief that such action is necessary to:

protect and defend the rights, property, or liability of Novum Underwriting Partners or its affiliates, other users of this platform, or the public;
enforce the Terms and Conditions;
respond to claims that any content violates the rights of third-parties;
respond to claims of suspected or actual illegal activity;
detect, address or prevent fraud, security or technical issues; or
respond to an audit.

c. With business partners

We disclose personal and other sensitive information, as necessary, in providing our products and services. In order to sell, solicit, and negotiate insurance, we may disclose your information to insurers, reinsurers, insurance intermediaries, brokers, agents, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, lawyers, accountants, and others involved in the claims handling process.

4. How you can limit the sharing of your data

Novum Underwriting Partners LLC respects your privacy and your right to limit the sharing of your information. The following identifies ways in which you can limit the sharing of your information and data:

a. You can contact us at any time to limit our sharing by using the contact information at the bottom of this Privacy Policy. Please note, however, that federal law gives you the right to limit only:

Sharing for affiliates' everyday business purposes;
Affiliates from using your information to market to you; and
Sharing for non-affiliates to market to you.

State laws may give you additional rights to limit sharing.

You can also opt out of receiving marketing emails by unsubscribing, or following the instructions in any marketing email or text message you receive.

If you do not wish to allow our website to use cookies or similar tracking tools, you may configure your browser to block them. Please understand that electing to not accept cookies may limit the functionality of our site and services.

5. How Novum protects your information

Novum Underwriting Partners LLC protects your personal and private information through the use of encryption technology. We use industry standard security protocol (Secure Sockets Layer or "SSL") to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmitted over the Internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.

6. Additional concerns

a. Updating and correcting your information

Keeping your information accurate and up-to-date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting us.

b. Continued use of information

Even if you are no longer our customer, we may continue to share your information as described in this Privacy Policy.

c. External links and third-party Privacy Policies

Novum Underwriting Partners LLC may post links to third-party websites that are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third-party sites and are not responsible for the privacy practices of any third-party. We encourage you to read the privacy policies and terms of use of any third-party web sites you visit.

d. International Users

The Services are operated in the United States and intended for users located in the United States. If you access this site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. Furthermore, you acknowledge that the United States may not provide the same level of protections as the laws of your country.

e. Children

The Services are not intended for anyone under the age of 18, and we do not knowingly collect, use or disclose information of children under the age of 18. We will delete any personal information collected that we determine to be from a user younger than the age of 18.

f. Communication

For additional information, or if you have questions regarding this Privacy Policy or privacy practices at Novum Underwriting Partners LLC, please contact privacy@novumuw.com or via mail to:

Novum Underwriting Partners LLC

6155 Rockside Road, Suite 308, Independence, Ohio 44131

Changes to Privacy Policy

We reserve the right to update our Privacy Policy at any time. All changes are effective immediately when posted. We encourage you to periodically refer to our privacy policy so that you are aware of the current policy. Date of the last revision will be posted at the top of this policy.

Last Revision Date: January 4, 2024