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GLBA Consumer Notice

Rev. October 27, 2026

FACTS

WHAT DOES BATNAC, LLC D/B/A LUVA DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income information

  • Contact details and demographic information

  • Family, health, medical, and financial information

  • Financial, credit, and employment information

  • Property and vehicle information, driving history, and insurance information

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Luva chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does Luva share?

Can you limit this sharing?

For our everyday business purposes - such as to process your transactions, maintain your profile, prevent or detect fraudulent or illegal activity, improve our services, or respond to court orders and legal investigations

Yes

No

For our marketing purposes - to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes - information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes - information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We do not share

To limit our sharing

Call +1 (302) 364-5882, email us at [email protected], or visit us online: www.luva.com.

Please note: If you are a new customer, we can begin sharing your information immediately from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call +1 (302) 364-5882, email us at [email protected], or visit us online: www.luva.com.

Who we are

Who is providing this notice?

Batnac, LLC, d/b/a Luva

What we do

How does Luva protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Luva collect my personal information?

We collect your personal information, for example, when you:

  • complete our form to request a quote for insurance,

  • use the insurance-related products and services we offer

We may also collect your personal information from others, such as your employer, banks, and other financial institutions.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes - information about your credit worthiness,

  • affiliates from using your information to market to you, and

  • sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information

Nevada: If you are a consumer with a Nevada mailing address, and you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by contacting us at +1 (302) 364-5882 or [email protected]. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email [email protected] or [email protected]

Vermont: If you are a consumer with a Vermont mailing address, we will not share information we collect about you with companies outside of Luva, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements.

California: If you are a consumer with a California mailing address, we will not share information we collect about you with companies outside of Luva, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled.