These Provisions for California Residents ("Provisions") supplement the information contained in the policygrowth.com (the “Privacy Policy”) and do not limit it in any way. These Provisions apply exclusively to residents of California ("CA Users"). We adopt these Provisions in compliance with the California Consumer Privacy Act of 2018 ("CCPA") and other applicable California privacy laws. Any terms defined in the CCPA have the same meaning when used in these Provisions. Users with disabilities who need these Provisions in an alternative format can contact us by calling (855) 953-5754, emailing [email protected], or sending mail to: 30 N. Gould St., Sheridan, WY 82801.
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular User or device ("personal information"). Specifically, we have collected the following categories of personal information from Users within the past twelve (12) months:
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver's license or State identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. Note: Personal information included in this category (1) does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records, and (2) may overlap with other categories. |
YES |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
| F. Internet or other similar network activity. | Browsing history, search history, information on a User's interaction with a website, application or advertisement. | YES |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for the following business purposes:
We will not collect additional categories of personal information or use the collected information for materially different, unrelated, or incompatible purposes without providing notice.
Subject to your right to opt-out, we may share, rent, and/or sell your personal information with/to third parties for marketing and other business purposes. When we disclose personal information to third-party service providers or other entities, we enter into contracts that specify the purpose for which the third party may use the personal information and require them to keep it confidential and use it only for the contracted services.
We do not collect or share personal information from Users we know are under eighteen (18) years of age. We have not shared or sold personal information of Users under sixteen (16) years of age in the past twelve (12) months.
In the past twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
We disclose your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, we have sold the following categories of personal information to third parties:
Category A Identifiers.
Category B California Customer Records personal information categories.
Category C Protected classification characteristics under California or federal law.
Category F Internet or other similar network activity.
Category I Professional or employment-related information.
In the preceding twelve (12) months, we have: (a) sold personal information to the third parties who purchase and/or license your personal information for marketing purposes, as well as the third parties who provide the credit-related products and/or services featured on the Site; and (b) shared your personal information for the business purposes set forth above.
We disclose your personal information for business purposes to the following categories of third parties:
In the past twelve (12) months, we have sold the following categories of personal information to third parties:
In the past twelve (12) months, we have:
The CCPA provides California residents with specific rights regarding their personal information. This section describes those rights and explains how to exercise them.
Opt-Out from the Sale of Your Personal Information
You have the right to opt-out of the sale of your personal information. To exercise this right, please:
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve (12) months. Upon receiving and verifying your request, we will provide:
Deletion Request Rights
You have the right to request that we delete any personal information collected and retained about you, subject to certain exceptions. Upon receiving and verifying your request, we will delete your personal information from our records and direct our service providers to do the same, unless an exception applies.
We may deny your deletion request if retaining the information is necessary to:
Exercising Access, Data Portability, and Deletion Rights
To exercise these rights, please:
Only you or a person registered with the California Secretary of State authorized to act on your behalf may make a verifiable request related to your personal information. You may make a verifiable request for access or data portability twice within a 12-month period. The request must:
We cannot respond to your request or provide personal information if we cannot verify your identity or authority. Making a verifiable request does not require you to create an account with us. We will only use personal information provided in a verifiable request to verify the requestor's identity or authority.
We strive to respond to verifiable requests within forty-five (45) days. If more time is needed (up to ninety (90) days), we will inform you of the reason and extension period in writing. Our response will be delivered by mail or electronically, depending on your preference. Any disclosures will cover the twelve (12) months preceding the receipt of your request. If we cannot comply with a request, we will explain why. For data portability requests, we will provide your personal information in a readily usable format.
We do not charge a fee for processing verifiable requests unless they are excessive, repetitive, or manifestly unfounded. If a fee is warranted, we will explain why and provide a cost estimate before completing your request.
We will not discriminate against you for exercising your CCPA rights. Unless permitted by the CCPA, we will not:
We reserve the right to amend this Privacy Notice at any time. When changes are made, we will notify you by email or through a notice on the Site’s homepage.
If you have any questions or comments about this Privacy Notice, our Privacy Policy, the ways we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please contact us by: