Privacy Notice for California Residents

Persons with disabilities may obtain this notice in alternative format upon request by contacting us at info@insuranceratehelper.com
This Privacy Notice is for California Residents which supplements our general Privacy Policy and applies solely to those visitors and users that are residents of the State of California. We adopt this notice to comply with the The California Consumer Privacy Act CCPA , signed into law on June 28, 2018 (“CCPA”), as amended, and other California Privacy laws. Any terms defined by the CCPA have the same meaning when used in this notice. The CCPA provides consumers (California residents) with specific rights regarding their personal information. The California Consumer Privacy Act of 2018 (“ CCPA”) gives consumers more control over the personal information that businesses collect about them and the CCPA regulations provide guidance on how to implement the law. This section describes those CCPA rights and explains how to exercise those rights.

CCPA Rights The CCPA affords certain rights and protections to California residents including: (i) the right to request that we delete any "personal information" that we have collected from you ("Right to Delete"); (ii) the right to request that we disclose the categories and/or specific pieces of personal information collected and sold ("Right to Know"); and (iii) the right to direct us not to sell their "personal information" ("Right to Opt-Out"). "Personal information" is defined under the CCPA as "information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household."
California Shine the Light: Residents of the State of California have the right to request information from us regarding other companies to whom the company has disclosed certain categories of information during the preceding year for the other companies’ direct marketing purposes. If you are a California resident and would like to make such a request, please email info@insuranceratehelper.com
California Consumer Privacy Act: The California Consumer Privacy Act (“CCPA”) provides California residents with rights to receive certain disclosures regarding the collection, use, and sharing of “Personal Information,” as well as rights to know/access, delete, and limit sharing of Personal Information. The CCPA defines “Personal Information” to mean “information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.” Certain information we collect may be exempt from the CCPA because it is considered public information (i.e., it is made available by a government entity) or covered by a specific federal privacy law, such as the Gramm–Leach–Bliley Act, the Health Insurance Portability and Accountability Act, or the Fair Credit Reporting Act.
To the extent that we collect Personal Information that is subject to the CCPA, that information, our practices, and your rights are described below.

Information We Collect and May Disclose

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). Personal information does not include publicly available information, deidentified information, aggregate information, or any information protected by other privacy laws and otherwise excluded from the scope of the CCPA. We may disclose your personal information for a business purpose to third parties, such as our subsidiaries and affiliates, as well as to non-affiliated third-parties with whom we partner to offer products and services to you.
This table identifies the categories of personal information about consumers we have collected and may have disclosed for business purposes within the preceding 12 months:

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
• Sales of your information, identifying the personal information categories that each category of recipient purchased; and
• Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
2. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us;
3. Comply with a legal obligation;
4. Debug products to identify and repair errors that impair existing intended functionality;
5. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities;
6. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law; or
7. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

How to Exercise California Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending us an email to info@insuranceratehelper.com or calling us toll free at +1-888-208-0177.
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must: (a) provide sufficient information to allow us to reasonably verify that you are the person about whom we collected personal information or an authorized representative; and (b) describe your request with sufficient detail to allow us to properly understand, evaluate, and respond to the request.
Our policy is to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another without hindrance, specifically by electronic mail communication.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Right to Opt-Out

You have the right to direct us not to sell your personal information to third parties. Any personal information about you that we sell to a third party cannot be sold by that third party unless you have received explicit notice and are provided with an opportunity to opt-out of the sale of your personal information. You or your authorized representative may submit your request to opt out by sending us an email to info@insuranceratehelper.com or calling us toll free at +1-888-208-0177.
Generally, we will not request additional information from you for purposes of verification. If, however, we cannot verify your identity from the information already maintained by us, we may request additional information from you, which shall only be used for the purposes of verifying your identity and seeking to exercise you rights under the CCPA, and for security or fraud-prevention purposes. We will delete any new personal information collected for the purposes of verification as soon as practical after processing your request, except as required to comply with the CCPA. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We may require authentication that is reasonable in light of the nature of the personal information requested and will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Please note that we may continue to share your personal information with our affiliates and service providers for essential purposes described above and other such circumstances allowed under the CCPA. Opting out of the sale of personal information does not mean that you will stop seeing ads, including some interest-based ads. To learn more about interest-based advertising across sites and additional opt-out choices, please see our general Privacy Policy.

Use of an Authorized Agent

If you use an authorized agent to submit a request to know or a request to delete, we may require that you provide the authorized agent written permission and require the authorized agent to verify its own identity with us and provide proof of their authority to act on your behalf (for example, an appropriate power of attorney to your authorized agent is an acceptable form of authorization). We may deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.
When you submit a request to delete, or a request to know, we verify your request by taking the following steps:
• We may match the information you provided in your request with the personal information of the consumer already maintained by us; or
• We may use a third-party identity verification service that complies with the CCPA;
When verifying a request, we consider the following factors:
• The type, sensitivity, and value of the personal information collected and maintained about you;
• The risk of harm to you posed by any unauthorized access or deletion;
• The likelihood that fraudulent or malicious actors would seek the personal information;
• Whether the personal information to be provided by you to verify your identity is sufficiently robust to protect against fraudulent requests or being spoofed or fabricated;
• The manner in which we interact with you; and
• The technology available for verification.

Questions?

If you have any questions about this privacy policy, the practices of InsuranceRateHelper.com, or your dealings with a InsuranceRateHelper.com affiliate, please contact us at:
info@insuranceratehelper.com
7901 4th St N
St. Petersburg, FL, 33702
Phone: +1-888-208-0177