California Privacy Notice

Introduction

This California Privacy Notice supplements our Privacy Policy and applies solely to California residents. It describes how we collect, use, disclose, and protect personal information as required by the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

Categories of Personal Information We Collect

We collect the following categories of personal information about California residents:

• Identifiers: Name, postal address, email address, phone number, date of birth, Social Security number
• Protected Classifications: Age, gender, marital status
• Commercial Information: Insurance coverage history, products or services considered
• Internet Activity: Browsing history, search history, interaction with our website
• Geolocation Data: Physical location based on IP address or ZIP code
• Professional Information: Employment status, income information
• Health Information: Medicare eligibility, health conditions relevant to insurance
• Inferences: Preferences, characteristics, behavior patterns

Sources of Personal Information

We collect personal information from:

• Directly from you when you submit information through our website or contact us
• Automatically through cookies and tracking technologies
• From third-party data providers and marketing partners
• From insurance agents and carriers you interact with

Business Purposes for Collecting Information

We collect and use personal information for the following business purposes:

• Connecting you with licensed insurance agents and carriers
• Providing customer service and responding to inquiries
• Processing and fulfilling requests for information
• Marketing and advertising our services
• Analyzing and improving our website and services
• Detecting and preventing fraud and security incidents
• Complying with legal obligations

Categories of Third Parties We Share Information With

We share personal information with:

• Licensed insurance agents and brokers
• Insurance carriers and plan providers
• Marketing and advertising partners
• Analytics and technology service providers
• Call center and customer service providers
• Data storage and hosting providers

Sale and Sharing of Personal Information

We may "sell" or "share" personal information as those terms are defined under California law. In the past 12 months, we have sold or shared the following categories of personal information:

• Identifiers (name, contact information)
• Demographic information (age, gender)
• Commercial information (insurance interests)
• Internet activity information

We do not sell or share personal information of consumers we know are under 16 years of age.

Your California Privacy Rights

As a California resident, you have the following rights:

• Right to Know: Request information about the personal information we collect, use, disclose, and sell
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt-out of the sale or sharing of your personal information
• Right to Limit: Limit the use and disclosure of sensitive personal information
• Right to Non-Discrimination: Not be discriminated against for exercising your rights

How to Exercise Your Rights

To exercise your California privacy rights, you may:

• Email: contact@thesturdyamerican.com
• Phone: 1-800-MEDICARE (toll-free)
• Opt-Out of Sale/Sharing: Visit our Do Not Sell My Information page

We will verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf.

Response Timing

We will respond to verifiable consumer requests within 45 days of receipt. If we need more time (up to 90 days total), we will inform you of the reason and extension period in writing.

Shine the Light Law

California's "Shine the Light" law (Civil Code Section § 1798.83) permits California residents to request certain information about our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided above.

Contact Information

If you have questions about this California Privacy Notice or wish to exercise your rights, please contact us at:

Email: contact@thesturdyamerican.com
Phone: 1-800-MEDICARE
Mailing Address: Available upon request