This California Privacy Statement is for California Residents only and supplements the Privacy Notice above. This policy is provided to comply with the California Consumer Privacy Act of 2018 (CCPA). This policy describes the personal information that Fortegra Financial Corporation (“we,” “our,” or “us”) collects in the course of its business, explains how this information is collected, used, shared, and disclosed, describes rights provided by the CCPA to California Residents (“consumers” or “you”) regarding their personal information, and explains how consumers can exercise those rights.
California Residents include every individual who is in California for other than a temporary or transitory purpose, and every individual who is domiciled in California but who is outside of California for a temporary or transitory purpose.
What is Personal Information?
We may collect, use, or share your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household (“personal information”). “Personal information” does not include publicly available information, such as information that is lawfully made available from federal, state, or local records, and de-identified or aggregate consumer information.
With a limited exception, and as noted in other sections of this privacy policy, certain provisions of the CCPA do not apply to:
Personal Information We Collect, Use, or Share
The CCPA requires us to disclose certain information regarding our collection, sale, and sharing of personal information.
Collecting Your Personal Information
In the past 12 months, we have collected the following categories of personal information:
In the past 12 months, we have collected personal information from the following categories of sources:
How We Use Your Personal Information
We may collect your personal information for the following business or commercial purposes:
When We Disclose or Share Your Information
We may disclose your personal information to service providers and third parties in order to carry out specific business or commercial purposes. In the preceding 12 months, we have disclosed the following categories of consumer personal information for business or commercial purposes to service providers and the following categories of third parties:
CATEGORY OF PERSONAL INFORMATION COLLECTED (defined above) |
SOLD OR DISCLOSED? |
CATEGORY OF THIRD PARTIES TO WHOM THE PERSONAL INFORMATION WAS SOLD OR DISCLOSED |
Identifiers, personal information described in the California Customer Records Statute, commercial information, and professional or employment-related information |
Disclosed
|
Affiliates and/or third parties for the purpose of providing services. |
Personal information described in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e)) information |
Disclosed
|
Affiliates and/or third parties for the purpose of providing services. |
Characteristics of Protected Classification under California or Federal Law |
Disclosed
|
Affiliates and/or third parties for the purpose of providing services. |
Commercial information |
Disclosed
|
Affiliates and/or third parties for the purpose of providing services. |
Internet or other similar network activity |
Disclosed
|
Affiliates and/or third parties for the purpose of sharing how users interact with our website. |
Geolocation data |
Disclosed
|
Affiliates and/or third parties for the purpose of providing services. |
Sensory data |
Disclosed
|
Affiliates and/or third parties for the purpose of providing and improving services. |
Professional or employment-related information |
Disclosed
|
Affiliates and/or third parties for the purpose of providing services. |
Inferences drawn from other personal information |
Disclosed
|
Affiliates and/or third parties for the purpose of providing services. |
Selling Your Personal Information for a Business or Commercial Purpose
We do not sell personal information. In the past 12 months, we have not sold consumers’ personal information to third parties. It is our business practice not to sell the personal information of minors under 16 years of age and we have no actual knowledge of doing so.
Your Rights under the CCPA
The CCPA provides you with certain rights, described below, with respect to the collection, retention, disclosure, and sale of your personal information.
The Right to Know About Personal Information Collected, Used, or Disclosed
You have the right to request that we provide you with certain information about the personal information we collect, use, or disclose about you as well as the categories and specific pieces of information that we have collected about you in the 12 months preceding your verifiable consumer request. Specifically, you have the right to request the following information:
Once we receive and confirm your verifiable consumer request, we will disclose the requested information to you unless an exemption applies under the CCPA.
A household may request to know aggregate household personal information by submitting a verifiable consumer request. Also, unless the household has a password-protected account, if all consumers in a household jointly request access to specific pieces of information for the household, we can individually verify the identity of all the members of the household, and we can verify that each member is a current member of the household, then we will comply with the request.
When you request information, we will provide the information requested in a format that is readily useable and that will allow you to transmit the information from one entity to another entity without hindrance. If you request access to the categories and specific personal information that we have collected about you, we will provide your personal information in a format that is portable, readily usable, and that will allow you to transmit the information to another entity without hindrance (Data Portability request).
However, there is certain information that we will not disclose to you. This information includes but is not limited to your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, or security questions and answers.
Additionally, note that we are not required to retain any personal information collected from you for a single, one-time transaction, if we do not sell or retain the personal information, or to reidentify or otherwise link information that is not maintained in a manner that would be considered personal information.
This right does not apply to Business Consumers.
The Right to Request Deletion of Personal Information.
You have the right to request that we delete any personal information that we have collected from you and maintained about you. Once we receive and confirm your verifiable consumer request, if we determine that we must comply with a deletion request and delete your personal information from our records, we will also direct any service providers we work with to also delete your personal information from their records. If we store any of your personal information in our archived or back-up systems, we will delete your information once the systems are accessed, restored, and/or used.
A household may request the deletion of aggregate household personal information by submitting a verifiable consumer request. In addition, unless the household has a password-protected account, if all consumers in a household jointly request deletion of household personal information, we can individually verify the identity of all the members of the household, and we can verify that each member is a current member of the household, then we will comply with the request.
Please note that we may deny your deletion request for a number of different reasons, which are identified in the CCPA.
This right does not apply to Business Consumers.
How to Exercise Your CCPA Rights
Submitting a Verifiable Request to Know or Request to Delete
To exercise your Right to Know or your Right to Delete, please submit a verifiable consumer request to us by either:
Only you (or your authorized agent) may make a verifiable consumer request for your personal information. You may also make a verifiable consumer request on behalf of your minor child.
To submit a verifiable consumer request, you (or your authorized agent) will be asked to:
Verifying Your Identity
Once you submit your verifiable consumer request, we will verify your identity by matching the information you provided us with information in our systems. If you submit a request to know specific pieces of personal information or a request to delete certain information, in addition to verifying your identity with information we have on file, you also may be required to submit a signed declaration under penalty of perjury stating that the requestor is the consumer whose personal information is the subject of the request. If we are unable to respond to your request for specific pieces of information, we will evaluate your request as if it is a request to know the categories of personal information that we have collected about you.
We will generally avoid requesting additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud-prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CCPA.
Generally, if we are unable to verify your identity, we will deny your request and inform you of our inability to verify your identity and explain why we were unable to do so.
We will not charge you to verify your identity. In addition, we will not charge you or your authorized agent 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.
When and How You Will Receive a Response
Once we receive a consumer request, we will confirm our receipt of your request within 10 business days and provide you with additional information about how we will process the request. We also will promptly take steps to determine whether the request is a verifiable consumer request, and disclose and deliver the requested personal information. Our goal is to respond to your verifiable consumer request within 45 days of receiving it. However, in the event that we need more time (up to 45 more days to respond to your request, we will inform you of the need for an extension in writing along with the reasons for the extension. If you have an account with us, we will deliver your requested personal information to that account. If you do not have an account with us, you are not required to create an account with us to make a verifiable consumer request and we will deliver the requested personal information 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.
When you request information, we will provide the information requested in a format that is readily useable and that will allow you to transmit the information from one entity to another entity without hindrance. If you request access to the categories and specific personal information that we have collected about you, we will provide your personal information in a format that is portable, readily usable, and that will allow you to transmit the information to another entity without hindrance (Data Portability request).
If we are unable to comply with a given request, we will provide you with a response within 45 days (or if more time is needed, up to 90 days total) explaining why we have not taken action on your request and identifying any rights you may have to appeal the decision.
Please note that we will only respond to a verifiable consumer request for access or data for personal information twice (2) within a 12-month period.
Authorized Agent for Requests
You may designate an authorized agent to make a request on your behalf. Unless you have a power of attorney, if you would like to use an authorized agent, which is an individual or business registered with the Secretary of State that you have authorized to act on your behalf, to submit a request, you must provide the authorized agent with written and signed permission to do so, verify your own identity directly with us, and directly confirm that you provided the authorized agent with permission to submit the request. We may deny a request from an authorized agent that does not submit proof that they are authorized to act on your behalf.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. For example, unless otherwise permitted by the CCPA, we will not:
Changes to Our California Privacy Statement
We are required by law to update this California Privacy Statement at least once each year. We will notify you by mail, email or through a notice on our website homepage when we make changes to this privacy notice. This privacy policy was last updated on 10/27/2020.
Contact Information
If you have any questions regarding our California Privacy Statement, the ways in which we collect, and use your personal information, or how to exercise your rights under the CCPA, please do not hesitate to contact us at:
Phone: 800-888-2738
Website: www.fortegra.com/data-subject-access
In order to better assist you, please choose from one of the following:
Specialty Insurance • Service Contracts • Credit Insurance • Premium Finance
Business InquiriesFile a Claim • Download Documents • Check Status of Claim • Contact Us
Customer Support