This California Privacy Statement is for California Residents only and supplements the Privacy Notice above. This privacy statement is provided to comply with the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (CCPA). This privacy statement 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, disclosed, and retained, 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 disclose 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 (1) publicly available information, such as information that is lawfully made available from federal, state, or local records or has been made lawfully available to the public by you or widely distributed media, and (2) 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 and Use
The CCPA requires us to disclose certain information regarding our collection, use, sale, sharing, disclosing, and retention 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 and Disclose Your Personal Information
We may collect and disclose your personal information for the following business or commercial purposes:
When We Disclose 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) |
CATEGORY OF THIRD PARTIES TO WHOM THE PERSONAL INFORMATION WAS DISCLOSED |
Identifiers, personal information described in the California Customer Records Statute, commercial information, and professional or employment-related information |
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 |
Affiliates and/or third parties for the purpose of providing services. |
Characteristics of Protected Classification under California or Federal Law |
Affiliates and/or third parties for the purpose of providing services. |
Commercial information |
Affiliates and/or third parties for the purpose of providing services. |
Internet or other similar network activity |
Affiliates and/or third parties for the purpose of sharing how users interact with our website. |
Geolocation data |
Affiliates and/or third parties for the purpose of providing services. |
Sensory data |
Affiliates and/or third parties for the purpose of providing and improving services. |
Professional or employment-related information |
Affiliates and/or third parties for the purpose of providing services. |
Inferences drawn from other personal information |
Affiliates and/or third parties for the purpose of providing services. |
Sensitive personal information |
Affiliates and/or third parties for the purpose of providing services. |
Selling or Sharing Your Personal Information for a Business or Commercial Purpose
We do not and will not sell or share (for cross-contextual behavioral advertising) your personal information to any third party, nor have we done so in the past 12 months. It is our business practice not to sell or share (for cross-contextual behavioral advertising) the personal information of minors under 16 years of age and we have no actual knowledge of doing so.
Use of Your Sensitive Personal Information?
We only collect or use sensitive Personal Information for the following business or commercial purposes:
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. As described in more detail below, the CCPA provides you with the following rights:
You also 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 and maintained about you since January 1, 2022. Specifically, you have the right to request the following information:
You also have the Right to Opt-Out of the sale or sharing (for targeted advertising) your Personal Information. However, we do not sell or share your Personal Information.
How to Exercise Your CCPA Rights
Submitting a Verifiable Request to Know, Correct or Request to Delete
To exercise your Right to Know, Correct or 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 or correct 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.
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. If you would like to use an authorized agent 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.
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 7/1/2023.
Contact Information
If you have any questions regarding our California Privacy Statement, the ways in which we collect, disclose, 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
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