This Privacy Policy and Notice for California Residents (this "Notice") supplements the information contained in the Privacy Policy and Notice ("Privacy Policy"), and is provided by FutureProof Insurance Agency and its subsidiaries (in total, "FutureProof Insurance Agency", "we", "us" or "our") in a manner consistent with applicable law.
In this Notice we provide information for California residents, as required by the California Consumer Privacy Act ("CCPA"), about how we collect, use, receive, and disclose their Personal Information. This Notice also explains certain rights that California residents have under the CCPA and how residents of California can exercise such rights. The CCPA, and accordingly this Notice, apply solely to residents of the State of California.
1. Categories of Personal Information Collected and Disclosed
For purposes of this Notice, "Personal Information" means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household.
Personal Information in the context of the CCPA and this Notice does not include:
- Publicly available information made lawfully available by federal, state, or local government records;
- Personal Information that is subject to an exemption under Section 1798.145(c) – (f) of the CCPA, and thereby excluded from the CCPA's scope, such as protected health or medical information that is subject to and covered by the Health Insurance Portability and Accountability Act of 1996 ("HIPAA") and the California Confidentiality of Medical Information Act ("CMIA"), and non-public information subject to the Gramm-Leach-Bliley Act ("GLBA") or the California Financial Information Privacy Act ("FIPA"); and
- Deidentified or aggregated consumer information.
We have collected the following categories of Personal Information from consumers within the last twelve (12) months:
- Identifiers potentially including, without limitation, a Consumer's real name, alias, address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, Social Security number, driver's license number;
- Personal Information Categories listed in the California Customer Records Statute (Cal. Civ. Code. Section 1798.80(e)) potentially including, without limitation, a Consumer's name, signature, Social Security number, driver's license number, passport number, employee identification numbers, insurance policy number, bank account number, as well as medical and health information for insurance related purposes;
- Protected Classification Characteristics under California or federal law potentially including, without limitation, a Consumer's race, color, sex, age (40 years or older), religion, national origin, disability, citizenship status, and genetic information or ancestry;
- Commercial Information potentially including, without limitation, a Consumer's records of personal property, products or services purchased, and transaction histories;
- Internet or other similar network activity potentially including, without limitation, a Consumer's information regarding interaction with our website, applications, or advertisement;
- Professional or Employment Related potentially including, without limitation, a Consumer's current and past job history, education information.
The Personal Information we collect, use, receive, or disclose about a specific California resident depends on our relationship and interaction with that individual, and the type of service we are providing. We will disclose Personal Information for a business purpose only to service providers, or, where required by law, or in response to valid legal process compelling disclosure.
We do not and have not sold Personal Information in the preceding twelve (12) months.
2. Sources of Personal Information
We obtain the categories of Personal Information listed above from the following categories of sources:
- Directly from you – from insurance applications, from any form you may complete and submit through our website, or in connection with your other communications with us;
- From third parties – from insurance carriers, other industry service providers, other third parties with which you maintain a relationship, such as an employer or financial service or medical or health providers; and
- Through our website and use of "cookies".
3. Why We Collect Personal Information and How We Use It
The purposes for which we collect, use, receive, and disclose Personal Information depend on, among other things, our relationship or interaction with a specific California resident, and the type of service we are providing. We may use or disclose your Personal Information for one or more of the following purposes:
- To fulfill or meet the reason you provided the information and to perform services on your behalf;
- To support our business operations, including to meet risk, legal, and compliance requirements;
- To comply with, or exercise rights under, applicable law;
- To manage, improve, and develop our business; or
- To evaluate or effect a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which Personal Information held by us about our customers is among the assets evaluated or transferred.
We may also disclose your Personal Information for the following reasons:
- To comply with any court order, law or legal process, including to respond to any government or regulatory request;
- To detect and record security and network incidents;
- To enforce or apply our terms of use and other agreements, including for billing and collection purposes; and
- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of FutureProof Insurance Agency, our customers or others.
We do not sell your personal information to third parties, other than in connection with a merger, sale, or other transfer of organizational assets where Personal Information held by us about our clients is among the assets transferred.
4. Categories of Third Parties with Whom We Share Personal Information
We generally share your Personal Information to perform services on your behalf and to provide you with the insurance products and services you expect from us. We share your personal information with the following categories of third parties:
- Service providers;
- Insurance carriers and other industry service providers;
- Other third parties with which you or we maintain a relationship regarding your insurance;
- Government agencies including to support regulatory and legal requirements;
- Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and
- Affiliates.
5. Requests by California Residents
The CCPA provides California residents with certain and specific rights regarding their Personal Information and imposes restrictions on particular business practices.
- Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your Personal Information during the twelve (12) month period preceding the request, including the categories of Personal Information we collected, the categories of sources, the business or commercial purpose for collecting it, and the categories of third parties to whom we disclosed it.
- Right to Request Deletion: 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. We may deny a Deletion Request for reasons described in the CCPA, including where it is necessary to maintain that Personal Information to comply with a legal obligation or complete a transaction for which the personal information was collected.
6. Non-Discrimination
The CCPA prohibits discrimination against residents of California for exercising their rights provided to them pursuant to the CCPA. We will not discriminate against you for exercising any of your CCPA rights.
7. Submitting Requests
To exercise the rights described above, residents of California may submit requests by:
- Calling us at +1 (239) 427-1787
- Emailing us at info@futureproofins.com
We will only respond to verifiable requests received from California residents as required by law. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your Personal Information. Verifiable consumer requests must provide sufficient information to allow us to reasonably verify your identity and describe your request with sufficient detail to allow us to properly evaluate and respond to it.
We will respond to a verifiable consumer request within the time periods provided by law. California residents may make a Request to Know up to twice every twelve (12) months.
8. Changes to This Notice
We may modify or update this Notice periodically. When we do, the latest version of this Notice will be posted on this webpage.
Contact
FutureProof Insurance Agency
8677 Villa La Jolla Drive #1217
La Jolla, CA 92037
info@futureproofins.com
+1 (239) 427-1787