California Privacy Notice

This California Privacy Notice is an extension of our general Privacy Policy and is specifically intended for visitors and users who reside in California (“consumer” or “you”). sbsleadsquotes.com has adopted this notice in compliance with the California Consumer Privacy Act of 2018 (“CCPA”), as amended, along with other applicable California privacy laws. Any terms defined under the CCPA will carry the same meaning in this notice.

Information We Collect

We gather information that identifies, relates to, describes, references, or can be reasonably associated with or linked—directly or indirectly—to a specific individual or household (“personal information”). However, personal information does not include publicly available data, deidentified or aggregated information, or any details protected by other privacy laws and excluded from the scope of the CCPA.

The table below outlines the categories of personal information we have collected from consumers over the past 12 months:

A.	Identifiers	Real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers	YES
B.	Personal information described in the California Customer Records statute (Cal. Civil Code §1798.80(e))	A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Note: Personal information included in this category (1) does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records, and (2) may overlap with other categories.	YES
C.	Protected classification characteristics under California or federal law	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information)	YES
D.	Commercial Information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	YES
E.	Biometric Information	Physiological, biological, or behavioral characteristics, including deoxyribonucleic acid (DNA), which can be used, singly or in combination with each other or with other identifying data, to establish individual identity. Includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.	NO
F.	Internet or other electronic network activity information	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement	YES
G.	Geolocation data	Physical location or movements	YES
H.	Audio, electronic, visual, thermal, olfactory, or similar information	Electronic recording of customer or prospective customer calls.	YES
I.	Professional or employment-related information	Current and prior job and salary history or performance evaluations.	NO
J.	Education information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K.	Education information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).	Deriving information, data, assumptions, or conclusions from facts, evidence, or another source of information or data to create a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	YES

Personal information does not include:

Publicly available information, as defined by the CCPA:

Refers to data lawfully obtained from federal, state, or local government records.
Does not include biometric data collected by a business without the consumer’s knowledge.
Excludes information used for purposes inconsistent with the original intent of government records or public maintenance.
Does not cover consumer data that has been de-identified or aggregated.

Additionally, certain types of information are exempt from the CCPA, such as:

Medical data regulated by the California Confidentiality of Medical Information Act (CMIA), protected health information under HIPAA and HITECH, and data gathered during clinical trials subject to federal human subject protection policies.
Personal information governed by industry-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act (DPPA).

How we Collect Personal Information

We collect the personal information mentioned above from the following sources:

Directly from you – For instance, when you fill out forms on our website.
Indirectly from you – Such as through automated data collection technologies that track your interactions on our website.
From third parties – Including affiliates and other partners who provide us with lead information.

How We Use Your Information

We may collect, use, or share your personal information for various business or commercial purposes, including:

To fulfill the purpose for which you provided the information.
To enhance, support, personalize, and develop our Website, products, and services.
To establish, maintain, customize, and secure your account with us, if applicable.
To offer customer support, respond to inquiries, address concerns, and improve our communications.
To tailor your experience on our Website and provide relevant content, product recommendations, and targeted advertisements through our Website, third-party platforms, email, or text (with your consent, where legally required).
To ensure the security, safety, and integrity of our Website, products, services, databases, and other technology assets.
To conduct testing, research, analysis, and product development to enhance our Website, products, and services.
To comply with legal obligations, respond to law enforcement requests, court orders, or regulatory requirements.
As outlined at the time of information collection or as permitted under the California Consumer Privacy Act (CCPA).

Sharing Personal Information

We may share your personal information with third parties for business purposes, including our subsidiaries, affiliates, and non-affiliated partners who assist in providing products and services to you.

Over the past 12 months, we have disclosed the following categories of personal information to the third parties mentioned above for business purposes:

Category A: Identifiers
Category B: Personal information as defined under the California Customer Records statute (Cal. Civil Code §1798.80(e))
Category D: Commercial data
Category F: Internet and other network activity
Category G: Geolocation data
Category H: Audio, electronic, visual, thermal, olfactory, or other similar data
Category K: Inferences derived from any other category of personal information

Sale of Personal Information

We may share certain information about you with consumer data resellers, advertising partners, affiliates, and other third parties for purposes that could be considered a “sale” under the CCPA. In the past 12 months, we have disclosed the following categories of personal information to third parties:

Category A: Identifiers
Category B: Personal details as defined in the California Customer Records statute (Cal. Civil Code §1798.80(e))
Category D: Commercial data
Category F: Internet or other similar network activity
Category G: Geolocation data
Category H: Audio, electronic, visual, thermal, olfactory, or similar information
Category K: Inferences derived from other personal information categories

Your California Privacy Rights and Choices

If you are a California resident, the CCPA provides you with additional rights regarding our use of your personal information. This section describes your CCPA rights and explains how to exercise those rights.

(1) Right to Access Your Information

You have the right to request details regarding our collection and use of your personal information over the past 12 months. Upon receiving and verifying your request, we will provide the information you request, as required under the CCPA. This may include:

The types of personal information we have collected about you.
The sources from which we obtained your personal information.
The business or commercial reasons for collecting or selling your personal information.
The categories of personal information we have shared or sold for business purposes.
The third parties with whom we share or sell your personal information.
The specific personal information we have gathered about you.

(2) Right to Request Deletion

You have the right to request the deletion of some or all of the personal information we have collected from you, with certain exceptions. Once we receive and verify your request, we will remove your personal information from our records and instruct our service providers who have received the information from us to do the same. However, we may deny your deletion request in whole or in part if retaining your information is necessary for us or our service providers to:

Complete the transaction for which the data was collected, provide a requested product or service, fulfill obligations within our ongoing business relationship, or otherwise perform our contract with you.
Detect security threats, prevent fraudulent, deceptive, or illegal activities, or take action against those responsible.
Identify and fix issues in products to maintain proper functionality.
Protect free speech rights, either for yourself or others, or uphold other legally recognized rights.
Comply with the California Electronic Communications Privacy Act.
Conduct scientific, historical, or statistical research in the public interest that meets ethical and privacy regulations, where deletion would make the research impossible or significantly hinder its success, provided you previously gave informed consent.
Allow internal uses that align with your expectations based on your relationship with us.
Meet legal obligations.
Carry out other lawful and legitimate internal uses consistent with the original purpose for which you provided the information.

(3) Right to Opt-Out

You have the right to instruct us not to sell your personal information to third parties. If we sell your personal data to a third party, they are prohibited from reselling it unless they provide you with explicit notice and the opportunity to opt out of the sale.

Only you, or an authorized representative registered with the California Secretary of State, can submit a verifiable consumer request regarding your personal information. You may also submit a request on behalf of your minor child.

You may request access to or data portability of your personal information no more than twice within a 12-month period. A verifiable request must:

Provide enough information for us to confirm your identity or that of the consumer you are representing, including:
- Name
- Address
- Email
- Current mailing address
- Alternate phone number
- Alternate mailing address
- Any other personal information we maintain about you
Clearly describe your request so we can properly review and respond to it.

In most cases, we will not require additional information to verify your identity. However, if we cannot confirm your identity using our existing records, we may request further details strictly for verification, fraud prevention, or security purposes. Any new personal information collected for verification will be deleted promptly after processing your request unless required for compliance with the California Consumer Privacy Act (CCPA).

If we cannot verify your identity or authority to make the request, we may be unable to fulfill your request. You do not need to create an account with us to make a verifiable consumer request. We may require reasonable authentication based on the sensitivity of the requested information and will use any personal data provided solely to verify your identity or authority.

Please note that we may continue sharing your personal information with affiliates and service providers for essential business purposes, as permitted under the CCPA. Opting out through the “Do Not Sell My Personal Information” link will not eliminate all advertisements, including interest-based ads. For more details on interest-based advertising and opt-out options, please refer to our Privacy Policy.

Use of an Authorized Agent

If you use an authorized agent to submit a request for information or deletion, we may require written permission from you and ask the agent to verify their identity with us.

A power of attorney is an acceptable form of authorization for your agent.

If an agent fails to provide proof of authorization to act on your behalf, we may deny the request.

How we Verify your Request

When you submit a request to access or delete your personal information, we verify your identity through the following steps:

We may compare the details you provide with the personal information we have on record.
We may use a third-party identity verification service that complies with the CCPA.

During verification, we take into account several factors, including:

The type, sensitivity, and value of the personal information we store about you.
The potential risk of harm from unauthorized access or deletion.
The likelihood of fraudulent or malicious attempts to obtain your information.
Whether the information you provide for verification is strong enough to prevent fraud or falsification.
How we interact with you.
The available technology for identity verification.

For requests to access categories of personal information, we verify your identity to a reasonable degree of certainty.

For deletion requests, the level of verification required depends on the sensitivity of the data and the risk of harm from unauthorized deletion.

In all cases, we confirm your identity by matching the details in your request with the personal information we already maintain.

How we Verify your Request

When you submit a request to access or delete your personal information, we verify your identity through the following steps:

We may compare the details you provide with the personal information we have on record.
We may use a third-party identity verification service that complies with the CCPA.

During verification, we take into account several factors, including:

The type, sensitivity, and value of the personal information we store about you.
The potential risk of harm from unauthorized access or deletion.
The likelihood of fraudulent or malicious attempts to obtain your information.
Whether the information you provide for verification is strong enough to prevent fraud or falsification.
How we interact with you.
The available technology for identity verification.

For requests to access categories of personal information, we verify your identity to a reasonable degree of certainty.

For deletion requests, the level of verification required depends on the sensitivity of the data and the risk of harm from unauthorized deletion.

In all cases, we confirm your identity by matching the details in your request with the personal information we already maintain.

Response Timing and Format

Upon receiving a request for information or deletion, we will acknowledge receipt within 15 days and outline the process for handling the request.

We aim to respond to a verifiable consumer request within 45 days of receiving it. If additional time is needed (up to 90 days), we will notify you in writing with an explanation and the extended timeline. Our response will be provided either electronically or by mail, based on your preference.

Any information we disclose will cover the 12-month period preceding the request’s receipt. If we are unable to fulfill the request, our response will include the reasons for non-compliance. When providing your personal information, we will use a format that is easily accessible and allows for seamless transfer between entities.

We do not charge a fee to process or respond to a verifiable consumer request unless it is excessive, repetitive, or unfounded. If a fee applies, we will inform you of the reason and provide a cost estimate before proceeding.

(4) Right to Non-Discrimination

We will not discriminate against you for exercising your rights under the CCPA. This means we will not:

Deny you access to goods or services.
Adjust prices or rates based on your choices, whether through discounts, benefits, or penalties.
Offer a different quality or level of goods or services.
Imply that your choices will result in changes to pricing, rates, or service quality.

However, please note that we may adjust pricing or service levels if the difference is reasonably linked to the value your personal information provides.

Changes to Our Privacy Notice

We retain the right to modify this privacy notice at our discretion and at any time. Any updates to this notice, which will occur at least once every 12 months, will be communicated through a notice on this page: Privacy Policy.

Contact Information

If you have any questions or concerns regarding this notice, our Privacy Policy, how we collect and use your personal information, your rights and options related to its use, or if you wish to exercise your rights under California law, please feel free to contact us at:

Email:support@sbsleadsquotes.com

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