Rights and Choices for California Residents

Rights Under The California Consumer Privacy Act

The California Consumer Privacy Act (“CCPA”) provides California residents with specific rights regarding their personal information. This document describes your CCPA rights and explains how to exercise those rights.

Last reviewed on: October 19, 2020

Access to Specific Information and Data Portability Rights

You have the right to request that the Company disclose certain information to you about our collection and use of your “personal information” over the past 12 months, defined as information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device.

Personal information does not include the following:

  • Publicly available information that is lawfully made available to the general public from federal, state, or local government records;
  • Deidentified or aggregated consumer information;
    Information excluded from the CCPA’s scope, including but not limited to:

    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
    • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Once we receive and confirm your verifiable consumer request (see Exercising Your Rights below), we will disclose to you, if applicable:

The categories of personal information we collected about you:

  • Identifiers (g., real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number);
  • Other personal information categories listed in the California Customer Records Statute (g., physical characteristics or description, telephone number, state identification card number, insurance policy number, bank account number, credit card number, debit card number, or any other financial information, or medical information);
  • Characteristics of protected classifications under California or federal law;
  • Commercial information;
  • Internet or other similar network activity;
  • Professional or employment-related information (for employees or contractors);
  • Education information (for employees or contractors).

 

The categories of sources for the personal information we collected about you:

  • Directly from you when you provide information electronically, by phone, or by mail;
  • Our affiliates and business partners;
  • Our agents;
  • Lead vendors to whom you have provided your information;
  • Client referrals;
  • Users’ browsers;
  • Marketing vendors and advertising networks; and
  • Social media, if you provide us information on social media platforms.

 

Our business or commercial purpose for collecting, using, or selling that personal information; for example:

  • Provide you products and services;
  • Address your inquiries;
  • Process transactions;
  • Pay agent commissions;
  • Tailor the content and information that we may send or display to you;
  • Where permitted, for marketing and promotional purposes, such as to provide information to you about the products and services we offer;
  • Analyze use of our products and services, where permitted by law;
  • Develop new products and services;
  • Provide and personalize our services;
  • Comply with legal obligations;
  • Protect our rights, property, and safety or the rights, property, and safety of others;
  • As described to you when collecting your personal information or as otherwise set forth in applicable law;
  • Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our customers is among the assets transferred.

 

The categories of third parties with whom we share that personal information:

  • Our affiliates and business partners;
  • Our agents;
  • Lead buyers;
  • Service providers;
  • Insurance carriers:
  • Marketing vendors and advertising networks; and

 

  • The specific pieces of personal information we collected about you (also called a data portability request)

 

If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:

  • Sales, identifying the personal information categories and specific information that each category of third-party recipient purchased; and
  • Disclosures for a business purpose, identifying the personal information categories and specific information that each category of third-party recipient obtained.

 

Sources of Personal Information

The Company collects the categories of personal information above from the following categories of sources:

  • Directly from users when they provide information electronically, by phone, or by mail;
  • Our affiliates and business partners;
  • Our agents;
  • Lead vendors to whom you have provided your information;
  • Client referrals;
  • Data verification services;
  • Users’ browsers;
  • Marketing vendors and advertising networks; and
  • Social media, if you provide us information on social media platforms.

The Company obtains information pertaining to insurance agents primarily from the agents themselves when they choose to affiliate with the Company. The Company obtains information pertaining to consumers seeking to purchase insurance products from referrals and written and electronic consumer inquiries regarding insurance products (including through companies that assist in the delivery of such inquiries). The Company also obtains such information from its subsidiaries.

From time to time, the Company may contact you via email, mail, and/or telemarketing calls, for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email, mail, and/or telemarketing calls from the Company, you may opt out of such communications by contacting us at the toll-free number or email address listed below.

Sharing Personal Information

The Company may disclose your personal information to a third party for a business purpose. The Company may share the personal information of consumers with licensed insurance agents, insurance carriers, service providers, all primarily for the purpose of facilitating the sale of insurance products to individuals who are interested in purchasing insurance products.

In the preceding 12 months, the Company may have disclosed the following categories of personal information for a business purpose: identifiers, California Customer Records personal information categories, protected classification characteristics under California or federal law, commercial information, and internet or other similar network activity.

Cookie Policy

Our website may use “cookies” to enhance user experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Cookies can also enable us to track and target the interests of our users to enhance their experience on our website. We may use the following types of cookies: advertising and analytics and social media. Usage of a cookie is not linked to any personally identifiable information on our website.

User may choose to set their web browser to refuse cookies or to alert you when cookies are being sent. If they do so, note that some parts of the website may not function properly.

Children Under The Age of 16

Our website is not intended for children under 16 years of age. No one under age 16 may provide any information on the website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this website. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us.

Rights For California Residents

Additional privacy rights for California residents are provided here.

Contact Information

If you have any questions or comments about this notice, or the ways in which the Company collects and use your personal information, please do not hesitate to contact us at:

Phone: 1-800-365-8208

Email: compliance@premiersmi.com