Under California’s Shine the Light law (California Civil Code Section 1789.83), California residents have the right to request, once a year, information on the types of personal information we have shared with third parties for their direct marketing purposes during the immediately preceding calendar year; and the names and addresses of third parties with whom we have shared the personal information. You have agreed to allow us to share information with third parties for their direct marketing purposes until you request to opt-out of such sharing. California customers may request further information about our compliance with this law by contacting us via email at support@medicare-select.com. . Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.
In addition, if you are a California resident under the meaning of Section 17014 of Title 18 of the Cal. Code of Regulations, your use of the Site is subject to the California Consumer Privacy Act (“CCPA”), and all final, implementing regulations. Under the CCPA, up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. Information regarding our collection and disclosure practices are detailed herein, in addition to instructions on how to exercise your rights regarding your personal information.
In addition, if you are a California resident under the meaning of Section 17014 of Title 18 of the Cal. Code of Regulations, your use of the Site is subject to the California Consumer Privacy Act (“CCPA”), and all final, implementing regulations. Under the CCPA, up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. Information regarding our collection and disclosure practices are detailed herein, in addition to instructions on how to exercise your rights regarding your personal information.
We collect, use, and are responsible for certain personal information about you, that identifies, relates to, describes, is reasonably capable of being associated with you, or that which could reasonably be linked, directly or indirectly, with a particular consumer or household. Information on the personal information that we collect, and have collected about our visitors within the preceding 12 months are detailed above under the “Personal Information We Collect About You” heading.
Within the preceding 12 months, we have disclosed personal information to the third parties identified under the “With Whom Do We Share Your Information” heading above. Namely, we disclose personal information in all of the above categories to our third party lead aggregators, lead buyers, and advertisers, including whether you requested information on the Medicare supplemental coverage products and services featured on the Site, and all personal information that you submitted through the Site in conjunction with your request. We also disclose personal information in all of the above categories to our third party service providers who log user experiences, assist with form population, and perform retargeting. We also disclose personal information in all of the above categories to our third party publishers for the purpose of tracking their clicks/conversions.
We may also disclose your personal information in any of the above categories if legally required to do so, in our sole discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public. Also, in the event that we, or substantially all of our assets, are acquired, personal information in all of the above categories may be included within the transferred assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such personal information in all of the above categories in a transaction approved by the court.
We disclose for a business purpose and sell personal information in all of the above categories our third party advertising third party lead aggregators, lead purchasers, and advertisers. Also, in the event that we, or substantially all of our assets, are acquired, such personal information may be included within the transferred assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
We do not have any actual knowledge of the sale of personal information of minors under 16 years of age. There are no financial incentives to disclose.
A “request to know” is a request related to the personal information that a business has about such consumer. It may include a request for any or all of the following from us:
The CCPA permits requests to know from the same consumer up to twice in a twelve (12) month period.
To submit a request to know, please email us at candrewsen@lead-squad.copm. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, a California address, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may require that the authorized agent provide proof that the consumer gave them signed permission to submit the request. In addition, we may also require that the consumer directly verify their identity and directly confirm that they provided the authorized agent permission to submit the request on their behalf. The information which you submit in conjunction with your request to know will be used for the express purposes of verification and providing you with responsive information to your request, if required.
You have the right to request the deletion of any personal information which we have collected about you. To submit a verifiable request to delete, please email us at candrewsen@lead-squad.com. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, a California address, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for deletion, we may require that the authorized agent provide proof that the consumer gave them signed permission to submit the request. In addition, we may also require that the consumer directly verify their identity and directly confirm that they provided the authorized agent permission to submit the request on their behalf. The information which you submit in conjunction with your request to delete will be used for the express purposes of verification and fulfilling your request, if required.
We utilize a two-step process for online requests to delete, whereby you first submit your request to delete, and second, you separately confirm that you want your personal information deleted.
To the extent that your personal information is necessary for us to maintain for a reason delineated in Cal. Civ. Code § 1798.105(d), including but not limited to complete a transaction for which the personal information was collected, provide a good or service you have requested, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, debug, etc., or to comply with a legal obligation, we are not required to comply with your request for deletion. For instance, we are not required to delete personal information which is necessary to maintain suppression files for those individuals who have opted out of receiving email marketing from us. If we are unable to verify your request, we will notify you as well.
You have the right to opt-out of the sale of your personal information. You have the right to direct a business that sells (or may in the future sell) your personal information to stop selling your personal information, and to refrain from doing so in the future.
Our homepage features a “Do Not Sell My Personal Information” link, which you can click to submit your request to opt-out of the sale of your personal information. You may email us at candrewsen@lead-squad.com to submit your request to opt-out of the sale of your personal information. In conjunction with your request, we may request that you provide your first name, last name, a California address, and email address to verify and process your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request to opt-out of the sale of your personal information, we may require that the authorized agent provide proof of your signed permission demonstrating that the authorized agent has been authorized to act on your behalf. The information which you submit in conjunction with your request to opt-out will be used for the express purposes of verification and complying with the opt-out request, if required.
California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. However, a business may offer a financial incentive or price or service difference if it is reasonably related to the value of the consumer’s data. A business shall notify consumers of any financial incentive or price or service difference.