California Residents- CCPA Rights

This PRIVACY NOTICE IS FOR CALIFORNIA RESIDENTS intended to apply solely to
visitors, users, and persons who are residents in the State of California
(“consumers” or “you”).

This notice is an addendum for information contained in the existing
Privacy Policy of the Company and its affiliates (collectively, “we,” “us,” or “our”).

We adopt this notice to comply with the California Consumer Privacy Act of
2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA
have the same meaning when used in this notice.

Information We Collect –

We collect information that identifies, relates to, describes, references, is
capable of being associated with, or could reasonably be linked, directly or
indirectly, with a particular consumer or device (“personal information”).

We have collected the following Statutory Defined Categories of personal
information from consumers within the last twelve (12) months:

Category: “Identifiers” – which may include: A real name,
alias, postal address, unique personal identifier, online identifier, Internet
Protocol address, email address, or other similar identifiers.

Category: “Personal Information” – which may include: A name,
signature, address, telephone number, education level, employment, and driver
license status. Some personal information included in this category may
overlap with other categories.

Category: “Protected Classification Characteristics” – which
may include: Age, marital status, gender, and Veteran or military status.

Category: “Internet or Other Similar Network Activity”
which may include: Browsing history, search history, information on a
consumer’s interaction with a website, application, or advertisement.

Category: “Professional or Employment-Related Information”
which may include employment status, ie. Employed, Self-Employed or Retired
Status

The above categories of personal information are obtained from the following
categories of sources:

  • Directly from you. For example, from your interaction on this platform and
    the information you provide on any forms this platform which you submit. In
    some instances we may also automatically collect certain information from
    you through the technology on the platform.
  • Information you provide in connection with a product/service offered by our
    affiliates, partners or vendors.
  • Information you provide the platform for communication permissions and
    consents.
  • Indirectly from our clients or their agents. For example, through
    information we collect from our clients in the course of providing marketing
    or technology services to them.
  • Directly or indirectly from our clients or their agents. For example,
    through information we collect from our clients in the course of providing
    services to them.
  • From third-parties that interact with us in connection with the platform
    function or services we perform. For example, verification services used for
    state and federal permission and consent records.
  • Information you provide us through telephone and websites, customer service
    correspondence, and general feedback.
  • In addition, we may receive information about you from other online or
    offline sources, including service providers from whom we validate consumer
    self-reported information, and verify information we already have about you.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of
the following business purposes:

  • To process an inquiry or request you provide. For example, if you provide us
    with your information to share with businesses who will contact you
    regarding a product or service you expressed interest in.
  • To provide you with personalized email, SMS or tele communications
    concerning products or services, information or news, that you may be of
    interest to you through targeted offers and ads (with proper consents, where
    required by law).
  • To carry out our obligations and enforce our rights arising from any
    contracts entered into between us and any affiliates, client network, and/or
    vendors.
  • To improve our platform and the services offered.
  • For testing, research, analysis and technological/product development.
  • To help maintain and protect the rights, safety, security, and integrity of
    our platforms, products and services, databases and other technology assets.
  • To respond to any law enforcement requests and as required by applicable
    law, court order, or governmental regulations.
  • To 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 is among the assets
    transferred.
  • As described to you when collecting your personal information or as
    otherwise set forth in the CCPA.

We will not collect additional categories of personal information or use the
personal information we collected for any other purpose than described herein
without first providing you notice.

Sharing Personal Information

We may share your personal information with a third party for business
purposes. When we disclose personal information for a business purpose, we
enter a contract that describes the purpose and requires the recipient to both
keep that personal information confidential and not use it for any purpose
except performing the services outlined in the contract.

In the preceding twelve (12) months, we have disclosed the following
categories of personal information (as identified above) for a business
purpose:

  • Category: Identifiers
  • Category: Personal information
  • Category: Protected classification characteristics
  • Category: Internet or other similar network activity
  • Category: Professional or employment-related information

We share the above following categories of personal information for a business
purpose to the following third parties:

  • Our affiliates.
  • Service providers.
  • Data aggregators.
  • Third parties to whom you or your agents authorize us to disclose your
    personal information in connection with the products or services you have
    expressed interest in.

Per California CCPA Section 1798.140(t): A business does not sell personal
information when: A consumer uses or directs the business to intentionally
disclose personal information or uses the business to intentionally interact
with a third party, provided the third party does not also sell the personal
information, unless that disclosure would be consistent with the provisions of
this title.

In the preceding twelve (12) months, we have shared your information with
providers of the services or products you have requested. We have also shared
your information with third parties as described above.

Your Rights and Choices

Access to Specific Information and Data Portability Rights-

You have the right to request that we disclose certain information to you
about our collection and use of your personal information over the past 12
months. Once we receive and confirm your verifiable consumer request, we will
provide:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about
    you.
  • Our business or commercial purpose for collecting that personal information.
  • The categories of third parties with whom we share that personal
    information.
  • The specific pieces of personal information we collected about you (also
    called a data portability request).
  • If we disclosed your personal information for a business purpose, two
    separate lists disclosing the following will be provided:
    • Information you provided that was shared with third parties for the
      purposes set forth above and resulted in payment to us which will identify
      the personal information categories that the third party purchased; and
    • Disclosures for a business purpose, identifying the personal information
      categories that each category of recipient obtained.

Deletion Request Rights-

You have the right to request that we correct and/or delete any of your
personal information you provided to this platform and retained, subject to
certain exceptions. Upon receipt and confirmation of your verifiable consumer
request, we will delete (and direct our service providers to delete) your
personal information from our records, unless an exception applies.

We may retain your information despite your deletion request if retaining the
information is necessary for us or our vendors/ service providers to perform
any of the following:

  1. Process your request for which you provided your personal information
  2. Detect security incidents, protect against malicious, deceptive, fraudulent,
    or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended
    functionality of this platform/service.
  4. Internal uses that are reasonably aligned with consumer expectations based
    on your engagement with the platform/services.
  5. Comply with a legal obligation.
  6. Make other internal and lawful uses of that information that are compatible
    with the context in which you provided it.

Exercising Rights, Data Portability, and Deletion Rights-

To exercise your rights, data portability, and deletion rights described
above, please submit a verifiable consumer request
here or send an
email to:
ccpa-request@secureconsumerinfo.com

Only you or a person registered with the California Secretary of State that
you authorize to act on your behalf, may make a verifiable consumer request
related to your personal information or on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability
twice within a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are
    the person (or authorized agent) who provided personal information on the
    platform.
  • Describe your request with satisfactory detail that allows us to accurately
    understand, evaluate, and provide a response.

The above details are important. We will be unable to process/respond to your
request or provide you with personal information if we cannot conclusively
verify your identity or any authority to make the request and/or confirm the
personal information relates to you.

We will only use the personal information provided in a verifiable consumer
request to actually verify the requestor’s identity or authority in order to
process such request.

Response Timing and Format-

We will respond to a verifiable consumer request within 45 days of its receipt
as required. If more time is required (up to 90 days), we will inform you of
the reason and extension period in writing. We will deliver a written response
by mail or electronically, at your request. The information provided will
cover a 12-month period preceding the verifiable consumer request’s receipt.
The response we provide may also explain the reasons we cannot process a
request, if applicable. For requests made, we will select a format to provide
your personal information that is readily useable.

We do not charge 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.

Non-Discrimination-

We will not discriminate against you for exercising any of your CCPA rights.
Unless permitted by the CCPA, we will not:

  • Deny these services.
  • Charge you different prices or rates for goods or services, including
    through granting discounts or other benefits, or imposing penalties.
  • Suggest that you may receive a different price or rate for goods or services
    or a different level or quality of services. Please note: We do not charge
    consumers for use of these services.
  • Provide you a different level or quality of services.

Changes to Our Privacy Notice-

We reserve the right to amend this privacy notice at our discretion and at any
time. When we make changes to this privacy notice, we will notify you by email
or through a notice on this platform.

Contact Information-

If you have any questions or comments regarding this notice, please contact us
at:
Ratemarketplace
6424 E. Greenway Parkway, Suite #118,
Scottsdale, AZ 85254,
support@ratemarketplace.com