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 (e.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 (e.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;
- 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;
- 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;
- Disclosures for a business purpose, identifying the personal information
categories and specific information that each category of third-party
recipient obtained.
Deletion Request Rights
You have the right to request that the Company delete any of your personal
information that we collected from you and retained, subject to certain
exceptions. For example, the Company is not
required to delete your personal information if it is necessary for the
Company to maintain your personal information in order to:
- Complete the transaction for which the personal information was
collected, provide a good or service requested by you, or reasonably
anticipated within the context of the Company's ongoing business
relationship with you, complete the payment of agent commissions, or
otherwise perform a contract between the Company and you;
- Detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity; or prosecute those responsible for that
activity;
- Debug to identify and repair errors that impair existing intended
functionality;
- To enable solely internal uses that are reasonably aligned with your
expectations based on your relationship with the Company;
- Comply with a legal obligation;
- Otherwise use your personal information, internally, in a lawful manner
that is compatible with the context in which you provided the information.
Once we receive and confirm your verifiable consumer request (see
Exercising Your Rights below), we will delete (and direct our service
providers to delete) your personal information from our records, unless an
exception applies under the CCPA.
Right to Opt-Out of Sales
As noted above, we may "sell" your personal information, as that term is
broadly defined under the CCPA. You have the right to request that we not
sell your personal information to third parties ("opt-out") by contacting
us at the toll-free number or website listed below.
Rights of Children Under the Age of 16
We do not sell the personal information of consumers we actually know are
less than 16 years of age. If you are 16 years of age or older, you have
the right to direct us to not sell your personal information at any time.
You may exercise this right by contacting us as described below.
Exercising Your Rights
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. You may also make a
verifiable consumer request 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 about whom we collected personal information or an
authorized representative;
- Describe your request with sufficient detail that allows us to properly
understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information
if we cannot verify your identity or authority to make the request and
confirm the personal information relates to you. Making a verifiable
consumer request does not require you to create an account with us. We will
only use personal information provided in a verifiable consumer request to
verify the requestor's identity or authority to make the request.
To exercise the access, opt-out, and/or deletion rights described herein,
you may call the toll free number below or visit our website:
- Toll Free Number: Please submit a verifiable consumer request to us by
calling us at 800-481-5912; please leave a detailed
message including:
- your name
- your address
- our company name American Group Insurance Brokerage Service, LLC
- Website: To exercise any of these rights, you may submit a request to us
by visiting the following webpage:
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of
its receipt. If we require more time, we will inform you of the reason and
extension period in writing. We will deliver our written response by mail
or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding
the verifiable consumer request's receipt. The response we provide will
also explain the reasons we cannot comply with a request, if applicable.
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 Under CCPA
We will not discriminate against you for exercising any of your CCPA
rights. If you make a CCPA request, we will not, as a direct result:
- Deny you goods or services;
- Charge you different prices or rates for goods or services, including
through granting discounts or other benefits, or imposing penalties;
- Provide you a different level or quality of goods or services;
- Suggest that you may receive a different price or rate for goods or
services or a different level or quality of goods or services.
Other California Privacy Rights
California's "Shine the Light" law (Civil Code Section ยง 1798.83) permits
users of our website that are California residents to request certain
information regarding our disclosure of personal information to third
parties for their direct marketing purposes.
To make such a request, please contact us using the contact methods below.
Contact Information
If you have any questions or comments about your rights under California
law, or want to exercise any of these rights, please do not hesitate to
contact us at:
Phone
: 800-481-5912
Website
:
American Group Insurance Brokerage Service, LLC Privacy Portal
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