California Privacy Policy

Effective Date: January 1, 2024 | Last Updated: January 1, 2024

1. Scope and Application

This Privacy Policy ("Policy") applies to Wealthify Solution, a California-licensed insurance agency (License #0123456), and governs the collection, use, disclosure, and protection of personal information obtained through our website, mobile applications, and business operations. This Policy applies to all California residents and complies with applicable California privacy laws.

2. Categories of Personal Information Collected

We collect the following categories of personal information as defined under California Civil Code Section 1798.140:

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

B. Personal Information Categories (Cal. Civ. Code § 1798.80(e))

• Name, signature, address, telephone number
• Driver's license or state identification card number
• Insurance policy number, education, employment history
• Bank account number, credit card number, debit card number
• Any other financial information, medical information, or health insurance information

C. Protected Classification Characteristics

• Age (40 years or older), race, color, ancestry, national origin
• Religion or creed, mental or physical disability, sex
• Gender, gender identity, gender expression, pregnancy or childbirth
• Marital status, military or veteran status

D. Commercial Information

• Records of personal property, products or services purchased
• Insurance policies obtained or considered
• Other purchasing or consuming histories or tendencies

E. Internet or Electronic Network Activity

• Browsing history, search history, interaction with websites
• Applications or advertisements, including through cookies and similar technologies

F. Geolocation Data

• Physical location or movements (with consent)

G. Professional or Employment-Related Information

• Current or past job history or performance evaluations
• Professional licenses and certifications

H. Inferences

• Profile reflecting preferences, characteristics, psychological trends
• Predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

3. Sources of Personal Information

We collect personal information from the following sources:

• Directly from you: When you request quotes, apply for coverage, file claims, or communicate with us
• Automatically: Through cookies, web beacons, and similar technologies when you visit our website
• Third parties: Insurance carriers, credit reporting agencies, public records, and business partners
• Service providers: Companies that provide services on our behalf, such as payment processors and marketing platforms

4. Business Purposes for Collection and Use

We collect and use personal information for the following business purposes as defined under California Civil Code Section 1798.140(d):

A. Performing Services

• Providing insurance quotes, recommendations, and policy administration
• Processing insurance applications and underwriting decisions
• Handling claims processing and customer service requests
• Maintaining and servicing accounts and providing customer service

B. Security and Fraud Prevention

• Detecting security incidents and protecting against malicious, deceptive, fraudulent, or illegal activity
• Prosecuting those responsible for such activity
• Verifying individual identity and preventing fraud

C. Debugging and Improvement

• Debugging to identify and repair errors that impair existing intended functionality
• Undertaking internal research for technological development and demonstration
• Undertaking activities to verify or maintain the quality or safety of services

D. Legal Compliance

• Complying with federal, state, and local laws and regulations
• Responding to lawful requests from government agencies
• Exercising or defending legal claims

5. Disclosure of Personal Information

We may disclose personal information to the following categories of third parties for business purposes:

A. Insurance Companies and Underwriters

• To obtain insurance quotes and process policy applications
• For underwriting, claims processing, and policy administration
• To facilitate coverage placement and risk assessment

B. Service Providers and Vendors

• Technology service providers for website hosting and maintenance
• Payment processors for transaction processing
• Marketing and communication service providers
• Professional service providers (attorneys, accountants, consultants)

C. Government Agencies and Legal Authorities

• When required by federal, state, or local law
• In response to lawful subpoenas, court orders, or government requests
• To comply with regulatory reporting requirements
• To protect our rights, property, or safety, or that of others

D. Business Partners

• With your explicit consent for specific services or products
• Joint marketing arrangements (with opt-out rights)

6. Data Security and Protection Measures

We implement comprehensive administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction. These measures include:

A. Technical Safeguards

• Advanced encryption protocols (AES-256) for data transmission and storage
• Secure Socket Layer (SSL) technology for website communications
• Multi-factor authentication for system access
• Regular security vulnerability assessments and penetration testing
• Automated security monitoring and intrusion detection systems

B. Administrative Safeguards

• Comprehensive employee training on data protection and privacy practices
• Background checks for employees with access to personal information
• Role-based access controls limiting data access to authorized personnel
• Regular review and updating of security policies and procedures
• Incident response procedures for potential data breaches

C. Physical Safeguards

• Secure facilities with controlled access and surveillance systems
• Locked storage for physical documents containing personal information
• Secure disposal procedures for documents and electronic media
• Environmental controls to protect against natural disasters

7. Data Retention and Disposal

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Our retention periods are based on:

• Insurance Records: Maintained for the duration of the policy term plus seven (7) years as required by California insurance regulations
• Claims Records: Retained for ten (10) years from claim closure or as required by applicable statutes of limitations
• Marketing Communications: Until you opt out or request deletion, subject to legal requirements
• Website Analytics: Typically retained for 26 months unless longer retention is required by law

When personal information is no longer needed, we securely dispose of it using industry-standard methods including secure deletion of electronic files and physical destruction of paper documents.

8. Cookies and Tracking Technologies

Our website uses cookies, web beacons, and similar tracking technologies. We use the following types of cookies:

A. Essential Cookies

• Required for website functionality and security
• Cannot be disabled without affecting site performance

B. Analytics Cookies

• Help us understand how visitors use our website
• Provide insights for improving user experience
• Include Google Analytics and similar services

C. Marketing Cookies

• Used to deliver relevant advertisements
• Track effectiveness of marketing campaigns
• Require your consent before activation

You can control cookie settings through your browser preferences or by using our cookie consent tool. Note that disabling certain cookies may affect website functionality.

9. California Consumer Privacy Rights

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have the following rights regarding their personal information:

A. Right to Know

• The categories of personal information we collect about you
• The categories of sources from which we collect personal information
• The business or commercial purposes for collecting personal information
• The categories of third parties with whom we share personal information
• The specific pieces of personal information we have collected about you

B. Right to Delete

• Request deletion of personal information we have collected about you
• Subject to certain exceptions for legal compliance, fraud prevention, and legitimate business purposes

C. Right to Correct

• Request correction of inaccurate personal information we maintain about you

D. Right to Opt-Out

• Opt out of the sale or sharing of personal information (Note: We do not sell personal information)
• Opt out of targeted advertising

E. Right to Limit Use of Sensitive Personal Information

• Request limitation of use and disclosure of sensitive personal information

F. Right to Non-Discrimination

• We will not discriminate against you for exercising your privacy rights
• We will not deny services, charge different prices, or provide different quality of service

6. Cookies and Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and user experience

You can control cookie settings through your browser preferences.

10. Third-Party Links and Services

Our website may contain links to third-party websites, applications, or services that are not owned or controlled by Wealthify Solution. This Privacy Policy does not apply to third-party websites or services.

Third-Party Services We Use

• Insurance Carriers: We work with licensed California insurance companies to provide quotes and coverage
• Payment Processors: Secure payment processing services for premium payments
• Analytics Services: Website analytics to improve user experience
• Communication Tools: Email and messaging services for customer communication

11. Children's Privacy Protection

Wealthify Solution does not knowingly collect personal information from children under the age of 13. Our services are designed for adults seeking insurance coverage.

If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete such information promptly. If you believe we may have collected information from a child under 13, please contact us immediately at privacy@wealthifysolution.com.

12. International Data Transfers

Your personal information is primarily processed and stored within the United States, specifically in California. If we transfer your information outside of California or the United States, we will ensure appropriate safeguards are in place to protect your privacy rights in accordance with California law.

9. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

13. Policy Changes and Updates

Wealthify Solution reserves the right to update this Privacy Policy to reflect changes in our practices, technology, legal requirements, or other factors. We will provide notice of material changes as required by California law.

How We Notify You of Changes

• Website Notice: Posting the updated policy on our website with a new effective date
• Email Notification: Sending notice to your registered email address for material changes
• Account Dashboard: Displaying notifications in your customer portal
• Direct Mail: Mailing notice for significant policy changes as required by law

Your continued use of our services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy. If you do not agree with the changes, you may discontinue using our services and request deletion of your personal information, subject to legal retention requirements.

14. Contact Information and Privacy Officer

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact our Privacy Officer:

California Insurance Department

As a California-licensed insurance agency, we are also subject to oversight by the California Department of Insurance. You may contact them with insurance-related privacy concerns:

• Website: www.insurance.ca.gov
• Phone: 1-800-927-4357
• Address: California Department of Insurance, 300 Capitol Mall, Sacramento, CA 95814