This California Privacy Rights Addendum supplements our main Privacy Policy and applies only to California residents. It is provided to comply with the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA).

1. Categories of Personal Information We Collect

In addition to the information described in our main Privacy Policy, California law requires us to disclose the categories of personal information we may collect:

• Identifiers (such as name, address, email, phone number)
• Characteristics of protected classifications under California or federal law (such as age or marital status when relevant for insurance purposes)
• Internet or electronic activity (such as IP address, device data, browsing activity)
• Professional or employment information (when needed for retirement products or annuities)
• Limited health or medical information (only as necessary for insurance quotes and enrollment)
• Inferences drawn to create a profile about your preferences (such as interest in Medicare vs. individual health insurance)

2. How We Use Personal Information

We use this information to:

• Provide insurance quotes, retirement planning, and related services
• Communicate with you about your inquiries or policies
• Conduct marketing and advertising activities
• Comply with licensing and regulatory obligations

3. Your Privacy Rights in California

As a California resident, you have the following rights (subject to legal exceptions):

• Right to Know: You may request details about the personal information we collect, use, disclose, or share.
• Right to Delete: You may request that we delete your personal information, subject to certain exemptions (such as compliance with laws or contractual obligations).
• Right to Correct: You may request corrections to inaccurate personal information.
• Right to Opt-Out of Sale/Sharing: We do not sell personal information, but certain online advertising practices may be considered “sharing” under California law. You can opt out of targeted advertising by adjusting your browser or social media ad preferences.
• Right to Limit Sensitive Personal Information: You may request that we limit the use of sensitive personal information, such as health-related details, beyond what is necessary to provide services.
• Right to Non-Discrimination: You will not be treated differently if you exercise your privacy rights.

4. Submitting a Privacy Request

To exercise your rights, you may contact us by:

• Email: [Insert Contact Email]
• Phone: [Insert Phone Number]
• Mail: [Insert Mailing Address]

We will verify your identity before responding to your request. You may also designate an authorized agent to make a request on your behalf.

5. “Do Not Track” Notice

Our website does not respond to “Do Not Track” signals. However, you may manage cookie preferences and opt out of targeted advertising as described in Section 3 of our Privacy Policy.