California Notice at Collection

Pursuant to the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), we are required to inform California residents at or before the point of data collection about the categories of personal information we collect, the purposes for which we use it, whether it is sold or shared, and how long we retain it.

We collect the following categories of personal information:

Identifiers (e.g., name, email address, phone number, IP address)

• Used for account management, communication, identity verification, and fraud prevention.
• Identifiers are not sold or shared, except as disclosed within this Policy.

Commercial Information (e.g., purchase or claim history)

• Used for fulfilling orders, underwriting, and recordkeeping.
• Commercial Information is not sold or shared, except as disclosed within this Policy.

Internet or Electronic Network Activity (e.g., browsing history, search history, clickstream data)

• Used for analytics, marketing, and website performance monitoring.
• Internet or Network Activity is not sold or shared, except as disclosed within this Policy.

Geolocation Data (via IP address)

• Used for fraud prevention and website security.
• Geolocation Data is not sold or shared, except as disclosed within this Policy.

Inferences (e.g., preferences derived from interactions)

• Used for improving user experience and personalizing services.
• Inferences are not sold or shared, except as disclosed within this Policy.

Sensitive Personal Information (if collected)

• Used only for essential business purposes such as fraud prevention or legal compliance.
• Sensitive Personal Information is not sold or shared, except as disclosed within this Policy.

We do not use or disclose Sensitive Personal Information for purposes other than those explicitly permitted under applicable law. We do not sell or share personal information for monetary compensation or for cross-context behavioral advertising.