This Business Privacy Statement (“Privacy Statement”) describes Answer Financial Inc.’s (“Answer”, “we”, “our”, or “us”) privacy practices relating to the collection, use and sharing of personal information of individuals who we interact with within a business context. This includes individuals acting on behalf of a current, former, or prospective service provider, vendor, or other business relationship with Answer.
We collect personal and other information about you. Personal information is data that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you. Other information does not and cannot reveal an individual’s identity such as information that has been de-identified or aggregated.
We collect personal information about you in several ways from several sources. We may collect personal information directly from you as part of our business relationship, including but not limited to personal information provided in connection with the onboarding, enrolling, referral, and quoting processes, as well as information necessary to facilitate commission payments. We collect information automatically from you when you use our websites, view our emails or otherwise engage with us through a computer or mobile device (“Sites”). We may also collect personal information about you from third parties such as consumer reporting agencies and data providers to run credit reports or do background checks. We do not knowingly collect any information from children under the age of sixteen.
The following are the categories of personal information we have collected and shared for at least the past 12 months, and examples of the personal information that fall into those categories:
|Personal information categories||Examples|
|Personal identifiers||Name, alias, signature, postal address, email address, unique personal identifier, online identifier, internet protocol (IP) address, phone number, date of birth, Social Security number, driver's license number, state identification number, or passport number.|
|Personal characteristics||Age, citizenship, or sex.|
|Professional information||Producer number, agent number or other professional license number, bank account or credit card number or other payment or financial information, employer tax identification number, professional history or employment-related information.|
|Biometrics and multimedia information||Audio, electronic, or other recordings.|
|Internet or other electronic network activity information||Information regarding your interaction with our website, application or advertisement, links you use or web pages you visit while visiting our site or applications, browser type, or internet service provider (ISP).|
Sensitive Personal Information
Some personal information we collect is defined under the law as sensitive personal information. Sensitive personal information we collect may include your social security number, driver’s license number, state identification card number, passport number, account log-in information or financial account numbers.
We use sensitive personal information only as reasonably necessary to maintain our business relationship, to maintain your accounts, process payments, to detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions and to prosecute those responsible for those actions, to ensure peoples’ physical safety, or other reasons that do not require an opt-out of this use.
We use personal information collected from or about you for business purposes including to:
We retain personal information in accordance with applicable laws or regulatory requirements and also for as long as necessary to fulfill the purposes for which it was collected and to fulfill the business or commercial purposes that are explained in this Privacy Statement.
We do not sell your personal information. We may share your personal information with our affiliates for business purposes consistent with the uses described in this Privacy Statement. We may also share information about you with third parties whenever you consent to or direct such sharing. We strive to work with companies that share our commitment to privacy. We may also share information with others in an aggregated or de-identified form that does not reasonably identify you.
We may also share your personal information with third parties for business purposes or as required or permitted by law including with:
Depending on the circumstances, we may share any of the listed categories of personal information with the above categories of third parties.
Use of tracking technology information: We or our service providers may use the information collected through tracking technologies to improve, enhance and personalize your customer experience, to monitor and improve our Sites and for other internal purposes such as to:
California residents have certain rights under the California Consumer Privacy Act (CCPA) to access, correct and delete personal information, and other rights described below.
Right to Know and Access Your Personal Information: You have the right to request the specific pieces of personal information we have collected about you and the right to know:
Right to Deletion of Personal Information: You have the right to request deletion of personal information collected from you, subject to certain exceptions including that we need the personal information to:
Right to Correct Personal Information: You have the right to request we correct any inaccurate information we have about you. We may request that you provide documentation to support your request and we will correct your information unless we determine that the personal information is more than likely accurate.
Non-Discrimination Rights: We don’t discriminate against you if you exercise any of the privacy rights described in this privacy statement.
Verified Requests: To protect you and your personal information, we will only respond to requests to know, access, delete or correct that we have been able to properly verify through our authentication processes. To verify your identity, you will be asked to provide specific pieces of personal information in order for us to search our systems and determine if we have information about you, such as name, birth date, and/or the last four digits of your Social Security number, which we only use to verify your identity or authority to make the request.
You may also make requests to know, access, review, delete or correct your personal information through an authorized agent if you give the agent signed permission to submit the request. If an authorized agent submits a request on your behalf, we may ask you to verify your identity and confirm that you provided the authorized agent permission to submit the request.
Submitting a Request: To submit an access, deletion, or correction request, click here to submit an online request or call us at 1-888-982-9111.
Responses to a verified request may take up to 45 calendar days, or longer depending on the nature of the request. If additional time is needed, we will notify you of the additional time. We may only respond to two access requests within a 12-month period. If you are an agent submitting a request, please send an email to us at firstname.lastname@example.org with the following information: your contact information, identify the type of request, the name of the consumer you are submitting the request on behalf of along with either a) a letter signed by the consumer authorizing you as the agent to submit a CCPA request on the individual’s behalf, or (b) a valid power of attorney issued pursuant to California Probate Code sections 4121 to 4130. We may contact the individual to verify your authority and/or to authenticate the individual. We may deny a request from an agent that does not submit proof that they have been authorized by the appropriate California resident to act on their behalf.
The security of your personal information is important to us. We use a combination of reasonable technical, administrative, and physical safeguards to protect your personal information. However, no website, mobile application, database or system is completely secure or “hacker proof.” So, we cannot guarantee its absolute security. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse and to follow and implement all policies and practices to protect personal information collected by us.
We limit access to your personal information to those who need it to do their jobs. We comply with all applicable federal and state data security laws.
If you have questions or concerns about our privacy practices, please contact email@example.com.
We may periodically update or revise this Privacy Statement. The date at the top of this page shows when this Privacy Statement was last revised. We will let you know when we update the Privacy Statement by changing the date or other appropriate means.