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Your privacy is very important to us. This online Privacy Statement for California residents (“Statement”) describes the privacy practices of Answer Financial Inc. and the affiliates listed at the end of this Statement (“Answer Financial” “we,” “our” or “us”). This Privacy Statement explains the information we collect, why we collect it, how we use and share it and the choices you can make regarding your information.
Use the Table of Contents to link directly to a specific section or scroll down to read the Full Privacy Statement.
The following summarizes our Privacy Statement. For more detail, refer to the Full Privacy Statement below. Refer to the Table of Contents to link directly to any section.
Information We Collect and How We Collect It. We collect personal information about you in several ways and from several sources including:
Use of Your Personal Information. We use your information for many reasons, including to:
Sharing Your Personal Information. We do not sell your information. We do share your information with others for business purposes, including with:
Cookies and Other Tracking Technologies: When you visit our websites or mobile apps, view our emails or interact with our advertising, we and our service providers automatically collect information about your use of and access to our website or mobile apps and the device used. We collect this information through a variety of tracking technologies, including cookies, Flash objects, web beacons and similar technology. This information may be combined with personal information we collect directly and may be used to improve, enhance and personalize your experience, monitor and improve our websites and mobile apps and for other internal purposes.
Your Rights as a California Resident and Other Choices: As a California resident, you have certain rights including the right to access your personal information and the right to request deletion of your personal information. To learn more about these rights including how to make a request, refer to the Full Privacy Statement below.
You may also have the right to make other choices about the use or sharing of your information for marketing purposes and may have additional rights to view or correct your personal information.
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. The information we collect varies based on what products and services you have with us.
We collect information about you in several ways and from several sources. We collect personal information directly from you including when you sign up for services, buy a product from us, subscribe to a mailing list, set up an account with us, or during the quoting, registering, or application processes. We and service providers working on our behalf collect personal information from you when you use one of our websites, mobile apps, view our emails or otherwise engage with us through a computer or mobile device (“Sites”) such as IP address, browsing history and other internet activity information. We also collect personal information about you from third parties such as consumer reporting agencies, service providers, marketing companies and data providers.
The following are the categories of personal information that 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 |
|---|---|
| BIOMETRIC AND MULTIMEDIA INFORMATION | Audio, electronic, visual or other recordings. |
| GEOLOCATION DATA | Physical location, movements, or trip tracking information. |
| INFERENCES | In some cases, we may draw inferences from the personal information collected to create a profile reflecting preferences, characteristics, trends, predispositions, behavior, attitudes, and aptitudes, which may also be considered to be personal information. |
| INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION | Browsing history, search history, 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, internet service provider (ISP), cookies, and mobile device including device identifier or other device information, and location information. |
| PERSONAL CHARACTERISTICS | Age, race, ancestry, national origin, citizenship, religion, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information) and other description of your physical characteristics (e.g., height). |
| PERSONAL IDENTIFIERS | Name, alias, signature, postal address, unique personal identifier, online identifier, internet protocol (IP) address, email address, phone number, date of birth, Social Security number, driver's license number, state identification number, passport number, or other similar identifiers. |
| SERVICE OR PRODUCT RELATED INFORMATION | Policy coverage information, policy number, premiums, account name and payment history, driving record, claims history, and credit information, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies, bank account or credit card number or other payment or financial information, medical information or health insurance information, professional or employment-related information, education records such as grades or transcripts, and family member information. |
Our website is not intended for children. We do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen.
We use your personal and other information for business purposes including:
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 or other information with service providers and other third parties for business purposes or as required or permitted by law including with:
We may share the following categories of personal information with the following parties:
| Categories of Personal Information | Categories of Third Parties |
|---|---|
| Biometrics and multimedia information | Companies involved in insurance and other business transactions; Authorized agents or brokers; Service providers; Third parties involved in a business transaction; Law enforcement or regulators |
| Geolocation data | Companies involved in insurance and other business transactions; Authorized agents or brokers; Service providers; Third parties involved in a business transaction; Law enforcement or regulators |
| Internet or other electronic network activity information | Service providers; Marketing and advertising partners |
| Inferences | Companies involved in insurance and other business transactions; Authorized agents or brokers; Service providers; Marketing and advertising partners; Third parties involved in a business transaction; Law enforcement or regulators |
| Personal characteristics | Companies involved in insurance and other business transactions; Authorized agents or brokers; Service providers; Marketing and advertising partners; Third parties involved in a business transaction; Law enforcement or regulators |
| Personal identifiers | Companies involved in insurance and other business transactions; Authorized agents or brokers; Service providers; Marketing and advertising partners; Third parties involved in a business transaction; Law enforcement or regulators |
| Service or product related information | Companies involved in insurance and other business transactions; Authorized agents or brokers; Service providers; Marketing and advertising partners; Third parties involved in a business transaction; Law enforcement or regulators |
Technologies and Information Collected: When you visit our Sites, we and our service providers automatically collect information about your use and access of these Sites. We collect this information through a variety of tracking technologies, including cookies, Flash objects, web beacons (also called pixel tags), embedded scripts, location-identifying technologies, and similar technology (collectively, “tracking technologies”). Information we collect automatically about you may be combined with other personal information we collect directly. The information collected in this manner includes:
Use of the 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:
Our service providers include Adobe and Google. To learn about Adobe Analytics privacy practices or to opt-out of cookies set to facilitate reporting, click here. To learn more about Google’s privacy practices, click here. To access and use the Google Analytics Opt-out Browser Add-on, click here.
Your choices regarding cookies: If you prefer not to accept cookies, most browsers will allow you to change your browser settings to disable existing cookies, automatically request cookies or to notify you when you receive a cookie. However, if you disable, modify, or reject cookies, some parts or functionalities of our Site may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services.
Opting out of online personalized advertising and do not track. We work with third parties to provide marketing content on our website. We or our advertising service providers may use information about your activities on our Sites, to help tailor our advertisements or offers to what may be of interest to you – also called interest-based advertising. The information is gathered using the tracking technologies explained above. Some browsers have a ”do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser ”do not track” signals, but we do provide you the option to opt out of interest-based advertising. To learn more about interest-based advertising or to opt-out of this type of advertising, click here to visit the Network Advertising Initiative website or click here to visit the Digital Advertising Alliance website You may continue to see generic or non-targeted ads about our products and services if you opt-out of interest-based advertising.
California residents have certain rights to access and delete their personal information described in this section, as well as other rights described below.
To better protect you and your personal information, we will only respond to access or deletion requests that we have been able to properly verify through our authentication processes. To verify your identity, you will be asked to provide several pieces of personal information, which we will only use to verify your identity or authority to make the request.
To submit an access or deletion request, please 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.
A California resident may use an authorized agent to submit a right to know request or a request to delete. If you are an agent submitting a request, please send an email to us at privacy@answerfinancial.com 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 consumer’s behalf, or (b) a valid power of attorney issued pursuant to California Probate Code sections 4000 to 4465. We may contact the consumer to verify your authority and/or to authenticate the consumer. 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.
Right to Access Your Personal Information: You have the right to request that we disclose to you certain information about our collection, disclosure and use of your personal information over the past twelve months including:
Right to Deletion of Personal Information: You have the right to request we delete personal information we collected. We will delete your personal information in response to a verifiable request unless needed to:
Non-Discrimination Rights: You have the right not to receive discriminatory treatment by us for the exercise of your California privacy rights.
Other Rights under California Law
California Residents: Right to Opt-Out of Information Sharing: In the state of California, you have the right to restrict the sharing of some personal and financial information with outside companies that we do business with. Your decision to opt out does not prohibit the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about other products or services.
To opt-out, follow one of the below options:
Consumer Request Metrics: The chart below lists the number of access and deletion requests Answer Financial received, complied with and denied from residents of California in 2021 along with the average amount of days it took to complete a request.
| 2021 Data Access Requests | Quantity |
|---|---|
| Number of requests received | 0 |
| Number of requests complied with, in whole or in part | 0 |
| Number of requests denied | 0 |
| Average days to complete a request | 0 |
| 2021 Data Deletion Requests | Quantity |
|---|---|
| Number of requests received | 7 |
| Number of requests complied with, in whole or in part | 6 |
| Number of requests denied | 1 |
| Average days to complete a request | 24 |
Rights to correct and view insurance transaction related personal information: If we have personal information connected with an insurance transaction, there may be additional rights available to view or correct your data. Please refer to the Privacy Policy associated with the insurance product or service for more information.
Privacy choices for consumers of insurance products: You may have rights to restrict the sharing of personal and financial information with our affiliates and outside companies. Please refer to the Privacy Policy associated with your insurance product or service for details and instructions on how to make these choices.
Email Marketing: To opt-out from receiving marketing and promotional emails, please email us at marketing@answerfinancial.com or contact us at the following address:
Answer Financial Inc.
Attn: Marketing Department
4804 Laurel Canyon Blvd. Ste 820
Valley Village, CA 91607
If you opt-out from receiving marketing emails, we may still send you non-marketing emails such as emails about your products or services, responses to your requests and inquiries, or notices of updates to terms and conditions or our privacy practices.
Links to other company’s websites may be provided on the Answer Financial Sites as a convenience to you. If you choose to go to these external websites, you will be subject to the privacy practices of those external websites; Answer Financial is not responsible for the privacy practices of those websites. We encourage you to be aware when you leave our Site to read the privacy policies or statements of every Website you visit, as those privacy policies or statements may differ from ours. Our Privacy Statement applies solely to the Sites where this Privacy Statement appears.
Our website includes Social Media features, such as the Facebook Like button and widgets, such as the Share This button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our website, and may set a cookie to enable the feature to function properly. Social Media features and widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.
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.
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 should have questions or concerns about our privacy practices, please contact us at privacy@answerfinancial.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.
List of affiliates on which behalf this notice is provided and amongst which information may be shared:
Insurance Answer Center, LLC
Right Answer Insurance Agency, LLC