Introduction
This Privacy Notice for California Residents (“Privacy Notice”) supplements the information contained in the Quote Maestro Privacy Policy (the “Privacy Policy”) made available on the website located at https://quotemaestro.com/
(the “Site”). The Site is owned and operated by Quote Maestro (“Company,” “we,” “us” or “our”). This Privacy Notice applies solely to residents of the State of California (“Users”). We adopt this Privacy Notice in compliance with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable California State privacy laws. Any terms defined in the CCPA have the same meaning when used in this Privacy Notice. Users with disabilities who wish to access this Privacy Notice in an alternative format can contact us by calling us at: 800-257-7370; emailing us at: policy@quotemaestro.com
or sending us U.S. mail to: 301 SW 1st Ave, Unit 3202, Fort Lauderdale, FL 33301.
Categories of Information We Collect
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular User or device (“personal information”). In particular, we have collected the following categories of personal information from Users within the last twelve (12) months on Quote Maestro:
| Category | Examples | Collected |
|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver’s license or State identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
| C. Protected classification characteristics under California or federal law | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, 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). | YES |
| F. Internet or other similar network activity | Browsing history, search history, information on a User’s interaction with a website, application or advertisement. | YES |
| I. Professional or employment-related information | Current or past job history or performance evaluations. | YES |
Personal information does not include:
Publicly available information from government records is not considered personal information under CCPA. De-identified or aggregated User information, which has been stripped of identifiers or combined with other data so that individual Users cannot be identified, is also not considered personal information.
Certain information is excluded from the scope of the CCPA, including:
Health or medical information covered by HIPAA and the California Confidentiality of Medical Information Act (CMIA), or clinical trial data.
Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
We obtain the categories of personal information listed above from the following categories of sources:
We collect information about our Users from several sources:
Directly from our Users: For example, when Users submit online registration forms related to the products and/or services offered through our Site.
Indirectly from our Users: For example, through information we gather while providing our products and/or services to them.
From activity on the Site: This includes information about your browser type (e.g., Safari, Chrome, Internet Explorer), IP address, operating system (e.g., Windows or iOS), and the domain name of your Internet Service Provider. We also collect certain usage details and analytics automatically through our Site and third-party partners such as Google® and Hotjar®.
From social media interactions: When Users engage with us on our social media accounts, including commenting on or liking posts.
From promotions or sweepstakes: Directly from Users who submit online registration forms to participate in promotions or sweepstakes featured on our Site.
From third-party service providers: For example, entities that assist us with sending direct or electronic mail, removing duplicate information from User lists, analyzing data, and providing marketing analysis.
From third-party data brokers or aggregators.
From publicly available sources: Such as Internet search engines.
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following business purposes:
To fulfill the reason the information was provided. For example, if you provide personal information to request a price quote or other information about the health insurance products and services on the Site, we use that information to provide you with the requested quote or information.
To provide you with the information, products, or services you request from us.
To create, maintain, customize, and secure your account with us.
To enable your participation in sweepstakes or promotions featured on the Site.
To send you email, direct mail, or telemarketing messages regarding Company products and services, as well as third-party products and services we believe may interest you.
To deliver relevant Site content and advertisements and to measure or understand the effectiveness of the advertising we serve.
To carry out our obligations and enforce our rights under any contracts you have with us, including the Site’s Terms and Conditions.
To improve the Site and better present its contents to you.
For customer service purposes and to respond to your inquiries.
For testing, research, analysis, and product development.
As necessary or appropriate to protect our rights, property, or safety, as well as that of our clients or others.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described at the time we collect your personal information or as otherwise outlined in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, including personal information, whether as a going concern or as part of bankruptcy, liquidation, or similar proceedings.
We will not collect additional categories of personal information or use the information we collect for materially different, unrelated, or incompatible purposes without providing you with notice.
Sharing Personal Information
Subject to your right to opt out of sharing or sale, we may share, rent, and/or sell your personal information to third parties for marketing purposes, as well as for other business purposes. When we disclose personal information to a third-party service provider or other entity, we enter into a contractual agreement that specifies the purpose for which the third party may use the information. These agreements require the third party to keep the information confidential and not use it for any purpose other than performing the services outlined in the contract.
Please note that we do not knowingly collect information from Users under the age of 18, and we do not share or sell personal information of Users we know to be under 18. Furthermore, in the past twelve (12) months, we have not shared or sold the personal information of Users known to be under 16.
In the past twelve (12) months, we have disclosed personal information for business purposes, including:
Identifiers (e.g., name, email address, account information)
California Customer Records personal information categories
Protected classification characteristics under California or federal law
Internet or other similar network activity
Professional or employment-related information
We disclose your personal information for business purposes to the following categories of third parties:
Our affiliates
Service providers
Third parties who provide the health insurance-related products and services featured on the Site
Third parties who purchase or license your personal information for marketing purposes, such as providers of direct marketing services, email marketers, telemarketers (where allowed by law), and direct marketers. Any third party that purchases your information and intends to resell it is legally required to provide you with explicit notice and an opportunity to opt out of further sales.
Third parties you authorize us to disclose your personal information to in connection with the products and services we provide to you
In the past twelve (12) months, we have sold the following categories of personal information to third parties:
Identifiers
California Customer Records personal information categories
Protected classification characteristics under California or federal law
Internet or other similar network activity
Professional or employment-related information
During this period, we have: (a) sold personal information to third parties who purchase or license your information for marketing purposes, as well as to third parties providing the health insurance-related products and services featured on the Site, and (b) shared personal information for the business purposes described above.
Your Rights and Choices
The CCPA provides Users (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Opt-Out from the Sale of Your Personal Information
You have the right to opt out of the sale of your personal information to third parties. To exercise your right to opt out, please submit a verifiable request by one of the following methods:
Call us at: 800-257-7370
Email us at: policy@quotemaestro.com
Send U.S. mail to: Quote Maestro, [Your Street Address], [City, State ZIP]
We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve (12) months. Once we receive and verify your request, we will disclose to you:
The categories of personal information we collected about you.
The categories of sources from which we collected your personal information.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third parties with whom we have shared that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable User request, we will delete (and direct our service providers to delete) your personal information from our (their) records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech rights, ensure the right of another User to exercise their free speech rights or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with User expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Response Timing and Format
We endeavor to respond to all verifiable User requests within forty-five (45) days of the receipt thereof. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the receipt of your verifiable request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services;
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
- Provide you a different level or quality of goods or services; and/or
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
- Changes to this Privacy Notice
We reserve the right to amend this Privacy Notice in our discretion and at any time. When we make changes to this Privacy Notice, we will notify you by email or through a notice on the Site”™s homepage.
