Seibel InsurancePrivacy Policy Our Privacy Policy was last updated on 05/22/23 This Privacy Policy describes Our policies andprocedures on the collection, use and disclosure of Your information when Youuse the Service and tells You about Your privacy rights and how the lawprotects You. We use Your Personal data to provide and improvethe Service. By using the Service, You agree to the collection and use ofinformation in accordance with this Privacy Policy. Interpretation and DefinitionsInterpretation The words of which the initial letter iscapitalized have meanings defined under the following conditions. The followingdefinitions shall have the same meaning regardless of whether they appear insingular or in plural.Definitions For the purposes of this Privacy Policy: ● "Account" means a unique account created for You to access ourService or parts of our Service. ● "Business", for the purpose of the CCPA (California ConsumerPrivacy Act), refers to the Company as the legal entity that collectsConsumers' personal information and determines the purposes and means of theprocessing of Consumers' personal information, or on behalf of which suchinformation is collected and that alone, or jointly with others, determines thepurposes and means of the processing of consumers' personal information, thatdoes business in the State of California. ● "Company" (referred to as either "the Company","We", "Us" or "Our" in this Agreement) refers to SeibelInsurance
For the purpose of the GDPR, the Company is the Data Controller. ● "Country" refers to United States of America ● "Consumer", for the purpose of the CCPA (California ConsumerPrivacy Act), means a natural person who is a California resident. A resident,as defined in the law, includes (1) every individual who is in the USA forother than a temporary or transitory purpose, and (2) every individual who isdomiciled in the USA who is outside the USA for a temporary or transitorypurpose. ● "Cookies" are small files that are placed on Your computer,mobile device or any other device by a website, containing the details of Yourbrowsing history on that website among its many uses. ● "Data Controller", for the purposes of the GDPR (General DataProtection Regulation), refers to the Company as the legal person which aloneor jointly with others determines the purposes and means of the processing ofPersonal Data. ● "Device" means any device that can access the Service such as acomputer, a cell phone or a digital tablet. ● "Do Not Track" (DNT)” is a concept that has been promoted by USregulatory authorities, in particular the U.S. Federal Trade Commission (FTC),for the Internet industry to develop and implement a mechanism for allowinginternet users to control the tracking of their online activities acrosswebsites. ● "Personal Data" is any information that relates to anidentified or identifiable individual.
For the purposes of GDPR, Personal Data means any information relating to Yousuch as a name, an identification number, location data, online identifier orto one or more factors specific to the physical, physiological, genetic,mental, economic, cultural or social identity.
For the purposes of the CCPA, Personal Data means any information thatidentifies, relates to, describes or is capable of being associated with, orcould reasonably be linked, directly or indirectly, with You. ● "Sale", for the purpose of the CCPA (California ConsumerPrivacy Act), means selling, renting, releasing, disclosing, disseminating,making available, transferring, or otherwise communicating orally, in writing,or by electronic or other means, a Consumer's personal information to anotherbusiness or a third party for monetary or other valuable consideration. ● "Service" refers to the Website. ● "Service Provider" means any natural or legal person whoprocesses the data on behalf of the Company. It refers to third-party companiesor individuals employed by the Company to facilitate the Service, to providethe Service on behalf of the Company, to perform services related to theService or to assist the Company in analyzing how the Service is used. For thepurpose of the GDPR, Service Providers are considered Data Processors. ● "Usage Data" refers to data collected automatically, eithergenerated by the use of the Service or from the Service infrastructure itself(for example, the duration of a page visit). ● "Website" refers to Seibel Insurance’s Website accessiblefrom www.seibelinsurance.com ● "You" means the individual accessing or using the Service, orthe company, or other legal entity on behalf of which such individual isaccessing or using the Service, as applicable.
Under GDPR (General Data Protection Regulation), You can be referred to as theData Subject or as the User as you are the individual using the Service. Collecting and Using YourPersonal DataTypes of Data CollectedPersonal Data While using Our Service, We may ask You toprovide Us with certain personally identifiable information that can be used tocontact or identify You. Personally identifiable information may include, butis not limited to: ● Email address● First name and last name● Phone number● Address, State, Province,ZIP/Postal code, City● Usage DataUsage Data Usage Data is collected automatically whenusing the Service. Usage Data may include information such asYour Device's Internet Protocol address (e.g. IP address), browser type,browser version, the pages of our Service that You visit, the time and date ofYour visit, the time spent on those pages, unique device identifiers and otherdiagnostic data. When You access the Service by or through amobile device, We may collect certain information automatically, including, butnot limited to, the type of mobile device You use, Your mobile device uniqueID, the IP address of Your mobile device, Your mobile operating system, thetype of mobile Internet browser You use, unique device identifiers and otherdiagnostic data. We may also collect information that Yourbrowser sends whenever You visit our Service or when You access the Service byor through a mobile device.Tracking Technologies and Cookies We use Cookies and similar trackingtechnologies to track the activity on Our Service and store certaininformation. Tracking technologies used are beacons, tags, and scripts tocollect and track information and to improve and analyze Our Service. Thetechnologies We use may include: ● Cookies or Browser Cookies. A cookie is a smallfile placed on Your Device. You can instruct Your browser to refuse all Cookiesor to indicate when a Cookie is being sent. However, if You do not acceptCookies, You may not be able to use some parts of our Service. Unless you haveadjusted Your browser setting so that it will refuse Cookies, our Service mayuse Cookies.● Web Beacons. Certain sections of our Serviceand our emails may contain small electronic files known as web beacons (alsoreferred to as clear gifs, pixel tags, and single-pixel gifs) that permit theCompany, for example, to count users who have visited those pages or opened anemail and for other related website statistics (for example, recording thepopularity of a certain section and verifying system and server integrity). Cookies can be "Persistent" or"Session" Cookies. Persistent Cookies remain on Your personalcomputer or mobile device when You go offline, while Session Cookies aredeleted as soon as You close Your web browser. We use both Session and Persistent Cookies forthe purposes set out below: ● Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services availablethrough the Website and to enable You to use some of its features. They help toauthenticate users and prevent fraudulent use of user accounts. Without theseCookies, the services that You have asked for cannot be provided, and We onlyuse these Cookies to provide You with those services. ● Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies onthe Website. ● Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use theWebsite, such as remembering your login details or language preference. Thepurpose of these Cookies is to provide You with a more personal experience andto avoid You having to re-enter your preferences every time You use theWebsite. ● Tracking and Performance Cookies
Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies are used to track information about traffic to theWebsite and how users use the Website. The information gathered via these Cookiesmay directly or indirectly identify you as an individual visitor. This isbecause the information collected is typically linked to a pseudonymousidentifier associated with the device you use to access the Website. We mayalso use these Cookies to test new pages, features or new functionality of theWebsite to see how our users react to them. For more information about the cookies we useand your choices regarding cookies, please visit our Cookies Policy or theCookies section of our Privacy Policy. Use of Your Personal Data The Company may use Personal Data for thefollowing purposes: ● To provide and maintain our Service, includingto monitor the usage of our Service.● To manage Your Account: to manage Yourregistration as a user of the Service. The Personal Data You provide can giveYou access to different functionalities of the Service that are available toYou as a registered user.● For the performance of a contract: thedevelopment, compliance and undertaking of the purchase contract for theproducts, items or services You have purchased or of any other contract with Usthrough the Service.● To contact You: To contact You by email,telephone calls, SMS, or other equivalent forms of electronic communication,such as a mobile application's push notifications regarding updates orinformative communications related to the functionalities, products orcontracted services, including the security updates, when necessary orreasonable for their implementation.● To provide You with news, special offers andgeneral information about other goods, services and events which we offer thatare similar to those that you have already purchased or enquired about unlessYou have opted not to receive such information.● To manage Your requests: To attend and manageYour requests to Us.● For business transfers: We may use Yourinformation to evaluate or conduct a merger, divestiture, restructuring,reorganization, dissolution, or other sale or transfer of some or all of Ourassets, whether as a going concern or as part of bankruptcy, liquidation, orsimilar proceeding, in which Personal Data held by Us about our Service usersis among the assets transferred.● For other purposes: We may use Yourinformation for other purposes, such as data analysis, identifying usagetrends, determining the effectiveness of our promotional campaigns and toevaluate and improve our Service, products, services, marketing and yourexperience. We may share Your personal information in thefollowing situations: ● With Service Providers: We may share Yourpersonal information with Service Providers to monitor and analyze the use ofour Service, for payment processing, to contact You.● For business transfers: We may share ortransfer Your personal information in connection with, or during negotiationsof, any merger, sale of Company assets, financing, or acquisition of all or aportion of Our business to another company.● With Affiliates: We may share Your informationwith Our affiliates, in which case we will require those affiliates to honorthis Privacy Policy. Affiliates include Our parent company and any othersubsidiaries, joint venture partners or other companies that We control or thatare under common control with Us.● With business partners: We may share Yourinformation with Our business partners to offer You certain products, servicesor promotions.● With other users: when You share personalinformation or otherwise interact in the public areas with other users, suchinformation may be viewed by all users and may be publicly distributed outside.● With Your consent: We may disclose Yourpersonal information for any other purpose with Your consent.Retention of Your Personal Data The Company will retain Your Personal Dataonly for as long as is necessary for the purposes set out in this PrivacyPolicy. We will retain and use Your Personal Data to the extent necessary tocomply with our legal obligations (for example, if we are required to retainyour data to comply with applicable laws), resolve disputes, and enforce ourlegal agreements and policies. The Company will also retain Usage Data forinternal analysis purposes. Usage Data is generally retained for a shorterperiod of time, except when this data is used to strengthen the security or toimprove the functionality of Our Service, or We are legally obligated to retainthis data for longer time periods.Transfer of Your Personal Data Your information, including Personal Data, isprocessed at the Company's operating offices and in any other places where theparties involved in the processing are located. It means that this informationmay be transferred to — and maintained on — computers located outside of Yourstate, province, country or other governmental jurisdiction where the dataprotection laws may differ than those from Your jurisdiction. Your consent to this Privacy Policy followedby Your submission of such information represents Your agreement to thattransfer. The Company will take all steps reasonablynecessary to ensure that Your data is treated securely and in accordance withthis Privacy Policy and no transfer of Your Personal Data will take place to anorganization or a country unless there are adequate controls in place includingthe security of Your data and other personal information.Disclosure of Your Personal DataBusiness Transactions If the Company is involved in a merger,acquisition or asset sale, Your Personal Data may be transferred. We will providenotice before Your Personal Data is transferred and becomes subject to adifferent Privacy Policy.Law enforcement Under certain circumstances, the Company maybe required to disclose Your Personal Data if required to do so by law or inresponse to valid requests by public authorities (e.g. a court or a governmentagency). Other legal requirements The Company may disclose Your Personal Data inthe good faith belief that such action is necessary to: ● Comply with a legal obligation● Protect and defend the rights orproperty of the Company● Prevent or investigate possiblewrongdoing in connection with the Service● Protect the personal safety ofUsers of the Service or the public● Protect against legal liability Security of Your Personal Data The security of Your Personal Data isimportant to Us, but remember that no method of transmission over the Internet,or method of electronic storage is 100% secure. While We strive to usecommercially acceptable means to protect Your Personal Data, We cannot guaranteeits absolute security.Detailed Information on theProcessing of Your Personal Data The Service Providers We use may have accessto Your Personal Data. These third-party vendors collect, store, use, processand transfer information about Your activity on Our Service in accordance withtheir Privacy Policies.AnalyticsWe may use third-party Service providers tomonitor and analyze the use of our Service. Google AnalyticsWebflow AnalyticsEmail Marketing We may use Your Personal Data to contact Youwith newsletters, marketing or promotional materials and other information thatmay be of interest to You. You may opt-out of receiving any, or all, of thesecommunications from Us by following the unsubscribe link or instructionsprovided in any email We send or by contacting Us. BetterAgency Payments We may provide paid products and/or serviceswithin the Service. In that case, we may use third-party services for paymentprocessing (e.g. payment processors). We will not store or collect Your payment carddetails. That information is provided directly to Our third-party paymentprocessors whose use of Your personal information is governed by their PrivacyPolicy. These payment processors adhere to the standards set by PCI-DSS asmanaged by the PCI Security Standards Council, which is a joint effort ofbrands like Visa, Mastercard, American Express and Discover. PCI-DSSrequirements help ensure the secure handling of payment information. none GDPR Privacy PolicyLegal Basis for ProcessingPersonal Data under GDPR We may process Personal Data under thefollowing conditions: ● Consent: You have given Your consent forprocessing Personal Data for one or more specific purposes.● Performance of a contract: Provision of PersonalData is necessary for the performance of an agreement with You and/or for anypre-contractual obligations thereof.● Legal obligations: Processing Personal Data isnecessary for compliance with a legal obligation to which the Company issubject.● Vital interests: Processing Personal Data isnecessary in order to protect Your vital interests or of another naturalperson.● Public interests: Processing Personal Data isrelated to a task that is carried out in the public interest or in the exerciseof official authority vested in the Company.● Legitimate interests: Processing Personal Datais necessary for the purposes of the legitimate interests pursued by theCompany. In any case, the Company will gladly help toclarify the specific legal basis that applies to the processing, and inparticular whether the provision of Personal Data is a statutory or contractualrequirement, or a requirement necessary to enter into a contract.Your Rights under the GDPR The Company undertakes to respect theconfidentiality of Your Personal Data and to guarantee You can exercise Yourrights. You have the right under this Privacy Policy,and by law if You are within the EU, to: ● Request access to Your Personal Data. The rightto access, update or delete the information We have on You. Whenever madepossible, you can access, update or request deletion of Your Personal Datadirectly within Your account settings section. If you are unable to performthese actions yourself, please contact Us to assist You. This also enables Youto receive a copy of the Personal Data We hold about You.● Request correction of the Personal Data that We hold about You. You have the right to have any incomplete or inaccurate informationWe hold about You corrected.● Object to processing of Your Personal Data.This right exists where We are relying on a legitimate interest as the legalbasis for Our processing and there is something about Your particularsituation, which makes You want to object to our processing of Your PersonalData on this ground. You also have the right to object where We are processingYour Personal Data for direct marketing purposes.● Request erasure of Your Personal Data. Youhave the right to ask Us to delete or remove Personal Data when there is nogood reason for Us to continue processing it.● Request the transfer of Your Personal Data. Wewill provide to You, or to a third-party You have chosen, Your Personal Data ina structured, commonly used, machine-readable format. Please note that thisright only applies to automated information which You initially providedconsent for Us to use or where We used the information to perform a contractwith You.● Withdraw Your consent. You have the right towithdraw Your consent on using your Personal Data. If You withdraw Yourconsent, We may not be able to provide You with access to certain specificfunctionalities of the Service.Exercising of Your GDPR DataProtection Rights You may exercise Your rights of access,rectification, cancellation and opposition by contacting Us. Please note thatwe may ask You to verify Your identity before responding to such requests. IfYou make a request, We will try our best to respond to You as soon as possible. You have the right to complain to a DataProtection Authority about Our collection and use of Your Personal Data. Formore information, if You are in the European Economic Area (EEA), pleasecontact Your local data protection authority in the EEA.CCPA Privacy Policy This privacy notice section for Californiaresidents supplements the information contained in Our Privacy Policy and itapplies solely to all visitors, users, and others who reside in the State ofCalifornia.Categories of PersonalInformation Collected We collect information that identifies,relates to, describes, references, is capable of being associated with, orcould reasonably be linked, directly or indirectly, with a particular Consumeror Device. The following is a list of categories of personal information whichwe may collect or may have been collected from California residents within thelast twelve (12) months. Please note that the categories and examplesprovided in the list below are those defined in the CCPA. This does not meanthat all examples of that category of personal information were in factcollected by Us, but reflects our good faith belief to the best of ourknowledge that some of that information from the applicable category may be andmay have been collected. For example, certain categories of personal informationwould only be collected if You provided such personal information directly toUs. ● Category A: Identifiers.
Examples: A real name, alias, postal address, uniquepersonal identifier, online identifier, Internet Protocol address, emailaddress, account name, driver's license number, passport number, or othersimilar identifiers.
Collected: Yes. ● Category B: Personal information categories listed in the CaliforniaCustomer Records statute (Cal. Civ. Code § 1798.80(e)).
Examples: A name, signature, Social Security number,physical characteristics or description, address, telephone number, passport number,driver's license or state identification card number, insurance policy number,education, employment, employment history, bank account number, credit cardnumber, debit card number, or any other financial information, medicalinformation, or health insurance information. Some personal informationincluded in this category may overlap with other categories.
Collected: Yes. ● Category C: Protected classification characteristics under Californiaor federal law.
Examples: 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, genderidentity, gender expression, pregnancy or childbirth and related medicalconditions), sexual orientation, veteran or military status, geneticinformation (including familial genetic information).
Collected: No. ● Category D: Commercial information.
Examples: Records and history of products or servicespurchased or considered.
Collected: Yes. ● Category E: Biometric information.
Examples: Genetic, physiological, behavioral, andbiological characteristics, or activity patterns used to extract a template orother identifier or identifying information, such as, fingerprints, faceprints,and voiceprints, iris or retina scans, keystroke, gait, or other physicalpatterns, and sleep, health, or exercise data.
Collected: No. ● Category F: Internet or other similar network activity.
Examples: Interaction with our Service oradvertisement.
Collected: Yes. ● Category G: Geolocation data.
Examples: Approximate physical location.
Collected: No. ● Category H: Sensory data.
Examples: Audio, electronic, visual, thermal,olfactory, or similar information.
Collected: No. ● Category I: Professional or employment-related information.
Examples: Current or past job history or performanceevaluations.
Collected: No. ● Category J: Non-public education information (per the FamilyEducational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part99)).
Examples: Education records directly related to astudent maintained by an educational institution or party acting on its behalf,such as grades, transcripts, class lists, student schedules, studentidentification codes, student financial information, or student disciplinaryrecords.
Collected: No. ● Category K: Inferences drawn from other personal information.
Examples: Profile reflecting a person's preferences,characteristics, psychological trends, predispositions, behavior, attitudes,intelligence, abilities, and aptitudes.
Collected: No. Under CCPA, personal information does notinclude: ● Publicly available informationfrom government records● Deidentified or aggregatedconsumer information● Information excluded from theCCPA's scope, such as:● Health or medical informationcovered by the Health Insurance Portability and Accountability Act of 1996(HIPAA) and the California Confidentiality of Medical Information Act (CMIA) orclinical trial data● Personal Information covered bycertain sector-specific privacy laws, including the Fair Credit Reporting Act(FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial InformationPrivacy Act (FIPA), and the Driver's Privacy Protection Act of 1994Sources of Personal Information We obtain the categories of personalinformation listed above from the following categories of sources: ● Directly from You. For example,from the forms You complete on our Service, preferences You express or providethrough our Service, or from Your purchases on our Service.● Indirectly from You. For example,from observing Your activity on our Service.● Automatically from You. Forexample, through cookies We or our Service Providers set on Your Device as Younavigate through our Service.● From Service Providers. Forexample, third-party vendors to monitor and analyze the use of our Service,third-party vendors for payment processing, or other third-party vendors thatWe use to provide the Service to You.Use of Personal Information forBusiness Purposes or Commercial Purposes We may use or disclose personal information Wecollect for "business purposes" or "commercial purposes"(as defined under the CCPA), which may include the following examples: ● To operate our Service and provideYou with our Service.● To provide You with support and torespond to Your inquiries, including to investigate and address Your concernsand monitor and improve our Service.● To fulfill or meet the reason Youprovided the information. For example, if You share Your contact information toask a question about our Service, We will use that personal information torespond to Your inquiry. If You provide Your personal information to purchase aproduct or service, We will use that information to process Your payment andfacilitate delivery.● To respond to law enforcementrequests and as required by applicable law, court order, or governmentalregulations.● As described to You whencollecting Your personal information or as otherwise set forth in the CCPA.● For internal administrative andauditing purposes.● To detect security incidents andprotect against malicious, deceptive, fraudulent or illegal activity,including, when necessary, to prosecute those responsible for such activities. Please note that the examples provided aboveare illustrative and not intended to be exhaustive. For more details on how weuse this information, please refer to the "Use of Your Personal Data"section. If We decide to collect additional categoriesof personal information or use the personal information We collected formaterially different, unrelated, or incompatible purposes We will update thisPrivacy Policy.Disclosure of PersonalInformation for Business Purposes or Commercial Purposes We may use or disclose and may have used ordisclosed in the last twelve (12) months the following categories of personalinformation for business or commercial purposes: ● Category A: Identifiers● Category B: Personal informationcategories listed in the California Customer Records statute (Cal. Civ. Code §1798.80(e))● Category D: Commercial information● Category F: Internet or othersimilar network activity Please note that the categories listed aboveare those defined in the CCPA. This does not mean that all examples of thatcategory of personal information were in fact disclosed, but reflects our goodfaith belief to the best of our knowledge that some of that information fromthe applicable category may be and may have been disclosed. When We disclose personal information for abusiness purpose or a commercial purpose, We enter a contract that describesthe purpose and requires the recipient to both keep that personal informationconfidential and not use it for any purpose except performing the contract.Sale of Personal Information As defined in the CCPA, "sell" and"sale" mean selling, renting, releasing, disclosing, disseminating,making available, transferring, or otherwise communicating orally, in writing,or by electronic or other means, a consumer's personal information by thebusiness to a third party for valuable consideration. This means that We mayhave received some kind of benefit in return for sharing personal information,but not necessarily a monetary benefit. Please note that the categories listed beloware those defined in the CCPA. This does not mean that all examples of thatcategory of personal information were in fact sold, but reflects our good faithbelief to the best of our knowledge that some of that information from theapplicable category may be and may have been shared for value in return. We may sell and may have sold in the lasttwelve (12) months the following categories of personal information: ● Category A: Identifiers● Category B: Personal informationcategories listed in the California Customer Records statute (Cal. Civ. Code §1798.80(e))● Category D: Commercial information● Category F: Internet or othersimilar network activityShare of Personal Information We may share Your personal informationidentified in the above categories with the following categories of thirdparties: ● Service Providers● Payment processors● Our affiliates● Our business partners● Third party vendors to whom You orYour agents authorize Us to disclose Your personal information in connectionwith products or services We provide to YouSale of Personal Information ofMinors Under 16 Years of Age We do not knowingly collect personal informationfrom minors under the age of 16 through our Service, although certain thirdparty websites that we link to may do so. These third-party websites have theirown terms of use and privacy policies and we encourage parents and legalguardians to monitor their children's Internet usage and instruct theirchildren to never provide information on other websites without theirpermission. We do not sell the personal information ofConsumers We actually know are less than 16 years of age, unless We receiveaffirmative authorization (the "right to opt-in") from either theConsumer who is between 13 and 16 years of age, or the parent or guardian of aConsumer less than 13 years of age. Consumers who opt-in to the sale ofpersonal information may opt-out of future sales at any time. To exercise theright to opt-out, You (or Your authorized representative) may submit a requestto Us by contacting Us. If You have reason to believe that a childunder the age of 13 (or 16) has provided Us with personal information, pleasecontact Us with sufficient detail to enable Us to delete that information.Your Rights under the CCPA The CCPA provides California residents withspecific rights regarding their personal information. If You are a resident ofCalifornia, You have the following rights: ● The right to notice. You have the right to benotified which categories of Personal Data are being collected and the purposesfor which the Personal Data is being used.● The right to request. Under CCPA, You have theright to request that We disclose information to You about Our collection, use,sale, disclosure for business purposes and share of personal information. OnceWe receive and confirm Your request, We will disclose to You:○ The categories of personalinformation We collected about You○ The categories of sources for thepersonal information We collected about You○ Our business or commercial purposefor collecting or selling that personal information○ The categories of third partieswith whom We share that personal information○ The specific pieces of personalinformation We collected about You○ If we sold Your personalinformation or disclosed Your personal information for a business purpose, Wewill disclose to You:■ The categories of personalinformation categories sold■ The categories of personalinformation categories disclosed● The right to say no to the sale of Personal Data (opt-out). You have the right to direct Us to not sell Your personal information.To submit an opt-out request please contact Us.● The right to delete Personal Data. You havethe right to request the deletion of Your Personal Data, subject to certainexceptions. Once We receive and confirm Your request, We will delete (anddirect Our Service Providers to delete) Your personal information from ourrecords, unless an exception applies. We may deny Your deletion request ifretaining the information is necessary for Us or Our Service Providers to:○ Complete the transaction for whichWe collected the personal information, provide a good or service that Yourequested, take actions reasonably anticipated within the context of ourongoing business relationship with You, or otherwise perform our contract withYou.○ Detect security incidents, protectagainst malicious, deceptive, fraudulent, or illegal activity, or prosecutethose responsible for such activities.○ Debug products to identify andrepair errors that impair existing intended functionality.○ Exercise free speech, ensure theright of another consumer to exercise their free speech rights, or exerciseanother right provided for by law.○ Comply with the CaliforniaElectronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).○ Engage in public or peer-reviewedscientific, historical, or statistical research in the public interest thatadheres to all other applicable ethics and privacy laws, when the information'sdeletion may likely render impossible or seriously impair the research'sachievement, if You previously provided informed consent.○ Enable solely internal uses thatare reasonably aligned with consumer expectations based on Your relationshipwith Us.○ Comply with a legal obligation.○ Make other internal and lawfuluses of that information that are compatible with the context in which Youprovided it.● The right not to be discriminated against. Youhave the right not to be discriminated against for exercising any of Yourconsumer's rights, including by:○ Denying goods or services to You○ Charging different prices or ratesfor goods or services, including the use of discounts or other benefits orimposing penalties○ Providing a different level orquality of goods or services to You○ Suggesting that You will receive adifferent price or rate for goods or services or a different level or qualityof goods or servicesExercising Your CCPA DataProtection Rights In order to exercise any of Your rights underthe CCPA, and if You are a California resident, You can contact Us: ● By visiting this page on ourwebsite: www.seibelinsurance.com● By sending us an email: info@seibelinsurance.com Only You, or a person registered with theCalifornia Secretary of State that You authorize to act on Your behalf, maymake a verifiable request related to Your personal information. Your request to Us must: ● Provide sufficient informationthat allows Us to reasonably verify You are the person about whom We collectedpersonal information or an authorized representative● Describe Your request withsufficient detail that allows Us to properly understand, evaluate, and respondto it We cannot respond to Your request or provideYou with the required information if we cannot: ● Verify Your identity or authorityto make the request● And confirm that the personalinformation relates to You● We will disclose and deliver therequired information free of charge within 45 days of receiving Your verifiablerequest. The time period to provide the required information may be extendedonce by an additional 45 days when reasonably necessary and with prior notice. Any disclosures We provide will only cover the12-month period preceding the verifiable request's receipt. For data portability requests, We will selecta format to provide Your personal information that is readily usable and shouldallow You to transmit the information from one entity to another entity withouthindrance. Do Not Sell My PersonalInformation You have the right to opt-out of the sale ofYour personal information. Once We receive and confirm a verifiable consumerrequest from You, we will stop selling Your personal information. To exerciseYour right to opt-out, please contact Us. The Service Providers we partner with (forexample, our analytics or advertising partners) may use technology on theService that sells personal information as defined by the CCPA law. If you wishto opt out of the use of Your personal information for interest-basedadvertising purposes and these potential sales as defined under CCPA law, youmay do so by following the instructions below. Please note that any opt out is specific tothe browser You use. You may need to opt out on every browser that You use.Website You can opt out of receiving ads that arepersonalized as served by our Service Providers by following our instructionspresented on the Service: ● The NAI's opt-out platform: http://www.networkadvertising.org/choices/● The EDAA's opt-out platform http://www.youronlinechoices.com/● The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN The opt out will place a cookie on Yourcomputer that is unique to the browser You use to opt out. If you changebrowsers or delete the cookies saved by your browser, You will need to opt outagain.Mobile Devices Your mobile device may give You the ability toopt out of the use of information about the apps You use in order to serve Youads that are targeted to Your interests: ● "Opt out of Interest-BasedAds" or "Opt out of Ads Personalization" on Android devices● "Limit Ad Tracking" oniOS devices You can also stop the collection of locationinformation from Your mobile device by changing the preferences on Your mobiledevice."Do Not Track" Policyas Required by California Online Privacy Protection Act (CalOPPA) Our Service does not respond to Do Not Tracksignals. However, some third party websites do keeptrack of Your browsing activities. If You are visiting such websites, You canset Your preferences in Your web browser to inform websites that You do not wantto be tracked. You can enable or disable DNT by visiting the preferences orsettings page of Your web browser.Children's Privacy Our Service does not address anyone under theage of 13. We do not knowingly collect personally identifiable information fromanyone under the age of 13. If You are a parent or guardian and You are awarethat Your child has provided Us with Personal Data, please contact Us. If Webecome aware that We have collected Personal Data from anyone under the age of13 without verification of parental consent, We take steps to remove thatinformation from Our servers. If We need to rely on consent as a legal basisfor processing Your information and Your country requires consent from aparent, We may require Your parent's consent before We collect and use thatinformation.Your California Privacy Rights(California's Shine the Light law) Under California Civil Code Section 1798(California's Shine the Light law), California residents with an establishedbusiness relationship with us can request information once a year about sharingtheir Personal Data with third parties for the third parties' direct marketingpurposes. If you'd like to request more informationunder the California Shine the Light law, and if You are a California resident,You can contact Us using the contact information provided below.California Privacy Rights forMinor Users (California Business and Professions Code Section 22581) California Business and Professions CodeSection 22581 allows California residents under the age of 18 who areregistered users of online sites, services or applications to request andobtain removal of content or information they have publicly posted. To request removal of such data, and if Youare a California resident, You can contact Us using the contact informationprovided below, and include the email address associated with Your account. Be aware that Your request does not guaranteecomplete or comprehensive removal of content or information posted online andthat the law may not permit or require removal in certain circumstances.Links to Other Websites Our Service may contain links to otherwebsites that are not operated by Us. If You click on a third party link, Youwill be directed to that third party's site. We strongly advise You to reviewthe Privacy Policy of every site You visit. We have no control over and assume noresponsibility for the content, privacy policies or practices of any thirdparty sites or services.Changes to this Privacy Policy We may update Our Privacy Policy from time totime. We will notify You of any changes by posting the new Privacy Policy onthis page. We will let You know via email and/or aprominent notice on Our Service, prior to the change becoming effective andupdate the "Last updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policyperiodically for any changes. Changes to this Privacy Policy are effective whenthey are posted on this page.Contact Us If you have any questions about this PrivacyPolicy, You can contact us: ● By visiting this page on ourwebsite: www.seibelinsurance.com● By sending us an email:info@seibelinsurance.com