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Phone: (888) 969-4367 - Privacy PolicyTermsCalifornia Privacy ActTexas Broker Disclosure
Last Updated: January 03, 2022
At SmarterChoice, it is important to us that you understand how we use and share your personal information. This California Consumer Privacy Act disclosure outlines our use and disclosure of personal information. This notice identifies the categories of personal information we collect, describes how we use and share personal information, and explains how California residents can make certain requests regarding their personal information. SmarterChoice does not sell your personal information to third parties for the third parties’ direct marketing purposes, so there is no need for you to “opt-out” of it.
Note that while a category may be listed below that does not necessarily mean that we have collected personal information in that category about you.
Category: | To Whom We May Disclose This Type of Information for Business Purposes: |
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Identifiers – This may include real name, alias, postal address, phone number, unique personal identifier, online identifier, internet protocol (IP) address, device ID, email address, account name, signature, social security number, driver’s license number, passport number or other similar identifiers. |
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Financial information – This may include credit or debit card number, bank account number, or other financial information. |
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Characteristics of protected classifications – This may include age, sex, race, ethnicity, physical or mental handicap, etc. |
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Commercial information – This may include information about products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
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Network activity data - Internet or other electronic network activity information such as, browsing history, search history, and information regarding an individual’s interaction with an internet website, application, or advertisement |
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Electronic and sensory data – This may include audio, electronic, visual, thermal, olfactory, or similar information (e.g., pictures, a recording of a customer service call, security video surveillance footage, video recording of website sessions). |
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Professional or employment-related information. |
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Inferences – drawn from any of the information listed above to create a profile |
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Any personal information that SmarterChoice holds will be shared with applicable government entities, law enforcement, lawyers, auditors, consultants and other parties as required by law.
Under the California Consumer Privacy Act, California residents have specific rights regarding their personal information. This section describes Californians’ rights and explains how California residents can exercise those rights.
California residents have the following specific rights under the California Consumer Privacy Act.
To exercise your right to access, data portability, and deletion described above, please submit a verifiable consumer request to us by:
Upon receiving your request, we will send you an email receipt confirming your request.
Before responding to your request, we may need to obtain additional information to locate you in our records, verify that you are a California resident, and/or verify your identity depending on the nature of the request. If you are submitting a request on behalf of a household, we may need to verify each of those included as well.
Authorized agents may exercise rights on your behalf, but at a minimum, we will require evidence of the agent’s identity, proof of registration with the California Secretary of State, and at least one of the following evidencing proof of their legal authority to act: a written authorization signed by you; or a Certified copy of a Power of Attorney granted under Probate Code.
We will respond to requests within 45 calendar days, unless we need more time (in which case we will notify you), and may take up to 90 calendar days in total to respond to your request(s).
In some cases, our ability to uphold these rights for you may depend upon our obligations to process Personal Information for security, safety, fraud prevention reasons, compliance with regulatory or legal requirements, listed below, or because processing is necessary to deliver the services you have requested. Where this is the case, we will inform you of specific details in response to your request. We may deny your deletion request if retaining the information is necessary for us or our service providers to: