State Consumer Privacy Notice

This State Consumer Privacy Notice applies to residents of certain states (including California) and sets forth their rights under their respective state’s comprehensive privacy laws.

This State Consumer Privacy Notice supplements our Online Services Privacy Policy (OSPP). Our OSPP provides you with additional information under the “How We Use Your Information,” “What Information We Collect About You,” and “How We Share Your Information” sections. It explains what personal information we collect about you, where and from whom we obtain it, why we collect it, and your respective state rights regarding it.

Our processing of your personal information

Depending on the online service with which you interact, we may have collected the following personal information and have disclosed/shared it as described in the chart below:

Category of Personal Information	Collected	Categories of Third Parties to Whom We Disclose Personal Information for Business Purposes	Categories of Third Parties to Whom We May “Sell” or “Share” Personal Information
Identifiers, such as your name, postal address, email address, government-issued identifiers, IP address, or similar identifiers.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	Advertising and Analytics Vendors
Protected classification, such as your age, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), marital status, racial or ethnic origin, or other classifications protected under applicable federal or state law.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Sensitive personal information (“Sensitive Personal Data”), such as Government-issued identification number, financial account information and account login credentials, precise geolocation information, contents of an email or text messages, genetic data, racial or ethnic origin, religious beliefs, biometrics data, health data, mental or physical health condition or diagnosis, data concerning sex life or sexual orientation, status as transgender or nonbinary, status as a victim of a crime, data used for the purpose of inferring characteristics about a consumer, citizenship or immigration status, personal data collected from a child, and as defined under applicable law.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Commercial information, such as records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Biometric personal information (“Biometric Personal Data”), such as your fingerprints, faceprints, voiceprints, iris or retina scans, genetic information, or other biological or physical patterns that are used to identify an individual.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Internet or other electronic network activity, such as your browser type and operating systems, browsing history, clickstream data, search history, and information regarding your interaction with a website, application, or advertisement.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Geolocation data, such as your physical location or movements.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Sensory data, such as audio, video, electronic, photographs, or similar information that are used to identify an individual.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Professional or employment-related information, such as your current or past job history, performance, or role or position or title.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None
Education information, such as where you attended school, your academic performance and related information.	No	None	None
Inferences, such as inferences drawn to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.	Yes	Contracted Service Providers, Employers, Health Care Providers, Vendors, Insurance Carriers, Specifically Authorized Representatives	None

Retention

We will retain your information for the period necessary to fulfill the purposes outlined in our Privacy Policy, consistent with our internal record-retention policies, and in accordance with applicable law. When assessing retention periods, we first examine whether it is necessary to retain information, and if retention is required, work to the retain the information for the shortest period permissible under applicable law.

Personal Information does not include:

De-identified or aggregated consumer information
Publicly available information from government records
Personal information covered by certain state laws and federal laws including: Health Insurance Portability and Accountability Act of 1996 (HIPAA), Fair Credit Reporting Act (FCRA), and the Gramm-Leach-Bliley Act (GLBA)

Categories of Sources of Personal Information

We may obtain the categories of personal information listed above from:

You or your authorized agent,
Service providers,
Affiliates,
Publicly available information,
Organizations with which you are employed or affiliated, or
Activity on our apps and websites.

Collection from these sources may occur online, in person, via paper or other electronic means, and may occur automatically where state law permits such profiling absent an explicit request to opt-out.

Why We Collect Personal Information

We collect your personal information for one or more of the following business purposes:

To respond to an email or particular request from you
To communicate with you
To personalize services for you
To process an application as requested by you
To administer surveys and promotions
To provide you with information that we believe may be useful to you, such as information about products or services provided by us or other businesses
To perform analytics and to improve our products, websites, and advertising
To comply with applicable laws, regulations, and legal processes
To protect someone's health, safety, or welfare
To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action
To keep a record of our transactions and communications
To detect and protect against security incidents
To debug to identify and repair errors
As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law.

Sharing or Selling Your Personal Information

At times, we may “share” or “sell” your personal information (as defined under applicable law) with third parties to display advertisements to you based on your activities, preferences, or interests. You may opt-out of this activity on your device by using our cookie management tool on our website and by submitting a request via the Do Not Share or Sell My Personal Information link on the website. You may also opt-out of our “sharing” or “selling” of your personal information through privacy preference signals recognized under applicable local law, such as the Global Privacy Control (GPC), but please note that this signal will be linked to your browser only.

We do not knowingly “share” or “sell” the personal information of children under the age of 16.

Sensitive Personal Data

We only process Sensitive Personal Data to render services or offer products to you.

Your Rights

Depending on the jurisdiction in which you live, you may have the following rights under applicable law:

Right to request access and a copy of your personal information and information relating to how it is processed;
Right to request deletion of your personal information;
Right to request the correction or update of the personal information we hold about you;
Right to opt-out of “sales” of your personal information and “sharing” of your personal information for cross-context behavioral advertising purposes (as these terms are defined under applicable law)
Right to opt-out of targeted advertising;
Right to limit our use of your Sensitive Personal Data;
Right to opt-out of certain profiling activities;
Right to not be unlawfully discriminated against for exercising your rights;
Right to portability of your personal information;

These rights may be limited or denied in some circumstances. For example, we may retain your personal information where required or permitted under applicable law.

How to Exercise Your Rights

You or your authorized agent may exercise your rights under applicable law by:
- Calling us at 1-888-839-7948; or
- Submitting a webform
You may opt-out of the sharing of your personal information collected on your device by using our cookie management tool on our website and by submitting a request via the Do Not Share or Sell My Personal Information link on the website.
You or your authorized agent may be required to submit proof of your identity for these requests to be processed.
We will not be able to comply with your request if we are unable to confirm your identity.
You may designate an authorized agent to make a request on your behalf subject to proof of identity and authorization.

Appeals

Applicable law may require or permit us to decline your request. If the business declines your request, we will tell you why and you may appeal this decision.

You may appeal by:
- Calling us at 1-888-839-7948; or
- Submitting a webform
If you remain concerned about the result of that appeal, you may contact the attorney general in your state of residency. Visit your State’s Attorney General website to learn more.

Changes

We will review this notice annually and update it from time to time. Any changes will be posted on this page and will become effective as of the “Last Revised” date. We encourage you to review this notice periodically to be sure you are aware of those changes.

Last Revised: June 18, 2024