California notice at collection

Pursuant to the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), we are required to inform California residents at or before the point of data collection about the categories of personal information we collect, the purposes for which we use it, whether it is sold or shared, and how long we retain it.

We collect the following categories of personal information:

Identifiers (e.g., name, email address, phone number, IP address)

• Used for account management, communication, identity verification, and fraud prevention.
• Not sold or shared

Commercial Information (e.g., purchase or claim history)

• Used for fulfilling orders, underwriting, and recordkeeping.
• Not sold or shared

Internet or Network Activity (e.g., browsing history, device data, cookies)

• Used for analytics, marketing, and website performance monitoring.
• Not sold or shared

Geolocation Data (via IP address)

• Used for fraud prevention and website security.
• Not sold or shared

Inferences (e.g., preferences derived from interactions)

• Used for improving user experience and personalizing services.
• Not sold or shared

Sensitive Personal Information (if collected)

• Used only for essential business purposes such as fraud prevention or legal compliance.
• Not sold or shared

We do not use or disclose Sensitive Personal Information for purposes other than those explicitly permitted under California law. We do not sell or share personal information for monetary compensation or for cross-context behavioral advertising.