Privacy Policy

Last Updated: 12/28/2019

California Assistance (“Company” “we” or “our”) is committed to advising you of the right to your privacy and strives to provide a safe and secure user experience. This California Assistance Privacy Policy (“Privacy Policy”) explains how we collect, store and use Personal Information (as defined below) provided by you on our website located at california-assistance.org (the “Website”). It also explains how we collect and use non-Personal Information. By accessing and using our Website, you explicitly accept, without limitation or qualification, the collection, use and transfer of your Personal Information and non-Personal Information in the manner described in this Privacy Policy. Please read this Privacy Policy carefully, as it affects your rights and liabilities under applicable law. If you disagree with the way we collect and process personal and non-Personal Information, you are not permitted to use the Website in any manner.  Please note, if you are a resident of a European Union Member State, you are not permitted to use the Website and/or the other Company offerings featured by and through the Website.

Users with disabilities who wish to access this Privacy Policy in an alternative format can contact us by calling us at: (888)-983-4033; emailing us at: info@california-assistance.org.

Your California Privacy Rights

If you are a resident of the State of California certain additional privacy-related rights may apply to you, including the right to opt-out of our sale of your Personal Information, as well as the right to know what Personal Information about you we have collected, whether your Personal Information was shared with third-parties in the preceding year and, if so, what categories of Personal Information were shared, as well as the categories of third parties with whom we shared that information.  Please see our Provisions for California Residents below for a more complete description of your rights as a California State resident.

Privacy Policy Quick Links

Below are links to key sections of our Privacy Policy:

  1. Your Nevada Privacy Rights
  2. Information We Collect
  3. No Information Collected from Minors
  4. Behavioral Marketing, Cookies, Web Beacons and JavaScript
  5. How We Use Information Collected
  6. We Share Your Information
  7. Third-Party Collection and Use of Information
  8. Information Security and Retention
  9. Changes to this Privacy Policy
  10. Opt-Out/Unsubscribe
  11. Deleting, Modifying and Updating Your Information
  12. Contact Us

1. Your Nevada Privacy Rights

If you are a resident of the State of Nevada and would like to opt-out from the sale of your Personal Information to any third party data broker, please e-mail us at:info@california-assistance.org; call us at: (888)-983-4033.

2. Information We Collect

[Please see our Provisions for California Residents below for additional details regarding the categories of Personal Information collected. We collect the following types of information about you when you visit and use our Website:

“Personal information” is information that can be used to identify you or any other individual to whom the information may relate. This is information which you are prompted to provide to us. Such information may include your name, address, telephone number(s) and email address, or other unique information about you which you provide to us during the registration process, or through the course of communicating with us about the products and services provided on our Website.

“Demographic information” is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but is not limited to, zip code, mobile phone carrier, age, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests.

“Behavioral information” is information which is automatically collected pertaining to how you use our Website, the areas of our Website that you visit, what services you access, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other websites you have visited.

“Third party collected information” is information about you that we acquire from a third party which may include personal, demographic, behavioral and indirect information. This collection may include, but not limited to, first party cookies, third party cookies, anonymous cookies, persistent identifiers, email opt in, and search engine keywords. We have no access or control over these cookies and other tracking devices used by data aggregators, third party advertisers and third party networks. We have no responsibility or liability for the policies and practices of these parties.

“Web technology information” is information we automatically collect from you when you visit our Website. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is collected through the use of cookies, Web beacons or JavaScript. This also includes information which is contained within the autofill functionality of your browser. This information may include Personal and Non-Personal Information.

3. No Information Collected from Minors

We will never knowingly collect any Personal Information from individuals under eighteen (18) years of age. If we obtain actual knowledge that we have collected Personal Information about an individual under eighteen (18) years of age, that information will be immediately deleted from our database. Because we do not collect such information, we have no such information to use or to disclose to third parties.

4. Behavioral Marketing, Cookies, Web Beacons and JavaScript

Generally, we, as well as third party vendors and supporting advertisers, use technologies such as cookies, web beacons and java scripts to collect information automatically from Website visitors. These technologies collect internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our Website, track user’s movements through our Website and gather demographic information about our user base as a whole. We may receive reports based on these technologies on an individual or aggregated basis

“Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our Website including the placement of identifiers. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit our Website again, cookies allow us to remember your settings and may be used for authentication purposes. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our Website, and deliver specific content to you based on your past viewing history. You can disable cookies, although our Website may not function properly for you in all respects. In order to use all of the features and functionality of our Website, you need to accept cookies.  Your browser preferences can be modified to accept or reject all cookies, or request a notification when a cookie is set. You may read more about cookies at http://cookiecentral.com.

Behavioral Tracking/Third Party Cookies. We allow third party vendors and advertisers to set their own cookies on and through our Website. We have no control over the practices of those third parties and are not responsible for their technology or tracking. We encourage you to review the policies of such persons or entities on their websites. We use AdWords Remarketing through Google which is a Remarketing and Behavioral Targeting service provided by Google Inc. that connects the activity on our Website with the AdWords advertising network and the DoubleClick cookie in order to serve you with relevant advertising material when you leave our Website. That Cookie collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en. We also participate in all of Google Analytics Advertising . This includes (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) DoubleClick Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see https://tools.google.com/dlpage/gaoptout/. We also use Google Analytics which is an analysis service also provided by Google Inc. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-available at https://tools.google.com/dlpage/gaoptout/.

Web Beacons. We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email messages. Because Web beacons are the same as any other content request, you cannot opt-out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.

JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of websites, particularly with respect to pictures. We use it to analyze and improve our Website’s functions. You may deactivate JavaScript through your browser settings or activate it the same way. If you disable JavaScript, you will not be able to use some of the functions of our Website.

Proprietary Auto-Fill Tracking. At times, we use third-party vendors who have technology that collects information held in your browser’s auto-fill functionality This collection allows them to notify you of an error in the registration or a failure to submit the registration. You can stop this functionality by turning it off in your browser. There is no loss of use of our Website or services should this browser function be turned off.

5. How We Use Information Collected

[Please see our Provisions for California Residents below for additional details regarding our uses of Personal Information]

Providing Services and Products. We use the information we gather on our Website to provide you with the services and/or products you have requested from us and/or third parties. After you visit one of our client’s websites, we use the information we have collected during your visit to our Website to send you an email to complete your registration or provide you with additional offers that may be of interest to you. This may include passing your information on to a third party to provide the products and/or services that you expressed an interest in. Although our contractual arrangement limits how this party can use your information, we do not control the privacy practices of third parties. If you have any questions or wish to remove your information from these third-party databases, you will need to contact that party directly.

Improving Our Website. We use the information we gather to respond to any inquires you make, operate and improve the functionality of our Website, and deliver the products and services advertised on our Website. Our services include the display of personalized products, content, and advertising, relating to your experience and interests.

Targeted Advertising. We may customize and target advertising to an individual. In our discretion, we may combine information to target advertising to an individual on our Website, in email and/or through direct mail. Such advertising may be different than the products or services offered or promoted on our Website.

Commercial Email. We may use your email address to promote our goods and services, as well as those of third parties, that we think may be of interest to you and these may be different than the products or services offered or promoted on our Website.

Direct Mail. We may use Personal Information to advertise our goods and services, as well as those of third parties, to individuals using postal mail.

Telemarketing. By submitting your Personal Information by and through the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the “Rule”) and applicable state do-not-call regulations.  As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

Where you provide “prior express consent” within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time (“TCPA”), you consent to receive, from us, telephone calls, including artificial voice calls, pre-recorded messages and/or calls (including text alerts via SMS text messages delivered via automated technology, to the telephone number(s) that you provided.  Please note that you are not required to provide this consent in order to obtain access to our offerings, and your consent simply allows us to contact you via these means. Please be advised that by agreeing to this Privacy Policy, you are obligated to immediately inform us if and when the telephone number that you have previously provided to us changes.  Without limiting the foregoing, if you: (a) have your telephone number reassigned to another person or entity; (b) give up your telephone number so that it is no longer used by you; (c) port your telephone number to a landline or vice versa; or (d) otherwise stop using that telephone number for any reason (collectively “Phone Number Change”), you agree that you shall promptly notify us of the Phone Number Change via e-mail at:info@california-assistance.org, or by using one of the methods set forth in the “Contact Us” section below.

6. We Share Your Information

[Please see our Provisions for California Residents below for additional details regarding our sharing of Personal Information]

We will share your Personal Information with third parties in the following ways:

Product and Service Delivery. We share your Personal Information with third parties who help us in the delivery of the products and services that you have requested or expressed an interest in.

Website Functionality. We share your Personal and Non-Personal Information with companies and individuals we employ to perform technical and administrative functions on our behalf. Examples include third parties who host our Website, analyze our data, provide marketing assistance, process credit card payments and provide customer service.

Third-Party Marketers. We share your Personal and Non-Personal Information with third parties for marketing purposes. These third parties promote their products and/or services via various marketing methods, including e-mail marketing. The information that we share with these third parties includes your Personal and non-Personal Information, as well as your interests and preferences, so that these third parties may better determine whether you might be interested in specific products or services.

Anonymous information. We share aggregated anonymous information about you, combined with anonymous information about other persons using our Website, with third parties, so that they can understand the kinds of visitors that come to our Website, and how those visitors use our Website. This includes demographic information and behavioral information.

Legal Process. We disclose and share your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, including if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or those of our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of our users or the public at large.

Acquisition or Merger. We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of a bankruptcy or other insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.

7. Third-Party Collection and Use of Information

[Please see our Provisions for California Residents below for additional details regarding third-party collection of Personal Information]

Third parties collect and use information about you on or through our Website in the following ways:

Service Providers and Advertisers. As described above, those service providers that provide the products and/or services that you have requested/expressed an interest in, as well as advertising agencies, advertising networks and other companies who place ads on our Website, may use their own cookies, Web beacons, and other technology, to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.

Hyperlinks. Our Website and email messages sometimes contain hypertext links to Websites owned by third parties. We are not responsible for the privacy practices or the content of such other Websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third-party Websites. The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization.

Analytics. As described above, we use third parties to monitor analyze and report on the traffic to, from and within our Website and email messages.

Disclaimer. We do not control the collection and use of any information collected by third parties. Please review their policies and terms before providing any information.

8. Information Security and Retention

We use industry-standard precautions to safeguard your personal information from loss, theft, and misuse, including unauthorized access, disclosure, alteration, and destruction. These precautions are technical, physical and managerial. We have security measures in place to protect against the loss, misuse, and alteration of Personal Information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry-standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. SSL encrypts information including credit card number(s), and names and addresses, as they are transmitted over the Internet. Where our registration/application process prompts users to enter sensitive information (such as medical information, driver’s license/ID card number, health insurance information, data collected from an automated license plate recognition system, Social Security Number and credit card information), and when we store and transmit such sensitive information, that information is encrypted with advanced TLS (Transport Layer Security). Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure from improper actions of third parties not under our control; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of information through our Website or through email communications is at your own risk. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your Personal Information.  You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

We retain Personal Information for the time necessary to fulfill the purpose for which you provided the information and retain it thereafter for a period permitted by law. We retain Non-Personal Information indefinitely as the same is used by us for any proper purpose including, but not limited to, analysis, development, and improvement of our Website, services, and products.

9. Changes to this Privacy Policy

We reserve the right to change or update this Privacy Policy at any time by posting a notice on the Website that we are changing our Privacy Policy.  If the manner in which we use Personal Information changes, we will notify users by: (a) sending the modified policy to our users via e-mail; and/or (b) by any other reasonable means acceptable under applicable state and federal law.  You will have a choice as to whether or not we use your information in this different manner and we will only use your information in this different manner where you opt-in to such use.

10. Opt-Out/Unsubscribe

[Please see our Provisions for California Residents below for instructions on how California Residents can opt-out of the sale of their Personal Information to third parties]To opt-out of receiving e-mail and other forms of communication from us, you can: (a) follow the instructions included in the applicable e-mail message or other communication; (b) follow the instructions on our unsubscribe page; or (c) e-mail us at:info@california-assistance.org.

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for our offerings, as well as to respond to any inquiry or request made by you.  To opt-out of receiving messages from us relating to your request for our offerings and/or inquiries, you must cease requesting and/or utilizing our offerings and/or cease submitting inquiries to us, as applicable.

11. Deleting, Modifying and Updating Your Information

[Please see our Provisions for California Residents below for instructions on how California Residents can access and/or delete Personal Information that we have collected]  At your request, we will: (a) inform you of what Personal Information we have on file for you; (b) amend the Personal Information that we have on file for you; and/or (c) remove Personal Information that you have provided to us, or that we have otherwise collected.  You may do so by emailing us at:info@california-assistance.org. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).

Please be advised that deleting your Personal Information may terminate your access to certain of our offerings.  If you wish to continue using the full complement of our offerings, you may not be able to delete all of the Personal Information that we have on file for you.

Please be further advised that, after you delete your Personal Information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.

Transfer of Personal Information Internationally

If you are visiting the Website from a country other than the country in which our servers are located, your communications with us may result in the transfer of information across international boundaries. By visiting the Website and/or otherwise communicating electronically with us, you consent to such transfers.  Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.

GDPR and CASL Compliance.

Unfortunately, we are not in a position to accept clients who are not U.S. Citizens. Canada’s Anti-Spam Legislation (“CASL”) and the EU General Data Protection Regulation (“GDPR”) regulations, in particular, provide certain rights to their respective citizens which are not the same as those granted to citizens of the United States. For this reason, we do not accept referrals from any citizens outside of the United States. Our services are specifically designed for United States citizens. We have expunged all European Union Member State resident data and Canadian Citizen data from our database to the extent we have been made aware of same. If you are a resident of a European Union Member, a Canadian citizen or a citizen of any country outside of the United States, please notify us at info@california-assistance.org and we will remove and destroy your Personal Information.

12. CONTACT US

If you have any questions regarding this Privacy Policy, please contact us at: info@california-assistance.org

Privacy Provisions for California Residents

These Privacy Provisions for California Residents (“Privacy Provisions”) supplement the information contained in the California Assistance Privacy Policy (the “Privacy Policy”).  The Site is owned and operated by t.stateassistance.org (“Company,” “we,” “us” or “our”).  These Privacy Provisions apply solely to residents of the State of California (“CA Users”).  We adopt these Privacy Provisions 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 these Privacy Provisions.  CA Users with disabilities who wish to access these Privacy Provisions in an alternative format can contact us by calling us at: (888)-983-4033 emailing us at:info@california-assistance.org.

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 CA User or device (“personal information”). In particular, we have collected the following categories of personal information from CA Users within the last twelve (12) months:

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 CA 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.
  • De-identified or aggregated CA User information.
  • Information excluded from the CCPA’s scope, such as:
    • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; and
    • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information listed above (as indicated in parenthesis) from the following categories of sources:

  • Directly from our CA Users. For example, from online registration forms that our CA Users submit to us related to the products and/or services that we (and our third-party service providers) offer by and through the Website. (Category A, B, C and I)
  • Indirectly from our CA Users. For example, through information we collect from our CA Users in the course of providing our products and/or services to them. (Category A, B, C, F and I)
  • Directly and indirectly from activity on the Website. This includes the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet Service Provider.  In addition, we obtain certain Website usage details and analytics as same are collected automatically by us and our third-party partners. (Category F)
  • From third-parties that interact with us in connection with the products and/or services that we offer to our CA Users. For example, third party entities that assist us in sending direct and electronic mail, removing duplicate information from CA User lists, analyzing data and providing marketing analysis. (Category A and B)
  • From third-party data brokers or aggregators. (Finance, Housing Services, Health, Employment Services, Auto, Travel, Contests, Politics and others)
  • From publicly available sources, such as Internet search engines. (Finance, Housing Services, Health, Employment Services, Auto, Travel, Contests, Politics and others)

Use of Personal Information

We may use or disclose the personal information that we collect (including; Name, last name, address, zip code, phone number, email, gender, health conditions, debt, financial information, vehicle information, private insurance, housing information, declared personal interests, political affiliation, behavioral information and others) for one or more of the following business purposes:

  • To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in connection with your request for information regarding your eligibility for California assistance, as well as information regarding the other products and/or services featured on the Website, we will use that personal information to better provide you with the requested information. (Category A, B, C, F and I)
  • To provide you with information, products or services that you request from us. (Category A, B, C, F and I)
  • To create, maintain, customize and secure your account with us. (Category A, B, C, F and I)
  • To provide you with e-mail, direct mail and telemarketing messages concerning certain Company products and/or services, as well as third-party products and/or services, that we believe may be of interest to you. (Category A, B, C, F and I)
  • To deliver relevant Website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you. (Category A, B, C, F and I)
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including the Website’s Terms and Conditions. (Category A, B, C, F and I)
  • To improve the Website and better present its contents to you. (Category A, B, C, F and I)
  • For customer service purposes and to respond to inquiries from you. (Category A and BI)
  • For testing, research, analysis and product development. (Category A, B, C, F and I)
  • As necessary or appropriate to protect our rights, property or safety, and that of our clients or others. (Category A, B, C, F and I)
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. (Category A, B, C, F and I)
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA. (Category A, B, C, F and I)
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us is among the assets transferred. (Category A, B, C, F and I)

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated or incompatible purposes without providing you with notice.

Sharing Personal Information

Subject to your right to opt-out of such sharing/sale, we may share, rent and/or sell your personal information (including; Name, last name, address, zip code, phone number, email, gender, health conditions, debt, financial information, vehicle information, private insurance, housing information, declared personal interests, political affiliation, behavioral information and others) with/to third parties for marketing purposes, as well as other business purposes, including sharing your personal information:

  •   With our advertisers, marketing partners and service providers for marketing purposes; (Category A, B, C, F and I)
  •   With our telemarketing partners where we have obtained your “prior express consent” (as defined in the TCPA) to be contacted by one or more of our advertisers; (Category A, B, C, F and I)
  •   With our vendors and marketing partners that assist us with delivery of email messaging, telemarketing calls, text/SMS messaging and push notifications, both commercial and transactional in nature; (Category A, B, C, F and I)
  •   To enable third parties, including our data and list management partners, to market products and services to you; (Category A, B, C, F and I)
  •   To enable customer service vendors to perform their respective tasks; (Category A, B, C, F and I) and
  •   To enable our Information verification and fraud detection vendors to perform contracted for services. (Category A, B, C, F and I)

When we disclose personal information to a third party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third party may use the personal information and requires that third party to both keep the personal information confidential and not use it for any purpose other than the performance of its services under the applicable contract.  Please note, we do not collect information from CA Users that we actually know are less than eighteen (18) years of age and we do not share or sell the personal information of CA Users that we actually know are less than eighteen (18) years of age. Without limiting the foregoing, we have not shared or sold the personal information of CA Users that we actually know are less than sixteen (16) years of age in the preceding twelve (12) months.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A:  Identifiers.

Category B:  California Customer Records personal information categories.

Category C:  Protected classification characteristics under California or federal law.

Category F:  Internet or other similar network activities.

Category I:   Professional or employment-related information.

Category J:   Non-public education information (per the Family Educational Rights and Privacy Act (20                               U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Category K:  Inferences drawn from other personal information.

We disclose your personal information (including; Name, last name, address, zip code, phone number, email, gender, health conditions, debt, financial information, vehicle information, private insurance, housing information, declared personal interests, political affiliation, behavioral information and others) for a business purpose to the following categories of third parties:

  • Our affiliates. (Category A, B, C, F and I)
  • Service providers. (Category A, B, C, F and I)
  • Third parties who provide the products and/or services featured on the Website. (Category A, B, C, F and I)
  • Third parties who purchase and/or license your personal information for marketing purposes, including: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers.  If a third party purchaser of your personal information wants to resell it, that purchaser is required by law to provide you with explicit notice and an opportunity to opt-out of further sales. (Category A, B, C, F and I)
  • Third parties to whom you authorize us to disclose your personal information in connection with the products and/or services that we provide to you. (Category A, B, C, F and I)

In the preceding twelve (12) months, we have sold the following categories of personal information to third parties:

Category A:  Identifiers.

Category B:  California Customer Records personal information categories.

Category C:  Protected classification characteristics under California or federal law.

Category F:  Internet or other similar network activities.

Category I:   Professional or employment-related information.

Category J:   Non-public education information (per the Family Educational Rights and Privacy Act (20                               U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Category K:  Inferences drawn from other personal information.

In the preceding twelve (12) months, we have sold the above-referenced categories of personal information (including; Name, last name, address, zip code, phone number, email, gender, health conditions, debt, financial information, vehicle information, private insurance, housing information, declared personal interests, political affiliation, behavioral information and others) to the third parties who purchase and/or license your personal information for marketing purposes, as well as the third parties who provide the products and/or services featured on the Website.

In the preceding twelve (12) months, we have:

(a)   Received 0 requests for access to specific information and to exercise data portability rights.  We have complied with 0 of those requests (in whole or in part) and denied 0 requests. The median number of days within which we substantively responded to such requests was 0.

(b)   Received 0 requests to delete personal information.  We have complied with 0 of those requests (in whole or in part) and denied 0 requests.  The median number of days within which we substantively responded to such requests was 0; and

(c)   Received 0 requests to opt-out from the sale of personal information.  We have complied with 0 of those requests (in whole or in part) and denied 0 requests.  The median number of days within which we substantively responded to such requests was 0.

Your Rights and Choices

The CCPA provides CA 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 our sale of your personal information to third parties.  To exercise your right to opt-out of our sale of your personal information to third parties, please submit a verifiable CA User request to us by either:

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 to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable CA User request, we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • 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).
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
    • sales, identifying the personal information categories that each category of recipient purchased; and
    • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

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 CA 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:

  1. 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.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech rights, ensure the right of another CA User to exercise their free speech rights or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  6. 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.
  7. Enable solely internal uses that are reasonably aligned with CA User expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability and Deletion Rights

To exercise your access, data portability and/or deletion rights described above, please submit a verifiable CA User request to us by either:

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable CA User request related to your personal information.

You may only make a verifiable CA User request for access or data portability twice within a 12-month period. The verifiable CA User request must:

  • Provide sufficient information that allows us to reasonably verify that you are the person about whom we collected personal information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.  Making a verifiable CA User request does not require you to create an account with us. We will only use personal information provided in a verifiable CA User request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to all verifiable CA 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 CA 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 these Privacy Provisions

We reserve the right to amend these Privacy Provisions in our discretion and at any time. When we make changes to these Privacy Provisions, we will notify you by email or through a notice on the Website’s homepage.

Contact Information

If you have any questions or comments about these Privacy Provisions, our Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us by either:


What Kind of Employment Development Services Are Available in California?

If you are currently unemployed and need help finding a job, the state of California offers unemployment benefits to eligible applicants, in order to help them get by while pursuing work. In addition to financial assistance, the Employment Development Division of California also offers training benefits, which allow unemployed individuals to learn new skills and get a higher education so that they can earn a better living. Find out more about these employment services by downloading our guide.


What Education Assistance Is Available in California?

Just as unemployed individuals can benefit from services offered by the state, so too can college students. California students can qualify for financial aid from the government, such as loans and grants, which can help them cover the costs of higher education. Find out how you can get financial assistance for your schooling by downloading our guide.