Privacy Policy

If you are a resident of California, you have specific rights over your personal information under the CCPA/CPRA. These include:

• Right to Know: You have the right to request that we disclose the personal information we have collected about you in the 12-month period preceding your request. You may ask for information such as the categories of personal information we collected, the sources of that information, the business or commercial purpose for collecting it, and the categories of third parties with whom we shared or disclosed the information . You may also request the specific pieces of personal information we have collected about you.

• Right to Delete: You have the right to request deletion of personal information we have collected from you and retained, subject to certain exceptions . Once we receive and confirm a verifiable deletion request, we will delete (and direct our service providers to delete) your personal information from our records, unless an applicable legal exception applies. For example, we may retain information needed to complete a transaction you requested, to comply with a legal obligation, or other purposes allowed by law (the CCPA/CPRA outlines exceptions such as retaining data for fraud prevention, legal compliance, internal uses, etc.). We will inform you if any such exception applies to your request.

• Right to Correct: You have the right to request that we correct any inaccurate personal information we maintain about you . If you believe any of your information is incorrect or outdated (for instance, if you want to update your contact information), you may request a correction. Upon verifying the validity of the request, we will correct the information as you direct, or if appropriate, we may delete the inaccurate information and replace it with the corrected data.

• Right to Opt-Out of Sale or Sharing: You have the right to opt out of the sale of your personal information, or the sharing of your personal information for cross-context behavioral advertising purposes . Note: As stated above, MaliCare does not sell personal data for monetary value. We also do not share personal data for targeted advertising except in the context of using third-party advertising cookies/pixels. If you wish to opt out of such tracking-based information sharing, you may do so by utilizing the cookie preference tools described in the Cookies section (such as using the GPC signal or contacting us to opt out). If in the future we were to engage in any activity deemed a “sale” of personal data, we will provide a clear “Do Not Sell or Share My Personal Information” link on our website to facilitate opt-outs.

• Right to Limit Use of Sensitive Personal Information: If we collect sensitive personal information (as defined by California law) about you, you have the right to limit our use or disclosure of that sensitive information to only what is necessary to perform the services or provide the goods you requested, or other purposes expressly authorized by law . Sensitive personal information may include data like precise geolocation, social security number, or health information. In our case, the only sensitive information we might collect is health-related (general health status) or financial (household income). We use such information solely for assisting you with insurance services (an explicitly permitted purpose) and do not use or disclose it for secondary purposes. Therefore, we believe our use of sensitive data is already limited to what is allowed. Nonetheless, if you are a California resident and you prefer we further restrict use of any sensitive personal info you provided, you can contact us to request that. We will honor applicable requests to limit use/disclosure of sensitive info.

• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights . This means we will not deny you services, charge you a different price, or provide a different level of quality of services because you exercised your rights under CCPA/CPRA. The law permits businesses to offer certain financial incentives that might be tied to personal data (for example, a discount program in exchange for data), but we currently do not offer such programs. If we ever do, we will provide details and obtain opt-in consent as required. In all cases, your choice to exercise privacy rights will not affect the service we provide you.

Submitting Requests: If you are a California resident (or authorized agent) and wish to exercise your Right to Know, Delete, Correct, or Opt-Out, you may submit a request to us through any of the contact methods listed in the Contact Us section below. For opt-out of sale/sharing, you may also use the cookie and browser-based methods described earlier, which we will treat as legitimate opt-out requests. When you submit a request, please indicate that you are a California consumer exercising your CCPA/CPRA rights and specify the request type (access, deletion, correction, etc.). Verification: For your protection, we will need to verify your identity before fulfilling certain requests (such as access, deletion, or correction requests) . This may involve asking you to provide additional information or confirm details we already have on file (for example, verifying your name, email, phone number, or recent transaction with us) . We will only use the information you provide for verification to process your request. If you have authorized someone else to make a request on your behalf, we will require proof of that authorization (e.g. a written permission or power of attorney) and will still verify your identity with you directly if required by law.

Response Time: We endeavor to respond to consumer requests within 45 days of receipt. If we need more time (up to an additional 45 days), we will inform you of the reason and extension in writing . Our response will typically be delivered electronically (unless you request another format) and, where applicable, will cover the 12-month period preceding the request. For access requests, we will provide the information required by law (which may be provided in summary form if allowed). For deletion requests, we will confirm the deletion or explain any denial (and basis for refusal). For correction requests, we will confirm that we have corrected the information as directed or explain why we cannot. Any disclosures we provide will be for free, up to twice per 12-month period as allowed; if you make additional requests, we will not charge you unless permitted by law and after providing an estimate of any fees.