Privacy and Policy

NSBA Privacy Policy

Last Updated: April 2025

In this Privacy Policy (“Policy”), we describe how NSBA, a California limited liability company, and our affiliated and subsidiary companies including National Senior Benefit Advisors, Inc. (collectively, “NSBA,” “we” or “us”) collect, use and otherwise process personal information about our customers and users of our websites and services.  

If you apply through the Services (defined below) for insurance offered by third party insurers with whom we work (each a “Third Party Insurer”), we will share your personal information with such Third Party Insurer so that they may evaluate and process your application.  The use of your personal information by a Third Party Insurer is subject to that Third Party Insurer’s applicable privacy policy and terms, not this one.

Overview of Categories of Personal Information Collected and Purposes of Use

This overview is intended to summarize key information about our information practices, which are further explained below. While the actual information we collect about you and our use of such personal information varies depending upon the nature of our relationship and interactions with you, below we provide an overview of the categories of personal information we collect about Users and the purposes for which we use such information. 

Categories of Personal Information Collected(described in greater detail below).	Use of Personal Information
Name, contact information and other identifiers: identifiers such as a real name, alias, address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.	Providing our Services and related supportProtecting the integrity of the ServicesAnalyzing and improving the Services and our businessPersonalizing the ServicesAdvertising, marketing and promotional purposesSecuring and protecting our businessDefending our legal rightsAuditing, reporting, corporate governance, and internal operationsComplying with legal obligations
Customer records: paper and electronic customer records containing personal information, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, credit card number, debit card number, or any other financial or payment information, medical information, or health insurance information.
Protected classifications: characteristics of protected classifications under California or federal law such as race, color, sex, age, religion, national origin, disability, citizenship status, and genetic information.
Commercial Information: including records of products or services purchased, obtained, or considered, or other purchasing or use histories or tendencies.
Internet or Other Electronic Network Activity Information: including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.
Audio, Video and other Electronic Data: audio, electronic, visual, thermal, olfactory, or similar information such as, CCTV footage, photographs, and call recordings.
Employment history: professional or employment-related information.
Education information: education information that is not publicly available personally identifiable information as defined in the federal Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).
Profiles and inferences: Inferences drawn from any of the information identified above to create a profile reflecting a resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.

California residents. If you are a California resident, please be sure to review the section Additional Information for California Residents below for important information, as required by California privacy laws, about the categories of personal information we collect and disclose and your rights under California privacy laws.

Scope

This Privacy Policy applies to the personal information that NSBA  collects and processes about individuals related to our services, including users of any websites that we operate and which include this Privacy Policy (each a “Site”), individuals who speak with our representatives over the telephone in any of our call centers and/or individuals who submit their personal information to us in writing for the purpose of learning about the insurance products we offer (collectively, the “Services”).  This Privacy Policy does not apply to any third party websites, services, products or mobile applications maintained by other companies, which are linked to or from our Services.

By providing your information to us through the Services, or otherwise using any of our Sites or Services, you understand and acknowledge that NSBA may process your personal information in accordance with this Privacy Policy. If you do not want this Privacy Policy to apply to you, please do not use the Services or communicate with us via the Services. If required by applicable law, we will obtain your consent to our collection, use, transfer and disclosure of your personal information.

Personal Information Collected

The information we collect about individuals varies depending upon the circumstances and the Services used.  NSBA collects personal information directly from individuals, automatically related to the use of the Services, and in some cases, from third parties (such third parties that provide us with information about individuals who may be interested in our Services).

Information Collected Directly. We collect information that you provide to us when you inquire about or use our Services, request a quote, fill out forms or fields on the Sites, create or submit an application, request information from us, sign up for newsletters or our email list, participate in a survey or promotion, or when you otherwise communicate with us or request information from us, whether via the Site, telephone, email or other means. For example, you may be required to provide us with certain information, including, without limitation, some or all of the following information:

• Name
• E-mail address
• Daytime telephone number
• Evening telephone number
• Cellular phone number
• Zip Code
• Year of Birth and/or
• Other personal or company information reasonably required to use the Services.

In addition, if you decide to use the Services to apply for insurance offered by a Third Party Insurer, we may collect additional information as necessary to submit your application to such Third Party Insurer for processing.  This additional information may include gender, full address, birth date, government-issued identification number (such as a Driver’s License number, social security number or Medicare ID), credit/debit card number, financial account information, income and/or certain medical and health information.

Information Received from Third Parties. We may work with third parties who provide us with the name, contact details and other relevant information about potential customers, who may be interested in the Services, as well as third parties that assist us in updating or enhancing the information that we have collected about individuals.  The personal information we collect from third parties may be combined with the other information we have collected about individuals or demographic information obtained from secondary sources.  In addition, when we help an individual identify, apply for or obtain insurance from a Third Party Insurer, we may receive limited information back from Third Party Insurer when your Policy is issued (such as the date, term, premium amount, payment terms, etc.).

Information Collected Automatically. Our Sites use cookies, pixels, tags, log-files, and other technologies, which may be provided by third parties, to collect information about a user from their browser or device, including, without limitation, your browser type, device type, operating system, software version, phone model, phone operating system, platform-dependent information, requested document, referring URL, date and time of your visit, clickstream data (e.g., about the pages you view, links you click and date and time stamps for your activities on our Sites) and the IP address associated with your transactions in the system. This information that we collect automatically may be linked with other personal information we have collected.  For more information, see the Cookies and Analytics section below.

Use of Personal Information

We may use the personal information that we collect about you for the following purposes:

• Providing our Services and related support: including to confirm, process, or otherwise complete a transaction or transactions requested by you; help fulfill your requests for products and services; to communicate with you about you use of our Services; to respond to your inquiries; to facilitate your application for one or more Policies; to provide troubleshooting and other technical support; submitting your credit card or other payment information when ordering and/purchasing products or services through the Services; and for other customer service and support purposes.  
• Protecting the integrity of the Services: including to verify your identity; to detect and prevent fraud and unauthorized activities; to facilitate software; to preserve the integrity of the Services and our systems, and prevent unauthorized access and activities; to enforce our applicable terms; and to protect the rights and safety of others
• Analyzing and improving the Services and our business: including to better understand how users access and use our Services; to evaluate and improve the Services and our business operations; to develop new features, offerings and services; to conduct surveys and other evaluations; and for other research and analytical purposes.  
• Personalizing the Services: including to tailor content we send or display on our Sites and Services (e.g., for your geographic area); to offer personalized help and instructions; and/or to otherwise personalize your experiences with the Services.  
• Advertising, marketing and promotional purposes: including to send or display targeted marketing and advertising on the Site, via email, direct mail, telephone, or across other websites, mobile applications, social media or other online services from us or on behalf of our partners and affiliates; to reach you with more relevant ads and to evaluate, measure and improve the effectiveness of our ad campaigns; to contact you about our Services, and/or those of our affiliates, as well as other information we think may interest you; and/or to share your information with third parties so that they may contact you with information about products and services you may be interested in. Where required by applicable law, we will obtain your consent to use your personal information for marketing and related purposes.   We do not use personal information that you provide us on your insurance application(s) for marketing or advertising purposes.
• Securing and protecting our business: including to protect and secure our business operations, assets, Services, network and information and technology resources; to investigate, prevent, detect and take action regarding fraud, unauthorized access, situations involving potential threats to the rights or safety of any person or third party, and/or other unauthorized activities or misconduct.
• Defending our legal rights: including to manage and respond to actual and/or potential legal disputes and claims, and/or to otherwise establish, defend or protect our rights or interests, including in the context of anticipated or actual litigation with Users or third parties.  
• Auditing, reporting, corporate governance, and internal operations: including relating to financial, tax and accounting audits; audits and assessments of our operations, privacy, security and financial controls, risk, and compliance with legal obligations; our general business, accounting, record keeping and legal functions; to maintain appropriate business records; to enforce company policies and procedures; and/or related to any actual or contemplated merger, acquisition, asset sale or transfer, financing, bankruptcy or restructuring of all or part of our business.
• Complying with legal obligations: including to comply with the law, our legal obligations and legal process, such warrants, subpoenas, court orders, and/or regulatory or law enforcement requests.

Disclosure of Personal Information

We may share or disclose the personal information we collect as follows:

• Subsidiaries and Affiliates: We may share your information with our affiliated companies (i.e., companies under common ownership, control or management with us) for business, operational, promotional and marketing purposes.
• Service providers: We may disclose personal information with third-party service providers who use this information to perform services for us, such as hosting providers, auditors, advisors, consultants, customer service and/or support providers.
• Third Party Insurers: If you request a quote, services or information from a Third Party Insurer or request that we match your request with relevant Third Party Insurer (each, a “Request”) or submit an application to a Third Party Insurer (an “Application”), we may share your personal information with that Third Party Insurer. The Third Party Insurer may further disclose, share and use any personal information provided by you in connection with your Request or Application, subject to the Third Party Insurer’s own privacy policy and applicable terms.

IF YOU MAKE A REQUEST OR SUBMIT AN APPLICATION, YOU ACKNOWLEDGE, UNDERSTAND AND CONSENT TO OUR DISCLOSURE OF YOUR PERSONAL INFORMATION THE RELEVANT THIRD PARTY INSURER(S) WHO MAY CONTACT YOU DIRECTLY VIA TELEPHONE, FAX, AND/OR EMAIL; YOU MAY RECEIVE TELEPHONE CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST ON THIS SITE, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY. 

• Other third parties: We may disclose your information to our sponsors, partners, advertisers or other third parties to provide you with product information and promotional and other offers. This information may be used by such third parties for those parties’ own purposes, such as to offer products or services that may interest you. For example, we may share personal information with third parties that provide advertising, campaign measurement, online and/or mobile analytics, and related services.  These third parties may receive or access as browsing and/or other data about your use of the Services, in order to help us better reach individuals with relevant ads and/or measure our ad campaigns, and/or to better understand how individuals interact with our Site and online services overtime and across devices.  We may also transfer and/or sell personal information we collect and/or join together with other businesses to bring selected opportunities to customers or potential customers.  We do not share personal information from your insurance application with third parties for marketing or advertising purposes.
• Business transfers: We may disclose and/or transfer personal information as part of any actual or contemplated merger, sale, transfer of assets, acquisition, financing and/or restructuring of all or part of our business, bankruptcy or similar event, including related to due diligence conducted prior to such event where permitted by law.
• Legally required: We may disclose personal information if we are required to do so by law (e.g., to law enforcement, courts or others, e.g., in response to a subpoena or court order).
• Protect our rights: We may disclose personal information where we believe it necessary to respond to claims asserted against us, to comply with legal process (e.g., subpoenas or warrants), enforce or administer our agreements and terms, for fraud prevention, risk assessment, investigation and/or to protect the rights, property or safety of NSBA, our clients, our customers and/or others.

Anonymized and Aggregated Data. We may share aggregate or de-identified information with third parties for research, marketing, advertising, analytics and/or other purposes.

Cookies and Analytics  

We use cookies, pixels, tags, and other technologies, which may be provided by third parties,  on our Sites to enable certain functionality and for security and fraud detection and prevention, as well as to collect usage information about our Sites and the emails that we send and to personalize content and provide more relevant ads and information. We may combine the information we collect via these technologies with other information, including personal information, that we collect.

Cookies. Cookies are alphanumeric identifiers that are transferred to your computer through your web browser for record-keeping purposes. Some cookies enable you to log-in to our Sites or save certain settings and preferences, while others, allow us to track usage and activities on our Sites, personalize content on our Sites, or deliver more relevant ads on our Sites and third party sites.  Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in the future. The “Help” tab on the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether.  If you disable cookies, however, certain features on our Sites may not be available or function properly.

Pixel tags and embedded script (aka clear GIFs and web beacons). Pixel tags are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, pixel tags are embedded invisibly on web pages. We may use these, in connection with our Sites to, among other things, track the activities users of our Services, improve ads, personalize and manage content, and gather usage information about our Sites. We may also use these in HTML emails to, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.

Do-Not-Track signals: Please note that our Sites do not recognize or respond to any signal which your browser might transmit through the so-called ‘Do Not Track’ feature your browser might have. If you wish to disable cookies on our Services, you should not rely on any ‘Do Not Track’ feature your browser might have. For more information about do-not-track signals, please click here.

Interest-based Advertising:

We work with third party ad networks, channel partners, measurement services, analytics and others (“third party ad companies”) to display advertising on our Services, and to manage or measure our advertising on third party sites, social media platforms, mobile apps and online services, as well as to send you promotional materials or offers via email or direct mail. We and these third party ad companies may use cookies, pixels tags, and other tools to collect activity information on our Services (as well as on third party sites and services), as well as IP address, device ID, cookie and advertising IDs, and other identifiers, general location information, and, with your consent, your device’s geolocation information; we and these third party ad companies use this information to provide you more relevant ads and content and to evaluate the success of such ads and content.  

Custom Lists and Matching.  We may create and disclose hashed customer list information (such as name and email address) with third parties—such as Facebook and Twitter—so that we can better target ads and content to you and others with similar interests, within these third party services. These third parties use the personal information we provide to help us target ads and to enforce their terms, but we do not permit them to use or share the data we submit with other third-party advertisers.

Opt Out of Targeted Ads. You may control how participating third party ad companies use the information that they collect about your visits to our Sites, and those of third parties, in order to display more relevant targeted advertising to you; for more information and to opt-out of go to:

• networkadvertising.org/ (Network Advertising Initiative)
• aboutads.info/choices (Digital Advertising Alliance)

Opting out of participating ad networks does not opt you out of being served advertising. You may continue to receive generic or “contextual” ads on our Services. You may also continue to receive targeted ads on other websites, from companies that do not participate in the above programs.

Your Choices

If you need to update your contact details or other personal information provided to us, please contact us as set forth in the Contact Us section below.  California residents have certain rights, under California privacy laws, regarding their personal information, which are set forth below, in the Additional Information for California Residents section below.

Marketing: As noted above, we may use your contact to send you information about us and to keep you informed of our other products and services, and/or those of our affiliates, which may be of interest to you.  By submitting your e-mail address at this Site, you agree to receive e-mail marketing from us and our third-party advertisers. In addition, you agree that such act constitutes a purchase and/or an inquiry or an application for purposes of the Telemarketing Sales Rule, 16 C.F.R. § 310 et seq., as amended from time to time (the “TSR”). Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s or a State’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the TSR and applicable States’ laws, rules and regulations. Moreover, by requesting information from us or a third-party advertiser at or through this Site, such action constitutes a purchase and/or an inquiry or an application with the respective third-party advertiser for purposes of the TSR and you may be contacted via e-mail, direct mail and/or telemarketing by such third-party advertiser in accordance with the TSR.

Communications Preferences: You may opt out of marketing communications from us as follows:

Email: To stop receiving future e-mail marketing communications from us, please send an e-mail to [email protected] or write to us at the address set forth at the end of this Privacy Policy requesting that we stop sending future e-mail marketing communications from us.

Direct Mail: If you do not want us to send you any promotional offers through direct mail, you may write to us at the address set forth in the “Contact Us” section of this Privacy Policy requesting that we stop sending future direct mail marketing communications from us. 

Phone: If you do not want to receive marketing phone calls from us, you may: (i) call us at 1-844-909-1563; (ii) ask to be placed on our Do Not Call list when you receive a call from us; (iii) write to us at the address set forth in the “Contact Us” section of this Privacy Policy requesting your telephone number to be placed on our Do Not Call list; or (iv) email or mail us at [email protected] and provide the telephone number you wish to have placed on our Do Not Call list.

To unsubscribe from a Third Party Insurer’s communications, you must contact such Third Party Insurer directly. 

Interest Based Ads: To opt-out of certain targeted advertising, follow the instructions set forth in the Interest Based Advertising section above.

Third Party Links and Websites

Our Sites may contain links to other third-party owned and/or operated websites. We are not responsible for the privacy practices or the content of such third-party websites. In some cases, you may be able to make a purchase through one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and we have no responsibility or liability relating to such policies or practices.

Security

We have taken certain physical, electronic, contractual and managerial steps to safeguard and secure the personal information we collect. Please note, however, that it is your responsibility to maintain the confidentiality of your password associated with this Site, if any. In addition to using a variety of security technologies and procedures to protect your personal information generally, to the extent your Social Security Number (“SSN”) is collected, we also take measures to maintain its confidentiality, to protect it from unlawful disclosure and limit access to it by unauthorized third parties. Specifically, we will not make your SSN available to the general public, print your SSN on any card, require your SSN to access products or services, require you to transmit your SSN on the Internet unless the connection is secure or the SSN is encrypted, or require you to transmit your SSN to access a website without requiring additional authentication.

Minors

Our Services are not designed for individuals under 18, and we do not knowingly solicit or collect information from individuals under the age of 18. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children. We will not be liable for any content or advertisements viewed by minor children in violation of the terms of this Privacy Policy.

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time. When we do, we will post the change on this Site. If we change the Privacy Policy in any material way, we will provide appropriate online notice to you.

Contact Us

If you have any questions or suggestions regarding this Privacy Policy, you should feel free to contact us at [email protected] or at:

NSBA

4241 Jutland Drive

Suite 101

San Diego, CA 92117

IMPORTANT ADDITIONAL PRIVACY INFORMATION FOR CALIFORNIA RESIDENTS ONLY

In this section, we provide information for California residents, as required under California privacy laws, including the California Consumer Privacy Act (“CCPA”), which requires that we provide California residents certain specific information about how handle their personal information, whether collected online or offline. 

This section does not address or apply to our handling of personal information that is subject to an exemption under Section 1798.145(c) – (f) of the CCPA, such as protected health information that is subject to HIPAA or the California Medical Information Act, or publicly available data lawfully made available by federal, state or local government records.  This section also does not apply to personal information we collect about job applicants, independent contractors, or current or former full-time, part-time and temporary employees and staff, officers, directors or owners of NSBA. This section also does not apply to personal information we collect about non-California residents.

Categories of Personal Information that We Collect, Disclose, and Sell

The table below sets out generally the categories of personal information (as defined by the CCPA) about California residents that we collect, sell, and disclose to others for a business purpose.  We collect these categories of personal information from the sources described in the Personal Information Collected section above, and for the purposes described in the Use of Personal Information section above. Our collection, use and disclosure of personal information about a California resident will vary depending upon the circumstances and nature of our interactions or relationship with such resident.

Categories of personal information	Do we collect?	Do we disclose for a business purpose(s)	Do we sell?
Name, contact information and other identifiers: identifiers such as a real name, alias, address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers (e.g., related to leads and referrals).	Yes	Yes	Yes
Customer records: other paper and electronic customer records (e.g. associated with your application for insurance offered by Third Party Insurer)  containing personal information, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, credit card number, debit card number, or any other financial or payment information, medical information, or health insurance information.	Yes	Yes	No
Protected classifications: characteristics of protected classifications under California or federal law such as race, color, sex, age, religion, national origin, disability, citizenship status, and genetic information.	Yes	Yes	Yes
Commercial Information: including records of products or services purchased, obtained, or considered, or other purchasing or use histories or tendencies.	Yes	Yes	Yes
Usage data: internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.	Yes	Yes	Yes
Audio, video and other electronic data: audio, electronic, visual, thermal, olfactory, or similar information such as, CCTV footage, photographs, and call recordings.	Yes	Yes	No
Employment history: professional or employment-related information.	Yes	Yes	No
Education information: education information that is not publicly available personally identifiable information as defined in the federal Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).	Yes	Yes	No
Profiles and Inferences: Inferences drawn from any of the information identified above to create a profile reflecting a resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.	Yes	Yes	Yes

California Resident Rights

California law grants California residents certain rights and imposes restrictions on particular business practices as set forth below.

Right to Opt-out of Sale of Personal Information:  California residents have the right to opt-out of our sale of their personal information. Opt-out rights can be exercised by clicking here, and filling out the form requesting opt-out. We do not sell personal information about residents who we know are younger than 16 years old without opt-in consent.

Verifiable Requests to Delete and Requests to Know: Subject to certain exceptions, California residents have the right to make the following requests, at no charge:

Request to Delete: California residents have the right to request deletion of their personal information that we have collected about them and to have such personal information deleted, except where an exemption applies. 

Request to Know: California residents have the right to request and, subject to certain exemptions, receive a copy of the specific pieces of personal information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance.  California residents also have the right to request that we provide them certain information about how we have handled their personal information in the prior 12 months, including the:

• categories of personal information collected;
• categories of sources of personal information;
• business and/or commercial purposes for collecting and selling their personal information;
• categories of third parties/with whom we have disclosed or shared their personal information;
• categories of personal information that we have disclosed or shared with a third party for a business purpose;
• categories of personal information collected; and
• categories of third parties to whom the residents’ personal information has been sold and the specific categories of personal information sold to each category of third party.

California residents may make Requests to Know up to twice every 12 months.

Submitting Requests. Requests to Know, and Requests to Delete may be submitted:

• Submitting a request to us at [email protected]
• By contacting us at 1-800-270-1425 (toll free)

We will respond to verifiable requests received from California residents as required by law.    

Right to Non-Discrimination: The CCPA prohibits discrimination against California residents for exercising their rights under the CCPA. Discrimination may exist where a business denies or provides a different level or quality of goods or services, or charges (or suggests that it will charge) different prices,  rates, or penalties on residents who exercise their CCPA rights, unless doing so is reasonably related to the value provided to the business by the residents’ data.   

Financial Incentives: A business may offer financial incentives for the collection, sale or deletion of California residents’ personal information, provided the incentive is not unjust, unreasonable, coercive or usurious, and is made available in compliance with applicable transparency, informed consent, and opt-out requirements. California residents have the right to be notified of any financial incentives offers and their material terms, the right to opt-out of such incentives at any time, and may not be included in such incentives without their prior informed opt-in consent.  We may make available educational materials that may be useful to individuals who are shopping for a specific type of insurance in exchange for an individual providing us their personal information and agreeing to be contacted about our and third party products and services.  You may opt out of marketing communications from us at any time, as set out in the Your Choices section above.

For more information about our privacy practices, you may contact us at [email protected].

Your California Privacy Rights Under the Shine the Light Law

• California law allows individuals that reside in California to know the third parties with whom we shared their personal information for those parties’ own marketing purposes. The type of information and instances in which we share such information is detailed in this Privacy Policy. However, if you are a resident of California and you would like to know the specific companies with whom we shared your personal information and the categories of the information we shared, you may submit a written request for such information to us at [email protected]

Virginia Residents

Virginia law grants Virginia residents certain rights and imposes restrictions on particular business practices as set forth below.

Right to Confirm/Access: Virginia residents have the right to confirm whether or not we are processing their personal information and to access such personal information.

Right to Correction: Virginia residents have a right to correct inaccuracies in their personal information, taking into account the nature of the personal information and our purpose for processing their personal information.

Right to Delete: Virginia residents have the right to request the deletion of their personal information that we have collected about them and to have such personal information deleted.

Right to Data Portability/Access: Virginia residents have a right to obtain a copy of their personal information previously provided to us in a portable and, if feasible, readily usable format.

Right to Opt-Out: Virginia residents have a right to opt-out of the processing of their personal information for purposes of (i) targeted advertising; (ii) the sale of personal information; or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects.  Under Virginia law, “sale” means only if we exchange personal information for monetary consideration with a Third Party. Opt-out rights can be exercised by clicking the “Do Not Sell/Share My Info” link in the footer of the Site. 

Right to Non-Discrimination: Under Virginia law, we are prohibited from discriminating against Virginia residents for exercising their rights listed above.

Submitting Requests:  You may exercise your rights(s) to Confirm, Access, Correct, Delete and/or Opt-Out of processing your personal information for certain purposes by:

Submitting a request to us here, or

Contacting us at 1-800-270-1425 (toll free)

We will use the following process to verify requests that we receive: acknowledge receipt of the request, authenticate it using processes required by law, then process and respond to the request as required by law.  To authenticate such requests, we may ask for additional information as reasonably necessary.