This Notice of Privacy is for California Residents and applies to all consumers who interact with Millionaire Publishing LLC who reside in the State of California. It supplements the information in our Privacy Statement to comply with the California Consumer Privacy Act of 2018 (CCPA). Terminology defined in the CCPA is defined the same here. No provision of this Notice may be construed to provide consumers any rights (or our company any obligations) beyond those required by the CCPA and other applicable law.
Disabled consumers who need these disclosures presented in an alternate medium, may contact us at the email address or telephone number listed further below.
Personal Information That We Collect
By providing your personal information to us, asking to be contacted or using us to interact with a third party, you are also specifically directing us to disclose your information to any third-parties listed, along with others who we feel may have information or offers you may be interested in.
We collect personal information directly from you and by observing your interactions on our website which identifies, relates to, describes and/or is capable of being associated with or could reasonably be linked, directly or indirectly, with a particular consumer, household or device. In the last twelve months we have collected the categories of information listed below. 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 notice. The following is an overview of information defined by the CCPA as personal information.
|A. Unique personal identifiers||A real name, account name, address, alias, bank account number, credit card number, email address, debit card number, driver’s license number, insurance policy number, internet Protocol address, passport number, physical characteristics or description, postal address, online identifier, signature, Social Security number, state identification card number, telephone number, unique personal identifier, or other similar identifiers.|
|B. Characteristics of protected classifications under California or federal law||Age (40 years or older), ancestry, citizenship, color, disability (physical or mental), marital status, medical condition, national origin, race, religion or creed, 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).|
|C. Commercial information||Products or services considered, obtained or purchased, purchasing or consuming histories or tendencies, records of personal property.|
|D. Biometric information||Activity patterns used to extract a template, behavioral, biological, genetic or physiological characteristics, other identifiers or identifying information eg:, face, finger or voiceprints, gait tendencies, health information like exercise or sleep information, iris or retina scans, keystrokes or other physical patterns.|
|E. Internet or other electronic network activity information||Browsing history, search history, information regarding interaction with advertisements, applications or websites.|
|F. Geolocation information||Physical location or movements including trends.|
|G. Sensory information||Audio, electronic, visual, thermal, olfactory or similar data.|
|H. Professional or employment related information||Past or present job history, performance evaluations.|
|I. Non-public / Private (non-public) educational information protected by the Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).||Class lists, disciplinary records, financial information, grades, identification codes, schedules, transcripts or other information directly related to a student which is collected by educational institutions or agencies acting on their behalf.|
|J. Inferences or conclusions drawn from personal information||Profiles reflecting an individual’s abilities, attitudes, aptitudes, behavior, characteristics, intelligence, predispositions, preferences, psychological trends etc.|
|K. 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, 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.
Personal information does not include: De-identified or aggregated consumer information, information excluded from the CCPA’s scope (eg: 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). 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, publicly available information from government records.
We obtain personal information from the following categories of sources
|A. As described upon collection of information||As set forth in the CCPA.|
|B. Complying with the law||Obeying the court, law and government regulations, responding to requests from law enforcement and other governing bodies.|
|C. Fulfill requests, the reason you provided the information||Answering questions, facilitating delivery, fulfilling purchases, providing information on products or services, price quotes, processing payments and transactions, processing product orders, processing returns. This includes, for example, when you make a request online to receive offers via email or telephone, or when you request or agree during one of our phone calls, to be transferred to a third-party product or service seller to receive such offers.|
|D. Maintaining safety and security||Preventing theft of information, products and services as well as technological resources and preventing transactional fraud.|
|E. Personalizing the customer experience||Personalizing your experience to deliver content, product and service offerings relevant to your interests (eg; targeting offers and ads through our website, third-party sites and via email or text messaging –with your consent, where required by law).|
|F. Product development||Product, service and website improvement, research and analysis|
|G. Providing support||Developing and personalizing our products, services and website, investigating and addressing concerns, monitoring and improving responses|
|H. Restructuring||Evaluating or conducing mergers, divestures, reorganization, sale or transfer or assets in the event of bankruptcy, liquidation, etc.|
Sharing Personal Information
We may disclose your personal information to a third party (eg: Service providers and data aggregators) for a business purpose. When we disclose your information for business purposes our contracts state the purpose and requires all parties use personal information for the sole purpose of executing the contract and also that all personal information be kept confidential.
Personal Information Disclosed in the Last 12 Months
In the last twelve months, we have disclosed the categories of personal information below for a business purpose.
Category A: Unique Personal Identifiers
Category C: Commercial Information
Category E: Internet or Other Electronic Network Activity Information
Category J: Inferences or Conclusions Drawn from Personal Information
Category K: Personal Information Categories Listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
Personal Information Sold in the Last 12 Months.
In the last twelve months we have not sold personal information for a business purpose. Note that under the CCPA, a business does not “sell” personal information when a consumer uses or directs the business to intentionally disclose personal information or uses the business to intentionally interact with a third party, provided the third party does not also sell the personal information, unless that disclosure would be consistent with the provisions of this title. An intentional interaction occurs when the consumer intends to interact with the third party, via one or more deliberate interactions.
Your Rights and Choices
The CCPA provides consumers with specific rights regarding their personal information if they are California residents. The following is an overview of these rights and an explanation of how to exercise them.
You will need to prove your identity to us. If you have no password-protected account with us, you will need to provide us with at least 2 data points which we already maintain about you, and possibly other information and a signed declaration under penalty of perjury if the information maintained about you is of a sensitive nature. In some cases, we might not be able to successfully verify your information and in such a case, we will notify you as to why we cannot provide it.
We do not offer financial incentives to consumers to induce their agreement for us to sell their personal information. Rather, if you do not agree, we might not be allowed to provide your information to third parties who have the quotes, services or other information you have requested. Note that under the CCPA, the “sale” of information does not include the disclosure of information at the consumer’s request.
Changes to Our Privacy Notice
We reserve the right to amend this notice of privacy at any time and at our sole discretion. When changes are made, we will post a notice on the main website and the date the changes take effect. Continued use of this website indicates your acceptance of these changes.
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