Privacy Policy
We at mysbhs.com (the “Site”, or “Us”, “Our” or “We”) understand that You, the
user of the Site and its services (“You”) value Your privacy and We strive to
respect that privacy when You are using the Site or Our services. This Privacy
Policy describes what information We gather from You, how We use that
information, who We share it with, and what We do to protect it. By using this
Site, You are expressly consenting to the information handling practices
described in this Privacy Policy. If You do not agree with this Privacy Policy, do
not use the Site and do not submit any information to Us.
Information We Collect From You
The information We collect from You, includes, but is not limited to: name, age,
gender, physical address, email address, phone number, household information,
income, marital status, and personal health information such as medical history.
We reserve the right, and the Site may collect from time to time, any other lawful
personal information about You, such as information that will help us match
products and services that may be of interest to You.
The Site also collects and retains non-personal, technical information about Your
visit(s) to the Site, including, without limitation, IP address assigned to the
computer You are using, the type of browser You are using, Your location, time of
visit, and the operating system Your computer or device is using.
How We Use Your Information
We use Your personal information to match Your request for insurance products
and services with Our network of providers of insurance products and services.
We may also use Your personal information for any other lawful purpose,
including, without limitation, sharingYour personal information with third parties
who may send You ads or marketing communications about their products and
offers which may be of interest to You.
By submitting Your information to Us, You are authorizing these third parties to
contact You through any lawful means, including, without limitation, email,
telephone (even if Your telephone number is on the do not call list), text, or online
ads, regarding their products and services. If You subsequently desire that these
third parties no longer contact You, You will need to communicate Your request
directly to them.
We may also share Your information with third-party contractors who provide
services to Us so that We can provide You with the Site and its various services.
These third-party contractors are prohibited from using the information We
provide for purposes other than performing services for Us. We may transfer
Your information to third parties that are involved in a corporate merger or
acquisition with Us.
The non-personal data that the Site collects is generally used in the aggregate to
analyze the ways in which the Site is used, and how We can improve the user
experience, and may be shared with third parties such as advertisers, marketers,
and other vendors who provide Us with services. We use information about You
and Your activities on the Site for research and reporting purposes.
We may also disclose Your information to third parties when We reasonably
believe We are obligated to do so by law. We may also do so in order to
investigate, prevent, or take action regarding suspected or actual prohibited
activities, including, without limitation, fraud, situations involving potential threats
to the Site or the physical safety of any person, and violations of any applicable
law.
Cookies
We may use cookies, web beacons, and other tracking technologies to collect
information about You and Your interaction with the Site. We may also use
tracking technologies for interest-based advertising, as described below.
Typically, Our cookies will expire after 30 days. Most web browsers are set to
accept cookies by default, but You can usually change Your settings to reject
cookies. For more information about interest-based ads, see the “Interest-Based
Ads” section below.
Do Not Track
Most browsers have a “Do Not Track” functionality of Your web browser by
visiting the Preferences or Settings page of Your web browser. Because there are
currently no industry standards for Do Not Track signals and responses, the Site
is not designed to respond to the “Do Not Track” setting of Your browser.
Interest-Based Advertising
We and Our third party partners may engage in marketing tactics, including what
is known as “interest-based advertising”. As described above, We and Our
partners may set a cookie on Your device and/or browser. Among other things,
this technology allows Us and Our partners to provide You with interest-based or
targeting advertising, that is, offers to products and services which will be of
interest to You based on websites You’ve visited, Your visit to this Site, or other
data or information which marketers may have about You. Such tactics may
include tracking Your use of a web service over time and across different
websites, in what is known as “retargeting”. Retargeting means that after visiting
the Site or other websites, marketers may deliver ads to You on this or other
websites. Marketers may track Your Internet usage across websites and combine
data from other sources to personally identify You.
For more information about interest-based advertising, please visit
http://www.allaboutcookies.org/. To opt out of Your web browsing information
being used in this manner, please visit http://optout.aboutads.info. This opt-out
process is managed and governed by industry self-regulatory bodies such as the
Digital Advertising Alliance (http://digitaladvertisingalliance.org/), not by Us. Note
that in the opt-out process, You may opt-out of interest-based advertising on a
company-by-company basis, or You may opt out of interest-based ads from all
companies who have elected to participate in the program. We do not participate
directly in the program, however, Our third party partners who may be showing
You ads through Our interest-based marketing efforts, such as Google, Inc., do
participate. And, although some companies may provide their own, direct opt-out
mechanism, this Site does not currently offer that option.
If You do elect to take advantage of this opt-out, please note that it remembers
Your preference by setting a cookie on Your device or browser. Therefore, if You
change computers or browsers, or delete cookies, You will have to opt-out again
for each of the companies You previously opted out of. It is also important to note
that opting-out of interest-based ads does not mean that You will no longer
receive advertising, nor will it prevent the receipt of interest-based advertising
from third parties that do not participate in these programs. It will, however,
exclude You from interest-based advertising conducted through participating
networks, as provided by their policies and choice mechanisms.
Revoking Your Consent
If, after submitting Your personal information to Us, You subsequently decide that
You no longer want Us to retain and use Your personal information, please email
Us at info@mysbhs.com and We will use commercially reasonable efforts to
delete Your personal information which is no longer needed for our legal
compliance purposes (for example, some laws may require that we keep records
of Our transactions regarding Your Personal Information), and we will cease
sharing your Personal Information with third parties. However, please note that if
We have shared Your personal information with any third parties, You will have to
contact them directly with Your request to delete Your information. They may or
may not have policies which allow such actions; We do not have knowledge or
control their practices.
Opting Out of Email Marketing
Communications
If We are sending you email marketing communications and You no longer wish
Us to send You those email marketing communications, please click on the
unsubscribe link in the email We send you or send Your opt-out request to
info@mysbhs.com and We will implement Your opt-out request within 10
business days. Again, if We have shared Your email address with any third
parties, You will have to contact those companies directly. Please note that You
cannot opt-out of email communications that are not marketing in nature, that is,
emails which are used for administrative or technical communications.
Third Party Sites, Links, and Content
Appearing on mysbhs.com
The Site may contain links to, advertisements for, or other content from third
party sites and services which are operated by such third parties and not Us.
Such third parties’ practices and policies regarding the handling of Your
information may differ from Ours. While We endeavor to associate only with
reputable partners and third party sites, We are not be responsible for their
actions or policies. This Privacy Policy does not address any such third parties.
Please review their privacy policies directly.
Protecting Your Information
We use industry standard safeguards in storing and maintaining Your personal
information in a secure manner, and in transmitting Your personal information to
Our third-party partners in a secure manner. However, You understand and agree
the internet is not 100% secure. Please keep Your security software up to date
and always be cautious when sharing Your personal information.
Information Relating to Children
Only individuals 18 years of age or older have permission to use the Site. If You
are not at least 18 years old, do not use the Site. Any individual who uses the
Site or provides their information to Us represents that they are 18 years of age
or older.
The Site is not intended for or directed at children under 13 years of age. We do
not knowingly collect personal information from children under 13 years of age. If
You are under 13 years of age, do not use this Site or provide Your information to
Us. If We discover that a child under the age of 13 has provided Us with personal
information, or that We have inadvertently collected such information, We will
promptly delete it from Our systems. However, third parties which we have
passed such information on to will still have such information. If anyone believes
that We have been provided with the personal information of a child under the
age of 13, please notify Us immediately at info@mysbhs.com, and we will use
commercially reasonable efforts to promptly delete such information. Please be
advised, however, that such persons will also need to contact third parties which
We have shared such information with.
Your California Privacy Rights
Under California law, residents of California may request certain information
about Our disclosure of personal information during the prior calendar year to
third parties for marketing purposes. To request this information, please contact
Us at info@mysbhs.com.
Changes to this Privacy Policy
We may make changes to this Privacy Policy at any time, for any or no reason,
with or without notice to You. Such changes may take place due to a change or
expansion in Our services or policies. As You use the Site, You are required to
periodically check this Privacy Policy for any changes. To assist You, We provide
Our Privacy Policy’s effective date at the top of this page. You are responsible for
reading and understanding this Privacy Policy, and Your continued use of the Site
or Our services following a change or update to this Privacy Policy constitutes
Your continued agreement and consent to the practices described herein.
If You have any questions or comments regarding Our Privacy Policy, please visit
Us at Our “Contact Us” page.
Privacy Notice for California
Residents
This Privacy Notice for California Residents supplements the information contained in
our privacy policy above and applies solely to all visitors, users, and others who
reside in the State of California (”consumers” or “you”). We adopt this notice to
comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms
defined in the CCPA have the same meaning when used in this notice.
Category Examples Collected
A. Identifiers. (Identifiers) A real name, alias, postal address, unique personal
identifier, online identifier, Internet Protocol address,
email address, account name, Social Security
number, driver’s license number, passport number, or
other similar identifiers.
YES
B. Personal information
categories listed in the
California Customer Records
statute (Cal. Civ. Code §
1798.80(e)). (Related
Information)
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.
YES
C. Protected classification
characteristics under California
or federal law. (Characteristics)
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
D. Commercial information.
(Commercial Information)
Records of personal property, products or services
purchased, obtained, or considered, or other
purchasing or consuming histories or tendencies.
NO
E. Biometric information.
(Biometric Information)
Genetic, physiological, behavioral, and biological
characteristics, or activity patterns used to extract a
template or other identifier or identifying information,
such as, fingerprints, faceprints, and voiceprints, iris
or retina scans, keystroke, gait, or other physical
patterns, and sleep, health, or exercise data.
NO
F. Internet or other similar
network activity. (Internet
Activity)
Browsing history, search history, information on a
consumer’s interaction with a website, application, or
advertisement.
YES
G. Geolocation data.
(Geolocation data)
Physical location or movements. YES
H. Sensory data. (Sensory data) Audio, electronic, visual, thermal, olfactory, or similar
information.
NO
I. Professional or
employment-related information.
(Professional Information)
Current or past job history or performance
evaluations.
NO
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)). (Non-public
Education Information)
Education records directly related to a student
maintained by an educational institution or party
acting on its behalf, such as grades, transcripts, class
lists, student schedules, student identification codes,
student financial information, or student disciplinary
records.
NO
K. Inferences drawn from other
personal information.
(Inferences)
Profile reflecting a person’s preferences,
characteristics, psychological trends, predispositions,
behavior, attitudes, intelligence, abilities, and
aptitudes.
YES
Personal information does not include:
○ Publicly available information from government records.
○ De-identified or aggregated consumer information.
○ Information excluded from the CCPA’s scope, like:
○ 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.
We obtain the categories of personal information listed above from the following
categories of sources:
○ Directly from you (e.g., via telephone, text message, email, website form
submission, etc.).
○ Publicly accessible sources (e.g., property records, public directories, etc.).
○ Third parties (e.g., marketing vendors and social media, digital advertising, and
data aggregation businesses).
○ Indirectly from you (e.g., via cookies, digital trackers, analytics, and IT and
security systems).
Use of Personal Information
We may use, or disclose the personal information we collect for one or more of the
following business purposes:
○ To fulfill or meet the reason you provided the information. For example, if you
share
○ To fulfill the reason you provided the information (e.g., to match you with an
insurance agent, provide support, respond to an inquiry, etc.).
○ To market products and services to you (including by third parties with whom
we may share your personal information).
○ To personalize your website experience and to deliver content and product and
service offerings relevant to your interests, including targeted offers and ads
through our website, third-party sites and companies, and via email, telephone,
text message, or other means (with your consent as required by applicable
law).
○ For other marketing purposes.
○ To help maintain the safety, security, and integrity of our website, products and
services, databases and other technology assets, and business.
○ To evaluate or conduct a merger, restructuring, sale, or other corporate
transaction in which personal information is among the assets transferred.
○ To investigate and prevent fraud and abuse of our website, products, and
services.
○ To comply with our legal and regulatory obligations.
○ For other business purposes.
Sharing Personal Information
We may disclose your personal information to a third party for a business purpose or
sell your personal information, subject to your right to opt-out of those sales (see
Personal Information Sales Opt-Out and Opt-In Rights). When we disclose personal
information for a business purpose, we enter a contract that describes the purpose
and requires the recipient to both keep that personal information confidential and not
use it for any purpose except performing the contract. The CCPA prohibits third
parties who purchase the personal information we hold from reselling it unless you
have received explicit notice and an opportunity to opt-out of further sales.
○ Persons or companies that offer products or services on our websites
(Providers).
○ Marketing vendors and social media, digital advertising, and data aggregation
companies (Marketers).
○ Auditors, attorneys, consultants, professional service providers, etc.
(Professional Services).
○ Other parties with a legal interest (including private parties and government or
regulatory entities) (Legal Parties).
○ Other service providers we use to help provide our products or services
(Service Providers).
Disclosures of Personal Information for a
Business Purpose
In the preceding twelve (12) months, we have disclosed for a business
purposeIdentifiers, Related Information, Characteristics, Internet Activityand
Geolocation Data to Providers and Marketers.
Sales of Personal Information
In the past twelve (12) months, we have disclosed for business purposes Identifiers,
Related Information, Characteristics, Internet Activity, Geolocation Data and
Inferences to Professional Services and other Service Providers.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding
their personal information. This section describes your CCPA rights and explains how
to exercise those rights.
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 12 months. Once we
receive and confirm your verifiable consumer 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 share 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 consumer request, we will delete (and direct our service
providers to delete) your personal information from our records, unless an exception
applies.
We may deny your deletion request if retaining the information is necessary for us or
our service provider(s) to:
○ 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 contract with you.
○ Detect security incidents, protect against malicious, deceptive, fraudulent, or
illegal activity, or prosecute those responsible for such activities.
○ Debug products to identify and repair errors that impair existing intended
functionality.
○ Exercise free speech, ensure the right of another consumer to exercise their
free speech rights, or exercise another right provided for by law.
○ Comply with the California Electronic Communications Privacy Act (Cal. Penal
Code § 1546 et. seq.).
○ Enable solely internal uses that are reasonably aligned with consumer
expectations based on your relationship with us.
○ Comply with a legal obligation.
○ 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 the access, data portability, and deletion rights described above, please
submit a verifiable consumer request to us by sending us an email to
info@mysbhs.com. Only you, or a person registered with the California Secretary of
State that you authorize to act on your behalf, may make a verifiable consumer
request related to your personal information. You may also make a verifiable
consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice
within a 12-month period. The verifiable consumer request must:
○ Provide sufficient information that allows us to reasonably verify 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 the personal
information relates to you. We will only use personal information provided in a
verifiable consumer request to verify the requestor’s identity or authority to make the
request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days
of its receipt. 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
12-month period preceding the verifiable consumer request’s receipt. 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, specifically by
electronic mail communication.
We do not charge a fee to process or respond to your verifiable consumer 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.
Personal Information Sales Opt-Out and
Opt-In Rights
We do not knowingly collect information from individuals under eighteen (18) years of
age. No information should be submitted to, or posted at, our websites by individuals
under eighteen (18) years of age.Consumers who opt-in to personal information
sales may opt-out of future sales at any time. To request that we do not sell your
personal information, click the Do Not Sell My Personal Information hyperlink located
near the bottom of the landing page on our website.
Once you make an opt-out request, we will wait at least twelve (12) months before
asking you to reauthorize personal information sales. However, you may change your
mind and opt back into personal information sales at any time by visiting our website
and sending us a message. We will only use personal information provided in an
opt-out request to review and comply with the 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.
○ Suggest that you may receive a different price or rate for goods or services or
a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CCPA that
can result in different prices, rates, or quality levels. Any CCPA-permitted financial
incentive we offer will reasonably relate to your personal information’s value and
contain written terms that describe the program’s material aspects. Participation in a
financial incentive program requires your prior opt in consent, which you may revoke
at any time.
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our
Website that are California residents to request certain information regarding our
disclosure of personal information to third parties for their direct marketing purposes.
To make such a request, please send us an email to info@mysbhs.com or write to us
at our address listed on our webpage.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time.
When we make changes to this privacy notice, we will post the updated notice on the
Website and update the notice’s effective date. Your continued use of our Website
following the posting of changes constitutes your acceptance of such changes.
Contact Information
If you have any questions or comments about this notice, the ways in which we
collect and uses your information described herein, your choices and rights regarding
such use, or wish to exercise your rights under California law, please do not hesitate
to contact us as follows:
○ By emailing – info@mysbhs.com
○ Write to us at our address listed on our webpage.
EDM Leads LLC
1166 E Warner Rd, Suite 218, Gilbert, AZ 85296
