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Our Privacy Notice Last updated: April 13, 2021 We Respect Your Privacy At Top-Rates-USA.com, owned and operated by Leadteractive, LLC, (collectively, “”, “Company”, “we”, “us”, or “our”), your privacy is a top priority for us and we are committed to protecting your privacy online. This Privacy Notice outlines the steps we’ve taken to ensure that you have a great experience at Top-Rates-USA.com.com, and also provides details on how we treat any personal information you may submit to us. This Privacy Notice applies to this website, Top-Rates-USA.com. In addition, we may from time to time add new sites that may or may not be listed in this Privacy Notice. Please note that this Notice applies only to the information collected through this website and not to websites maintained by other companies or organizations to which we link. In addition, this Notice applies only to information collected online, not offline, and how they are being used, secured, and shared by Top-Rates-USA.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request. TRUSTe Information Collection and Use We may collect and use personal information about you to respond to your request for products and services offered through this website for the purpose of matching you to providers who have paid marketing fees to receive inquiries. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you, including offers from our subsidiaries, parent or sister companies, affiliates, clients and/or business providers. The information we collect may be from the following sources: Information provided by you in connection with obtaining quotes for insurance. For example, you may be asked to provide your full name, address, telephone number, email address and/or financial information depending upon your request. In some cases, you may also be asked to submit additional personal and/or financial information once you are linked to the insurance carrier’s website. Please note that the information submitted on an insurance carrier’s website is not operated by Top-Rates-USA.com, and the collection use and disclosure practices are governed by that particular insurance carrier’s privacy policy. Information provided by you in connection with obtaining quotes from providers for other products or services such as long distance service, internet access, and home improvement. Information provided by you in connection with obtaining a certain product or service offered by one our network providers. Information you provide us when you register to receive communications from us (such as your email address). Information you provide us when you enter promotions or sweepstakes offered by Top-Rates-USA.com (such as your full name, physical address and email address). Information you provide us through telephone and web based surveys, customer service correspondence, and general feedback. Information you provide us when you apply for a job with Top-Rates-USA.com. We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we may receive information about you from other online or offline sources, including third parties from whom we validate consumer self-reported information, and verify information we already have about you. This helps us to update, expand and analyze our records and provide products and services that may be of interest to you. Information Sharing and Disclosure We share your personal information with other companies so that they can market their products or services to you. If you do not want us to share your personal information with these companies, contact us at CustomerCare@Top-Rates-USA.com.com Additionally, we share personal information about you under the following circumstances: Products or Service Requests – If you submit a request for information on insurance products and/or services or any other product or service offered through this website, we will share the personal information contained in your request form (such as your full name, address, telephone number, or e-mail address) with our business providers, which include, but are not limited to, insurance carrier’s brokers, agents, and companies in our client network (collectively, “Client” or “Clients”) to process and fulfill your request. To complete your request, you may be asked to provide your year of birth, information about your driving history and other personal information, depending on the type of service requested, that is necessary for the purpose of underwriting and/or issuing an insurance policy. If applicable to the service you requested, we may also use your Social Security Number, if you provide it, for the purpose of validating your self-reported information. Please note that we will not be able to process or fulfill your request without providing your personal information to Clients that match your profile. All Clients in our network have entered into agreements with Top-Rates-USA.com, and are required to comply with federal and state privacy regulations. By submitting your request to Top-Rates-USA.com, you understand that Top-Rates-USA.com, our Clients, and third party service providers may contact you on a recorded line by telephone or mobile device, including SMS and MMS, through automated or prerecorded means, email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. Your consent to be contacted is not required as a condition to purchase a good or service. If a Client contacts you and you wish not to be contacted again by that Client with respect to your inquiry, then you should specifically make a request to that Client to not contact you again. Please note that the Clients may maintain the information you provided whether or not you elect to use their services, and information collected by a Client on their websites is governed by that Client’s terms of use and privacy policy. For a complete list of the Company’s licenses and disclosures, please click here. Environmental Variables. We and our service providers and/or business partners may also collect certain environmental variables, such as computer type (Windows or Macintosh), screen resolution, OS version Internet browser, and Internet browser version. These environmental variables are collected by most browsers, and can be used to optimize your experience on the Website. Cookies and Similar Technologies. To serve you faster and with better quality, we and our service providers may use “cookies” or similar technologies on the Website. Cookies are small bits of code, usually stored on a user’s computer hard drive, which enable a website to ” personalize” itself for each user. Cookies are an industry standard used by many websites, and can facilitate your ongoing access to and use of particular websites. Cookies do not cause damage to your computer systems or files. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking Customer tracking (or “click-stream”) data collected by us is used to optimize your experience by learning whether or not you successfully used the Website. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our business partners’ websites, limited to the activity involved with the completion of offers displayed on our Website. This information is used to monitor the performance of our business partners. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies. Please see your browser’s specific instructions to perform this task. Pixel Tags. We and our service providers may also use so-called “pixel tags,” “web beacons,” “clear GIFs” or similar means (collectively “Pixel Tags”) in connection with some Website pages and HTML-formatted email messages to, among other things, help us better manage content on our Website or emails by informing us which content is effective to compile aggregate statistics about Website usage and response rates and allow us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. A Pixel Tag is an electronic image with a unique identifier, often a single pixel (1×1) that is ordinarily not visible to Website visitors. Pixel Tags are not tied to your personally identifiable information. Pixel Tags allow us to count users who have visited certain pages of the Website, to deliver branded services, to provide online advertising, and to help determine the effectiveness of promotional or advertising campaigns. When used in HTML-formatted email messages, Pixel Tags can tell the sender whether and when the email has been opened. Information That You Voluntarily Provide. We also collect non personal information (such as your geographic location, etc.) when you voluntarily provide such information to us. When such information is not combined with any personal information, such information is considered to be non-personal information, as it does not personally identify you or any other user. Additionally, we may aggregate personal information in a manner such that the end-product does not personally identify you or any other user of the Website, for example, by using personal information to calculate the percentage of our users who have a particular telephone area code. Such aggregate information is considered non-personal information for purposes of this Policy. Please note that if we combine any non-personal information with personal information the combined information will be treated by us as personal information as long as it is so combined. Information Sharing and Disclosure We share personal information about you under the following circumstances: Other Products or Service Requests – If you submit a request for information about a product or service other than insurance, you will be asked to provide your personal information (such as your full name, address, telephone number and email address). The personal information you submit is collected by Top-Rates-USA.com and shared with the particular business provider operating the service or providing the product you requested. Where the service is operated by one of our business providers, the collection, use and disclosure of your personal information will be subject to that business providers’ privacy notice. Our business providers may contact you by telephone, email, or regular mail based on the information you provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of our providers contacts you by telephone and you wish not to be contacted again by that business provider with respect to your inquiry, then you should specifically make a request to that provider not to contact you again. Vendors – We sometimes disclose the information we collect to companies that operate various services for us such as marketing distribution, advertising, processing resumes, or certain product functionalities. These vendors only have access to personal information needed to perform their functions or to complete the transaction you requested, and may not share it with others or use it for any other purpose. Job Postings and Affiliate Providers – We allow for the online submission of resumes and employment related information. Please note that the information (including personal information) collected through the online job application process on the Career section of our website is not subject to this Privacy Notice. However, we want to assure you that information obtained from our job site will be used solely for the purpose of accepting and evaluating your submission for possible employment and the related purposes described on our Career page. Affiliate Providers – We may also collect personal and business information submitted through the “Affiliate Program” section of our website. This information submitted through the “Affiliate Program” is not subject to this Privacy Notice. However, the information obtained through the Affiliate Program will be used solely for the purpose of accepting and evaluating your submission as a possible Affiliate Provider. Subsidiaries, Parent or Sister Companies – We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies to give you more options to your customer requests and provide you better service. For example, we may share your information with ClassesUSA.com or LowerMyBills.com. If you do not want your information shared in this manner, please email us at CustomerCare@Top-Rates-USA.com.com. Aggregate, Non-Directly Identifying Information. We may share aggregated information (i.e., information about you and other customers collectively, but not directly and specifically identifiable to you) and other pseudonymized personal information we collect with third parties, including affiliates to develop and deliver targeted advertising on our Site and on the websites of third parties. If you would prefer that we do not utilize cookies with your website experience, or would prefer to restrict the use of cookies with network advertising providers, please see the “Offering You Choices” section below. As Permitted by Law – We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar legal process. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Top-Rates-USA.com.com’s Terms of Use, or as otherwise required by law. Business Transfer – As with any other business, it is possible that Top-Rates-USA.com in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by Top-Rates-USA.com, including your personal information, customer and business account information, but would continue to be bound by this Notice unless you consent otherwise. You will be notified via email and/or a prominent notice on our Website of any change in ownership or material changes to the uses of your personal information, as well as any changes to choices you may have regarding your personal information. Non-Affiliated Companies: From time to time, we may share your personal information with non-affiliated third parties. For example, we may share personal information to provide a product or service that we feel may be of interest to you. We may also sell or share your personal information to a third party advertiser that will use your personal information for their own marketing purposes. How We Respond to “Do Not Track” Signals – Some web browsers provide a “Do Not Track” feature that sends a signal to websites you visit that you do not want to have your online activity tracked. We do not respond to Web Browser “Do Not Track” signals at this time. Advertisements and Third Party Ad Servers We engage with a third party to either display advertising on our Website or to manage our advertising on other sites. For instance, when visiting a third party website, you may receive a banner advertisement, a “pop up” window advertising Top-Rates-USA.com, or a displayed a text link on the third party site. Please note that such advertisements are served by the third party website that you have visited and are not controlled by Top-Rates-USA.com. In addition, such advertisements may be placed by third party ad servers or ad networks. Our third party providers may use technologies such as cookies and action tags to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by emailing us at contact@top-rates-usa.com. Please note this does not opt you out of being served ads. You will continue to receive generic ads. Tracking Technologies Technologies such as cookies or similar technologies are used by Top-Rates-USA and our marketing providers, display advertising network providers, affiliates, and other campaign performance tracking and analytics service providers, such as Google, Facebook, and Lead Intelligence, Inc. (d/b/a Jornaya), whose privacy policy can be viewed here: https://www.jornaya.com/consumer-privacy-policy. These technologies are used in analyzing trends, administering the site, measuring ad performance, tracking users’ movements around the site (including the capture of visual snapshots of your activity on our site) and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We generally use cookies to reduce the time it takes for pages to load on your computer, to assist with customer tracking, to store the traffic source or marketing campaign that explains how you reached our site and to deliver targeted advertising on our website, websites owned by our sister companies, or websites of third parties. In order to save you time and effort, we may also use cookies in several places on our website to pre-populate or automatically fill out web forms for you when you revisit our website. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. As is true of most web sites, we gather certain information automatically and store it in log files. The information we track may include such information as browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address and number of clicks. We may combine information that we obtain through the use of cookies and third party web analytics services with Personal Information, other aggregate or pseudonymized data, including a unique ID We may assign you. Offering You Choices Marketing Email Options – You may register to receive communications from us directly on our Website or through a third party. Upon registering, we will periodically send you e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to customercare@Top-Rates-USA.com.com (You may also opt-out by clicking on the unsubscribe link in our emails). Third Party Advertisers – Please note that Top-Rates-USA.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. For a complete list of the Company’s licenses and disclosures, please click here. Confidentiality and Security The security of your personal information is very important at Top-Rates-USA.com and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you. When you enter sensitive information (such as a Social Security number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at to customercare@Top-Rates-USA.com.com. Surveys We may provide you the opportunity to participate in surveys on our site. If you participate, we will request certain personal information from you. Participation in these surveys is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code). We use this information for market research purposes and to improve our services. We will occasionally provide pseudonymized aggregated statistics about our users in reports to third parties. These reports will not identify individual users. We may use a third party service provider to conduct these surveys; that company will be prohibited from using our users’ personal information for any other purpose. Third Party Links This Privacy Notice applies to all information that you provide to Top-Rates-USA.com. However, when you visit websites to which Top-Rates-USA.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party′s privacy Notice. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy notices of any other service provider from whom you request services. Social Media Features Our Web site includes Social Media Features, such as the Facebook Like button. This Feature may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy notice of the company providing it. Framing In some cases, we may use third parties to operate portions of the Top-Rates-USA.com website. Although the particular section of the website may have a similar appearance as the Top-Rates-USA.com site, information submitted through these outside third parties are subject to that company′s privacy notice unless otherwise stated. Please refer to the URL of the website or web page your viewing in order to better identify the party operating that website or web page. A Special Note about Children’s Privacy You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information. Removing Your Information We will retain your information for as long as your account is active or as needed to provide you services. If you wish to request that we no longer use your information to provide you services or updates on additional products, contact us at Customer Care. Additionally, we will retain and use your information as necessary to comply with our legal or regulatory obligations, resolve disputes, and enforce our agreements. Upon request, we will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you no longer desire our service, you may update, amend, or ask to have it removed from our mailing lists or production directory by emailing Customer Care, or by contacting us by telephone or postal mail at the contact information listed below. We will respond to your request within 30 calendar days. Questions and Suggestions PRIVACY STATEMENT – CALIFORNIA This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS and applies solely to 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 other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice. 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 consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers 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, Social Security number, driver’s license number, passport number, or other similar identifiers. YES/NO 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, 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/NO 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/NO D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. YES/NO E. 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. YES/NO F. Internet or other similar network activity. Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. YES/NO G. Geolocation data. Physical location or movements. YES/NO H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. YES/NO I. Professional or employment-related information. Current or past job history or performance evaluations. YES/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)). 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. YES/NO K. Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. YES/NO 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: The following are examples. Insert your own sources here. Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services for which they engage us. Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them. Directly and indirectly from activity on our website. For example, from submissions through our website portal or website usage details collected automatically. From third-parties that interact with us in connection with the services we perform. 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 for which the information is provided. For example, if you provide us with personal information in order for us to prepare a tax return, we will use that information to prepare the return and submit it to the applicable taxing authorities. To provide you with information, products or services that you request from us. To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you. To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections. To improve our website and present its contents to you. For testing, research, analysis and product development. As necessary or appropriate to protect the rights, property or safety of us, our clients or others. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. As described to you when collecting your personal information or as otherwise set forth in the CCPA. 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. We will not collect additional categories of personal information or use the personal information we collect for materially different, unrelated, or incompatible purposes without providing you notice. Sharing Personal Information We may disclose your personal information to a third party for a business purpose. 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. 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. We disclose your personal information for a business purpose to the following categories of third parties: Our affiliates. Service providers. Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. In the preceding twelve (12) months, we have not sold any personal information. 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 providers 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 seq.). 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. 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, Deletion, and Opt-out Rights 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 or an authorized representative of the person we collected personal information on. 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. Making a verifiable consumer request does not require you to create an account with us. 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 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, 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. 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. 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. 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 notify you by email or through a notice on our website homepage. Contact Information If you have any questions or comments about this notice, our Privacy Statement, 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 at: