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Trusted Edge Marketing | A Non-Government Entity | Mon–Fri 9AM–6PM EST DNC Policy · CCPA · Opt Out · Terms · Privacy

California Consumer Privacy Act (CCPA) Notice

Last Updated: January 2025

1. Introduction

Trusted Edge Marketing ("Company," "we," "us," "our") respects your privacy rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). This CCPA Notice explains what personal information we collect, how we use it, your rights, and how to exercise those rights.

2. Scope and Applicability

This CCPA Notice applies to California residents whose personal information we collect, process, or maintain. It does not apply to employees, job applicants, or independent contractors, who are covered under separate privacy notices.

3. Categories of Personal Information We Collect

We collect the following categories of personal information from California residents:

  • Identifiers: Name, address, email address, phone number, date of birth, Social Security number (partial)
  • Commercial Information: Insurance plan information, enrollment history, claims data, coverage details
  • Biometric Information: None (unless voluntarily provided for identity verification)
  • Internet/Digital Activity: IP address, browser type, pages visited, referring URL, device identifiers, cookies
  • Geolocation Data: ZIP code, state, approximate location based on IP address
  • Sensory Information: Call recordings (with consent) for quality and training purposes
  • Professional Information: Employment status, income level, occupation (as relates to insurance eligibility)
  • Education Information: None typically collected
  • Inferences: Insurance needs, Medicare eligibility, risk profiles, communication preferences

4. Sources of Personal Information

We collect personal information from the following sources:

  • Directly from you through website forms, calls, emails, and surveys
  • From third-party lead generation services and data brokers
  • From insurance carriers and partner organizations
  • From publicly available sources and public records
  • From cookies and tracking technologies on our website
  • From social media interactions and referrals

5. Purpose of Collection and Use

We use your personal information for the following purposes:

  • To provide insurance quotes and plan comparison information
  • To facilitate enrollment in Medicare Advantage plans
  • To respond to inquiries and provide customer service
  • To conduct marketing and advertising activities
  • To comply with legal and regulatory obligations
  • To analyze website traffic and user behavior (analytics)
  • To prevent fraud and ensure security
  • To communicate about new products, services, and promotions
  • To improve our website and services

6. Sharing of Personal Information

We share personal information with the following categories of third parties:

  • Insurance Carriers: To process quotes and enrollments
  • Lead Generation Partners: For marketing and lead management
  • Service Providers: Analytics, hosting, customer relationship management (CRM), email marketing
  • Government Agencies: As required by law (CMS, Social Security Administration, etc.)
  • Legal Representatives: In response to lawful requests or legal proceedings
  • Advertising Networks: For retargeting and behavioral advertising (CCPA Category: Sale or Sharing)

We do not sell personal information in the traditional sense, but we may "share" information with advertising partners for targeted advertising, which may constitute a "sale" under CCPA.

7. Your CCPA Rights

California residents have the following rights under CCPA:

Right to Know: You have the right to request what personal information we collect, use, and share about you.

Right to Delete: You have the right to request deletion of personal information we have collected from you, subject to certain exceptions.

Right to Opt-Out of Sale/Sharing: You have the right to opt out of the "sale" or "sharing" of your personal information to third parties for targeted advertising.

Right to Correct: You have the right to request correction of inaccurate personal information we hold about you.

Right to Limit Use: You have the right to limit our use of sensitive personal information to purposes reasonably necessary to provide services you request.

Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

8. How to Exercise Your Rights

Submit a Request Online:

Visit our Privacy Rights Request Form to submit your request.

Email:

Send your request to hello@trustededgemarketing.com with the subject line "CCPA Rights Request" and specify your request (Know, Delete, Opt-Out, Correct, or Limit).

Authorized Agent:

You may designate an authorized agent to submit requests on your behalf. The agent must provide written authorization and proof of authority. We may require additional verification.

9. Verification Process

To protect your privacy and prevent unauthorized access, we will verify your identity before responding to your request. We may ask for:

  • Legal name and email address
  • Phone number associated with your account
  • Last four digits of Social Security number (for sensitive requests)
  • Additional verification information as needed

Verification may take 5–10 business days. We will not fulfill your request until your identity is verified.

10. Response Timeline

We will respond to your CCPA request within 45 calendar days. If we need more time, we will notify you of any delay and provide an expected response date (not to exceed 90 days total).

11. Opt-Out of Sale/Sharing of Personal Information

To opt out of the sale or sharing of your personal information for targeted advertising:

We will honor opt-out requests within 45 days and will not sell or share your information with advertising partners after that period.

12. Retention of Personal Information

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, or resolve disputes. Retention periods vary based on:

  • The purpose of collection
  • Legal and regulatory requirements
  • The type of personal information
  • Our business needs

Generally, we retain information for a minimum of 3 years. You may request deletion at any time, subject to legal exceptions.

13. Cookies and Tracking Technologies

We use cookies, pixels, and similar tracking technologies to enhance your experience and gather analytics. You have the right to:

  • Opt out of non-essential cookies through your browser settings
  • Use "Do Not Track" signals (if your browser supports them)
  • Request information about our cookie practices

Note: Disabling cookies may affect website functionality.

14. Sensitive Personal Information

We collect and use the following sensitive personal information:

  • Social Security numbers (last 4 digits only, for identity verification)
  • Insurance and health information (to provide quotes and enrollment)
  • Financial information (income level, assets)

We limit our use of sensitive information to purposes reasonably necessary to provide services you request and to comply with law. You may request that we limit our use of sensitive information.

15. Children's Privacy

We do not knowingly collect personal information from children under 13. Our website and services are not directed to children. If we become aware that we have collected information from a child under 13, we will delete such information promptly.

16. CPRA — Supplemental Rights (Effective Jan 1, 2024)

Under the California Privacy Rights Act (CPRA), California residents also have:

  • Right to Correction: Request correction of inaccurate personal information
  • Right to Limit Use: Limit use of sensitive personal information
  • Right to Delete Opt-Out Preferences: Request deletion of opt-out preferences after 12 months
  • Right to Appeal: Appeal our decision on your CCPA/CPRA request

17. Data Breaches and Security

We implement administrative, technical, and physical safeguards to protect your personal information. In the event of a data breach involving your unencrypted personal information, we will notify you in accordance with California law without unreasonable delay.

18. Third-Party Links and Services

Our website may contain links to third-party websites, services, and applications. We are not responsible for their privacy practices. We recommend reviewing the privacy policies of any third-party sites before providing your personal information.

19. Contact Us for Privacy Questions

For questions about this CCPA Notice or to exercise your privacy rights:

Trusted Edge Marketing
Email: hello@trustededgemarketing.com
Website: www.trustededgemarketing.com
Hours: Monday–Friday, 9AM–6PM EST

20. California Attorney General and Privacy Authorities

If you have unresolved concerns, you may contact:

Last Updated: January 2025. This policy supersedes all previous versions and complies with CCPA and CPRA requirements.

Common Questions About Our CCPA Policy

Have questions about your California privacy rights? Find answers here.

The California Consumer Privacy Act (CCPA) is a privacy law that applies to for-profit entities that collect personal information from California residents. If you are a California resident, this policy applies to you.

We collect information including name, address, email, phone number, date of birth, insurance details, IP address, and browsing behavior. We use this information to provide insurance quotes, facilitate enrollments, and improve our services.

You can submit a "Right to Know" request through our online form, email, or by phone. We will verify your identity and provide you with a list of personal information we have collected about you within 45 days.

Yes, you have the right to request deletion of your personal information, subject to certain legal exceptions. We will delete your information within 45 days of your verified request, unless an exception applies.

This means you can request that we stop sharing your personal information with advertising partners for targeted advertising purposes. You can opt out using the "Do Not Sell or Share My Personal Information" link on our website.

We typically respond within 45 calendar days of receiving your verified request. If we need additional time due to complexity, we will notify you and provide an expected response date (not exceeding 90 days total).

Yes. An authorized agent can submit requests on your behalf, provided they have written authorization and power of attorney. We may require additional verification to confirm the agent's authority.

No. We will not discriminate against you for exercising your CCPA rights. We will not deny services, charge different prices, or provide different quality of service based on your privacy choices.