We collect information about you in order to better serve you. The information we collect, if it identifies you and is not available to the public, is called "Nonpublic Personal Information." Provided below are a few examples of the information we collect and the sources, but not all may apply to you.
Effective Date: 01/01/2023
This Privacy Notice for California Residents supplements the information contained in Paddio Insurance's Online Privacy Notice https://www.paddioinsurance.com/privacy-policy/ 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 the California Privacy Rights Act of 2020 (CPRA); any terms defined in the CCPA or the CPRA have the same meaning when used in this Notice.
Information We Collect
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information"). Personal information does not include:
Your Personal Information
We do not sell the personal information, or the sensitive personal information we collect. We do not share the personal information, or sensitive personal information, that we collect with third parties for cross-context behavioral advertising. To opt-out of personal information sales or sharing, visit https://www.paddioinsurance.com/ccpa-request/.
In particular, we collect the following categories of personal information and sensitive personal information listed in the tables below. The tables also list, for each category, our use purposes, and whether we sell the information or share it with third parties for cross-context behavioral advertising.
We store your personal information for different lengths of time depending on the category of personal information and the purpose for its collection and use. We will retain your data for as long as needed, or permitted, based on the reason why we obtained it. We will not retain personal information for longer than is reasonably necessary for any disclosed purposes. This means we may retain your personal information even after you close your account with us. Some information may be deleted automatically based on specific schedules, such as financial information. Other information (e.g., account information), may be retained for a longer period of time. Finally, we may further retain information for business practices based on our legitimate business interests or legal purposes, such as network improvement, fraud prevention, record-keeping, or enforcing our legal rights or defending legal claims.
When deciding how long to keep your information, we consider criteria, such as:
The duration, and nature, of any relationship with you or service that we have provided to you;
Whether we are subject to any legal obligations (e.g., any laws that require us to keep transaction records for a certain period of time before we can delete them); or
Whether we have taken any legal positions (e.g., in connection with any statutes of limitation or in response to any legal hold or regulatory requests).
Rather than delete your data, we may de-identify it by removing identifying details.
|Personal Information Category||Business Purpose||Sold or Shared|
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.
|Performing services, providing financial and customer service; providing online products and services; for marketing and advertising purposes; providing customer service; protection against fraud.||No|
|California Customer Records personal information:
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number,
|Protecting against fraud and providing financial services.||No|
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.
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
|Performing services and complying with state and federal law.||No|
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
|Providing online products and services; for marketing and advertising purposes; providing customer service.||No|
Internet or other similar network activity:
Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
|Providing online products and services; for marketing and advertising purposes.||No|
Physical location or movements.
|Detecting security incidents or fraud; debugging mobile application.||No|
Professional or employment-related information:
Current or past job history or performance evaluations.
|Providing financial services.||No|
Inferences drawn from other personal information:
Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
|Providing financial and customer service; for marketing and advertising purposes.||No|
|Sensitive Personal Information Category||Business Purpose||Sold or Shared|
|Government identifiers (social security, driver's license, state identification card, or passport number)||Performing services, providing financial and customer service; providing online products and services; for marketing and advertising purposes; providing customer service; protection against fraud.||No|
|Complete account access credentials (user names, account numbers, or card numbers combined with required access/security code or password)||Providing online products and services; providing customer service.||No|
|Racial or ethnic origin||Performing services and complying with state and federal law.||No|
We obtain the categories of personal information listed above from the following categories of sources:
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.
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following purposes:
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.
Use of Sensitive Personal Information
We may use or disclose the sensitive personal information we collect for one or more of the following purposes, provided that the use of your sensitive personal information is reasonably necessary and proportionate for this purpose:
We will not collect additional categories of sensitive personal information or use the sensitive personal information we have collected for materially different, unrelated, or incompatible purposes without providing you notice.
Disclosing Personal Information
We may disclose your personal information to a service provider or contractor for a business purpose, subject to your right to opt-out of those. 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 or as otherwise permitted by you. 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.
We disclose your personal information with the following
Sales of Personal Information
In the preceding twelve (12) months, Paddio Insurance has not sold 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.
Right to Know Request - 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:
Information we collect or share in our role as a financial institution may not be included in your Right to Know response.
If you request that we disclose the required information beyond the 12-month period, then we shall provide that information unless doing so proves impossible or would require a disproportionate effort. Your right to request required information beyond the 12-month period, and our obligation to provide that information, only applies to personal information collected on or after January 1, 2022.
We do not provide these access and data portability rights for B2B personal information.
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:
1. 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, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
2. Help to ensure security and integrity to the extent the use of the consumer's personal information is reasonably necessary and proportionate for those purposes.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
6. 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.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
We do not provide these deletion rights for B2B personal information.
Right to Correct Inaccurate Information
You have the right to request that we correct any inaccurate personal information that we maintain about you. Once we receive and confirm your verifiable consumer request, we will use commercially reasonable efforts to correct the inaccurate personal information as directed by you. In responding to your request, we will take into account the nature of the personal information, and the purposes of the processing of the personal information.
Right to Restrict Sensitive Personal Information Processing
You have the right to request that we limit our use and disclosure of the sensitive personal information that we have collected about you. Once we receive and confirm your verifiable consumer request, we will:
Exercising California Consumer Rights Requests
To exercise the access, data portability, correction, opt-out, and deletion rights described above, please submit a verifiable consumer request to us by either:
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
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 forty-five (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.
We will deliver our written response by email to the primary email address that you submit with your request.
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.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
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.
If you have any questions or comments about this notice, the ways in which Paddio Insurance collects and uses your information described below and in our Privacy Policies, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: Phone: 855-875-3748
Attn: Customer Service
103A Corporate Lake Drive
Columbia, MO 65203
Paddio Insurance Agency, LLC is licensed in all fifty states plus the District of Columbia.
*Insurance products may be offered by Nationwide Mutual Insurance Company and/or its affiliates, with their principal place of business at One Nationwide Plaza, Columbus, Ohio 43215; Progressive Casualty Insurance Company and/or its affiliates, with their principal place of business at 6300 Wilson Mills Road, Mayfield Village, Ohio, 44143; The Travelers Indemnity Company and/or its affiliates, with their principal place of business at One Tower Square, Hartford, Connecticut 06183; and Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. Availability is subject to location and applicable underwriting standards.