ABOUT US
This California Privacy Notice (“California Notice”) supplements the [Apex Insurance Advisors, LLC Privacy Policy] and applies solely to California residents. It explains how Apex Insurance Advisors, LLC (“Apex,” “we,” “us,” or “our”) collects, uses, discloses, retains, sells, or shares Personal Information, as those terms are defined by the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”).
This California Notice is provided for transparency and applies to the extent Apex and the relevant information are subject to the CCPA. Certain information may be outside the CCPA’s scope or exempt under federal or state laws governing insurance, financial services, health information, consumer reports, motor vehicle records, or other regulated information. Where another privacy notice applies to particular information or a transaction, that notice may control.
This California Notice does not apply to Apex employees, former employees, independent contractors, or job applicants. If Apex collects Personal Information in an employment or recruiting context, Apex will provide an appropriate workforce or applicant notice at or before collection.
Apex may collect the categories of Personal Information described below when you visit our website, submit a contact or quote-request form, communicate with us, request insurance or related services, become a client, or otherwise interact with Apex. We use this information for the business and commercial purposes described in this California Notice and our general Privacy Policy.
We retain each category only for as long as reasonably necessary for the disclosed purpose, taking into account our relationship with you; the type and sensitivity of the information; insurance, licensing, tax, legal, and contractual recordkeeping requirements; applicable limitation periods; fraud prevention; dispute resolution; and the establishment, exercise, or defense of legal claims.
The following table describes the categories of Personal Information Apex has collected or may collect. The examples are illustrative; Apex does not necessarily collect every example from every person.
| CCPA category | Examples relevant to Apex | Business or commercial purposes | Categories of recipients |
Identifiers Name, postal address, email address, telephone number, IP address, online identifiers, account or policy identifiers, driver’s license number, Social Security number, and other government-issued identifiers | Responding to inquiries; identifying and communicating with consumers; obtaining quotes; underwriting support; placing and servicing coverage; account administration; security; fraud prevention; legal compliance; and marketing | Insurance carriers, underwriters, reinsurers, wholesalers, managing general agents, claims professionals, service providers, analytics and advertising partners, referral partners, professional advisers, regulators, and authorities
Personal information described in California Civil Code § 1798.80(e) | Signature, physical description, contact information, insurance policy number, employment history, bank or financial information, medical information, and health-insurance information | Evaluating insurance needs; requesting quotes; underwriting support; placing, servicing, financing, or renewing coverage; assisting with claims; verifying information; processing transactions; and meeting legal obligations | Insurance-market participants, payment and premium-finance providers, service providers, professional advisers, regulators, and authorities |
Protected classification characteristics Age, marital status, military or veteran status, disability, medical condition, sex, and other characteristics protected under California or federal law when relevant and legally permitted | Evaluating eligibility and insurance needs; obtaining quotes; underwriting support; placing or servicing coverage; administering benefits; and complying with law | Insurance carriers, underwriters, reinsurers, benefit providers, service providers, regulators, and authorities
Commercial information Insurance products or services requested, considered, or obtained; policy and premium information; property and vehicle information; and transaction, claims, or service history | Providing and improving services; obtaining and comparing quotes; placing and servicing insurance; client support; analytics; recordkeeping; and marketing | Insurance-market participants, service providers, analytics and advertising partners, referral partners, professional advisers, regulators, and authorities |
Internet or other electronic network activity Browsing and search activity on our website, pages viewed, links clicked, referring URLs, device and browser information, cookie identifiers, and interactions with advertisements or emails | Operating and securing the website; analytics; troubleshooting; measuring performance; remembering preferences; preventing fraud; and, when enabled, measuring and personalizing advertising | Website and technology providers, Google Analytics, and, when enabled, Meta and other advertising or measurement providers |
Geolocation data Approximate location inferred from an IP address; location information voluntarily provided in an address or insurance application | Responding to requests; determining service availability; obtaining quotes; underwriting support; fraud prevention; analytics; and legal compliance | Insurance-market participants, service providers, analytics providers, regulators, and authorities |
Audio, electronic, or similar information Telephone call recordings or transcripts, voicemails, emails, form submissions, chat messages, photographs, and documents | Customer service; quality assurance; documenting instructions; training; security; fraud prevention; claims support; and legal compliance | Insurance-market participants, communications and call-recording providers, service providers, professional advisers, regulators, and authorities |
Professional or employment-related information Occupation, employer, business ownership, job title, professional licenses, payroll or workforce information relevant to commercial insurance or employee benefits | Assessing insurance or benefit needs; obtaining quotes; underwriting support; placing or servicing coverage; risk management; and legal compliance | Insurance carriers, underwriters, benefit providers, service providers, regulators, and authorities |
Education information Education or professional-training information when relevant to a requested product or underwriting requirement | Underwriting support; risk evaluation; eligibility verification; and legal compliance | Insurance carriers, underwriters, service providers, regulators, and authorities
Inferences: Preferences, likely interests, risk characteristics, or other inferences drawn from information described above | Tailoring communications and services; evaluating insurance needs; analytics; marketing; and, when performed by a carrier or provider, eligibility, underwriting, or pricing | Insurance carriers, underwriters, service providers, analytics and advertising partners, and referral partners
Sensitive Personal Information: Social Security, driver’s license, state identification, or passport number; account credentials; financial account information with access credentials; precise geolocation if collected; health information; racial or ethnic origin; citizenship or immigration status; and contents of communications when Apex is not the intended recipient | Providing requested insurance or related services; verifying identity; underwriting support; preventing fraud; securing accounts and transactions; processing payments; complying with law; and other uses permitted by the CCPA | Insurance-market participants, payment and premium-finance providers, service providers, professional advisers, regulators, and authorities.
Apex may obtain Personal Information from:
– you or your authorized representative;
– a household member, employer, plan sponsor, referral source, or another party involved in a requested transaction;
– insurance carriers, underwriters, reinsurers, wholesalers, managing general agents, claims administrators, adjusters, premium-finance providers, and other insurance-market participants;
– consumer reporting agencies, motor vehicle departments, government bodies, public records, fraud-prevention services, and identity or data-verification providers;
– medical, benefits, financial, or professional-service providers when authorized or otherwise permitted by law;
– service providers, analytics providers, advertising partners, social-media platforms, and referral or business partners; and
– cookies, pixels, tags, server logs, call-recording technology, and similar technologies used in connection with our website and communications.
Apex may collect, use, or disclose Personal Information to:
– respond to inquiries and provide requested information;
– identify insurance or related products that may meet your needs;
– request and compare quotes, submit applications, place or renew coverage, service policies, facilitate payments, and assist with claims;
– verify identity, information, eligibility, and authority;
– provide customer service and maintain business records;
– operate, secure, analyze, troubleshoot, personalize, and improve our website, communications, services, and business;
– record or review calls after providing any legally required notice or obtaining any legally required consent;
– communicate about services and, subject to law and your choices, conduct marketing;
– measure marketing and, when enabled, support targeted or cross-context behavioral advertising;
– detect and prevent fraud, misuse, unlawful activity, and security incidents;
– comply with legal, regulatory, licensing, contractual, audit, and recordkeeping obligations;
– establish, exercise, or defend legal claims and protect the rights and safety of Apex and others;
– evaluate or complete a merger, acquisition, financing, reorganization, asset sale, or similar transaction; and
– fulfill another purpose disclosed at collection, with your direction or consent, or as otherwise permitted by law.
Based on Apex’s stated practices as of the Effective Date, during the preceding 12 months Apex may have disclosed for a business purpose the categories listed in the table above to the corresponding categories of recipients. Apex does not sell Personal Information in exchange for money.
Apex currently uses Google Analytics. Depending on the technology’s configuration, applicable contractual terms, and California law, disclosure of Identifiers and Internet or electronic network activity to an analytics provider may be considered a “sale” or “sharing” even when no money is exchanged.
Apex has advised that Meta Pixel, other advertising pixels, expanded lead-sharing, email marketing, and related marketing tools are planned but were not yet active as of the Effective Date. Once enabled, those practices may involve selling or sharing, as defined by the CCPA, Identifiers, Commercial Information, Internet or electronic network activity, approximate Geolocation Data, and Inferences with advertising, analytics, social-media, or referral partners. Apex must update this section and activate the required opt-out mechanisms before or when those practices begin.
Apex does not sell Personal Information for monetary payment. However, certain disclosures through analytics, advertising, or referral technologies may constitute “sale” or “sharing” under the CCPA.
California residents may request to opt out of the sale or sharing of their Personal Information by:
– using the Do Not Sell or Share My Personal Information or Manage Cookies link made available on the Apex website;
– disabling advertising or targeting technologies through the website’s cookie-preference tool; or
– contacting Apex using the methods in Section 10.
Where required, Apex will treat a legally recognized browser-based opt-out preference signal, such as Global Privacy Control, as a request to opt out for the browser or device transmitting the signal. Cookie choices and browser signals may be device- and browser-specific.
Apex does not knowingly sell or share the Personal Information of consumers under 16 years of age.
Apex may use or disclose Sensitive Personal Information when reasonably necessary to provide insurance or services requested by a consumer, verify and maintain service quality, process or secure transactions, resist fraud or unlawful activity, ensure physical or information security, comply with law, or carry out another purpose permitted by the CCPA.
Apex does not use or disclose Sensitive Personal Information for the purpose of inferring characteristics about a consumer beyond uses permitted without offering a right to limit. If Apex begins using Sensitive Personal Information for a purpose that creates a right to limit under the CCPA, Apex will provide the required notice and method to exercise that right before the new use begins.
Subject to applicable exceptions and verification requirements, California residents may have the right to:
– Know and access: Request the categories or specific pieces of Personal Information Apex has collected, the sources, purposes, categories of recipients, and information concerning sales, sharing, or disclosures for a business purpose.
– Delete: Request deletion of Personal Information Apex collected, subject to legal and operational exceptions.
– Correct: Request correction of inaccurate Personal Information maintained by Apex.
– Opt out: Direct Apex not to sell or share Personal Information.
– Limit certain uses of Sensitive Personal Information: Direct Apex to limit use and disclosure when the information is used beyond purposes permitted without a right to limit.
– Data portability: Receive eligible Personal Information in a portable and, where technically feasible, readily usable format.
– Non-discrimination: Receive equal service and pricing and not be retaliated against for exercising CCPA rights.
These rights may not apply to information exempt from the CCPA, including certain information governed by GLBA, the California Financial Information Privacy Act, the Fair Credit Reporting Act, the Driver’s Privacy Protection Act, HIPAA, the California Confidentiality of Medical Information Act, or other insurance, financial-services, health, or sector-specific laws.
An authorized agent may submit a request on your behalf as permitted by California law. Apex may require the agent to provide proof of authorization and may contact you directly to verify your identity and confirm that you authorized the request. Apex may deny a request from an agent that does not provide adequate proof of authority.
To submit a request to know, access, delete, correct, opt out, limit, or ask a question about this California Notice, contact Apex through either method below:
– Email: Info@apexinsuranceadvisor.com, with California Privacy Request in the subject line
– Phone: 312-848-6877
Please identify the right you wish to exercise and provide enough information for Apex to understand and respond to the request. Apex will use Personal Information provided with a request only to verify the requestor’s identity or authority and to process the request. Apex may request additional information when reasonably necessary for verification. If identity or authority cannot be verified, Apex may be unable to fulfill the request.
Apex does not currently offer financial incentives, price differences, or service differences in exchange for the collection, sale, sharing, or retention of Personal Information. If Apex introduces such a program, it will provide the notice and obtain any opt-in consent required by California law.
California Civil Code § 1798.83 may permit California residents with an established business relationship with Apex to request information concerning certain disclosures of Personal Information to third parties for their own direct-marketing purposes. Eligible requests may be submitted using the contact information in Section 10 and should include California Shine the Light Request in the subject line.
Apex does not retain Personal Information longer than reasonably necessary for the purpose for which it was collected or processed. Retention periods vary by category and context. Apex considers the duration of the client or prospect relationship, the sensitivity and volume of information, insurance and licensing recordkeeping requirements, legal and contractual obligations, limitation periods, fraud and security needs, and the need to establish or defend claims. At the end of the applicable retention period, Apex will delete, de-identify, or securely dispose of the information, subject to law.
Apex may update this California Notice to reflect changes in its practices, technology, services, or legal obligations. The updated version will be posted with a revised effective date. Apex will provide additional notice or obtain consent when required by law.
If you need this California Notice in an alternative format or require assistance accessing it, contact Apex at Info@apexinsuranceadvisor.com or 312-848-6877.
Apex Insurance Advisors, LLC
8235 Douglas Avenue, Suite 720, Dallas, Texas 75225 Phone: 312-848-6877
Email: Info@apexinsuranceadvisor.com
Website: apexinsuranceadvisor.com
