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Privacy Policy

Five Star Shield Insurance, cares about our users’ privacy. Please read our privacy policy

carefully. If you have questions, please contact us

at info@fivestarshieldinsurance.com.

How We Handle Your Personal Information

We do not sell information about our current or former clients or their accounts to third parties.

Nor do we share such information, except when needed to complete transactions at your

request or to make you aware of related financial products, services and information that we

offer. We do not share mobile information with third parties for marketing purposes. Measures in place to prevent unauthorized sharing of user data includes, but is not limited to encryption, access controls, and regular audits to ensure data security. 

Change or Delete Information

To change, delete or otherwise update your personal information, please contact us

at info@fivestarshieldinsurance.com. Please note it can take up to seven days for changes to

become effective.

Changes to Policy

Five Star Shield Insurance reserves the right to change, modify or amend its privacy policy at

any time. Any changes will be incorporated into this posted privacy policy and effective

immediately with no further obligation of notification to users. Please review this policy

periodically to ensure you are aware of our most current practices.

PRIVACY NOTICE FOR CALIFORNIA RESIDENTS

This notice supplements the information contained in the privacy policy of Foundation Risk

Partners and its subsidiaries (collectively, “we”, “us”, or “our”) 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 may have collected the following categories

of personal information from consumers within the last twelve (12) months:

• Identifiers, such as name, address and Social Security number;
• Personal information, as defined in the California safeguards law, such as contact
• information and financial
• information;
• Characteristics of protected classifications under California or federal law, such as sex and marital status;
• Commercial information, such as transaction and account information;
• Biometric information, such as fingerprints;
• Internet or network activity information, such as browsing history and interactions with our website;
• Geolocation data, such as device location;
• Audio, electronic, visual, or similar information, such as call and video recordings;
• Professional or employment-related information, such as work history and prior employer;
• Education information, such as school and date of graduation; and
• Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.

We obtain the categories of personal information listed above from the following categories of

sources:

• 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, to submit this information to our clients or their agents in the form of insurance application forms or request for information.
• To provide you with information, products or services that you request from us.
• To provide you with email alerts and other notices concerning our Services, or updates to your insurance application process.
• 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 services 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 collected 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 past 12 months, we may have disclosed the following categories of Personal Information

relating to California residents to third parties for our business purposes:

• Identifiers, such as name and Social Security number;
• Personal information, as defined in the California safeguards law, such as contact information and financial information;
• Characteristics of protected classifications under California or federal law, such as sex and marital status;
• Commercial information, such as transaction and account information;
• Biometric information, such as fingerprints;
• Internet or network activity information, such as browsing history and interactions with our website;
• Geolocation data, such as device location;
• Audio, electronic, visual, or similar information, such as call and video recordings;
• Professional or employment-related information, such as work history and prior employer;
• Education information, such as school and date of graduation; and
• Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.
• To fully comply, we are committed to not transfer consumer data to external organizations for any purpose unless otherwise agreed upon prior to doing so, such as permission to transfer payment information from insurer to Medicare and vice versa. 

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.

When required, we will respond to most requests within 45 days, unless it is reasonably

necessary for us to extend our response time.

Right to Disclosure of Information

You have the right to request that we disclose certain information regarding our practices with

respect to personal information. If you submit a valid and verifiable request and we confirm your

identity and/or authority to make the request, we will disclose to you any of the following at your

direction:

• The categories of personal information we have collected about you in the last 12 months.
• The categories of sources for the personal information we have collected about you in the last 12 months.
• Our business or commercial purpose for collecting 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.
• If we sold your personal information for a business purpose, a list of the personal
• information types that each category of recipient purchased.
• If we disclosed your personal information to a third party for a business purpose, a list of the personal information types that each category of recipient received.

Right to Delete Personal Information

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. If you submit a valid and verifiable request

and we can confirm your identity and/or authority to make the request, we will determine if

retaining the information is necessary for us or our service providers to:

• Complete a 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; and/or
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

If none of the above retention conditions apply, we will delete your personal information from our

records and direct our service providers to do the same.

How to Exercise Your Rights

To exercise the access, data portability, and deletion rights described above, please submit a

verifiable consumer request to us. Consumers have the right to opt out of receiving SMS messages at any time. To opt out, reply 'STOP' to any message received or contact us at either: 

• Calling us at 866-598-2122 or Emailing info@fivestarshieldinsurance.com

Consumers can also opt-in by visiting our website at https://fivestarshieldinsurance/opt-in. 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.

You will not be required to create an account with us in order to submit a verifiable request, though we may communicate with you about your request via a pre-established account if applicable. However, in order to safeguard the personal information in our possession, if we cannot verify your identity or authority to act on another’s behalf, we will be unable to comply with your request. We will only use personal information you provide when submitting a verifiable request to confirm your identity or authority, or to fulfill your request.

Right to Non-Discrimination

You may exercise your rights under the CCPA without discrimination. For example, unless the

CCPA provides an exception, 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; or
• 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 this Privacy Notice

We reserve the right to amend this Privacy Notice at our discretion and at any time. The date this

Privacy Notice was last updated is identified at the bottom of this page. You are responsible for

periodically visiting the Foundation Risk Partners website and this Privacy Notice to check for

any changes.

Contact Information

If you have any questions or comments about this Privacy Notice, our Privacy Policy, 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, you may contact us via email

at info@FiveStarInsurance.com. To stop receiving messages, text STOP, UNSUBSCRIBE, OR CANCEL.

Changes to Policy

Foundation Risk Partners reserves the right to change, modify or amend its privacy policy at any

time. Any changes will be incorporated into this posted privacy policy and effective immediately

with no further obligation of notification to users. Please review this policy periodically to ensure

you are aware of our most current practices.