Home You & Your Family Your Retirement Your Business Your Career Resources About PACIFIC ADVISORS PRIVACY NOTICE FOR CALIFORNIA RESIDENTS California Consumer Privacy Act Disclosure Effective Date: January 1, 2020 Last Reviewed on: December 30, 2019 This Privacy Notice for California Residents supplements the information contained in Pacific Advisors Online Privacy Statement https://www.pacificadvisors.com/privacy-statement 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 any terms defined in the CCPA have the same meaning when used in this Notice. Where noted in this Notice, the CCPA temporarily exempts personal information reflecting a written or verbal business-to-business communication ("B2B personal information") from some of its requirements. Sales of Personal Information We do not sell your personal information. 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: Publicly available information from government records. Deidentified 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 (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA); For example, the information that you provide to us when you submit an insurance application with financial and medical information is not covered by the CCPA but is covered by other laws. The specific information that we collect, use and disclose relating to a California resident covered by the CCPA will vary based on our relationship with that individual (e.g. an employee versus an individual submitting a request for information on our Website). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months (note that our employees are considered consumers and some of the information collected applies to employees): Category Examples Collected A. Identifiers. A real name, postal address, online identifier, Internet Protocol address, email address, Social Security number, driver's license number, passport number, or other similar identifiers. Yes 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, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. Yes C. Protected classification characteristics under California or federal law. Age (40 years or older), citizenship, marital status, medical condition, physical or mental disability, sex (including gender, pregnancy or childbirth and related medical conditions), veteran or military status. Yes D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing histories. Yes E. Biometric information. Voiceprints if a voicemail message is recorded. Yes F. Internet or other similar network activity. Browsing history, information on a consumer's interaction with a website or advertisement. Yes G. Geolocation data. Physical location or movements. Yes H. Sensory data. Audio, electronic, visual, or similar information. Yes I. Professional or employment-related information. Current or past job history or performance evaluations. Yes 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, or student financial information. Yes K. Inferences drawn from other personal information. Profile reflecting a person's preferences, characteristics, behavior, attitudes, abilities, and aptitudes. Yes We obtain the categories of personal information listed above from the following categories of sources: Directly from you. For example, from forms you complete as an employee or products and services you purchase. Indirectly from you. For example, from observing your actions on our Website. Use of Personal Information We may use, or disclose the personal information we collect for one or more of the following purposes: To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders. To provide, support, personalize, and develop our Website, products, and services. To create, maintain, customize, and secure your account with us. To process your requests, purchases, transactions, and payments and prevent transactional fraud. To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses. To personalize your social media experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email (with your consent, where required by law). To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business. 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 about our Website users 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. We share your personal information with the following categories of third parties: Service providers. Disclosures of Personal Information for a Business Purpose In the preceding twelve (12) months, Company has 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. Category D: Commercial information. Category E: Biometric Information Category F: Internet or other similar network activity. Category G: Geolocation data. Category H: Sensory data. Category I: Professional or employment-related information. Category J: Non-public education information (per the Family Educational Rights and Privacy Act. Category K: Inferences drawn from other personal information. We disclose your personal information for a business purpose to the following categories of third parties: Service providers. Affiliates Internet cookie data recipients like Google Analytics 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 (see Exercising Access, Data Portability, and Deletion Rights), 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 disclosed your personal information for a business purpose, two separate lists disclosing: 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. 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 (see Exercising Access, Data Portability, and Deletion Rights), 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: 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. We do not provide these deletion rights for B2B personal information. Exercising Access, Data Portability, and Deletion Rights To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either: Calling us at 888-399-3331 Emailing us at: contact@pacificadvisors.com; Attn: Website team Visiting www.pacificadvisors.com Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. To designate an authorized agent, contact us for instructions by using one of the above contact methods. 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, which may include: Matching the identifying information provided by the consumer to the personal information of the consumer already maintained by the business. The type, sensitivity and value of the personal information collected will determine how stringent the verification process will be (i.e. highly sensitive or valuable personal information will warrant a more stringent verification process). The risk of harm to the consumer posed by any unauthorized access or deletion request shall warrant a more stringent verification process. 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 forty-five (45) days of its receipt. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing. 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 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. Contact Information If you have any questions or comments about this notice, the ways in which Pacific Advisors collects and uses your information described here and in the Online Privacy Statement, https://www.pacificadvisors.com/privacy-statement 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: 888-399-3331 Website: www.pacificadvisors.com Email: contact@pacificadvisors.com; Attn: Website Team Postal Address: Pacific Advisors 333 N Indian Hill Blvd. Claremont, CA 91711 Attn: Website Team Contact Pacific Advisors Office: 888-399-3331 333 N Indian Hill Blvd Claremont, CA 91711 contact@pacificadvisors.com Quick Links Retirement Investment Estate Insurance Tax Money Lifestyle All Articles All Videos All Calculators All Presentations Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2021 FMG Suite. Pacific Advisors LLC is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities, LLC (PAS), member FINRA, SIPC. OSJ: 333 N Indian Hill Blvd, Claremont, CA 91711, 909-399-1100. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Pacific Advisors LLC is not an affiliate or subsidiary of PAS or Guardian. Insurance products offered through One Pacific Financial & Insurance Solutions LLC, DBA of Pacific Advisors LLC. Pacific Advisors LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. CA License #0K12914. Important Disclosures | Online Privacy Statement | Website Terms of Use | California Consumer Privacy Notice General Pacific Advisors Inquiries: 1-888-399-3331 or contact@pacificadvisors.com | © 2001-2020 Pacific Advisors LLC. All Rights Reserved. 2020-107475. Exp. 8/22.