This policy is specific and applies only to Site visitors who are California residents.

We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties who have received such.

Under the California Consumer Privacy Act of 2018 (“CCPA”), up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. This Privacy Policy contains important information regarding our collection, disclosure, and sale of personal information practices, in addition to instructions on how to exercise your rights regarding your personal information.

We collect, and have collected personal information about web visitors to the Site in the preceding 12 months in the following categories:

We collect the above personal information directly from you via the Site, including from cookies on the Site. We use and store cookies on your computer to facilitate and customize your use of our Site. A cookie is a small data text file, which is stored on your computer's hard drive (if your web browser permits) that can later be retrieved to identify you to us. Cookies make your use of the Site easier, make the Site run more smoothly, and help us to maintain a secure Site. The cookies may collect information about you, such as the referring website address, your IP address, your browser type and version, your Internet service provider, the area code and zip code associated with your server, the time and date of your visit, and the time spent on the Site.

We collect personal information through your clicks on the Site, including whether you indicated a need for a particular service or product featured on the Site, and all personal information that you have submitted through the Site in conjunction with your request. We also collect information on whether you responded to a particular advertisement featured on the Site, and which third party advertisements and links you click through the Site.

The collection of personal information in the category of “Identifiers, or information that identifies, relates to, describes, or is capable of being associated with, a particular individual” is used for the following business or commercial purposes: 1) provide you with the ability to access and interact with the Site; 2) to connect you with the particular services or products featured on the Site which you indicate a need for; and 3) to provide advertising services to you through Facebook and Criteo.

The collection of personal information in the category of “Characteristics of protected classifications under California or federal law” is used for the following business or commercial purposes: 1) tracking consumer interaction with the Site; 2) advertising/marketing services; 3) analytics and internal research; and 4) and verifying or maintaining quality or safety.

The collection of personal information in the category of “Internet or other electronic network activity information” is used for the following business or commercial purposes: 1) provide you with the ability to access and interact with the Site; 2) to connect you with the particular services or products featured on the Site which you indicate a need for; 3) tracking consumer interaction with the Site, detecting security incidents, or protecting against malicious, deceptive, fraudulent, or illegal activity, and debugging to identify and repair errors that affect functionality; 4) advertising/marketing services; 5) analytics and internal research; and 6) and verifying or maintaining quality or safety.

The collection of personal information in the category of “Commercial information” is used for the following business or commercial purposes: 1) connect you with the particular services or products featured on the Site which you indicate a need for; 2) advertising/marketing services; and 3) analytics and internal research.

The collection of personal information in the category of “Inferences drawn from any of the above information to create a profile about a consumer reflecting the consumer's preferences, characteristics, behavior, etc.” is required for: 1) advertising/marketing services; and 2) analytics and internal research.

We have disclosed personal information for a business purpose to third parties within the preceding 12 months in all of the above categories to our third party lead buyers and lead aggregators, including those which are hyperlinked at https://usm.agency/carriers, including whether you indicated a need for a particular service or product featured on the Site, and all personal information that you have submitted through the Site in conjunction with your request. We also disclose personal information in all of the above categories to our third party advertising partners, namely the owners of the brands that are featured on the Site, as well as third party advertising networks. We also disclose personal information in all of the above categories to our third party Service Providers who log user experiences, assist with form population, and perform retargeting. We also disclose personal information in all of the above categories to our third party publishers for the purpose of tracking their clicks/conversions.

In addition to the above, to the extent legally required to comply with applicable laws and regulations, or to respond to a lawful request, or to otherwise protect our rights, we may also disclose any of the above personal information to the requesting governmental agency, entity, or person. As we continue to develop our business, we might sell or buy assets. In such transactions, personal information collected through the Site may be one of the transferred business assets. Also, in the event that we, or substantially all of our assets, are acquired, such personal information will be included within the transferred assets.

Under the definitions of “Sell” and “Sale” in the CCPA, we do not sell your personal information.

A “request to know” is a request related to the personal information that a business has about such consumer. It may include a request for any or all of the following:

1) specific pieces of personal information that we have collected about you;

2) categories of personal information that we have collected about you;

3) categories of sources from which the personal information was collected;

4) categories of personal information that we have sold or disclosed for a business purpose about you;

5) categories of third parties to whom the personal information was sold or disclosed for a business purpose; and

6) the business or commercial purpose for collecting or selling the personal information.

The CCPA permits requests to know from the same consumer up to twice in a twelve (12) month period.

To submit a request to know, please email your request to requesttoknow@usm.agency. To process your request, we will require that you submit your name, email address, and/or phone number in conjunction with your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. We will only use the information which you submit to us in conjunction with your request to know for the express purposes of verification and providing you with responsive information to your request, if required.

You have the right to request the deletion of any personal information which we have collected about you, or which we maintain. To submit a verifiable request to delete, please email your request to requesttodelete@usm.agency. To process your request, we will require that you submit your name, email address, and/or phone number in conjunction with your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for deletion, we may require the following before processing the request: a) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. We will only use the information which you submit to us in conjunction with your request to know for the express purposes of verification and providing you with responsive information to your request, if required.

We utilize a two-step process for online requests to delete, whereby you first submit your request to delete, and second, you separately confirm that you want your personal information deleted.

To the extent that your personal information is necessary for us to maintain for a reason delineated in Cal. Civ. Code § 1798.105(d), including but not limited to complete a transaction for which the personal information was collected, provide a good or service you have requested, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, debug, etc., or to comply with a legal obligation, we are not required to comply with your request for deletion. For instance, we are not required to delete personal information which is necessary to maintain suppression files for those individuals who have opted out of receiving email marketing from us. If we are unable to verify your request, we will notify you as well.

California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. However, a business may offer a financial incentive or price or service difference if it is reasonably related to the value of the consumer's data. A business shall notify consumers of any financial incentive or price or service difference.

If you have any questions or concerns regarding your California privacy rights, or our privacy practices, please email privacyrights@usm.agency, or contact us by mail at 1732 1st Ave #20257, New York, NY 10128. Further, if you have a disability which interferes with your ability to access this policy, accommodations can be made to present the policy in an alternative format, to assist you. If you would like to receive this information in another format that is accessible to your needs (for example: audio, large print, etc.) please email privacyrights@usm.agency.