Last Updated: 07-28-2022

1. INTRODUCTION

AGREEMENT AND PARTIES. Biz To Biz Insurance Solutions LLC. and all of its parents, subsidiaries and affiliates (“Company,” “us,” or “we”) respect the privacy of the users of the my.biztobiz.world and biztobiz.world websites (hereinafter “Websites” or “Sites”), and those individuals with whom we conduct business offline. This privacy policy (“privacy policy” or “policy”) tells you (“You”) what information we collect from you, how we might use it, how you can review or change the personal information you provided to us, how we may change this policy, and the steps we take to ensure that your personal information is protected.

2. AGREEMENT TO TERMS OF PRIVACY POLICY AND TERMS AND CONDITIONS OF USE

If you do not agree with the terms of this privacy policy, our Terms and Conditions, please do not provide us with personal information, and leave this website. The Terms and Conditions of this site are expressly incorporated herein by reference and made a part of this policy.

3. EFFECTIVE DATE OF AND CHANGES TO PRIVACY POLICY

This privacy policy is effective as of 07-28-2022, and will remain in effect except with respect to any of its provisions that are changed in the future, in which case the changes will become effective on the date they are posted on the website or we otherwise notify you of the changes. We reserve the right to change this privacy policy at any time. Changes, modifications, additions, or deletions will be effective immediately on their posting to this site. You should check this policy periodically as its terms may change from time to time. Your continued use of the site after we post any such modifications will constitute your acknowledgment of the modified policy and your agreement to abide and be bound by the modified policy. We will also revise the “last updated” date found at the beginning of this privacy policy when we post changes to it.

4. INFORMATION WE MAY COLLECT

User Data and Personal Information

We may collect the following categories of personal information about you:

CATEGORYEXAMPLESCOLLECTED
A. Identifiers.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.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, 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.YES
C. 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, genetic information (including familial genetic information).YES
D. Commercial information.Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.YES
E. Biometric information.Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.YES
F. Internet or other similar network activity.Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.YES
G. Geolocation data.Physical location or movements.YES
H. Sensory data.Audio, electronic, visual, thermal, olfactory, 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, student identification codes, student financial information, or student disciplinary records.NO
K. Inferences drawn from other personal information.Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.YES

Personal information does not include:

  • Publicly available information from government records.
  • De-identified 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 (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Sources of Information

We obtain this information directly from you and your agents, as well as from affiliates, independent sales representatives,  and third parties, including those to whom you have previously provided data and those to whom you have directed us to obtain information, service providers, and from publicly available sources, like government records, or from information you have made public.

5. USE OF INFORMATION

We use your information to:

  • establish and administer user accounts on our Websites;
  • deliver Websites, mobile applications, content and services to you;
  • carry out our obligations and enforce our rights arising from any contracts between you and us;
  • process payments;
  • perform identity verification;
  • personalize your experience when using the Websites;
  • debug to identify and repair errors that impair existing intended functionality;
  • respond to your inquiries about our services;
  • analyze site usage and improve the services provided through our Websites;
  • deliver to you any administrative notices or alerts and communications relevant to your use of our Websites or our services;
  • detect and protect against errors, fraud, or other criminal activity;
  • fulfill any other purpose for which you provide such information or with your consent;
  • fulfill regulatory or legal obligations; and
  • in connection with a merger, sale, of substantially all of our assets, or corporate reorganization.

We may disclose personal information that we collect to the following:

  • With third party entities, such as insurance companies, with your consent, and for the purpose for which you provided the personal information;
  • With our related entities to perform their everyday business purposes; and
  • With independent agents, contractors, professional service providers, and business consultants that we use to support our business. These third parties are bound by contractual obligations to keep personal information that we share with them confidential and use it only for the purposes for which we disclose such information to them.

6. SHARING OF INFORMATION

We may disclose your personal information to third parties in order to operate, manage, and maintain our business; provide products and services offered by us or independent sales representatives; manage our employees, contractors, and third parties; and accomplish our business purposes and objectives.  In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose: Identifiers, Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)),  Protected classification characteristics under California or federal law, Professional or employment-related information, and Inferences drawn from other personal information.

We may also share your information with other third parties in the following cases:

  • Where disclosure is required or appropriate in order to comply with laws, regulations, legal process, or an agency or governmental request;
  • With law enforcement officials, government authorities, or third parties, if we think doing so is necessary to protect the rights, property, or safety of the Company, users, or the public;
  • To protect the security or integrity of our Websites;
  • To enforce our Terms and Conditions and Terms of Use and as otherwise set forth in this Privacy policy;
  • To respond to an emergency which we believe in good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person;
  • To investigate and defend ourselves or others against any third-party claims or allegations;
  • While negotiating or in relation to a business transaction, such as a merger, sale of assets, or bankruptcy;

In the 12 months preceding the last updated date of this privacy policy, we have not “sold” personal information, including personal information of minors under the age of 18. “Sold” means the disclosure of personal information to a third-party for monetary or other valuable consideration.

7. PROTECTION OF YOUR PERSONAL INFORMATION AND GENERAL INFORMATION

In order to protect both the personal information and the general information that we receive from you through our website, we have implemented various security measures, such as using SSL encryption on pages where personal information is transmitted to us, encrypting stored data, and enforcing internal access controls.

Please keep in mind, however, that whenever you give out personal information online, there is a risk that third parties may intercept and use that information. While we strive to protect your personal information and privacy, we cannot guarantee the security of any personal information you disclose to us.

8. CHILDREN’S PRIVACY – NO USE OF THIS SITE BY PERSONS UNDER 18 PERMITTED

We are not a general audience site, and do not direct any of our content specifically to anyone under 18 years of age. We understand and are committed to respecting the sensitive nature of children’s privacy online. If we learn or have reason to suspect that a site user is under age 18, we will promptly delete any personal information in that user’s account.

9. LINKS TO THIRD PARTIES

For your convenience and to improve the usage of the website we may insert links to third parties on this site. This Privacy policy does not apply to such third party websites. Links that take you outside our service or our Websites are beyond our control. This includes links from partners that may use our logos. The sites those links can take you to have their own separate privacy policy and although we seek to protect the integrity of our site, we are not liable for the content and activities of those sites. Your visits and access to such websites is at your own risk. Please note that those other sites may send their own cookies to users, collect data, or solicit personal information.

10. YOUR CHOICES

In addition to other choices described in this Privacy Policy, you have other choices regarding your information:

Profile Information

If you have created an account, you can update your profile information by logging in and editing your profile. If you need to change the name or social security number associated with your account, please login and submit an E-Form request for “Associate Information Change”.

Text Messages. By providing my cell phone number, I agree to receive text messages at the phone number provided. Msg & data rates may apply. Msg frequency varies. Reply HELP for help and STOP to cancel.

Email Subscriptions. You can always unsubscribe from promotional emails via the link provided in the emails. Even if you opt out from receiving promotional messages from us, you will continue to receive administrative messages from us.

Account Deletion

If you would like to delete your registered account, please log in and submit a “Contracting Request” marked “other” through our E-form system with the text “Terminate My Biz To Biz Account” in the notes. Alternatively, you may email admin@biztobiz.world with the subject line of: “Terminate My Biz To Biz Account”.

If you choose to delete your account, we will delete it for you, but may retain certain information required to process commission payments, resolve disputes, troubleshoot problems, analyze usage of the Websites, assist with any investigations, prevent fraud, enforce our Terms and Conditions, enforce our Terms of Use, or take other actions as required or permitted by law and/or regulations.

11. CONSENT TO TRANSFER

Our computer systems are currently based in the United States, so your personal data will be processed by us in the United States, where data protection and privacy regulations may not offer the same level of protection as in other parts of the world. If you create an account with us as a visitor from outside the United States, by using the Websites, you agree to this Privacy policy and you consent to the transfer of all such information to the United States, which may not offer a level of protection equivalent to that required in certain other countries, and to the processing of that information as described in this Privacy policy.

12. CALIFORNIA RESIDENTS ONLY: CALIFORNIA PRIVACY RIGHTS

The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Your Right to Know and Receive Copies of Your Personal Information

You have the right to know certain information about our collection and use of your personal information over the past twelve (12) months.  Once we receive and confirm your verifiable consumer request, 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 sold or disclosed your personal information for a business purpose, two separate lists disclosing: sales, 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.

Your Right to Request We Delete Your Personal Information

You have the right to request that we delete any of your personal information that we collected from you and retained unless 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, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, 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.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, California residents may submit a verifiable consumer request to us by either:

Logging into your Biz To Biz account and submitting a “CCPA Request” through our E-Form system or calling us at our number: 702-620-4372

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

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.

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.  However, we do consider requests made through your password-protected account sufficiently verified when the request relates to personal information associated with that specific account.

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Pursuant to the CCPA we will attempt 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. 

If you have an account with us, we will deliver our written response to the email address on file with account.  If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Pursuant to the CCPA any disclosures we provide will only cover the twelve (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. 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, deny you goods or services, charge you a different price, or provide you with a lesser quality of goods or services if you exercise any of your CCPA rights.

13. NEVADA RESIDENTS: NEVADA PRIVACY RIGHTS

Nevada law (SB 220) requires website operators to provide a way for Nevada consumers to opt out of the sale of certain information that the website operator may collect about them. We do not sell your personal information to third parties as defined in Nevada law, and will not do so in the future without providing you with notice and an opportunity to opt-out of such sale as required by law. 

14. QUESTIONS OR COMMENTS

CONTACT INFORMATION. If you have any questions or comments relating to our website or the privacy policy, send an e-mail to admin@biztobiz.world or write to: Attn: Privacy Officer 209 S Stephanie St B174, Henderson, NV 89012