This CALIFORNIA PRIVACY POLICY supplements the information contained in B4L, LLC’s (“B4L”) Privacy Policy and it applies to all users and visitors of the Website who reside in the State of California. This notice complies with the California Consumer Privacy Act of 2018 as amended, hereto referred to as the “CCPA” which provides certain rights and specific notification information to the residents of California regarding data collection, use, and disclosure practices.
Categories of Personal Information
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 or device. The following is a list of categories of personal information as defined by the CCPA.
| Category | Description | Information Collected |
|---|---|---|
| Identifiers | Includes real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, social security number, driver’s license, or other similar identifiers. | YES |
| Personal Information Categories | Any categories of personal information described in the California Customer Records statute (e.g., name, contact details, social security number, passport information). | YES |
| Protected Classifications | Characteristics of protected classifications under California or federal law, such as race, gender, age, or disability. | NO |
| Commercial Information | Information such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES |
| Biometric Information | Physiological, biological, or behavioral characteristics, like DNA, fingerprints, faceprints, voiceprints, iris or retina scans, and keystroke patterns. | NO |
| Internet or Network Activity | Information related to a consumer’s interaction with a website, application, or advertisement, including browsing history, search history, and information regarding interactions with websites or apps. | YES |
| Geolocation Data | Precise geographic location information about a particular individual. | YES |
| Sensory Data | Audio, electronic, visual, thermal, olfactory, or similar information, such as call recordings or video surveillance footage. | NO |
| Professional or Employment Information | Information related to a consumer’s current or past job history or performance evaluations. | NO |
| Non-Public Education Information | Educational records that are not publicly available, such as grades, transcripts, and other records maintained by an educational institution. | NO |
| Inferences from Personal Information | Inferences drawn from other collected personal information to create a profile about a consumer, reflecting preferences, characteristics, psychological trends, etc. | NO |
Personal Information does not include:
- Publicly available information
- Information available from Government Records
- De-Identified or Aggregated consumer information
- Health and Medical Information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA)
- Personal information covered by certain sector-specific privacy laws such as the Fair Credit Reporting Act (FCRA) or California Financial Information Privacy Act (FIPA)
Sources of Personal Information
We obtain the categories of personal information listed above from several sources, including but not limited to:
- Directly from you when using one of our Websites or when you provide it to create an account.
- Vendors who submit your information to one of our affiliates for financial or insurance assistance.
- Directly or indirectly from various activities on our website or mobile applications (e.g., submitting a message through a communication service or contact form).
- From third parties that interact with us in connection with the independent services they perform on our behalf or for our benefit.
Use of Personal Information
We do not sell the personal information we collect; however, we may disclose your personal information to our affiliates or non-affiliated service providers or contractors. We will not collect additional personal information or use it for materially different purposes without notifying you. Examples of how we use your personal information include:
- Providing information, products, or services you request.
- Sending emails and notices about products or services that may interest you.
- Providing information from our marketplace for products, services, or equipment that may interest you.
- Improving the functionality of the Website.
- Conducting research, testing, and analytics.
- Fulfilling obligations expressed or implied from your use of the Website or affiliated websites.
- Protecting our rights and property, and those of our members, users, and clients.
- Responding to law enforcement requests as required by law.
- Detecting and monitoring security breaches, fraud, or illegal activities.
- As otherwise described when collecting your information or as set forth in the CCPA.
Your Rights and Choices
The CCPA provides California residents with specific rights regarding their personal information. These include:
A. Right to Know/Notice/Access
You have the right to know or be notified that we collect or disclose personal information and how it is used. Upon request, we will disclose:
- The categories of personal information collected.
- The sources of the personal information.
- The business or commercial purpose for collecting it.
- The third parties with whom we share it.
- The specific pieces of personal information collected.
- If sold, the categories of personal information sold and disclosed.
B. Right to Opt-Out
You have the right to instruct us not to sell your personal information. To submit an Opt-Out request, use the contact methods listed below.
C. Right to Correct
You have the right to correct any inaccuracies in your personal information. We will use reasonable efforts to correct any inaccuracies you identify.
D. Right to Delete
You have the right to request the deletion of your personal information, subject to certain exceptions, including:
- Completing the transaction for which the information was collected.
- Complying with a legal obligation.
- Detecting and monitoring for fraud or security breaches.
- Other lawful uses compatible with the context in which you provided it.
E. Right to Non-Discrimination
You have the right not to be discriminated against for exercising your rights under this Policy.
Exercising Your Rights
To exercise your rights under the CCPA, you can submit a request by:
- Emailing us at: compliance@broker4less.com
- Mailing us at:
B4L, LLC
ATTN: CA PRIVACY
14350 N Frank Lloyd Wright Blvd, Suite 16
Scottsdale, AZ 85260
Only you or an authorized agent registered with the California Secretary of State may make a verifiable consumer request. A verifiable request must:
- Provide sufficient information to verify your identity.
- Describe your request with sufficient detail for evaluation and response.
Response Timing and Format
We strive to respond to a verifiable consumer request within 45 days. If we require more time, we will notify you. Responses will cover the 12 months preceding the request and be provided through your account (if available) or by mail or electronically. We do not charge a fee unless the request is excessive, repetitive, or unfounded.
Changes to This Privacy Policy
This Privacy Policy is effective as of January 1, 2025, and will remain in effect until updated. Changes will take immediate effect after posting. Continued use of the Website after changes signifies acceptance. Material changes will be communicated via email or a prominent Website notice.
Contact Us
If you have any questions or concerns about this California Privacy Policy, please contact us at:
- Email: compliance@broker4less.com
- Mail:
B4L, LLC
ATTN: CA PRIVACY
14350 N Frank Lloyd Wright Blvd, Suite 16
Scottsdale, AZ 85260
