AGI7 California Resident Privacy Disclosure

At AGI7, our primary mission is to safeguard and enhance the well-being, both personally and financially, of all our valued clientele.

By engaging with, utilizing, or accessing our suite of services, you not only signify your consent to our Terms of Service but also express your agreement with the information practices that are transparently shared and hyperlinked within this platform.

Terms and Definition

In the context of AGI7, certain terms hold particular significance, and it is important to understand their meanings:

“AGI7” or “us” or “our” or “we” pertains to our organization, AGI7, and its associated entities. Please note that this definition does not encompass our parent company, AGI7 or any of its subsidiary companies.

The term “California Resident Privacy Disclosure” or “Disclosure” denotes the amalgamation of the California Privacy Policy and the California Privacy Notice at Collection, which are relevant to our California-based users.

When we mention “Information practices,” we are referring to the various actions concerning the collection, utilization, disclosure, sale, sharing, and retention of personal information.

“Personal Information” or simply “information” signifies data that can identify, relate to, describe, or be reasonably associated with a specific California resident or device.

Throughout this disclosure, the terms “You” and “your” are used to address the California resident who is utilizing our website and services.

In accordance with the California Privacy Rights Act of 2020, other terminology employed in this disclosure, such as “share,” “sell,” and “sensitive personal information,” is used in conformity with their definitions as outlined in the Act.

Scope

This policy delineates our approach to information management and the choices available to you when utilizing our services at AGI7.

Regulations

At AGI7, our commitment to privacy and data security extends to various regulatory frameworks. For those engaging with us to explore, apply for, or secure financial products or services under the Gramm-Leach-Bliley Act (GLBA), we encourage a thorough review of our U.S. Consumer Privacy Notice. Additionally, individuals whose interactions fall under the scope of the California Privacy Rights Act of 2020 (CPRA) should take a moment to peruse our California Resident Privacy Disclosure.

External Parties

This policy is limited to our internal information practices and does not encompass the privacy policies of third-party entities or service providers outside our ownership or control. It also does not extend to our parent company, Prudential Financial, or its various subsidiaries. Different assurance affiliates may have supplementary privacy statements that complement this policy. We want to emphasize that we are not accountable for the information practices of third parties, including those operating websites or services linked through our platform. The inclusion of such links should not be construed as an endorsement by us or our affiliates. When navigating away from our services or interacting with third-party features, it is advisable to familiarize yourself with the relevant party’s privacy policies and terms of service to comprehend their data handling practices.

Furthermore, the data practices of other organizations, such as Facebook, Apple, Google, Microsoft, Bing, or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer, do not fall under our purview. This includes any personal information disclosed directly to or enabled to be shared with other organizations as a result of your device or browser settings during your usage of the apps or social media pages.

Geography

AGI7’s services are primarily designed for residents of the United States. They are not intended to subject us to the laws or regulations of any state, country, or territory outside the United States.

Children

Our services are tailored for individuals capable of exploring, applying for, or enrolling in the financial service products we offer. They are not directed at or intended for minors or children under the age of 16 who are not emancipated. We also do not knowingly collect personal information from minors.

Our Data Handling Practices with Regards to Personal Information

The specific personal information we collect, utilize, divulge, share, or retain regarding your organization will depend on your business relationship and engagements with us.

Data Collection

Based on your affiliations with our organization, there are three primary approaches through which we may gather information:

1. Voluntary submission: You may provide us with information through various means, such as online forms, telephone conversations, or other avenues available through our services, including applications and interactions with our website.

2. Automated technologies: This encompasses information gathered from your devices or computers regarding how you access and engage with our services. This is fundamental to enhancing your experience on our platform and, more significantly, to delivering tailored insights and recommendations, which lies at the heart of our mission at AGI7.

3. Third-party sources: We may acquire information about your organization from external parties and other sources like contracted partners, governmental data repositories, and public data outlets. This may include insurance companies, data brokers, entities providing or selling lists of potential clients, other contracted service providers, government data sources, public data sources, or a duly authorized intermediary. This extends to when you provide information to a third party and consent to sharing that information with us to assist in generating a customized quote for your business.

The subsequent list delineates the types of data we may have gathered in the previous 12 months. It’s worth noting that we may not necessarily collect all the information listed within a specific category, nor do we collect all categories of data for every organization.

The categories of business-related information encompass:

1. Business identifiers, such as the company name, address, email contact, online identifiers, IP addresses, and employer identification numbers.

2. Business data, including contact information, financial details, and other pertinent data.

3. Information Relevant to Business Classification, as per the legal frameworks of California or federal law, such as the organization’s age, industry, and legal status

4. Commercial and transactional information, including transaction data and account details

5. Online and electronic network activity data, such as browsing history, interactions with our website, and digital engagement patterns.

6. Geographical information, like device location

7. Audio, video, electronic, or similar data, including recorded audio and electronic communications

8. Professional and employment-related information, comprising job titles, employment history, and other data necessary for employment verification.

9. Educational details, encompassing educational institutions, degrees conferred, and graduation records

10. Insights Derived from Other Business Information to Create a Profile or Summary of an Organization’s Preferences and Characteristics

11. Sensitive Business Information, denoting data that unveils certain business identifiers, such as:

a. Social security and tax identification numbers

b. Account login or financial data combined with authentication credentials

c. Business demographics

d. information gathered and analyzed pertaining to the organization’s financial health.

Data Utilization

The majority of our data handling practices pertain to delivering financial products and services that are not subject to the California Privacy Rights Act (CPRA). Nevertheless, certain aspects of our data practices fall under CPRA jurisdiction, including marketing, advertising, and enhancements to your experience and our services.

We may utilize business-related information concerning California businesses for one or more of the following business and commercial objectives:

Tailoring services for your organization: We employ the information we gather to provide customized services, including offering quotes, processing transactions, maintaining and servicing your account or policy, and delivering customer support. Additionally, we may collect information when acting as a service provider on behalf of financial service providers, such as insurance carriers and financial institutions. Many of the products we offer are intricate, and clients rely on us to assist them in finding the best fit for their needs and objectives. The data we collect provides us with a deeper understanding of your organization, enabling us to help you discover the right product.
Enhancing and troubleshooting our services: We continually strive to improve our services. The information we collect may be employed for internal research and analysis, encompassing data analytics, modeling, and recommendation services. Furthermore, the data collected aids us in enhancing the user experience, the intended functionality of our services, and our real-time matching of clients to product recommendations. For instance, in some instances, we may employ information you’ve provided, even if you haven’t completed the online process, so that when you return to the website, this information is pre-filled for your convenience.
Detecting, investigating, and preventing fraudulent, abusive, or malicious activities: We respect your privacy and security, and hence, we may use the information we collect to detect, investigate, prevent, or take action against incidents, threats, and misuse of personal data, your business’s information, or our systems. This includes suspected theft, fraud, malicious, deceptive, or illegal activities, or violations of our policies. Consequently, we may also use the information we collect to verify your organization’s identity.
Communication and advertising: Part of delivering personalized service is swiftly connecting you with professionals who can guide you through your service options, relaying information on topics of interest, marketing, and advertising, and responding to your inquiries and requests. For example, if you provide your contact details and consent to being contacted, we may reach out to connect you with one of our licensed insurance agents. We may also send messages via text and email, including information on how to contact us, personalized marketing communications, details on your journey, offers, and other information related to your financial services inquiry.
Compliance with legal obligations: Our operations fall within a regulated sector, and, as such, we reserve the right to access, use, maintain, transfer, or disclose information related to your utilization of our services, as reasonably necessary and without prior notice, to comply with applicable laws, respond to complaints, legal actions, or governmental requests, enforce our terms of service, safeguard our rights, privacy, safety, or property, or address similar matters. We may also employ third-party services to document your interactions on our website to assist in fulfilling our compliance and legal duties.
Corporate transitions: In the course of corporate changes, we may employ, disclose, and transfer information about your organization to a third party as part of, or in anticipation of, changes in ownership, reorganization, corporate alterations, or asset sales or transfers.

AGI7 does not knowingly use, share, or disclose sensitive business information as defined by CPRA for purposes other than those permitted under CPRA.

Information Sale, Sharing, and Disclosure

We collaborate with numerous partners to deliver financial products and services and, therefore, share information with these partners.

The ensuing list identifies: (i) the entities with which we may sell, share for cross-context behavioral advertising, or disclose information; and (ii) the purposes related to your use of our services:

Disclosure to our business and financial service partners to provide and enhance our customized services This encompasses business partners such as software and internet service providers, communication services, data brokers, data analytics providers, marketing firms, and fraud prevention services. It also extends to financial service partners like insurance carriers and agencies, financial service providers, and payment processors.
Disclosure to third-party service providers acting on our behalf This includes insurance agencies, agents, and financial professionals; legal and compliance service providers; and process outsourcing companies.
Sale or sharing of information with advertising networks, social media networks, and marketing affiliates. We may sell and share your information with these entities to communicate about our services, including joint marketing.
Disclosure to a third party as part of a corporate transition: We may disclose and transfer information about your organization to a third party, such as our parent company, Prudential Financial, or its partners, as part of, or in preparation for, a change of control, restructuring, corporate shift, or sale or transfer of assets.
Disclosure to a third party for legal reasons: We retain the right to transfer or disclose information about your organization to third parties for specific legal purposes, as described above.

The following table outlines the categories of business-related information related to AGI7‘s sale, sharing, and disclosure practices in the past 12 months that may be subject to CPRA.

	Disclosure of information				Sale or Share of Information
Categories of Personal information	Business and Financial Service Partners	Service Providers	Corporate Change Third Parties	Legal Third Parties	Advertising Social Media and Marketing Third Parties	Third-party Partner
Identifiers	X	X	X	X	X	X
Personal Data	X	X	X	X	X	X
Protected Class Information	X	X	X	X	X	X
Commercial Transaction Information	X	X	X	X	X	X
Online Usage information	X	X	X	X	X	X
Geolocation Information	X	X	X	X	X	X
Audio/Video Information	X	X	X	X		X
Professional/ Employment Information	X	X	X	X		X
Sensitive Personal Information	X	X	X	X		X
Inferences drawn from personal information	X	X			X

Data Retention Policy

At AGI7, we adhere to strict data retention practices, ensuring the secure and responsible handling of personal information. Our data retention policies are aligned with applicable regulations and the specific purposes for which we collect and use the data.

Our criteria for determining data retention periods encompass several key factors, including:

1. Duration of Customer Relationship: We retain data for the duration of our ongoing relationship with you and as long as we continue to provide the products and services you’ve requested. This allows us to offer uninterrupted support and services tailored to your needs.

2. Legal Obligations: When we are subject to legal obligations that require data retention, we ensure compliance with relevant laws and regulations. This includes the retention of data as mandated by government or industry-specific requirements.

3. Contractual Commitments: In cases where we have contractual obligations with you or other parties, we retain data in line with these agreements. This ensures that we meet the terms and conditions outlined in our contracts and provide the expected level of service.

4. Legal Position: We assess the advisability of retaining data in consideration of our legal position. This evaluation is crucial for safeguarding our interests and protecting the rights of all parties involved.

At AGI7, we take data privacy and security seriously. Our data retention policy reflects our commitment to handling personal information responsibly and in accordance with the law. If you have any questions or require further information about our data retention practices, please do not hesitate to get in touch with our dedicated team.

Your Consumer Rights

In the realm of AGI7, we acknowledge and respect the rights of our business partners. These rights pertain primarily to information covered under CPRA (California Consumer Privacy Act) and do not extend to data we collect for professional, corporate, or commercial purposes, as well as any data related to long-term business relationships or individual insurance products. Such data falls under the purview of specific state and federal regulations detailed in the “Scope” section of this Disclosure.

Nonetheless, we uphold your right to be free from any form of unjust discrimination or retaliation for asserting your CPRA-related rights.

In general, if you wish to submit a request, please don’t hesitate to email us at policy@AGI7.com.

The Right to Know and the Right to Delete

Request to Know: You possess the prerogative to request information regarding the personal data we have accumulated since January 1, 2022, which falls under the jurisdiction of CPRA. This encompasses:

1. Categories of personal information.

2. Categories of sources from which we’ve collected personal information.

3. The business or commercial rationale behind collecting, sharing, or selling personal information.

4. Categories of third parties with whom AGI7 has shared personal information.

5. Specific pieces of certain personal information gathered by AGI7.

It’s important to note that, in the interest of safeguarding privacy, we do not disclose specific pieces of Sensitive Personal Information, as defined above in the Categories of Personal Information collected.

Request to Delete: If you wish, you can request the removal of personal data subject to CPRA that we have on record.

To submit either of these requests, you can reach out to us through the following methods:

1. Email us at: policy@AGI7.ai

Once you’ve submitted your request, we will scrutinize the details provided in comparison to the data stored in our systems, ensuring your identity and relationship with us are verified. In certain situations, we may contact you for supplementary information to validate the request, or to inform you if it will take more than 45 days to respond. In such instances, we will provide a response within 90 days of receiving your request.

You can expect to hear from us at policy@AGI7.ai.

The Right to Rectify Inaccurate Information

If you discover inaccurate information concerning your business within our records, we are committed to correcting it. This service is extended to all our business associates, not solely those in California.

Once your request is submitted, we will review and authenticate your identity and the accuracy of the information proposed for modification. However, it’s essential to note that we may deny a request for correction if, upon careful consideration of the circumstances, we determine that the contested Personal Information is likely accurate.

The Right to Opt-out of Data Sharing and Sales

You possess the option to request that we cease the sale or sharing of your business-related data for cross-contextual behavioral advertising, which pertains to data exchange aimed at delivering more targeted advertising across various platforms and over time.

To initiate this request, please follow these steps:

1. Please email us at policy@AGI7.ai

2. Adjust your browser or device settings to transmit an opt-out preference signal known as Global Privacy Control (GPC). For detailed information on GPC and access to browsers and extensions that facilitate communication of your privacy preferences, please visit: https://globalprivacycontrol.org/.

When we process a global privacy signal, we will honor the request concerning the data collected on that specific device during your session. However, it’s important to note that we may not be able to connect a browser or device-based preference signal request to all the business-related data we have associated with you.

Rest assured, AGI7 will not contact you for authentication or verification in connection with this request.

Requests by Authorized Agents

If you are a business partner located in California, you have the option to authorize an agent to act on your behalf and make CPRA rights requests. The authorized agent can submit a request by emailing us at policy@AGI7.ai.

In such cases, when an authorized agent represents a California business partner, we may:

1. Verify that the authorized agent is registered with the California Secretary of State to conduct business in California.

2. The California business partner must give written permission to the authorized agent, indicating that they are okay with the agent acting on their behalf. “Signed” means either a physical signature or an electronic signature in line with the Uniform Electronic Transactions Act, Civil Code 1633.7 et seq.

3. Verify the identity of the California business partner as we would if the partner were making the request themselves.

4. Obtain confirmation from the California business partner that they granted the authorized agent permission to make the request.

Limiting or Declining Requests

Please be aware that we may decline to fulfill your request, whether in part or in full, under certain circumstances, such as:

When the information is governed by specific state and federal laws that fall outside the scope of CPRA rights requests, such as the GLBA (Gramm-Leach-Bliley Act) or HIPAA (Health Insurance Portability and Accountability Act),
If we are unable to identify you within our systems,
When we cannot confirm that the personal information we maintain is linked to you,
When we cannot verify your identity or your authority to make requests on behalf of another business partner (this pertains specifically to access, deletion, and correction requests),
When we are obliged to retain the information due to record retention requirements or compliance with other legal obligations.
When the disclosure of business-related information would adversely affect the rights and freedoms of another business partner.

We are committed to safeguarding your business data and ensuring your rights are respected in accordance with applicable regulations and laws.

Modifications to this Disclosure

This Disclosure is currently in effect as of January 2023. We maintain the authority to revise this Disclosure at our discretion. The date of the most recent update will be duly noted. All modifications shall take effect on the day of their publication. Your continued use of our services after these revisions will be considered as your acknowledgment and acceptance of the changes.

Get in Touch

Thank you for taking the time to peruse this information. If you have any inquiries about this disclosure or data procedures at AGI7, please don’t hesitate to reach out to us via email at privacy@AGI7.ai.

Annual Transparency Report for Consumer Rights

Our yearly transparency report offers insights into the number of data requests we receive and the timeliness of our responses. It is important to note that this report does not contain any personal information and is a mandated requirement under the CPRA. AGI7 will make this report available each year by July 1st.