Privacy Policy

Last Updated: April 2025
 
Affluent Ads LLC, a New Jersey limited liability company (“Affluent,” “we,” “our” or us”) is the owner and operator of this website. Affluent is concerned about privacy issues and wants you to be familiar with how we collect, use and disclose information. This Privacy Policy describes our practices in connection with information that we collect through this website and other insurance-related websites owned and controlled by us which display or link to this Privacy Policy (each a “Site” and collectively, the “Sites”). By using our Sites, you agree to the terms and conditions of this Privacy Policy.

This Policy does NOT apply to the practices of third parties or other companies and persons that Affluent does not own or control or to persons that Affluent does not employ or manage. We reserve the right to change the terms of this Privacy Policy at any time. When we make changes, we will revise the “last updated” date at the top of the Privacy Policy and post the changed policy on the Site. If there are material changes to this Privacy Policy or in how Affluent will use your personal information, we will notify you by prominently posting a notice of such changes here or on our homepage. Your provision of any information on or through the Site following such notification shall constitute your consent to the collection, disclosure and use of such information in accordance with the changed Privacy Policy. Accordingly, we encourage you to review this Privacy Policy whenever you visit the Site in order to familiarize yourself with the most recent version. Furthermore, Affluent retains its right to offer new lines of business and, if and to the extent it does so, may display a different privacy policy to the consumer for such lines of business.
 
European Union Residents

If you reside in a country in the European Economic Area or in Switzerland, then information we collect from you may be subject to Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (the “GDPR”) and the following additional information is provided for your benefit. The controller of the personal data collected through the Site is:

Affluent Ads, LLC 2093 Philadelphia Pike #2092 Claymont, DE 19703 USA [email protected]

If you use the Site, you acknowledge that your personal data is being processed on the basis of your consent and that information gathered through the Site may be transferred to, and used and stored in, the United States.

You hereby consent to the processing of your personal data as described in this Policy, including the transfer of your personal data to, and its use and storage in, the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. You may withdraw your consent at any time by following the instructions in the Accessing/Updating/Deleting Your Personal Information section below, but this will not affect the lawfulness of processing based on consent before its withdrawal. However, if you withdraw your consent or decline to provide personal data to us, you may be unable to use the Site. You have the right to file a complaint relating to the processing of personal data with a supervisory authority.

Information We Collect

The following is a summary of the types of personal and non-personal information we may collect from or about Site users.

Site Users and Voluntarily Provided Information. We collect personal information on the Site when you utilize the Site (referred to herein as a “Site User”) or otherwise choose to provide personal information to us, such as through our contact form. Personal information is any information that can be used to identify or locate a particular person or entity. This may include, but is not limited to: personal name (first and last) and business entity name and/or title with the applicable business entity, as well as your personal and/or business e-mail address, mailing address, business, personal and/or mobile telephone numbers, fax number, and/or any other information requested on the applicable Affluent Site. Additionally, we may collect email, phone call, and messenger/chat content if you choose to communicate to us.

We also may collect certain technical and usage information from Site Users, such as information typically contained in a web server’s log files or analytics program, including without limitation: IP address, browser type and version, operating system, geographic location, referral information, click-stream data, device identifier, unique identifier, HTTP header, including referral URL, etc. Unless otherwise required by applicable law, such as the GDPR, we treat this information as non-personal information. For additional detail about these practices, please see the section below entitled “Site User Behaviors Collected With Cookies, Web Beacons and Other Web Technologies.” Furthermore, we may collect server and individual activity information so that we can provide our products and services to Site Users. Affluent may also collect information from Site Users when you voluntarily provide it to Affluent through other means (for example, by signing up for an email newsletter, filling out a registration offer, or by other means of online or offline surveys, order forms, or registration pages operated by Affluent or third parties (collectively, a “User Form”). In a User Form, Affluent or a third party may offer you incentives in exchange for registration or providing information about yourself, such as name, email address, street address, zip code, telephone numbers, birth date, gender, occupation, and employment information (together, “User Information”). Completing the User Forms is voluntary and you are under no obligation to provide User Information.

Site User Behaviors Collected with Cookies, Web Beacons, and Other Web Technologies. Affluent uses cookies, web beacons and other web-based technologies to associate certain Internet-related information about you, such as your IP address and what web browser and operating system you are using, with certain of your online behaviors, such as opening or clicking on particular content or visiting a particular page on the Site. Additionally, Affluent may use other new and evolving sources of information and information gathering in the future (together with cookies, web beacons and similar technologies, “Web Technologies”). We may use Web Technologies to collect certain information about individuals to help us ensure that the content we serve are targeted. For example, we may collect, without limitation, information related to content that were delivered to you and that you clicked on, along with your browsing behavior and other click-stream data. Information collected through Web Technologies is referred to below as “Technology Information.” Unless otherwise required by applicable law, such as the GDPR, we treat this information as non-personal information.

(a) Cookies. A cookie is a small amount of data stored on the hard drive of your computer that allows your computer’s browser to store your preferences and allows Affluent to identify your IP address with corresponding information in Affluent’s database. Cookies, by themselves, do not tell us your email address and similar individual identifying information, but may contain such information as date and time of your website visit, session identification number and registration information. We use cookies to understand Site usage and to improve the content and offerings on the Site.

You may set your browser to warn you that cookies are in use, or to block the use of certain cookies. Most browsers are set to accept cookies. If your browser is not set to accept cookies, certain uses of the Site may require you to go to your browser user preferences to enable cookies. Each browser is different, so check the ‘‘Help’’ menu of your browser to learn how to change your cookie preferences. If you change computers, operating systems or browsers, or use multiple computers or browsers, you will need to repeat this process for each computer and each browser. To find out more about cookies, please visit www.cookiecentral.com.

(b) Web beacons. A web beacon is programming code used to display an image on a web page and can also transfer an individual’s user identification to a database and associate the individual with previously acquired information about the individual. Web beacons enable us to track certain websites you visit or content you view online. Web beacons help determine products or services in which you may be interested and help track online behaviors for marketing purposes. More information about web beacons is available at http://www.webopedia.com/TERM/W/Web_beacon.html.

(c) Where Technology Information is Collected. Technology Information may be collected directly from the Site or through Affluent-delivered marketing materials.

(d) Outside Information. Affluent may lawfully receive information about you from third parties, such as information located in public databases.

(e) No Information Collected from Children Under 18. Please be advised that we do not knowingly solicit or collect personal information from children under age 18, nor do we knowingly market our products or services to children under age 18. If we become aware that a child under age 18 has provided us with personal information, we will delete it from our database. If you are a parent or legal guardian and believe that your child has provided us with personal information without your consent, please contact us at [email protected].

How We Use Your Information

We may use Personal Information:

When you request, to connect you with vendors who will provide you with information about products and services.

When you’ve submitted Personal Information to us that includes your telephone number (which submission you understand and agree to constitute making an “inquiry” to us and our affiliated entities), to contact you or allow our vendors to contact you via telephone for a limited period. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state). By including your telephone number and/or email address in any submission, you are extending an express invitation and providing your express written consent to us and each vendor you have been matched with (i) to contact you by telephone at the numbers you have provided (including through auto-dialed, pre-recorded, artificial voice and/or text messages) so we or they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, and (ii) to contact you by email at any email address you provided. You understand that you are not required to provide your consent as a condition of purchasing any goods or services. You represent that all of the information you have provided in your submission is true and complete. By submitting your Personal Information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that Affluent has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act). If you do not wish to continue to receive, marketing communications or updates, you may indicate this preference by following the “unsubscribe” or “opt-out” instructions included within each email communication, or by other written request to Affluent.

When you begin to submit Personal Information on a form and then abandon the form, to contact you to see if you would like to complete your submission at a later date and to help you do this.

To respond to your inquiries and fulfill your requests, such as to send you newsletters. to send you important information regarding the Sites, changes to our terms, conditions and policies and/or other administrative information.

To send you surveys and marketing communications that we believe may be of interest to you.

To personalize your experience on the Sites by presenting advertising, products and offers tailored to you.

To allow you to send messages to a friend through the Site. By using this functionality, you are telling us that you are entitled to use and provide us with your friend’s name and email address.

For our business purposes, such as data analysis, audits, developing new products, enhancing our Site, improving our services, identifying usage trends and determining the effectiveness of our promotional campaigns.

If you purchase a product or service from us, to complete and fulfill your purchase, for example, to have your payments processed, communicate with you regarding your purchase and provide you with related customer service.

How Personal Information is Disclosed

Your Personal Information may be disclosed:

to our affiliates for the purposes described in this Privacy Policy. Affluent Ads LLC is the party responsible for the management of the jointly-used Personal Information.

to our third party service providers who provide services such as contact information verification, payment processing, order fulfillment, customer service, website hosting, data analysis, infrastructure provision, IT services, email delivery services, auditing services and other similar services to enable them to provide such services.

if you request information from vendors so that they (or so that third parties who provide similar services) can provide you with information about their products and services. For example, when you choose to get a quote for or request more information for insurance, the Personal Information you provide about yourself is shared with relevant third parties necessary to fulfill your request. We may share this information with insurance agencies, insurance brokers, and insurance companies, as well as, in some cases, with third-party finder and lead aggregator companies who will pass along your information to help fulfill your request. When you make an inquiry about an insurance quote, by entering your Personal Information and clicking on the “Submit,” “Get Quotes” or any similar button, you are authorizing the sharing of your inquiry and your Personal Information with other businesses who provide, market or find insurance products or services that match your inquiry. Insurance institutions and other companies who subscribe to our services compete for the opportunity to provide insurance products and services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by email and telephone with information about financial or insurance products or services they offer that match your inquiry. We are not responsible or liable for these third parties’ use of your Personal Information.

if you choose to send messages through the Sites, to identify you as the sender to the recipient indicated by you. We will ask you for such recipient’s name and email address and we store both email addresses for the purpose of sending such message.

by you, on message boards, chat, profile pages and blogs and other services to which you are able to post information and materials. Please note that any information you post or disclose through these services will become public information, and may be available to visitors to the Sites and to the general public.

by you, if you have provided a testimonial about a Site and given us permission to post that testimonial on the Site.

to a third party in the event that Affluent goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, or in the unlikely event of a bankruptcy; in any of these circumstances your Personal Information will likely be among the assets transferred. You will be notified via email or prominent notice on this website for thirty (30) days of any such change in ownership or control of your Personal Information. as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.

How We Use and Disclose Non-Personal Information

Because Non-Personal Information does not personally identify you, we may use and disclose Non-Personal Information for any lawful purpose; however, without your affirmative express consent, we will not share with third parties (or permit third-party advertising networks to collect on the Sites) your information of a sensitive nature (such as information about your disease conditions or information about your precise physical location) combined with a device-specific identifier (like your IP address) so that they can target ads to you on multiple websites or track your Internet behavior over time. In some instances, we may combine Non-Personal Information with Personal Information (such as combining your name with your geographical location). If we combine any Non-Personal Information with Personal Information, the combined information will be treated by us as Personal Information as long as it is combined.

How Do We Use and Disclose IP Addresses?

We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, geographic mapping and administering the Sites. We may also use and disclose IP Addresses for all the purposes for which we use and disclose Personal Information. Please note that we treat IP Addresses, server log files and related information as Non-Personal Information, except where we are required to do otherwise under applicable law.

THIRD PARTY SITES This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any website to which one of our Sites contains a link or a widget. The inclusion of a link on one of our Sites does not imply endorsement of the linked site by us or by our affiliates. We may also utilize framing techniques that may make it appear that you are still on one of our Sites when you are actually on a third party web site.

THIRD PARTY PARTNERS AND VENDORS We also work with vendors and partners in operating and improving the Sites. These vendors and other partners include advertisers (including both banner and text advertising), advertising networks and web analytics companies. These partners and vendors use cookies, web beacons and other technologies to collect Non-Personal Information about your online activity (e.g., the sites and pages you have visited at the Sites and at times other third party sites) in order to: help manage ad campaigns, understand user interests and trends and deliver personalized content and advertising to you while you are on the Sites or on other sites. Please note that, although third-party advertising networks and other marketing partners are not permitted to collect (through cookies or otherwise) Personal Information you submit on our Sites, we have no access to or control over third-party cookies and so our Privacy Policy does not cover how these third parties may disclose and use the Non-Personal Information they collect. You can opt out of some of our vendors’ and partners’ use of cookies and other technologies to tailor personalized content or advertising to you by visiting http://networkadvertising.org/optout_nonppii.asp. Please note that if you delete all cookies, the opt-out cookie may be deleted and you will need to perform the opt out again. For more information, see http://www.networkadvertising.org/managing/faqs.asp#question_11.

Our Sites may include social media features, such as the Facebook Like or Tweet This button. These features may collect your IP Address, which page you are visiting on our Sites, and may set a cookie to enable the feature to function properly. These features are either hosted by a third party or hosted directly on our Sites. Your interactions with these features are governed by the privacy policies of the companies providing them. PLEASE NOTE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS AND/OR OMISSIONS OF THIRD PARTY PARTNERS AND VENDORS.

Security

We know it takes confidence and trust to share personal information online. We endeavor to keep your confidence and maintain your trust by protecting your personal information. To that end, we maintain reasonable standards of security and confidentiality. Affluent’s computers have security measures, such as firewalls, to protect against the loss, misuse and/or alteration of the information under Affluent’s control. Affluent also maintains physical and procedural safeguards to protect information under our control and to restrict access to those employees and agents who have a need to know in order to provide services to you and/or operate our business.

Notwithstanding such measures, Affluent cannot guarantee that its security measures will prevent its systems and computers from being illegally accessed and the individual information on them stolen or altered. Despite our efforts, as with most Internet sites and businesses, it is possible that third parties may unlawfully intercept or access transmissions of private communications and/or unlawfully gain access to protected computers. No method of data collection, transmission or storage is 100% secure, and we cannot warrant such absolute security. Whenever you provide personal information online, you accept this risk, including when you share your personal information with us and our affiliated entities.

Notwithstanding these inherent risks, we make a concerted good faith effort to ensure that your personal information is protected by maintaining the reasonable standards of security and confidentiality mentioned above.

Accessing/Updating/Deleting Your Personal Information

If you would like to delete or update the personal information that we have collected from you, simply send your request via e-mail to [email protected]. Additionally, if your personal information is subject to the GDPR, you may have certain additional rights, including the right of restriction of processing of personal data, the right to object to processing of personal data, and the right to data portability. Please send e-mail to privacy @coveragedays.com for more information.

We will process your request, where possible and subject to the terms and conditions contained herein, within a reasonable period of time after receipt. We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backups), or for which access is not otherwise required. To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.

To unsubscribe from Affluent or affiliate email lists, click the link included in the footer of any message delivered by Affluent or an affiliate and follow the instructions provided, or contact us in writing. It may take up to 10 business days for us to fully process an opt-out request. Please note that opting out of receipt of marketing e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you may have to change your preferences directly with that third party.

Notwithstanding the foregoing, even if you unsubscribe from marketing emails, we may continue to contact you for the purpose of communicating information relating to your use of the Site and Affluent’s products or services, as well as to respond to any inquiry or request made by you.

If you do not request that we delete your personal information, we will retain it pursuant to our internal data retention and deletion practices as dictated by valid business and legal reasons for retaining such information. For example and without limitation, personal information provided to us by Site Users will be retained as long as such Site Users continues to communicate with us, and personal information relating to advertisers or publishers of our network will be retained as long as such individuals maintain an account with our advertising platforms, or as required under the applicable commercial agreements between Affluent and those individuals.

Our sharing of your Personal Information with unaffiliated third parties for their marketing purposes: If you would prefer that we do not share your Personal Information on a going-forward basis with unaffiliated third parties for their marketing purposes, you may opt out of this sharing by contacting us at as further explained in “How you can access, change or suppress your Personal Information” below and requesting that we suppress all of your Personal Information on a going-forward basis. Please note that if you opt out of such sharing, we will not be able to remove your Personal Information from the databases of third parties with which we have already shared your Personal Information (i.e., to which we have already provided your Personal Information as of the date that we implement your opt-out request). If you wish to cease receiving marketing-related emails from these third parties, please contact them directly or utilize any opt-out mechanisms in their privacy policies or marketing-related emails. We will seek to comply with your request(s) as soon as reasonably practicable.

SMS messages. If you are receiving SMS messages from us, you may opt out from further SMS messages and remove your SMS information from our database by responding “STOP” to the SMS text message you have received.

How you can access, change or suppress your Personal Information If you would like to review, correct, update, suppress or delete, on a going-forward basis, our use of your Personal Information that has been previously provided to us, you may do so by contacting us at [email protected] and providing the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. For your protection, we will only implement such requests with respect to the Personal Information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request.

In your request, please make clear what information you would like to have changed, whether you would like to have your Personal Information suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information. We will respond to your request within 30 days. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backups), or for which access is not otherwise required.

Retention Period

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required by government legislation and regulations or as necessary to resolve disputes, enforce our agreements and administer our relationships with our ad networks and other third parties. If you wish to request that we no longer use your information, please follow the instructions above. If you request that we delete your Personal Information, we will use reasonable commercial efforts to do so no later than three (3) months after receiving your request, unless a longer retention period is required by law.

Sensitive Information

In general, we ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., Social Security number, driver’s license number, credit card number (unless necessary to make a purchase), information related to racial or ethnic origin, political opinions, religion or other beliefs, criminal background or trade union membership) on or through the Sites or otherwise to us. With regard to health-related Personal Information, we ask that you submit only that information which is required by our forms and do not provide health-related Personal Information to us which we have not specifically asked for.

Your California Privacy Rights

This Privacy Notice for California Residents supplements the information contained in the rest of this Policy and applies solely to all visitors, users, and others who reside in the State of California. 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 herein.

Categories of Personal Information:

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked directly with a particular consumer or device (“personal information”). Specifically, Affluent’s website has collected the following categories of personal information from its users within the last twelve (12) months:

Category Examples Collected (Y/N) 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. Y 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. Y 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). Y D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. Y 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. N F. Internet or other similar network activity. Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. Y G. Geolocation data. Physical location or movements. Y H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. N I. Professional or employment-related information. Current or past job history or performance evaluations. N 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. N K. Inferences drawn from other personal information. Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Y

For the purposes of the CCPA, personal information does not include the following categories:

• Publicly available information from federal, state or local government records. • Aggregated or deidentified consumer information. • Information excluded from the CCPA’s scope, including: • Protected or health information that is collected by a covered entity governed by the Confidentiality of Medical Information Act or the Health Insurance Portability and Availability Act of 1996. • Information covered by industry specific privacy laws including the Fair Credit Credit Reporting Act, the Gramm-Leach-Bliley Act, the Driver’s Privacy Protection Act of 1994 and the California Financial Privacy Act.

Sources of Personal Information:

Submitted by You: We may collect personal information from you through your direct submission of such personal information to us through a form on a website, or through email or other direct communication from you to us.

Indirectly: We may also collect personal information about you through, including certain online activities through Web Technologies as described elsewhere in the Policy.

Third Parties: We may also collect personal information about you from third-party business partners.

Purpose for Collecting Information

We may use or disclose the personal information we collect for one or more of the following business purposes: • processing payments; • providing reports, customer service and other information or products you have signed up for or agreed to receive; • operating our Site; • sending you information regarding our Site (including surveys or marketing communications); • displaying content customized to you; • tracking your compliance with our terms and conditions; • contacting your regarding your account or changes to our Site; and • for validation, suppression, content improvement and feedback purposes. • to personalize your experience and ensure that the advertisements we serve are interesting to people who see the advertisements • research and internal product optimization and development • in response to law enforcement requests and as required by applicable governmental regulation, law or court order • for other purposes described to you at the time of collection of your personal information • for other purposes permissible under the CCPA.

Affluent will not collect additional categories of personal information, or use such personal information in any way besides the uses described above without providing notice.

Sharing Your Information

Please see the “How Personal Information is Disclosed” section above.

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.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

• Category A • Category B • Category C • Category D • Category F • Category G • Category K

We disclose your personal information for a business purpose to the following categories of third parties: • Subsidiaries and affiliates • Contractors and service providers • Data aggregators • Third parties with whom we partner to offer products and services to you.

Sale of Information

In the preceding twelve (12) months (as of the most recent update to this Policy), we sold personal information to our affiliates as described in this Policy.

Your Rights and Choices under the CCPA

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 Affluent 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 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.

Deletion Request Rights

You have the right to request that Affluent 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.
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: • Writing us at:

Affluent Ads, LLC c/o Legal Department 2093 Philadelphia Pike #2092 Claymont, DE 19703

• Emailing us at [email protected].

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.

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 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 that account. If you do not have an account with us, 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. However, we reserve the right to offer you certain financial incentives, only as permitted by the CCPA, that can result in different prices, rates, or quality levels. Any such financial incentive will reasonably relate to the value of your personal information and contain written terms that outline the material aspects of the program. Any participation in such a program requires your prior opt in consent, which may be revoked by you at any time. Other California Privacy Rights California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected].

How To Contact Us

If you have any questions about this Privacy Policy, please contact us by email at [email protected], or please write to the following address:

You may also contact us at:

2093 Philadelphia Pike #2092 Claymont, DE 19703