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Privacy Policy for California Residents

This Privacy Policy for California Residents (“Policy”) supplements the information contained in Sundance Medical Financing’s (“Sundance” or “company” or “we” or “us” or “our”) Privacy Policy and applies solely to all visitors, users, and others who reside in the state of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act (CCPA), as amended, and any terms defined in the CCPA shall have the same meaning when used in this Policy.

 

INFORMATION WE COLLECT

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, household, or device (“personal information”). Personal information does not include:

·         Publicly available information from government records.

·         Deidentified or aggregated consumer information.

·         Information excluded from the CCPA’s scope, such as:

o   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

o   Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

 

 

In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

  1.  
 
Category Examples Collected
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

 

 

We obtain the categories of personal information listed above from the following categories of sources:

·         Directly from you. For example, from forms or applications you complete, or from services that you use or purchase from us.

·         Indirectly from you. For example, from observing your actions on our Website.

·         From third parties that interact with us in connection with the products and services we provide, such as credit bureaus and financial institutions, such as Plaid, Inc. (“Plaid”).

·         From our affiliates.  

 

use of personal information

We may use, sell, or disclose the personal information we collect for one or more of the following purposes:

·         To fulfill or meet the reason you provided the information. If you provide your personal information to purchase a product or service from us, we will use that information to process your request.

·         To provide, support, personalize, and develop our Website, products, and services.

·         To create, maintain, customize and secure your account with us.

·         To process your requests, purchases, transactions, and payments and prevent transactional fraud.

·         To provide you with support and to respond to your inquiries, including to investigate an address your concerns and monitor and improve our responses.

·         To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).

·         To help maintain the safety, security, and integrity of our Website, products and services, databases, and other technology assets, and business.

·         For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.

·         To respond to law enforcement requests and as required by applicable law, court order, or governmental regulation.

·         As described to you when collecting your personal information or as otherwise set forth in the CCPA.

·         To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users and consumers is among the assets transferred.

 

We will not collect additional categories of personal information or use the personal information we have collected for materially different, unrelated, or incompatible purposes without providing you notice.

SHARING OF PERSONAL INFORMATION

We disclose the above categories of personal information to third parties for business purposes or as required or permitted by law including with:

  • Our affiliates and subsidiaries;
  • Service providers, including financial institutions such as Plaid;
  • Third parties to whom you authorize us, directly or indirectly, to disclosing your personal information in connection with the products or services we provide to you; and
  • Governmental or regulatory authorities, as required by law.

 

We may also share your personal information by selling it to third parties, subject to your right to opt-out of those sales. Our personal information sales do not include information about individuals who we know are under age 16. While we have not sold any personal information in the preceding 12 months, we may do so in the future, which may include all categories of personal information which we collect as identified above, and which may be sold to the following categories of third parties.

  • Advertising networks
  • Internet service providers
  • Data analytics providers
  • Government entities
  • Operating systems and platforms
  • Social networks
  • Data brokers or aggregators
  • Banks, credit unions, or other institutions offering financing
  • Payment processors and collection agencies

 

We may share your personal information by disclosing it to a third party for a business purpose. We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except performing the contract.

YOUR RIGHTS AND CHOICES

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.

 

Right to Know and Data Portability

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (the “right to know”). Once receive your request and confirm your identity (See Exercising Your Rights to Know or Delete), 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.
  • 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.
  • The specific pieces of personal information we collected about you (also called a data portability request).

 

Right to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (the “right to delete”). Once we receive your request and confirm your identity (see Exercising your Rights to Know or Delete), we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  1. 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.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
  6. 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.
  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

 

We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.

 

Exercising Your Rights to Know or Delete

To exercise your rights to know or delete described above, please submit a request by either:

  • Calling us at: 800-691-8586
  • Emailing us at: cs@sundanceservicing.com

 

Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your personal information. You may also make a request to know or delete on behalf of your child by contacting us via telephone or email at the contact information identified immediately above.

 

You may only submit a request to know twice within a 12-month period. Your request to know or delete 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.

You do not need to create an account with us to submit a request to know or delete. We will only use personal information provided in the request to verify the requestor’s identity or authority to make it.

 

For further instructions on exercising your sale opt-out rights, see Personal Information Sales Opt-Out Rights below.

 

Response Timing and Format

We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact us at 800-691-8586.

 

We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension 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 by mail or electronically, at your option.

 

Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. 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, in our reasonable opinion, is readily useable and should allow you to transmit the information from one entity to another 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.

 

Personal Information Sales Opt-Out Rights

If you are age 16 or older, you have the right to direct us to not sell your personal information at any time (the “right to opt-out”). We do not sell the personal information of consumers we actually know are less than 16 years old. Consumers who opt-in to personal information sales may opt-out of future sales at any time.

 

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following link:

 

URL w/title “Do Not Sell My Personal Information”

 

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales.

 

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 with 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 of quality of goods or services.

 

 

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.

OTHER CALIFORNIA PRIVACY RIGHTS

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website 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 cs@sundanceservicing.com or write us at: 50 W. Broadway, Suite 335, Salt Lake City, UT 84101.

CHANGES TO OUR PRIVACY POLICY

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will post the updated noticed on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes. 

CONTACT INFORMATION

If you have any questions or comments about this notice, the ways in which Sundance collects and uses your information described here and in the Privacy Policy, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

 

Phone: 800-691-8586

Website: sundancemedicalfinancing.com

Email: cs@sundanceservicing.com

Postal Address:

                Sundance Medical Financing LLC

                50 W. Broadway, Suite 335

                Salt Lake City, UT 84101

 

 

If you need to access this Policy in an alternative format due to having a disability, please contact us at cs@sundanceservicing.com or 800-691-8586.

Privacy Policy for California Residents

Last Updated: April 14, 2023