Latinos Asegurados Privacy Policy

Your privacy is important to us. This Privacy Policy (the "Privacy Policy") governs the use of your Personal Information (as defined below) in connection with any websites, online services, and/or applications owned or operated by Sherpa Digital LLC, doing business as Latinos Asegurados ("we," "us," "our," or "Latinos Asegurados"), including, without limitation, in connection with:

• the website currently located at [YOUR-DOMAIN] and any other website owned by us upon which this Privacy Policy is linked (collectively, the "Site"); and
• any other services, transactions, engagements, or other interactions you have with us (all of which are collectively referred to as the "Services").

This Privacy Policy explains what information we collect about you, how we use or disclose such information, how to exercise any rights you may have with respect to your Personal Information (including any rights to opt out of certain uses of your information), and the safeguards we have in place to reduce the risk of unauthorized access and use.

Please carefully read this Privacy Policy, which is part of our Terms of Use, before using our Site and/or Services. If you do not agree with the Terms of Use and/or this Privacy Policy, you must refrain from using our Site and/or Services. By accessing or using our Site/Services you agree to our use of your information consistent with the Terms of Use and this Privacy Policy.

1. Insurance Disclaimer

We are not an insurance company or an insurance agent. We help connect individuals and businesses with companies that may be able to provide insurance products. We do not charge individuals or businesses to submit inquiries regarding obtaining insurance through our Site/Services. Instead, we receive payment from the companies with whom we connect potential buyers, such as insurance agents, insurers, and third-party insurance service providers (such companies referred to herein as "Insurance Partners").

2. Privacy Policy Changes

This Privacy Policy is subject to change. We encourage you to review this Privacy Policy frequently for any revisions or amendments. Changes to this Privacy Policy will be posted on the Site and will be effective immediately upon posting. You will be deemed to have been made aware of and have accepted the changes by your continued use of the Site or Services.

3. Information We Collect

a. Personal Information

When you view content on our website, we automatically collect information about your computer hardware and software. This can include your IP address, browser type, domain names, internet service provider (ISP), the pages viewed on our site, operating system, clickstream data, access times, and referring website addresses. We use this information to provide general statistics regarding use of the Site. For these purposes, we may link this automatically-collected data to other Personal Information such as name, email address, address, and phone number.

We collect information that personally identifies, relates to, describes, or is capable of being associated with you ("Personal Information"), including:

• Personal Identifiers (e.g., name, date of birth, IP address)
• Contact Information (e.g., mailing address, email address, phone number)
• Commercial Information (e.g., age range, coverage purpose, desired insurance products)
• Internet or Other Electronic Network Activity (e.g., browsing history, pages viewed, other information regarding your use of our Site/Services that can be associated with you)
• Device, browser, and location information, such as computer make and model, browser type and version, and IP address (used to determine approximate geographic location, in compliance with applicable laws)
• Inferences drawn from the above categories of Personal Information that relate to your preferences, characteristics, or likely insurance needs

The types of Personal Information we collect about you may vary based on how you use the Site and/or Services.

b. Consumer Report Notice

In some cases, insurance agents, insurers, and Insurance Partners may need to obtain additional background information about you in connection with an insurance application — for example, consumer reports used to help determine eligibility for insurance and the price you may be charged. By providing information to us for use in obtaining an insurance quote, you give your express consent for insurance agents, insurers, Insurance Partners, and associated third-party service providers with whom we share your Personal Information to obtain and use such reports as described in this paragraph.

c. Usage Data

We automatically collect information in connection with the actions you take on the Site and in connection with using the Services ("Usage Data") — for example, your IP address, browser type, device type, operating system, the pages you view, referring and exit pages, and the date and time of your visit. We use this information to improve the performance and functionality of the Site and Services.

d. Call Recording

We and/or our Service Providers (as defined below) may record all calls and retain the content of all text messages or other written/electronic communications between you and us and/or our Service Providers, regardless of whether we call you or you call us. By communicating with us, you consent to such recording and retention of communications.

e. Session Recording

We and/or our Service Providers may monitor and/or record and retain the content of all activity, clicks, and keystrokes on our owned and affiliated websites for informational and quality control purposes. By continuing to use our website and its content, you consent to such recording and retention.

4. How We Collect Information

a. Voluntary Disclosure

We may ask you to provide Personal Information when you submit an inquiry form, communicate with us, or at other times. You are not required to provide your Personal Information; however, if you choose not to, you may not be able to use some or all of the features of the Site or Services, and we may not be able to fulfill your requested interaction.

b. Third-Party Data Sources

We may collect Personal Information from third-party data sources such as insurance agents, insurers, Insurance Partners, and data providers. This Personal Information may be appended to Personal Information we have already collected from or about you.

c. Cookies

We use cookies (a small text file placed on your computer to identify your computer and browser) to improve the experience of the Site and Services. Many web browsers are initially set up to accept cookies. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent; certain features of the Site may not work if cookies are disabled.

We use the following types of cookies:

• Essential Cookies — required for the operation of the Site.
• Session Cookies — keep track of you as you move between pages; typically deleted when you close your browser.
• Persistent Cookies — remain on your device and allow us to recognize you on a return visit.
• Analytics Cookies — help us understand how the Site is used (e.g., Google Analytics).
• Advertising Cookies — record your online activity, including pages visited and links clicked, to help us and our service providers deliver advertisements relevant to your apparent interests.

Some cookies may be placed by third parties such as Google, Meta/ Facebook, or other advertising partners. Personal Information collected by third-party cookies is governed by each third party's own privacy policy. Your acceptance of cookies is not required to visit our website.

Do Not Track. Our Site and Services do not currently respond to "do not track" browser signals.

d. Online Behavioral Advertising

We may work with third-party advertisers, search providers, and ad networks ("Advertisers") to show you ads or content we believe would be relevant to you. Advertisers may collect and use information about your use of the Site as well as other websites and services, and may use cookies and similar tracking technologies to do so. You can visit the Network Advertising Initiative website at www.networkadvertising.org or the Digital Advertising Alliance's website at www.digitaladvertisingalliance.org to learn more about opting out of Internet advertising companies' information collection.

e. Information from Advertisements

If you arrive at the Site via an advertisement, we may collect information regarding the advertisement with which you interacted and your interactions with it.

f. Tracking Pixels and Similar Technology

We use tracking pixels and similar technologies to understand how users engage with the Site, including which pages are viewed and for how long, and how users arrive at or depart from the Site. If you arrive at the Site via a link from another website, certain information from that referring page may be transmitted to and used by us.

g. Social Media Features

The Site may include social media features (such as Facebook, Instagram, or LinkedIn widgets), which may collect information about your IP address and the pages you visit on our Site. Your interactions with social media features are governed by the privacy policies of the companies that provide them.

5. How We Use and Share Information

a. Generally

We use Personal Information for purposes such as:

• Providing you with the Site and Services and completing transactions you request;
• Improving the Site and Services, including personalization;
• Communicating with you, including notifying you of our or third-party products and services, via mail, email, telephone, and/or text message;
• Marketing our or third-party products and services to you;
• Performing marketing and non-marketing analytics;
• Operating information security and anti-fraud programs;
• Performing day-to-day business operations such as accounting and legal compliance;
• Responding to governmental and other legal requests; and
• Compiling information and analyses to improve our business.

b. Testimonials

If you provide a testimonial, we may post it publicly on the Site or in other marketing materials. By providing a testimonial, you give us permission to use it for any purpose, including marketing and advertising, without compensation to you.

c. Service Providers

We work with other businesses we believe have privacy practices consistent with ours ("Service Providers") to help operate our business, including: hosting and website maintenance; marketing and promotion; payment processing; business analytics; IT and data security; and professional services such as legal and accounting. We provide Service Providers only the information necessary for them to perform these services on our behalf, and Service Providers are prohibited from using your Personal Information for any other purpose.

d. Sharing With Insurance Partners (How Your Quote Request Is Used)

This is the core of how Latinos Asegurados works, so please read this section carefully. When you submit a quote request through our Site, we share your Personal Information — including your name, contact information, address, and the coverage details you provide — with insurance agents, insurers, and Insurance Partners who may be able to offer you final expense insurance coverage. We receive compensation from these Insurance Partners for connecting them with consumers like you. Depending on applicable state law, this sharing may be considered a "sale" or "share" of your Personal Information, which is why the rights described in Section 15 below (including the right to opt out) apply to it.

We may also share your Personal Information with other third parties — such as advertising partners, analytics providers, and data platforms — for their own marketing purposes, where permitted by law and subject to the rights described below.

The information we share with Insurance Partners and other third parties, and any information you provide directly to them, is subject to each party's own privacy policy. An Insurance Partner may keep information we share with them whether or not you ultimately purchase a policy through them. Our agreements with Insurance Partners require them to protect the Personal Information we provide, limit how they use it, and comply with applicable privacy laws.

e. Email Marketing

We may use your Personal Information to market products or services likely to be of interest to you via email. You may opt out of commercial email communications from us via the unsubscribe link in the footer of those messages.

6. Security

We employ commercially reasonable administrative, technical, and physical safeguards to protect your Personal Information from unauthorized access, disclosure, and use. No data transmission over the Internet can be guaranteed 100% secure; while we strive to protect information transmitted through our Site and Services, we cannot and do not guarantee the security of any information transmitted over the Internet, and you accept any associated risk.

7. Other Websites

Third-party websites accessible through the Site may have their own privacy and data collection policies and practices. We are not responsible for the content or privacy policies of such third parties.

8. Compliance With Laws and Law Enforcement

We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information, Usage Data, and other information about you to government or law enforcement officials or private parties if we believe, in our sole discretion, it is necessary or appropriate to respond to legal requests (including court orders, investigative demands, and subpoenas), to protect the safety, property, or rights of ourselves, users, or any third party, to prevent or stop illegal activity, or to comply with law.

9. Other Transfers

We may share Personal Information with businesses controlling, controlled by, or under common control with us. If we are merged, acquired, or sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer Personal Information and Usage Data in connection with such transaction.

10. How Long We Retain Your Data

We retain your Personal Information for as long as we have a relationship with you, and for a period of time afterward where there is an ongoing business need to do so, including to comply with legal, regulatory, tax, and accounting obligations. Generally, we retain Personal Information until you ask us to delete it, or as otherwise required or permitted by applicable law.

11. Children's Privacy

The Site is not intended for children under the age of 18, and we do not knowingly collect Personal Information from children under 18. If we become aware that we have inadvertently received Personal Information from a child under 18, we will delete it from our records.

12. Opt Out

You have the right to opt out of receiving marketing from us by emailing us at santiago@sherpadigitalagency.com. If you opt out of marketing you will still receive transactional messages, such as responses to your questions. If you opt out of receiving marketing communications from our Insurance Partners or other business partners with whom we have shared your information, you will still receive marketing communications from us and from any other partners with whom your information was separately shared. If you do not want us to track your location, you can turn off location services on your phone or computer through your device settings.

13. Contact Us

If you have questions about our Site, Services, or this Privacy Policy, please email us at santiago@sherpadigitalagency.com.

You may also send us a letter at:

Sherpa Digital LLC Attn: Privacy 6355 Bay Club Dr, Fort Lauderdale, FL 33308

14. European Visitors

Our Services are directed at residents of the United States. If you are visiting from the European Economic Area (EEA), please note that we may use third-party tools to estimate your geographic location for the purpose of limiting non-essential cookies in accordance with GDPR. If you believe we have used cookies in connection with your visit without appropriate consent, please notify us at santiago@sherpadigitalagency.com.

15. Additional California Consumer Rights (CCPA/CPRA)

The California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, "CCPA"), gives California residents certain rights regarding their Personal Information, as described below.

a. Right to Know

You have the right to request that we provide you: (i) the categories and/or specific pieces of Personal Information we collected about you; (ii) the categories of sources from which it was collected; (iii) the business or commercial purpose for collecting it; and (iv) the categories of third parties with whom we shared it. If we sold or shared your Personal Information, you also have the right to request the categories of Personal Information sold or shared, and the categories of third parties to whom it was sold or disclosed.

We are not permitted to provide access to specific pieces of Personal Information if doing so creates a high risk of harm from disclosure to an unauthorized person (for example, certain sensitive identifiers). If we withhold information for this reason, we will inform you.

Categories of Personal Information Collected and Disclosed in the Past 12 Months:

b. Right to Delete

You may request that we delete Personal Information we have collected about you, subject to certain exceptions (e.g., where we need the information to complete a transaction, prevent fraud, comply with a legal obligation, or as otherwise permitted by law).

c. Right to Correct

You may request that we correct inaccurate Personal Information we maintain about you, subject to verification of your identity and the nature of the information.

d. Exercising Your Rights to Know, Delete, and Correct

You may exercise these rights by emailing us at santiago@sherpadigitalagency.com. Please provide enough information to allow us to verify your identity and locate your Personal Information in our systems. We will respond to access and deletion requests within 45 days (with a possible 45-day extension, of which we will notify you), and to opt-out requests within 15 days, as required by law.

e. Right to Opt Out of Sale/Sharing

You have the right to direct us not to sell or share your Personal Information with third parties. You may exercise this right at any time by emailing santiago@sherpadigitalagency.com.

f. Non-Discrimination

We will not discriminate against you for exercising any of your rights under the CCPA. Please note that some Personal Information is necessary for us to provide the Services — for example, we cannot connect you with an insurance quote without collecting basic contact and coverage information. In such cases, declining to provide that information will mean we cannot provide the Service you requested.

g. Authorized Agents

If you are an authorized agent submitting a request on behalf of a California resident, you must provide written authorization from the consumer or a valid power of attorney. We may contact you or the consumer to verify this authorization.

h. Shine the Light

California residents may, once per calendar year, request information about our disclosure of certain Personal Information to third parties for their direct marketing purposes. To make such a request, email santiago@sherpadigitalagency.com with "Shine the Light Request" in the subject line.

16. Nevada Residents

Some of our data sharing practices may be considered a "sale" of Personal Information under Nevada Revised Statutes 603A. Nevada residents may opt out of such sale by emailing santiago@sherpadigitalagency.com.

17. Other State Privacy Rights

Residents of certain other states (including, as applicable, Colorado, Connecticut, Virginia, and Utah) may have similar rights to access, delete, correct, and opt out of certain uses of their Personal Information under their state's privacy law. To exercise these rights, please contact us at santiago@sherpadigitalagency.com, and we will respond in accordance with the applicable law of your state of residence.