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State Specific Privacy Policies

California

California Privacy Policy

SHOW POLICY

You take online privacy seriously and so does the JM&A Group (which includes Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency, Century Warranty Services, and Courtesy Insurance Company). Our aim with this privacy policy is to help you make informed choices about your personal information. This privacy policy explains what personal information we collect about you, what we do with it, and how you can control it in connection with our products and websites.

1. Who We Are and How to Contact Us.

The JM&A Group is one of the largest independent providers of finance and insurance (F&I) products in the automotive industry. In this role, the JM&A Group may collect and control your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. This privacy policy describes how we deal with your personal information.

It is important for you to know that the JM&A Group is comprised of five (5) companies that may each have a different name than the JM&A Group (these companies are listed above). However, each of these companies is actually part of the JM&A Group. As such, the way these companies process your personal information is also captured within this privacy policy. Where we use terms such as we, us and our in this privacy policy, we mean the JM&A Group and all of its companies, even if they have a different name.

If you have questions about this privacy policy or wish to exercise any of the rights mentioned in it, please contact us using the contact details at the bottom of this privacy policy.

2. Categories of Personal Information and Sensitive Personal Information We Collect, Where We Collect It From, Why We Collect It, And Who We Disclose It To.

To help you understand our privacy practices, the following tables show, for the past twelve (12) months: which categories of personal information and sensitive personal information we have collected, the categories of sources from which we collected personal information and sensitive personal information, our business or commercial purposes for collecting the information, and the categories of third parties to whom we have disclosed personal information and sensitive personal information.

 

Category of Personal Information

Identifiers such as your title, full name, address, contact details, including your email address, home and mobile telephone numbers, correspondence address (where different from your home address); and address history (only for current contract holders). We may also collect information relating to your use of our service.

Sources

This information is collected from the car dealer from whom you purchased our product contract(s) or contract(s) we administer.

We also collect personal information from you directly through discussions and taking notes during the claims process, on our forms, or in your correspondence with us.

Third-Party Recipients

We may disclose your personal information to third parties. There are times when we are mandated by law to disclose your personal information to third parties (such as tax authorities).

We may also disclose your information with JM Family Enterprises, as our parent company; and with regulators and authorities in connection with their duties (such as insurance fraud prevention), and/or in connection with our compliance with legal and/or regulatory obligations.

Category of Personal Information

Other identifiers such as name, signature, social security number, address, telephone number, driver’s license number, insurance policy number, revolving credit account number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Characteristics of protected classifications under California, Colorado, Connecticut, Virginia, Utah, or federal law.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Commercial information such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Sources

This information is collected from you or from repair shops in connection with our product contract(s) or contract(s) we administer.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Biometric information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Internet or other electronic network activity information such as information regarding a consumer’s interaction with an Internet Web site.

Sources

This information is collected when you use our site(s).

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Audio, electronic, visual, thermal, olfactory, or similar information.

Sources

It is our standard practice to record all external claims calls for training, compliance, security and evidentiary purposes even where these calls fall outside of our regulatory obligations.

Some of our offices use closed circuit television (CCTV) cameras for health, safety and security purposes. As such, if you visit one of our offices, you may have your image recorded on CCTV. We may also deploy other access control mechanisms at some of our offices or branches, such as a visitor’s log, which you may be required to sign on entry which will also capture your personal information.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Professional or employment-related information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Non-public education information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Social security number and driver’s license number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Precise geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

 

We collect your personal information to provide you services; market our products; protect our legal rights; communicate with you, safeguard our systems, improve our operations, comply with our legal obligations; administer and perform contracts (including processing or evaluating claims); and detect, investigate, and prevent activities that violate our policies, are against the law, or pose a risk of harm. Additionally, if you consent, we collect your sensitive personal information to provide you services, ensure security at our events, and administer or perform contracts. We do not use your sensitive personal information for any reason other than those specified in California Civil Code section 1798.121(a).

We retain personal information and sensitive personal information for as long as reasonably necessary to accomplish the purposes for which it was collected, and as necessary to comply with legal obligations and to protect our interests.

3. Sale, Sharing, and Targeted Advertising.

We do not sell, rent or trade your personal information or sensitive personal information to an outside company. We have no actual knowledge that we have sold or shared such information on individuals who are not yet 16 years old.

We do not share your personal information or sensitive personal information with third parties for purposes of cross-context behavioral advertising, as we understand that term to be defined under the California Consumer Privacy Act.

We do not process your personal information for the purposes of targeted advertising, as we understand that term to be defined under the Virginia Consumer Data Protection Act and Colorado Privacy Act.

4. Do Not Track.

Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. Instead, we collect, use, and disclose information as described in this Privacy Policy regardless of a “do not track” choice.

5. Changes to Personal Information.

Please contact us using the information below if any of your personal information changes, so that we can update our records.

6. Your Rights.

You (or others authorized by applicable law to act on your behalf) have the right to ask us to confirm whether or not we are processing your personal information and to send you the following information:

  • The categories of personal data we have collected about you.
  • The categories of sources from which we collected the personal data.
  • Our business or commercial purpose for collecting personal data.
  • The categories of third parties to whom we disclose personal data.
  • The specific pieces of person information the business has collected about you. And you have the right to obtain such information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another controller without hindrance

You have the right to ask us to delete the personal data we have collected about you.

You have the right to ask us to correct inaccurate personal information we maintain about you.

You have the right to opt out of the processing of the personal information for purposes of profiling in furtherance of decisions that produce legal or similarly significant effects.

You have the right to ask us one time each year if we have shared personal information with third parties for their direct marketing purposes.

You have the right to consent to the processing of sensitive information if you are a resident of Virginia or Colorado. Your consent to process sensitive information (in the form of Social Security numbers and driver’s license numbers) will be requested when a claim is filed and you submit the sensitive information for claim consideration. Similarly, geolocation data is only collected in a certain circumstance when provided by you.

You have the right to not receive discriminatory treatment from us for exercising those rights, including by:

  • Denying you goods or services.
  • Charging you different prices or rates for goods or services, including through the use of discounts or other benefits, or imposing penalties.
  • Providing you a different level or quality of goods or services.
  • Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

7. Exercising Your Rights.

If you are a California, Colorado, Connecticut, Utah, or Virginia resident who wants to submit a request to us regarding your rights, please click here, email us at privacy@jmagroup.com, or call us at 1-800-327-5172. You may also choose to appoint an agent to make requests on your behalf. In this circumstance, we will need to verify both your appointment of the agent and the agent’s identity when the request is submitted. Please reach out to our customer service representatives at 1-800-327-5172 so that we may provide specific directions for how to appoint an agent to make requests on your behalf.

Before acting on your request, we will take reasonable steps as allowed by law to verify your identity. In order to verify your identity, upon receiving your request, we will send you an Identity Verification Form to complete and have notarized. We will compensate you for the cost of the notarization. The form asks for the minimal information (your name, address, telephone number, email address and either your Vehicle Identification Number (VIN) or contract number) we need to verify who you are and locate your personal information in our system.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

If we decline to honor your request, you may appeal that decision by emailing us at privacy@jmagroup.com. In your reply, please concisely state the reason(s) for your appeal.

8. Data Anonymization and Use of Aggregated Information.

Your personal information may be converted into statistical or aggregated data which cannot be used to re-identify you. It will then be used to produce statistical research and reports. This aggregated data will be used in all the ways described in this privacy policy, and it may also be used in other ways not described here. However, as the information will be aggregated anonymous data, it will no longer constitute your personal information and can therefore be used more widely than if you could still be identified from it.

9. Future Changes to This Privacy Policy.

We reserve the right to update this privacy policy at any time. When we do, we will post it on our websites and include the effective date of the update.

10. Contact Us.

You can email us at privacy@jmagroup.com or call us at 1-800-327-5172.

Effective Date: December 7, 2022.


Colorado

Colorado Privacy Policy

SHOW POLICY

You take online privacy seriously and so does the JM&A Group (which includes Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency, Century Warranty Services, and Courtesy Insurance Company). Our aim with this privacy policy is to help you make informed choices about your personal information. This privacy policy explains what personal information we collect about you, what we do with it, and how you can control it in connection with our products and websites.

1. Who We Are and How to Contact Us.

The JM&A Group is one of the largest independent providers of finance and insurance (F&I) products in the automotive industry. In this role, the JM&A Group may collect and control your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. This privacy policy describes how we deal with your personal information.

It is important for you to know that the JM&A Group is comprised of five (5) companies that may each have a different name than the JM&A Group (these companies are listed above). However, each of these companies is actually part of the JM&A Group. As such, the way these companies process your personal information is also captured within this privacy policy. Where we use terms such as we, us and our in this privacy policy, we mean the JM&A Group and all of its companies, even if they have a different name.

If you have questions about this privacy policy or wish to exercise any of the rights mentioned in it, please contact us using the contact details at the bottom of this privacy policy.

2. Categories of Personal Information and Sensitive Personal Information We Collect, Where We Collect It From, Why We Collect It, And Who We Disclose It To.

To help you understand our privacy practices, the following tables show, for the past twelve (12) months: which categories of personal information and sensitive personal information we have collected, the categories of sources from which we collected personal information and sensitive personal information, our business or commercial purposes for collecting the information, and the categories of third parties to whom we have disclosed personal information and sensitive personal information.

 

Category of Personal Information

Identifiers such as your title, full name, address, contact details, including your email address, home and mobile telephone numbers, correspondence address (where different from your home address); and address history (only for current contract holders). We may also collect information relating to your use of our service.

Sources

This information is collected from the car dealer from whom you purchased our product contract(s) or contract(s) we administer.

We also collect personal information from you directly through discussions and taking notes during the claims process, on our forms, or in your correspondence with us.

Third-Party Recipients

We may disclose your personal information to third parties. There are times when we are mandated by law to disclose your personal information to third parties (such as tax authorities).

We may also disclose your information with JM Family Enterprises, as our parent company; and with regulators and authorities in connection with their duties (such as insurance fraud prevention), and/or in connection with our compliance with legal and/or regulatory obligations.

Category of Personal Information

Other identifiers such as name, signature, social security number, address, telephone number, driver’s license number, insurance policy number, revolving credit account number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Characteristics of protected classifications under California, Colorado, Connecticut, Virginia, Utah, or federal law.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Commercial information such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Sources

This information is collected from you or from repair shops in connection with our product contract(s) or contract(s) we administer.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Biometric information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Internet or other electronic network activity information such as information regarding a consumer’s interaction with an Internet Web site.

Sources

This information is collected when you use our site(s).

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Audio, electronic, visual, thermal, olfactory, or similar information.

Sources

It is our standard practice to record all external claims calls for training, compliance, security and evidentiary purposes even where these calls fall outside of our regulatory obligations.

Some of our offices use closed circuit television (CCTV) cameras for health, safety and security purposes. As such, if you visit one of our offices, you may have your image recorded on CCTV. We may also deploy other access control mechanisms at some of our offices or branches, such as a visitor’s log, which you may be required to sign on entry which will also capture your personal information.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Professional or employment-related information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Non-public education information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Social security number and driver’s license number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Precise geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

 

We collect your personal information to provide you services; market our products; protect our legal rights; communicate with you, safeguard our systems, improve our operations, comply with our legal obligations; administer and perform contracts (including processing or evaluating claims); and detect, investigate, and prevent activities that violate our policies, are against the law, or pose a risk of harm. Additionally, if you consent, we collect your sensitive personal information to provide you services, ensure security at our events, and administer or perform contracts. We do not use your sensitive personal information for any reason other than those specified in California Civil Code section 1798.121(a).

We retain personal information and sensitive personal information for as long as reasonably necessary to accomplish the purposes for which it was collected, and as necessary to comply with legal obligations and to protect our interests.

3. Sale, Sharing, and Targeted Advertising.

We do not sell, rent or trade your personal information or sensitive personal information to an outside company. We have no actual knowledge that we have sold or shared such information on individuals who are not yet 16 years old.

We do not share your personal information or sensitive personal information with third parties for purposes of cross-context behavioral advertising, as we understand that term to be defined under the California Consumer Privacy Act.

We do not process your personal information for the purposes of targeted advertising, as we understand that term to be defined under the Virginia Consumer Data Protection Act and Colorado Privacy Act.

4. Do Not Track.

Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. Instead, we collect, use, and disclose information as described in this Privacy Policy regardless of a “do not track” choice.

5. Changes to Personal Information.

Please contact us using the information below if any of your personal information changes, so that we can update our records.

6. Your Rights.

You (or others authorized by applicable law to act on your behalf) have the right to ask us to confirm whether or not we are processing your personal information and to send you the following information:

  • The categories of personal data we have collected about you.
  • The categories of sources from which we collected the personal data.
  • Our business or commercial purpose for collecting personal data.
  • The categories of third parties to whom we disclose personal data.
  • The specific pieces of person information the business has collected about you. And you have the right to obtain such information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another controller without hindrance

You have the right to ask us to delete the personal data we have collected about you.

You have the right to ask us to correct inaccurate personal information we maintain about you.

You have the right to opt out of the processing of the personal information for purposes of profiling in furtherance of decisions that produce legal or similarly significant effects.

You have the right to ask us one time each year if we have shared personal information with third parties for their direct marketing purposes.

You have the right to consent to the processing of sensitive information if you are a resident of Virginia or Colorado. Your consent to process sensitive information (in the form of Social Security numbers and driver’s license numbers) will be requested when a claim is filed and you submit the sensitive information for claim consideration. Similarly, geolocation data is only collected in a certain circumstance when provided by you.

You have the right to not receive discriminatory treatment from us for exercising those rights, including by:

  • Denying you goods or services.
  • Charging you different prices or rates for goods or services, including through the use of discounts or other benefits, or imposing penalties.
  • Providing you a different level or quality of goods or services.
  • Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

7. Exercising Your Rights.

If you are a California, Colorado, Connecticut, Utah, or Virginia resident who wants to submit a request to us regarding your rights, please click here, email us at privacy@jmagroup.com, or call us at 1-800-327-5172. You may also choose to appoint an agent to make requests on your behalf. In this circumstance, we will need to verify both your appointment of the agent and the agent’s identity when the request is submitted. Please reach out to our customer service representatives at 1-800-327-5172 so that we may provide specific directions for how to appoint an agent to make requests on your behalf.

Before acting on your request, we will take reasonable steps as allowed by law to verify your identity. In order to verify your identity, upon receiving your request, we will send you an Identity Verification Form to complete and have notarized. We will compensate you for the cost of the notarization. The form asks for the minimal information (your name, address, telephone number, email address and either your Vehicle Identification Number (VIN) or contract number) we need to verify who you are and locate your personal information in our system.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

If we decline to honor your request, you may appeal that decision by emailing us at privacy@jmagroup.com. In your reply, please concisely state the reason(s) for your appeal.

8. Data Anonymization and Use of Aggregated Information.

Your personal information may be converted into statistical or aggregated data which cannot be used to re-identify you. It will then be used to produce statistical research and reports. This aggregated data will be used in all the ways described in this privacy policy, and it may also be used in other ways not described here. However, as the information will be aggregated anonymous data, it will no longer constitute your personal information and can therefore be used more widely than if you could still be identified from it.

9. Future Changes to This Privacy Policy.

We reserve the right to update this privacy policy at any time. When we do, we will post it on our websites and include the effective date of the update.

10. Contact Us.

You can email us at privacy@jmagroup.com or call us at 1-800-327-5172.

Effective Date: December 7, 2022.


Connecticut

Connecticut Privacy Policy

SHOW POLICY

You take online privacy seriously and so does the JM&A Group (which includes Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency, Century Warranty Services, and Courtesy Insurance Company). Our aim with this privacy policy is to help you make informed choices about your personal information. This privacy policy explains what personal information we collect about you, what we do with it, and how you can control it in connection with our products and websites.

1. Who We Are and How to Contact Us.

The JM&A Group is one of the largest independent providers of finance and insurance (F&I) products in the automotive industry. In this role, the JM&A Group may collect and control your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. This privacy policy describes how we deal with your personal information.

It is important for you to know that the JM&A Group is comprised of five (5) companies that may each have a different name than the JM&A Group (these companies are listed above). However, each of these companies is actually part of the JM&A Group. As such, the way these companies process your personal information is also captured within this privacy policy. Where we use terms such as we, us and our in this privacy policy, we mean the JM&A Group and all of its companies, even if they have a different name.

If you have questions about this privacy policy or wish to exercise any of the rights mentioned in it, please contact us using the contact details at the bottom of this privacy policy.

2. Categories of Personal Information and Sensitive Personal Information We Collect, Where We Collect It From, Why We Collect It, And Who We Disclose It To.

To help you understand our privacy practices, the following tables show, for the past twelve (12) months: which categories of personal information and sensitive personal information we have collected, the categories of sources from which we collected personal information and sensitive personal information, our business or commercial purposes for collecting the information, and the categories of third parties to whom we have disclosed personal information and sensitive personal information.

 

Category of Personal Information

Identifiers such as your title, full name, address, contact details, including your email address, home and mobile telephone numbers, correspondence address (where different from your home address); and address history (only for current contract holders). We may also collect information relating to your use of our service.

Sources

This information is collected from the car dealer from whom you purchased our product contract(s) or contract(s) we administer.

We also collect personal information from you directly through discussions and taking notes during the claims process, on our forms, or in your correspondence with us.

Third-Party Recipients

We may disclose your personal information to third parties. There are times when we are mandated by law to disclose your personal information to third parties (such as tax authorities).

We may also disclose your information with JM Family Enterprises, as our parent company; and with regulators and authorities in connection with their duties (such as insurance fraud prevention), and/or in connection with our compliance with legal and/or regulatory obligations.

Category of Personal Information

Other identifiers such as name, signature, social security number, address, telephone number, driver’s license number, insurance policy number, revolving credit account number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Characteristics of protected classifications under California, Colorado, Connecticut, Virginia, Utah, or federal law.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Commercial information such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Sources

This information is collected from you or from repair shops in connection with our product contract(s) or contract(s) we administer.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Biometric information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Internet or other electronic network activity information such as information regarding a consumer’s interaction with an Internet Web site.

Sources

This information is collected when you use our site(s).

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Audio, electronic, visual, thermal, olfactory, or similar information.

Sources

It is our standard practice to record all external claims calls for training, compliance, security and evidentiary purposes even where these calls fall outside of our regulatory obligations.

Some of our offices use closed circuit television (CCTV) cameras for health, safety and security purposes. As such, if you visit one of our offices, you may have your image recorded on CCTV. We may also deploy other access control mechanisms at some of our offices or branches, such as a visitor’s log, which you may be required to sign on entry which will also capture your personal information.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Professional or employment-related information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Non-public education information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Social security number and driver’s license number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Precise geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

 

We collect your personal information to provide you services; market our products; protect our legal rights; communicate with you, safeguard our systems, improve our operations, comply with our legal obligations; administer and perform contracts (including processing or evaluating claims); and detect, investigate, and prevent activities that violate our policies, are against the law, or pose a risk of harm. Additionally, if you consent, we collect your sensitive personal information to provide you services, ensure security at our events, and administer or perform contracts. We do not use your sensitive personal information for any reason other than those specified in California Civil Code section 1798.121(a).

We retain personal information and sensitive personal information for as long as reasonably necessary to accomplish the purposes for which it was collected, and as necessary to comply with legal obligations and to protect our interests.

3. Sale, Sharing, and Targeted Advertising.

We do not sell, rent or trade your personal information or sensitive personal information to an outside company. We have no actual knowledge that we have sold or shared such information on individuals who are not yet 16 years old.

We do not share your personal information or sensitive personal information with third parties for purposes of cross-context behavioral advertising, as we understand that term to be defined under the California Consumer Privacy Act.

We do not process your personal information for the purposes of targeted advertising, as we understand that term to be defined under the Virginia Consumer Data Protection Act and Colorado Privacy Act.

4. Do Not Track.

Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. Instead, we collect, use, and disclose information as described in this Privacy Policy regardless of a “do not track” choice.

5. Changes to Personal Information.

Please contact us using the information below if any of your personal information changes, so that we can update our records.

6. Your Rights.

You (or others authorized by applicable law to act on your behalf) have the right to ask us to confirm whether or not we are processing your personal information and to send you the following information:

  • The categories of personal data we have collected about you.
  • The categories of sources from which we collected the personal data.
  • Our business or commercial purpose for collecting personal data.
  • The categories of third parties to whom we disclose personal data.
  • The specific pieces of person information the business has collected about you. And you have the right to obtain such information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another controller without hindrance

You have the right to ask us to delete the personal data we have collected about you.

You have the right to ask us to correct inaccurate personal information we maintain about you.

You have the right to opt out of the processing of the personal information for purposes of profiling in furtherance of decisions that produce legal or similarly significant effects.

You have the right to ask us one time each year if we have shared personal information with third parties for their direct marketing purposes.

You have the right to consent to the processing of sensitive information if you are a resident of Virginia or Colorado. Your consent to process sensitive information (in the form of Social Security numbers and driver’s license numbers) will be requested when a claim is filed and you submit the sensitive information for claim consideration. Similarly, geolocation data is only collected in a certain circumstance when provided by you.

You have the right to not receive discriminatory treatment from us for exercising those rights, including by:

  • Denying you goods or services.
  • Charging you different prices or rates for goods or services, including through the use of discounts or other benefits, or imposing penalties.
  • Providing you a different level or quality of goods or services.
  • Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

7. Exercising Your Rights.

If you are a California, Colorado, Connecticut, Utah, or Virginia resident who wants to submit a request to us regarding your rights, please click here, email us at privacy@jmagroup.com, or call us at 1-800-327-5172. You may also choose to appoint an agent to make requests on your behalf. In this circumstance, we will need to verify both your appointment of the agent and the agent’s identity when the request is submitted. Please reach out to our customer service representatives at 1-800-327-5172 so that we may provide specific directions for how to appoint an agent to make requests on your behalf.

Before acting on your request, we will take reasonable steps as allowed by law to verify your identity. In order to verify your identity, upon receiving your request, we will send you an Identity Verification Form to complete and have notarized. We will compensate you for the cost of the notarization. The form asks for the minimal information (your name, address, telephone number, email address and either your Vehicle Identification Number (VIN) or contract number) we need to verify who you are and locate your personal information in our system.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

If we decline to honor your request, you may appeal that decision by emailing us at privacy@jmagroup.com. In your reply, please concisely state the reason(s) for your appeal.

8. Data Anonymization and Use of Aggregated Information.

Your personal information may be converted into statistical or aggregated data which cannot be used to re-identify you. It will then be used to produce statistical research and reports. This aggregated data will be used in all the ways described in this privacy policy, and it may also be used in other ways not described here. However, as the information will be aggregated anonymous data, it will no longer constitute your personal information and can therefore be used more widely than if you could still be identified from it.

9. Future Changes to This Privacy Policy.

We reserve the right to update this privacy policy at any time. When we do, we will post it on our websites and include the effective date of the update.

10. Contact Us.

You can email us at privacy@jmagroup.com or call us at 1-800-327-5172.

Effective Date: December 7, 2022.


Nevada

Supplement to the Privacy Policy

SHOW POLICY

You take online privacy seriously and so does the JM&A Group (which includes Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency, Century Warranty Services, and Courtesy Insurance Company).

Please rest assured knowing we do not sell your personal information to any outside companies.

You are entitled, nevertheless, under Nevada law to formally request that we not sell any of your personal information. Please use this link to submit your request and we will be happy to confirm this information to you personally.

Thank you.

Effective Date: December 7, 2022


Utah

Utah Privacy Policy

SHOW POLICY

You take online privacy seriously and so does the JM&A Group (which includes Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency, Century Warranty Services, and Courtesy Insurance Company). Our aim with this privacy policy is to help you make informed choices about your personal information. This privacy policy explains what personal information we collect about you, what we do with it, and how you can control it in connection with our products and websites.

1. Who We Are and How to Contact Us.

The JM&A Group is one of the largest independent providers of finance and insurance (F&I) products in the automotive industry. In this role, the JM&A Group may collect and control your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. This privacy policy describes how we deal with your personal information.

It is important for you to know that the JM&A Group is comprised of five (5) companies that may each have a different name than the JM&A Group (these companies are listed above). However, each of these companies is actually part of the JM&A Group. As such, the way these companies process your personal information is also captured within this privacy policy. Where we use terms such as we, us and our in this privacy policy, we mean the JM&A Group and all of its companies, even if they have a different name.

If you have questions about this privacy policy or wish to exercise any of the rights mentioned in it, please contact us using the contact details at the bottom of this privacy policy.

2. Categories of Personal Information and Sensitive Personal Information We Collect, Where We Collect It From, Why We Collect It, And Who We Disclose It To.

To help you understand our privacy practices, the following tables show, for the past twelve (12) months: which categories of personal information and sensitive personal information we have collected, the categories of sources from which we collected personal information and sensitive personal information, our business or commercial purposes for collecting the information, and the categories of third parties to whom we have disclosed personal information and sensitive personal information.

 

Category of Personal Information

Identifiers such as your title, full name, address, contact details, including your email address, home and mobile telephone numbers, correspondence address (where different from your home address); and address history (only for current contract holders). We may also collect information relating to your use of our service.

Sources

This information is collected from the car dealer from whom you purchased our product contract(s) or contract(s) we administer.

We also collect personal information from you directly through discussions and taking notes during the claims process, on our forms, or in your correspondence with us.

Third-Party Recipients

We may disclose your personal information to third parties. There are times when we are mandated by law to disclose your personal information to third parties (such as tax authorities).

We may also disclose your information with JM Family Enterprises, as our parent company; and with regulators and authorities in connection with their duties (such as insurance fraud prevention), and/or in connection with our compliance with legal and/or regulatory obligations.

Category of Personal Information

Other identifiers such as name, signature, social security number, address, telephone number, driver’s license number, insurance policy number, revolving credit account number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Characteristics of protected classifications under California, Colorado, Connecticut, Virginia, Utah, or federal law.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Commercial information such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Sources

This information is collected from you or from repair shops in connection with our product contract(s) or contract(s) we administer.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Biometric information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Internet or other electronic network activity information such as information regarding a consumer’s interaction with an Internet Web site.

Sources

This information is collected when you use our site(s).

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Audio, electronic, visual, thermal, olfactory, or similar information.

Sources

It is our standard practice to record all external claims calls for training, compliance, security and evidentiary purposes even where these calls fall outside of our regulatory obligations.

Some of our offices use closed circuit television (CCTV) cameras for health, safety and security purposes. As such, if you visit one of our offices, you may have your image recorded on CCTV. We may also deploy other access control mechanisms at some of our offices or branches, such as a visitor’s log, which you may be required to sign on entry which will also capture your personal information.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Professional or employment-related information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Non-public education information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Social security number and driver’s license number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Precise geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

 

We collect your personal information to provide you services; market our products; protect our legal rights; communicate with you, safeguard our systems, improve our operations, comply with our legal obligations; administer and perform contracts (including processing or evaluating claims); and detect, investigate, and prevent activities that violate our policies, are against the law, or pose a risk of harm. Additionally, if you consent, we collect your sensitive personal information to provide you services, ensure security at our events, and administer or perform contracts. We do not use your sensitive personal information for any reason other than those specified in California Civil Code section 1798.121(a).

We retain personal information and sensitive personal information for as long as reasonably necessary to accomplish the purposes for which it was collected, and as necessary to comply with legal obligations and to protect our interests.

3. Sale, Sharing, and Targeted Advertising.

We do not sell, rent or trade your personal information or sensitive personal information to an outside company. We have no actual knowledge that we have sold or shared such information on individuals who are not yet 16 years old.

We do not share your personal information or sensitive personal information with third parties for purposes of cross-context behavioral advertising, as we understand that term to be defined under the California Consumer Privacy Act.

We do not process your personal information for the purposes of targeted advertising, as we understand that term to be defined under the Virginia Consumer Data Protection Act and Colorado Privacy Act.

4. Do Not Track.

Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. Instead, we collect, use, and disclose information as described in this Privacy Policy regardless of a “do not track” choice.

5. Changes to Personal Information.

Please contact us using the information below if any of your personal information changes, so that we can update our records.

6. Your Rights.

You (or others authorized by applicable law to act on your behalf) have the right to ask us to confirm whether or not we are processing your personal information and to send you the following information:

  • The categories of personal data we have collected about you.
  • The categories of sources from which we collected the personal data.
  • Our business or commercial purpose for collecting personal data.
  • The categories of third parties to whom we disclose personal data.
  • The specific pieces of person information the business has collected about you. And you have the right to obtain such information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another controller without hindrance

You have the right to ask us to delete the personal data we have collected about you.

You have the right to ask us to correct inaccurate personal information we maintain about you.

You have the right to opt out of the processing of the personal information for purposes of profiling in furtherance of decisions that produce legal or similarly significant effects.

You have the right to ask us one time each year if we have shared personal information with third parties for their direct marketing purposes.

You have the right to consent to the processing of sensitive information if you are a resident of Virginia or Colorado. Your consent to process sensitive information (in the form of Social Security numbers and driver’s license numbers) will be requested when a claim is filed and you submit the sensitive information for claim consideration. Similarly, geolocation data is only collected in a certain circumstance when provided by you.

You have the right to not receive discriminatory treatment from us for exercising those rights, including by:

  • Denying you goods or services.
  • Charging you different prices or rates for goods or services, including through the use of discounts or other benefits, or imposing penalties.
  • Providing you a different level or quality of goods or services.
  • Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

7. Exercising Your Rights.

If you are a California, Colorado, Connecticut, Utah, or Virginia resident who wants to submit a request to us regarding your rights, please click here, email us at privacy@jmagroup.com, or call us at 1-800-327-5172. You may also choose to appoint an agent to make requests on your behalf. In this circumstance, we will need to verify both your appointment of the agent and the agent’s identity when the request is submitted. Please reach out to our customer service representatives at 1-800-327-5172 so that we may provide specific directions for how to appoint an agent to make requests on your behalf.

Before acting on your request, we will take reasonable steps as allowed by law to verify your identity. In order to verify your identity, upon receiving your request, we will send you an Identity Verification Form to complete and have notarized. We will compensate you for the cost of the notarization. The form asks for the minimal information (your name, address, telephone number, email address and either your Vehicle Identification Number (VIN) or contract number) we need to verify who you are and locate your personal information in our system.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

If we decline to honor your request, you may appeal that decision by emailing us at privacy@jmagroup.com. In your reply, please concisely state the reason(s) for your appeal.

8. Data Anonymization and Use of Aggregated Information.

Your personal information may be converted into statistical or aggregated data which cannot be used to re-identify you. It will then be used to produce statistical research and reports. This aggregated data will be used in all the ways described in this privacy policy, and it may also be used in other ways not described here. However, as the information will be aggregated anonymous data, it will no longer constitute your personal information and can therefore be used more widely than if you could still be identified from it.

9. Future Changes to This Privacy Policy.

We reserve the right to update this privacy policy at any time. When we do, we will post it on our websites and include the effective date of the update.

10. Contact Us.

You can email us at privacy@jmagroup.com or call us at 1-800-327-5172.

Effective Date: December 7, 2022.


Virginia

Virginia Privacy Policy

SHOW POLICY

You take online privacy seriously and so does the JM&A Group (which includes Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency, Century Warranty Services, and Courtesy Insurance Company). Our aim with this privacy policy is to help you make informed choices about your personal information. This privacy policy explains what personal information we collect about you, what we do with it, and how you can control it in connection with our products and websites.

1. Who We Are and How to Contact Us.

The JM&A Group is one of the largest independent providers of finance and insurance (F&I) products in the automotive industry. In this role, the JM&A Group may collect and control your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. This privacy policy describes how we deal with your personal information.

It is important for you to know that the JM&A Group is comprised of five (5) companies that may each have a different name than the JM&A Group (these companies are listed above). However, each of these companies is actually part of the JM&A Group. As such, the way these companies process your personal information is also captured within this privacy policy. Where we use terms such as we, us and our in this privacy policy, we mean the JM&A Group and all of its companies, even if they have a different name.

If you have questions about this privacy policy or wish to exercise any of the rights mentioned in it, please contact us using the contact details at the bottom of this privacy policy.

2. Categories of Personal Information and Sensitive Personal Information We Collect, Where We Collect It From, Why We Collect It, And Who We Disclose It To.

To help you understand our privacy practices, the following tables show, for the past twelve (12) months: which categories of personal information and sensitive personal information we have collected, the categories of sources from which we collected personal information and sensitive personal information, our business or commercial purposes for collecting the information, and the categories of third parties to whom we have disclosed personal information and sensitive personal information.

 

Category of Personal Information

Identifiers such as your title, full name, address, contact details, including your email address, home and mobile telephone numbers, correspondence address (where different from your home address); and address history (only for current contract holders). We may also collect information relating to your use of our service.

Sources

This information is collected from the car dealer from whom you purchased our product contract(s) or contract(s) we administer.

We also collect personal information from you directly through discussions and taking notes during the claims process, on our forms, or in your correspondence with us.

Third-Party Recipients

We may disclose your personal information to third parties. There are times when we are mandated by law to disclose your personal information to third parties (such as tax authorities).

We may also disclose your information with JM Family Enterprises, as our parent company; and with regulators and authorities in connection with their duties (such as insurance fraud prevention), and/or in connection with our compliance with legal and/or regulatory obligations.

Category of Personal Information

Other identifiers such as name, signature, social security number, address, telephone number, driver’s license number, insurance policy number, revolving credit account number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Characteristics of protected classifications under California, Colorado, Connecticut, Virginia, Utah, or federal law.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Commercial information such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Sources

This information is collected from you or from repair shops in connection with our product contract(s) or contract(s) we administer.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Biometric information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Internet or other electronic network activity information such as information regarding a consumer’s interaction with an Internet Web site.

Sources

This information is collected when you use our site(s).

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Audio, electronic, visual, thermal, olfactory, or similar information.

Sources

It is our standard practice to record all external claims calls for training, compliance, security and evidentiary purposes even where these calls fall outside of our regulatory obligations.

Some of our offices use closed circuit television (CCTV) cameras for health, safety and security purposes. As such, if you visit one of our offices, you may have your image recorded on CCTV. We may also deploy other access control mechanisms at some of our offices or branches, such as a visitor’s log, which you may be required to sign on entry which will also capture your personal information.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Professional or employment-related information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Non-public education information.

Sources

We do not collect this type of information.

Third-Party Recipients

We do not collect this type of information.

Category of Personal Information

Social security number and driver’s license number.

Sources

This information may be collected from you, your car insurance company or your lender.

Third-Party Recipients

This information is not disclosed to third parties.

Category of Personal Information

Precise geolocation data.

Sources

This information is collected when you attend sponsored events and are using a badge with tracking functionality.

Third-Party Recipients

This information is not disclosed to third parties.

 

We collect your personal information to provide you services; market our products; protect our legal rights; communicate with you, safeguard our systems, improve our operations, comply with our legal obligations; administer and perform contracts (including processing or evaluating claims); and detect, investigate, and prevent activities that violate our policies, are against the law, or pose a risk of harm. Additionally, if you consent, we collect your sensitive personal information to provide you services, ensure security at our events, and administer or perform contracts. We do not use your sensitive personal information for any reason other than those specified in California Civil Code section 1798.121(a).

We retain personal information and sensitive personal information for as long as reasonably necessary to accomplish the purposes for which it was collected, and as necessary to comply with legal obligations and to protect our interests.

3. Sale, Sharing, and Targeted Advertising.

We do not sell, rent or trade your personal information or sensitive personal information to an outside company. We have no actual knowledge that we have sold or shared such information on individuals who are not yet 16 years old.

We do not share your personal information or sensitive personal information with third parties for purposes of cross-context behavioral advertising, as we understand that term to be defined under the California Consumer Privacy Act.

We do not process your personal information for the purposes of targeted advertising, as we understand that term to be defined under the Virginia Consumer Data Protection Act and Colorado Privacy Act.

4. Do Not Track.

Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. Instead, we collect, use, and disclose information as described in this Privacy Policy regardless of a “do not track” choice.

5. Changes to Personal Information.

Please contact us using the information below if any of your personal information changes, so that we can update our records.

6. Your Rights.

You (or others authorized by applicable law to act on your behalf) have the right to ask us to confirm whether or not we are processing your personal information and to send you the following information:

  • The categories of personal data we have collected about you.
  • The categories of sources from which we collected the personal data.
  • Our business or commercial purpose for collecting personal data.
  • The categories of third parties to whom we disclose personal data.
  • The specific pieces of person information the business has collected about you. And you have the right to obtain such information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another controller without hindrance

You have the right to ask us to delete the personal data we have collected about you.

You have the right to ask us to correct inaccurate personal information we maintain about you.

You have the right to opt out of the processing of the personal information for purposes of profiling in furtherance of decisions that produce legal or similarly significant effects.

You have the right to ask us one time each year if we have shared personal information with third parties for their direct marketing purposes.

You have the right to consent to the processing of sensitive information if you are a resident of Virginia or Colorado. Your consent to process sensitive information (in the form of Social Security numbers and driver’s license numbers) will be requested when a claim is filed and you submit the sensitive information for claim consideration. Similarly, geolocation data is only collected in a certain circumstance when provided by you.

You have the right to not receive discriminatory treatment from us for exercising those rights, including by:

  • Denying you goods or services.
  • Charging you different prices or rates for goods or services, including through the use of discounts or other benefits, or imposing penalties.
  • Providing you a different level or quality of goods or services.
  • Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

7. Exercising Your Rights.

If you are a California, Colorado, Connecticut, Utah, or Virginia resident who wants to submit a request to us regarding your rights, please click here, email us at privacy@jmagroup.com, or call us at 1-800-327-5172. You may also choose to appoint an agent to make requests on your behalf. In this circumstance, we will need to verify both your appointment of the agent and the agent’s identity when the request is submitted. Please reach out to our customer service representatives at 1-800-327-5172 so that we may provide specific directions for how to appoint an agent to make requests on your behalf.

Before acting on your request, we will take reasonable steps as allowed by law to verify your identity. In order to verify your identity, upon receiving your request, we will send you an Identity Verification Form to complete and have notarized. We will compensate you for the cost of the notarization. The form asks for the minimal information (your name, address, telephone number, email address and either your Vehicle Identification Number (VIN) or contract number) we need to verify who you are and locate your personal information in our system.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

We do not charge a fee to process or respond to your verifiable consumer request, unless allowed by law, which may include when the request 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.

If we decline to honor your request, you may appeal that decision by emailing us at privacy@jmagroup.com. In your reply, please concisely state the reason(s) for your appeal.

8. Data Anonymization and Use of Aggregated Information.

Your personal information may be converted into statistical or aggregated data which cannot be used to re-identify you. It will then be used to produce statistical research and reports. This aggregated data will be used in all the ways described in this privacy policy, and it may also be used in other ways not described here. However, as the information will be aggregated anonymous data, it will no longer constitute your personal information and can therefore be used more widely than if you could still be identified from it.

9. Future Changes to This Privacy Policy.

We reserve the right to update this privacy policy at any time. When we do, we will post it on our websites and include the effective date of the update.

10. Contact Us.

You can email us at privacy@jmagroup.com or call us at 1-800-327-5172.

Effective Date: December 7, 2022.