California Consumer Privacy

As a resident of California, you have new privacy rights and more control over your Personal Information than ever. The California Consumer Privacy Act (CCPA) applies to most businesses; however, it does not apply to information governed by the federal Gramm-Leach-Bliley Act (GLBA) as well as other state and federal regulations like the Health Insurance Portability and Accountability Act (HIPAA). One of the main reasons for this exception is to minimize conflicts between the laws such as requirements for maintaining, rather than deleting, information.
 
The GLBA applies to financial institutions including insurance companies. This means information we have obtained through our interactions based on an insurance application or policy is excluded from CCPA because it is protected and governed by GLBA.
 
If we have Personal Information about a consumer that is not subject to GLBA or other exempted regulations, we will follow CCPA requirements to fulfill our obligations. This includes our verifying the identity of any individual making a request before we are allowed to fulfill that request.
 
Our web portal has pages to explain your new rights under CCPA and details about the types of Personal Information we have collected. The portal also provides a way for you to submit requests based on your CCPA rights. These pages are described here:
 
The Notice at Collection page provides you with details about the types of Personal Information we collect and how we might use it.
 
The Right To Know page lists the type of information you can request from us that we have about you. It also gives you a link to the page where you can submit your request for this information.
 
The Right To Delete page explains your rights about requesting that we delete Personal Information you have provided to us. It includes a link to the request submission page as well.
 
The Right To Opt Out page describes our practice of sharing information and explains the right to opt out of our sharing nonpublic information for affiliate marketing. It, too, has a link to the request submission page for you to exercise this right.
 
Non-Discrimination & Opt-In Incentives details your protection against discrimination if you chose to exercise any of your rights under CCPA. It also explains about incentive programs and your choice to opt-in to these programs.
 
Click the pages above to navigate through your rights as well as the options and services available to you.
 
For questions or concerns about our privacy policies and practices, you may contact us at NGHCSupport@nghcprivacy.com. Please note that sensitive information should not be sent to this email address. You may also leave a voicemail for our Privacy Team by calling 833-303-2724.
 
For your convenience, the full text of our California Privacy Policy can be viewed at NGHCPrivacy.com/ca-privacy-policy.