Privacy Policy

Information you provide to us

When you complete our request form or otherwise contact us, we collect the information you choose to give us: your name, title, work email address, organization name, phone number (optional), the approximate number of employees on your health plan, your plan's funding type, your renewal month (optional), your broker's name (optional), and any message you include.

Information collected automatically

When you visit the Site, we and our analytics and advertising providers automatically collect certain technical and usage information through cookies and similar technologies, including your IP address, device and browser type, operating system, the pages you view, the links you click, referring and exit pages, and the dates and times of your visits. See "Cookies and Tracking Technologies" below.

Information we do not collect

We do not knowingly collect Social Security numbers, driver's license or government identification numbers, financial account or payment card numbers, precise geolocation, biometric data, or any health or medical information through this Site.

We use first- and third-party cookies, pixels, tags, and similar technologies to operate the Site, understand how it is used, and measure and improve our marketing. The principal third-party technologies we use are:

• Google Analytics (provided by Google LLC) — helps us understand Site traffic and usage. Google may set cookies and process usage data on our behalf.
• Meta Pixel (provided by Meta Platforms, Inc.) — helps us measure the performance of our advertising and show relevant ads to past visitors on Meta platforms such as Facebook and Instagram. This involves sharing certain online activity data with Meta for cross-context behavioral (interest-based) advertising.

Your choices

You can manage or refuse cookies through your browser settings, though some features of the Site may not function properly without them. You may also use the controls below:

Opt out of Google Analytics, opt out of interest-based advertising through industry tools, and manage your Meta ad preferences: Google Analytics Opt-out · DAA WebChoices · NAI Opt-out · Meta Ad Preferences

We support the Global Privacy Control (GPC). If you visit the Site with a browser or extension that transmits a GPC signal, we treat it as a valid request to opt out of the "sale" or "sharing" of personal information for the browser and device from which it is sent.

We use the information described above to:

• respond to your inquiry, prepare your savings analysis, and communicate with you about your request;
• operate, maintain, secure, and improve the Site and our services;
• measure, analyze, and improve our marketing, including analytics and retargeting advertising;
• detect, prevent, and address fraud, abuse, security incidents, and technical issues; and
• comply with legal obligations and enforce our agreements and policies.

We do not sell your personal information for money. We disclose information only as described here:

• Service providers. We share information with vendors that perform services for us, such as website hosting (Vercel Inc.), email delivery of your inquiry (Resend), analytics (Google), and advertising (Meta). These providers are permitted to use the information only to provide services to us.
• Legal and safety. We may disclose information to comply with applicable law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of EZRAAG, our users, or others.
• Business transfers. If EZRAAG is involved in a merger, acquisition, financing, reorganization, or sale of assets, information may be transferred as part of that transaction.
• With your direction. We disclose information when you ask us to or otherwise consent.

A note on "sharing" under California law

Our use of analytics and advertising cookies — particularly the Meta Pixel — may be considered a "sale" or "sharing" of personal information for cross-context behavioral advertising under the California Consumer Privacy Act, even though no money changes hands. You may opt out at any time using the controls in "Cookies and Tracking Technologies" and the methods in "Your California Privacy Rights."

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA"), gives you the rights described below.

Categories of personal information we collect

In the past 12 months, we have collected the following categories of personal information, from the sources and for the purposes described in this Policy:

• Identifiers — such as name, email address, and IP address.
• Customer records and contact information — such as company name and business contact details.
• Commercial information — such as the services or meeting you are interested in.
• Internet or network activity — such as browsing and interaction data collected via cookies.
• Professional or employment-related information — such as your role and your organization's approximate size.
• Inferences — limited inferences about your interests drawn from the above (for example, advertising audiences).

We do not collect "sensitive personal information" as defined by the CCPA, and we do not use or disclose personal information for purposes that would give rise to a right to limit its use.

Your rights

• Right to know and access the personal information we have collected about you.
• Right to delete personal information, subject to legal exceptions.
• Right to correct inaccurate personal information.
• Right to opt out of the "sale" or "sharing" of personal information for cross-context behavioral advertising.
• Right to non-discrimination for exercising any of these rights.

How to exercise your rights

To submit a request, email us with "Privacy Request" in the subject line. We will verify your request using information reasonably necessary to confirm your identity and respond within the timeframes required by law (generally within 45 days). You may use an authorized agent to submit a request on your behalf, and we may require proof of authorization. To opt out of the sale or sharing of personal information, you may email us, use the cookie controls above, or transmit a Global Privacy Control signal. ezra@ezraagconsulting.com

Shine the Light

California Civil Code Section 1798.83 permits California residents to request information about a business's disclosure of personal information to third parties for those third parties' own direct marketing purposes. We do not disclose personal information to third parties for their own direct marketing.

We keep personal information for as long as necessary to fulfill the purposes described in this Policy — including to respond to your inquiry, maintain business and financial records, and comply with our legal obligations — after which we delete or de-identify it. Aggregated or de-identified data may be retained for longer.

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we collect. However, no website, internet transmission, or method of electronic storage is completely secure, and we cannot guarantee absolute security.

The Site is intended for businesses and professionals and is not directed to children. We do not knowingly collect personal information from anyone under 16 years of age, and we do not sell or share the personal information of consumers we know to be under 16. If you believe a child has provided us with information, please contact us and we will delete it.

The Site may link to third-party websites or services that we do not operate or control. This Policy does not apply to those third parties, and we are not responsible for their content or privacy practices. We encourage you to review the privacy policies of any third-party services you use, including those of Google and Meta.

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above, and material changes take effect when posted. Your continued use of the Site after an update constitutes acceptance of the revised Policy.

If you have questions about this Privacy Policy or our privacy practices, or wish to exercise your rights, contact us:

EZRAAG LLC — Ezra A. Gonzalez, California insurance license #4366085.

Email: ezra@ezraagconsulting.com

A mailing address is available on request.