California Privacy Policy

Go Maggie Insurance Services, LLC Privacy Policy (California Residents/CCPA)

Effective Date: November 21, 2025

Last Updated on: November 21, 2025

This California Privacy Policy describes how Go Maggie Insurance Services, LLC and Ready Lend LLC dba GoMaggie Lending and their subsidiaries, affiliates, and related entities (collectively, "Business" “Go Maggie," "we," or "us") collect and process personal information about our consumers who reside in California. The California Consumer Privacy Act ("CCPA") requires us to provide our California consumers with a privacy policy that contains a comprehensive description of our online and offline practices regarding our collection, use, sale, and sharing, and retention of their personal information, along with a description of the rights they have regarding their personal information. This Privacy Policy provides the information the CCPA requires, together with other useful information regarding our collection and use of personal information. Any terms defined in the CCPA have the same meaning when used in this policy.

This Privacy Policy does not apply to our collection and use of personal information from residents outside of California. Consumers residing in other locations should see our general privacy notice at: https://gomaggie.secure-engine.com/privacy-policy/.

Personal Information Collected

We collect and use information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household ("personal information"). Personal information does not include:

Publicly available information, including from government records, through widely distributed media, or that the consumer made publicly available without restricting it to a specific audience.
Lawfully obtained, truthful information that is a matter of public concern.
Deidentified or aggregated consumer information.
Information excluded from the CCPA's scope, like:

health or medical information covered by the Health Insurance Portability and Accountability Act (HIPAA) and the California Confidentiality of Medical Information Act (CMIA), clinical trial data, or other qualifying research data; or
personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act.

Personal Information Categories Chart

The chart below identifies which categories of personal information we collected from our consumers within the last 12 months and the expected retention period.

Examples

Collected

A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

Yes

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) ("California Customer Records").

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

Some personal information included in this category may overlap with other categories.

Yes

C. Protected classification characteristics under California or federal law ("Protected Classes").

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, reproductive health decisionmaking, military and veteran status, or genetic information (including familial genetic information).

Yes

D. Commercial information.

Records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Yes

F. Internet or other similar network activity.

Activity on our websites, mobile apps, or other digital systems, such as internet browsing history, search history, system usage, electronic communications with us, postings on our social media sites.

Yes

L. Sensitive personal information.

Further identified in the chart below.

Yes

Sensitive Personal Information Categories Chart

Sensitive personal information is a subtype of personal information consisting of the specific information categories listed in the chart below. Importantly, the CCPA only treats this information as sensitive personal information when we collect or use it to infer characteristics about a consumer.

The chart below identifies which sensitive personal information categories, if any, we have collected from consumers to infer characteristics about them in the last 12 months.

Sensitive Personal Information Category

Collected to Infer Characteristics?

L.1. Government identifiers, such as your Social Security number (SSN), driver's license, state identification card, or passport number.

Yes

Sources of Personal Information

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

Directly from you, such as from the forms or other information you provide to Go Maggie.
Indirectly from you, such as from your interactions with Go Maggie's websites, mobile applications, or your our advertising network’s landing pages.
From our service providers, such as data analytics providers, advertising networks, and lead providers.
Government databases, such as departments of motor vehicles.
Other customers, such as from referral programs.
Inferences generated by Go Maggie's or our service providers' computer systems.

How We Use Personal Information

Personal Information Collection, Use, and Disclosure Purposes

We may use and disclose the personal information, including sensitive personal information, we collect to advance Go Maggie's business and commercial purposes, specifically to:

Develop, offer, and provide you with our products and services, including selling property casualty insurance policies.
Meet our obligations and enforce our rights arising from any contracts with you, including for billing or collections, or to comply with legal requirements.
Fulfil the purposes for which you provided your personal information or that were described to you at collection, and as the CCPA otherwise permits.
Improve our products or services, marketing, or customer relationships and experiences.
Notify you about changes to our products or services.
Administer our systems and conduct internal operations, including for troubleshooting, data analysis, testing, research, statistical, and survey purposes.
Protect our Business, employees, or operations.
Measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you.
Make suggestions and recommendations to you and other consumers about our goods or services that may interest you or them, including developing profiles.
Manage your consumer relationship with us, including for:

Perform data analytics and benchmarking, for example, matching information you provide us with other information available about you.
Administer and maintain Go Maggie's systems and operations, including for safety purposes.
Engage in corporate transactions requiring review of consumer records, such as for evaluating potential Go Maggie mergers and acquisitions.
Comply with all applicable laws and regulations.
Exercise or defend the legal rights of Go Maggie and its employees, and affiliates, customers, contractors, and agents.
Respond to law enforcement requests and as required by applicable law or court order.

Sensitive Personal Information Use and Disclosure Purposes

We may use or disclose sensitive personal information for the following statutorily approved reasons (Permitted SPI Purposes):

Performing actions that are necessary for our consumer relationship and that an average consumer in a relationship with us would reasonably expect.
Preventing, detecting, and investigating security incidents that compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information.
Defending against and prosecuting those responsible for malicious, deceptive, fraudulent, or illegal actions directed at Go Maggie.
Ensuring physical safety.
Short-term, transient use, such as non-personalized advertising shown as part of your current interactions with us, where we do not:

We do not use or disclose sensitive personal information for purposes other than the Permitted SPI Purposes.

Additional Categories or Other Purposes

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice. If required by law, we will also seek your consent before using your personal information for a new or unrelated purpose.

We may collect, process, and disclose aggregated or deidentified consumer information for any purpose, without restriction. When we collect, process, or disclose aggregated or deidentified consumer information, we will maintain and use it in deidentified form and will not to attempt to reidentify the information, except to determine whether our deidentification processes satisfies any applicable legal requirements.

Disclosing, Selling, or Sharing Personal Information

Business Purpose Disclosures

We may disclose the personal information we collect to third parties for the business purposes described in the Personal Information Collection, Use, and Disclosure Purposes section and in the table below, such as to engage third parties to support our business functions. For example, we may disclose information from your visits to Go Maggie's website to a cybersecurity consultant to help secure the website.

We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, prohibit using the disclosed information for any purpose except performing the contract, and meet the CCPA's other contract requirements for engaging service providers or contractors.

The chart below identifies the categories of entities to whom we have disclosed our consumers' personal information for a business purpose over the preceding 12 months, along with the personal information categories disclosed and the disclosure's business purposes.

Business Purposes Disclosure Recipient Category, Personal Information Category, and Purposes Chart

Category of Business Purpose Disclosure Recipients

Personal Information Categories Disclose

Sensitive Personal Information Categories Disclosed

Business Purpose Disclosures

Purchasing an insurance policy

A. Identifiers.
B. California Customer Records.
D. Commercial information.

None

To determine pricing for insurance policies purchased from us.

Customer Service Support Providers

A. Identifiers.
B. California Customer Records.
C. Commercial Information.
D. Internet or other similar network activity.
K. Inferences.

None

To support customers with using our products and services, including online account management and troubleshooting.

Advertising networks

A. Identifiers.
B. California Customer Records.
C. Protected Classes.
D. Commercial information.
E. Internet or Network Activity.
F. Geolocation data.
G. Inferences.

None

To deliver location-based advertising.

Selling or Sharing Personal Information

We may sell your personal information to third parties but have not sold it in the preceding 12 months. We may share your personal information with third parties for cross-context behavioral advertising purposes and have shared your personal information in the preceding 12 months.

Our personal information sales and sharing does not include information about consumers we know are under age 16.

Third Party Personal Information Sales or Sharing] Recipient Category, Personal Information Category, and Purposes Chart

Category of Third Parties We Sold or Shared Personal Data With

Personal Information Sold or Shared

Sensitive Personal Information Sold or Shared

Commercial or Business Purpose

MARKETING PARTNER

A. Identifiers.
B. California Customer Records.
C. Protected Classes.
D. Internet or other similar network activity.
E. Geolocation data.

None

To increase Business revenue.

DATA BROKER

A. Identifiers.
B. California Customer Records.
C. Protected Classes.
D. Internet or other similar network activity.
E. Geolocation data.
F. Inferences.

None

To increase Business revenue.

To learn more about our customers.

Your Rights and Choices

If you are a California resident, the CCPA grants you the following rights regarding your personal information:

Right to Know and Data Portability Requests

You have the right to request that we disclose certain information to you about our collection and use of your personal information (the "right to know"), including the specific pieces of personal information we have collected about you (a "data portability request"). Our response will cover the 12-month period preceding the request, although we will honor requests to cover a longer period that do not extend past January 1, 2022, unless doing so would be impossible or involves disproportionate effort. You may make exercise your right to know twice within in any 12-month period. Once we receive your request and confirm your identity (see How to Exercise Your Rights), we will disclose to you:

For more on exercising this right, see Exercising the Rights to Know, Delete, or Correct.

Right to Delete and Right to Correct

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions and limitations (the "right to delete"). Once we receive your request and confirm your identity, we will delete your personal information from our systems unless an exception allows us to retain it. We will also notify our service providers, contractors, and other recipients to take appropriate action.

You also have the right to request correction of personal information we maintain about you that you believe is inaccurate (the "right to correct"). We may require you to provide documentation, if needed, to confirm your identity and support your claim that the information is inaccurate. Unless an exception applies, we will correct personal information that our review determines is inaccurate and notify our service providers, contractors, and other recipients] to take appropriate action.

For more on exercising these rights, see Exercising the Rights to Know, Delete, or Correct.

Right to Limit Sensitive Personal Information Use and Disclosure to Permitted SPI Purposes

You have a right to ask businesses that use or disclose your sensitive personal information to limit those actions to just the CCPA's Permitted SPI Purposes (the "right to limit"). As we do not use or disclose sensitive personal information beyond the CCPA's Permitted SPI Purposes, we do not currently provide this consumer right.

For more on the Permitted SPI Purposes and our additional use purposes, see Sensitive Personal Information Use and Disclosure Purposes.

Personal Information Sales or Sharing Opt-Out and Opt-In Right

You have the right to request that businesses stop selling or sharing your personal information at any time (the "right to opt-out"), including through a user-enabled opt-out preference signal. Similarly, the CCPA prohibits businesses from selling or sharing the personal information of consumers it actually knows are under 16 years old without first obtaining consent from consumers who are between 13 and 15 years old or the consumer's parent or guardian for consumers under age 13 (the "right to opt-in")

Right to Non-Discrimination

You have the right not to be discriminated or retaliated against for exercising any of your privacy rights under the CCPA.

How to Exercise Your Rights

Exercising the Rights to Know, Delete, or Correct

To exercise the right to know, data portability, delete, or correct described above, please submit a verifiable request to us by either:

Please describe your request with sufficient detail so we can properly understand, evaluate, and respond to it. You or your authorized agent may only submit a request to know, including for data portability, twice within a 12-month period.

Exercising the Right to Limit or Opt-Out

You can submit your request to limit or opt-out through:

An interactive form accessible via the ["Limit the Use of My Sensitive Personal Information" link/[HYPERLINKED FORM TITLE]] [and/or] ["Do Not Sell or Share my Personal Information" link/[HYPERLINKED FORM TITLE]] OR ["Your [California] Privacy Choices" link/[ALTERNATIVE OPT-OUT LINK]];
Emailing service@get-parachute.com;
Calling 855-314-3233;

You can also submit your request to opt-out of personal information sales and sharing through an opt-out preference signal.

[HYPERLINKED URL with the title "Notice of Right to Opt-out of Sale/Sharing"]

Verification Process and Authorized Agents

Only you, or someone legally authorized to act on your behalf, may make a request to know, delete, or correct related to your personal information.

We cannot respond to your request to know, delete, or correct if we cannot verify your identity or authority to make the request and confirm the personal information relating to you. We will only use personal information provided in the request to verify the requestor's identity or authority to make the request.

For requests to limit or opt-out, we ask for the information necessary to complete the request, which may include, for example, the consumer's name, email address, or account username.

Responding to Your Requests to Know, Delete, or Correct

We will confirm receipt of your request within ten business days. If you do not receive confirmation within the ten-day timeframe, please contact Emailing us at service@get-parachute.com.

We endeavor to substantively respond to a verifiable request within 45 days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing. We will deliver our written response to your[verified email address. Our substantive response will tell you whether or not we have complied with your request. If we cannot comply with your request in whole or in part, we will explain the reason, subject to any legal or regulatory restrictions. Applicable law may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, deleted, or made your personal information anonymous in compliance with our record retention policies and obligations.

Any disclosures we provide will cover information for the 12-month period preceding the request's receipt date. We will consider requests to provide a longer disclosure period that do not extend past January 1, 2022, unless providing the longer timeframe would be impossible or involves disproportionate effort.

For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically in a excel or google sheet file.

We do not charge a fee to process or respond to your verifiable request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Response and Timing on Rights to Limit or Opt-Out

In response to your request to limit or opt-out, we will process your request, as soon as feasibly possible, but no later than 15 business days from the date we receive the request. We will only use personal information provided from your request to comply with the request.

We will also notify our service providers, contractors, and certain other downstream recipients of your request to limit or opt-out and instruct them to both:

We may deny opt-out requests if we have a good-faith, reasonable, and documented belief that the request is fraudulent and will clearly explain our denial decision to the requestor.

Once you make a request to limit or opt-out, we will wait at least 12 months before asking you to reauthorize personal information sales or sharing.

Mortgage services are. Offered by GoMaggie Mortgage is a registered trade name of Ready lend LLC - NMLS - 771688

Insurance services are offered through Go Maggie Insurance Service NPN Number 19303869

Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur