California Consumer Privacy Act (CCPA) Notice

At Bestow, we use data to modernize the life insurance application process

This California Privacy Notice describes how Bestow Inc. and Bestow Agency LLC dba Bestow Insurance Administration Services LLC in CA, (“Bestow,” “we”, “us” or “our”) collect, use, and disclose the Personal Information of California residents, including through our websites (the “Website”). It does not address Personal Information that we collect, use, or disclose in our capacity as a service provider to our customers; their privacy notices relate to the Personal Information they direct us to collect or process on their behalf.

“Personal Information” is any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.

To understand how Bestow handles all personal information, see the Bestow Privacy Policy.

Notice at Collection - What categories of Personal Information do we collect?

We collect the following categories of Personal Information relating to California residents:

• Personal identifiers: name, address, telephone number, IP address, and other contact information.
• Commercial Information: products purchased or considered.
• Internet or network activity information: navigation, website interaction activity and browsing history on our website (such as pages visited and links clicked); device and browser type; and information regarding your interaction with our advertisements; and marketing attribution parameters appended to URLs when you arrive at our Website from a marketing campaign (such as utm_source, utm_medium, utm_campaign, utm_term, and utm_content).
• Audio, electronic, or visual information: call recordings of customer service calls; transcription of calls used to enhance notetaking.
• Professional Information: job title, information about your employer, such as work history and prior employer.
• Inferences drawn from any of the Personal Information listed above.

Notice at Collection: Purposes for collection

We collect your Personal Information for the following purposes:

• To respond to your request or to communicate with you;

• To provide you with the information or the products and services you requested;
• To send email and marketing communications, and/or newsletters;
• To provide support related to our products and services;
• To analyze and improve our services, including analyzing usage trends to enhance your experience with our services;
• To display advertisements and other personalized content;
• To improve, enhance, and repair the functionality of our products and services;
• To maintain the security of the Website, including maintaining internal records;
• To detect fraud and activities that violate our contracts or that are illegal;
• To conduct diligence on companies you may represent;  
• To enforce our Terms of Use;
• To protect our rights and the rights and safety of others; and
• To comply with applicable laws and requirements.

Notice at Collection: Retention periods

We may retain Personal Information for as long as reasonably necessary to fulfill the purposes for which it was collected. In some circumstances, we may retain Personal Information for longer periods of time as may be necessary to comply with legal or regulatory requirements, as permitted by law, or to defend legal claims or resolve disputes.

Notice at Collection: Categories of Personal Information we sell or share

We may sell the following categories of Personal Information (according to the broad definition of “sell” under California’s privacy law) or share them for purposes of cross-context behavioral advertising: personal identifiers (including IP address), internet or other electronic activity information (including engagement with our website and other websites or platforms), and inferences.

These categories of Personal Information are sold to or shared for cross-context behavioral advertising or targeted advertising with advertising networks, data brokers and other companies that facilitate or engage in digital advertising . We engage in such sales and sharing to facilitate personalized advertising.  

To opt out of such sales and sharing of Personal Information for cross-context behavioral advertising, click the "Do Not Sell or Share My Personal Information" link in the footer of the website.

We  do not sell or share for cross-context behavioral advertising any of the other categories of Personal Information we collect.

From where do we collect your Personal Information?

We collect Personal Information from:

• Website interactions
• California residents
• Operating Systems, platforms, and ISPs
• Public records
• Social media platforms

No use or disclosure of sensitive information

We do not use or disclose sensitive Personal Information to create profiles about or infer characteristics about individuals, or for any purposes that would give rise to the right to limit this use of sensitive information under applicable laws.

Disclosure of Personal Information for business purposes in the past 12 months

In the 12 months prior to the date of this Policy, we disclosed the following categories of Personal Information to our service providers and contractors for a business purpose:

• Personal identifiers: name, address, telephone number, IP address, and other contact information.
• Commercial Information: products purchased or considered.
• Internet or network activity information: browsing history and Website interactions; device and browser type; and information regarding your interaction with our advertisements; and marketing attribution parameters appended to URLs when you arrive at our Website from a marketing campaign (such as utm_source, utm_medium, utm_campaign, utm_term, and utm_content), which are stored in our customer relationship management system against individual user records.

• Audio, electronic, or visual information: call recordings of customer service calls; transcription of calls used to enhance notetaking.
• Professional Information: job title, information about your employer, such as work history and prior employer.
• Inferences drawn from any of the Personal Information listed above.

Business purposes for disclosures of Personal Information

We disclose Personal Information for the following business purposes: to manage customer, supplier and vendor accounts and relationships; process payments; verify customers’ identities; fulfill orders and transactions; engage in advertising and marketing; operate our IT systems and secure our systems; prevent fraud and other illegal activities; and to obtain professional advice about legal and accounting matters.    

We may also disclose Personal Information as required or permitted by law to comply with a subpoena or similar legal process or government request, or when we believe in good faith that disclosure is legally required or otherwise necessary to protect our rights and property or the rights, property or safety of others, including to law enforcement agencies, and judicial and regulatory authorities. We may also disclose Personal Information to other persons or entities to help detect and protect against fraud or data security vulnerabilities. And we may disclose or transfer Personal Information in the event of an actual or potential sale, merger, reorganization of our entity or other restructuring.

Our use of cookies and other tracking technologies

Cookies are unique identifiers that we place on your device to enable our systems to recognize your device and to improve your online experience. A cookie is a small text file containing a unique identification number that is transferred from a Website to the hard drive of a user's computer, often used to provide you with a customized experience. We may use cookies, pixels and other similar online tracking technologies (collectively, “cookies”) to analyze your use of the Website, personalize your experience, or support advertising initiatives. We may engage vendors, partners, or third parties to use cookies on the Website, and third parties (including Meta and Google) may collect information about you through their cookies on our Website.

Certain cookies are essential, which are necessary to make the Website function and will be loaded onto your browser automatically. Other cookies that are not essential may include performance or analytics cookies that evaluate and improve the performance of the Website, and advertising cookies that may show you a tailored advertisement on another Website, and social media cookies that enable you to share content on the Website.

We use cookies for different purposes, such as to ensure that you get the best possible experience when using the Website. We may also use cookies to gather statistical information about the usage of the Website to improve their functionality and for security purposes. Cookies may also allow us to display advertisements that may be of interest to you.

We use Google Analytics to evaluate the use of our Website. Google Analytics uses cookies and other identifiers to collect information, such as how often users visit a Site, what pages they visit when they do so, and what other Websites they visited prior to visiting our Website. We also use Google Ads, a service that assists in our advertising efforts. For information about Google’s privacy practices, please refer to the Google Privacy Policy: https://policies.google.com/privacy?hl=en-US#infocollect.

When you arrive at our Website from a marketing campaign, Google Analytics also captures URL-based marketing attribution parameters (such as utm_source, utm_medium, utm_campaign, utm_term, and utm_content). These parameters are stored in our customer relationship management system against individual user records and may be used to measure campaign effectiveness and to inform retargeting and lookalike audience segments. If you opt out of the sharing of your Personal Information for cross-context behavioral advertising, we will suppress your record from such audience segment uploads.

Most browsers include tools to manage or disable cookies. You can visit the help function on most browsers to modify how your browser handles cookies. However, if you disable cookies, certain features of this Website may not function or function properly. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.

You may also have the right to opt out of the placement of certain cookies when you visit our Website. See What Are Your California Privacy Rights ? section below for more information.

Links to third-party websites

Our Website may contain links to third-party websites. We do not control third-party Websites and are not responsible for any information you may provide while on such third-party websites. Any information provided on such websites is governed by the privacy policies of the third-party websites and not this Privacy Policy. We encourage you to read the privacy policies on those websites before providing your information on such websites.

Children’s privacy

This Website is not intended for children under 13 years of age, and we do not knowingly collect Personal Information from children under 13. If you are under 13, you are prohibited from using or providing any information through this Website or any of its features. We do not knowingly sell or share for cross-context behavioral advertising the Personal Information of California residents under age 16 without their consent.

How we secure your Personal Information

We have implemented commercially reasonable precautions to protect the Personal Information we collect from loss, misuse, and unauthorized access, disclosure, and destruction. Please note that no method of transmission over the Internet or means of electronic storage is absolutely secure and no data security measures can guarantee 100% security, and we cannot guarantee the absolute security of your Personal Information. You should take steps to protect against unauthorized access to your password, devices, and computer by, among other things, choosing a robust password and keeping your log-in and password private.

What are your California Privacy Rights?

If you are a California resident, you may have certain rights regarding Personal Information covered by the CCPA; however, these rights are not absolute, and in certain cases, we may decline your request as permitted by law.

Right to know

You can request the following information collected since January 1, 2022:

• Categories of Personal Information we have collected about you.
• Categories of sources from which we collected such Personal Information.
• Categories of your Personal Information the business sold, shared for cross-context behavioral advertising, or disclosed for a business purpose.
• Categories of third parties to whom your Personal Information was sold, shared for cross-context behavioral advertising, or disclosed.
• The business or commercial purpose for collecting, selling, or sharing for cross-context behavioral advertising your Personal Information .

Right to access

You can request a copy of the Personal Information we have collected about you.

Right to delete

You can ask us to delete the Personal Information we have collected from you.

Right to correct

You can ask us to correct any inaccurate Personal Information we have about you.

Right to opt out of sale or sharing for cross-context behavioral advertising

You can ask us to not sell your Personal Information and to not share your Personal Information for cross-context behavioral advertising.

Nondiscrimination

You are entitled to exercise the rights described above free from discrimination. This means that we will not penalize you for exercising your rights by taking actions such as denying you services; increasing the price or rate of services; decreasing service quality; or suggesting that we may penalize you as described above for exercising your rights.

How can you exercise your rights?

Rights to Know, Access, Delete, Correct

California residents can exercise their rights to know, access, delete, and correct their Personal Information by:

• completing the CCPA form
• calling us toll free at 833-300-0603

We will need to confirm your identity by matching information you provide to us with the Personal Information we have about you to process your request to exercise your information, access, or deletion rights. We can’t process your request if you don’t provide us with sufficient detail to allow us to understand and respond to it.

Rights to Opt Out

California residents may exercise rights to opt out [CCPA form].

Opt-out Preference Signals and Do Not Track

An opt-out preference signal is sent by a platform, technology, or mechanism on behalf of consumers and communicates a consumer’s choice to opt out of the sale and sharing of Personal Information for cross-context behavioral advertising with all businesses that recognize the signal, without having to make individualized requests.  The signal can be set on certain browsers or through opt-out plug-in tools.  

We recognize the Global Privacy Control signal when sent from IP addresses from California, and do so at the browser level. This means we will recognize the signal for the browser through which the signal is sent.  If you would like more information about opt-out preference signals, including how to use them, the Global Privacy Control Website has such information (https://globalprivacycontrol.org/).

We do not respond to the DNT or “Do Not Track” signal.

Exercising Your Rights Using Authorized Agents

Agents may submit opt-out requests [CCPA form].  

If you are a California resident and you use an agent to submit other types of requests, the agent will need to provide us with your signed permission indicating the agent has been authorized to submit the request on your behalf.  You will also be required to verify your identity directly with us or confirm with us that you provided the agent with permission to submit the request. Agents can submit requests on behalf of California residents (other than opt-out requests) [[email protected]].  

Please note that this subsection does not apply when an agent is authorized to act on your behalf pursuant to a valid power of attorney.  Any such requests will be processed in accordance with state law pertaining to powers of attorney.

Changes to this California Consumer Privacy Act Notice

We may change or update this notice from time to time. When we do, we will post the revised Notice on our site with a new “Last Updated” date.  If the changes are material, we will notify you through our Website.

‍Contact Us

If there are any questions regarding this Privacy Notice or to request a copy of it in another format you may contact us at [[email protected]].

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Last Updated: Jun 12, 2026