School Employee Benefits (“we,” “us,” or “our”) provides this Privacy Policy to explain how we collect, use, share, and protect information when you visit schoolemployeebenefits.com (the “Site”), request a consultation, submit a form or questionnaire, or otherwise interact with us. By using the Site or providing your information to us, you agree to the practices described in this policy.
1. Who We Are
School Employee Benefits connects California school district employees and public educators with a network of independently licensed professionals — including financial advisors, insurance agents, and tax or legal specialists — who provide guidance on CalSTRS, CalPERS, retirement planning, insurance products, and related benefits. We are a referral and educational service; we are not a licensed insurance company, broker-dealer, or registered investment advisor. Any licensed professional you are connected with operates independently and is responsible for their own compliance with applicable licensing and conduct requirements.
2. Information We Collect
We collect the following categories of information:
- Information you provide directly, such as your name, email address, phone number, mailing address, employer or school district, job title, date of birth, and any information you share during a consultation request, questionnaire, or scheduling process.
- Information you provide during a consultation with a licensed professional, which may include more detailed financial, retirement, or insurance-related information. This information is collected and used by the licensed professional in accordance with their own privacy practices.
- Information collected automatically when you visit our Site, such as your IP address, browser type, device information, pages viewed, referring website, and general location, typically through cookies and similar tracking technologies.
- Information from third parties, such as advertising platforms (for example, Meta/Facebook) when you interact with our ads, or from the licensed professionals in our network regarding the status of a referral.
3. How We Use Your Information
We use the information we collect to:
- Connect you with a licensed professional appropriate to your inquiry
- Schedule and confirm consultations
- Respond to your questions and communicate with you about our services
- Operate, maintain, and improve our Site and services
- Measure and improve the performance of our advertising
- Comply with legal obligations and enforce our terms
4. How We Share Your Information
We share your information in the following circumstances:
- With the licensed professional(s) in our network who will be conducting your consultation, so they can contact you and provide the requested service.
- With service providers who help us operate our Site, scheduling tools, and communications (for example, hosting providers, email or SMS platforms, and analytics providers).
- With advertising and analytics partners (for example, Meta/Facebook, Google) to measure ad performance, in accordance with their own privacy policies.
- If required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of School Employee Benefits, our users, or others.
- In connection with a merger, acquisition, financing, or sale of business assets.
We do not sell your personal information for monetary payment. Depending on how California law defines “sale” and “sharing,” some of our advertising practices (such as the use of tracking pixels) may be considered “sharing” under the CCPA/CPRA. See Section 7 for your rights regarding this.
5. Cookies and Tracking Technologies
We and our third-party partners use cookies, pixels, and similar technologies to operate our Site, remember your preferences, and measure advertising performance. You can control cookies through your browser settings; disabling cookies may affect how the Site functions. [Insert details of specific analytics/advertising tools in use, e.g., Google Analytics, Meta Pixel, and link to any cookie preference tool if available.]
6. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this policy, including to provide services you have requested, comply with legal obligations, resolve disputes, and enforce our agreements. [Insert specific retention periods if known.]
7. Your California Privacy Rights
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you the following rights regarding your personal information:
- Right to Know — the categories and specific pieces of personal information we have collected about you, and how it has been used and shared.
- Right to Delete — request deletion of personal information we have collected from you, subject to certain exceptions.
- Right to Correct — request correction of inaccurate personal information we maintain about you.
- Right to Opt Out — opt out of the “sale” or “sharing” of your personal information, including for cross-context behavioral advertising.
- Right to Limit Use of Sensitive Personal Information — direct us to limit the use of sensitive personal information (such as financial account details) to what is necessary to provide the services you requested.
- Right to Non-Discrimination — we will not discriminate against you for exercising any of these rights.
To exercise any of these rights, please contact us using the information in Section 11. We may need to verify your identity before processing your request. You may also designate an authorized agent to make a request on your behalf.
8. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. Children's Privacy
Our Site and services are intended for adults and are not directed to children under the age of 16. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.
10. Third-Party Links
Our Site may contain links to third-party websites, including the scheduling tools or websites of licensed professionals in our network. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies.
11. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
School Employee Benefits
17011 Beach Blvd, Suite 900, Huntington Beach, CA 92647
Email: [Insert contact email]
Phone: [Insert contact phone number]
12. Changes to This Policy
We may update this Privacy Policy from time to time. The “Effective Date” at the top of this page indicates when it was last revised. Material changes will be posted on this page or otherwise communicated to you as required by law.