There are a number of exemptions from the application of the CCPA.  The following sets out some of the categories of Personal Information that are not subject to the CCPA, and therefore are not covered by this California section of the Privacy Policy. Note that other sections of the Privacy Policy may still apply in addition to other privacy notices that we may issue addressing our specific relationship with you, including privacy notices that are sent to individuals.

• Health or medical information that we collect and that is subject to the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the California Confidentiality of Medical Information Act or the Health Information Technology for Economic and Clinical Health Act. The Company provides a separate HIPAA privacy notice to certain individual consumers as required under applicable laws and regulations.
  
  
• Information we collect in connection with the issuance of financial products or services to you that are to be used primarily for your personal, family, or household purposes and that is subject to the Gramm-Leach-Bliley Act (“GLBA”) or the California Financial Information Privacy Act. For example, where we provide you with a personal insurance policy, or where we handle a claim from you as an individual. Note that this exclusion may not apply to all of your Personal Information, including to personal information collected before you become a customer. The Company provides a separate GLBA privacy notice to certain individual consumers as required under applicable laws and regulations.
  
  
• Information we collect and provide for use that is subject to the Fair Credit Reporting Act.
  
  
• Information we collect as a motor vehicle record and that is subject to the Driver’s Privacy Protection Act of 1994.
  
  
• Publicly available information from government records, and information we have a reasonable basis to believe is lawfully made available to the general public by you or by widely distributed media, or by a person to whom you have disclosed the information and not restricted it to a specific audience.
  
  
• Deidentified or aggregated information.
  
  
• Characteristics of Protected Classifications under California or Federal Law, such as age (40 years or older), race, ancestry, national origin, citizenship, religion or creed, marital status, pregnancy, medical condition, physical or mental disability, sex, sexual orientation, and veteran or military status.
  
  
• Usage Data, such as Internet or other electronic network activity information regarding a California resident’s interaction with portals, Internet websites, applications, or advertisements, including, but not limited to, browsing history, clickstream data, search history and content of public posts.
  
  
• Biometric Information, such as individual biological or behavioral characteristics including measurements of physical characteristics such as height, weight and blood pressure, sleep, health, or exercise data that contain identifying information.
  
  
• Education Information, such as education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes and student disciplinary records.
  
  
• Geolocation Data, such as physical location or movements.
  
  
• Audio, Video and Other Electronic Data, such as audio information including call recordings, video and photographs, recorded meetings and webinars, and CCTV footage to secure our offices and premises.
  
  
• Professional or Employment-Related Information, such as employment history, qualifications, licensing, and disciplinary record.
  
  
• Inferences and Preferences, such as inferences drawn from any of the information described in this section about a consumer including inferences reflecting the consumer’s preferences, characteristics, behavior and abilities.
  
  
• Sensitive Personal Information, such as social security number, driver’s license number, racial or ethnic origin, citizenship or immigration status, religious or philosophical beliefs, medical condition, and physical or mental disability.

As described in the “How We Use Personal Information” section above, in general, we collect and otherwise process the personal information we collect for the following business or commercial purposes:

• Operate our business;
• Provide you products and services;
• Communicate with you;
• Evaluate and improve our products and services;
• Analytics models to support our business;
• Marketing and advertising;
• Inferences;
• Find locations on request;
• Fraud and security purposes;
• Legal requirements;
• Business transfers; and
• Other operational and business purposes.