SS Collective Privacy Policy Effective Date: October 26, 2025 Last Updated: October 26, 2025 1. Introduction SS Collective (“Company,” “we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with us through our website www.thesscollective.com, social media platforms (including TikTok), email, SMS/text communications, and other digital or offline channels. By accessing or using our services, you consent to the practices described in this Privacy Policy. 2. Who We Are SS Collective is an independently owned Insurance Consultancy & Financial Services business based in Oakland, California, providing insurance, financial education, and related advisory services throughout the United States. As a sole proprietorship, SS Collective complies with federal and state data privacy standards applicable to insurance and financial professionals, including but not limited to HIPAA (when applicable), GLBA, and CCPA (California Consumer Privacy Act). Mailing Address: SS Collective PO Box 5522 Concord, CA 94524 Email: info@thesscollective.com Website: www.thesscollective.com 3. Information We Collect We may collect the following categories of information: - Personal Identification: Name, date of birth, address, email, and phone number. - Financial Information: Employment, income, insurance details, or other data necessary for insurance or financial service recommendations. - Communication Data: SMS/text messages, emails, and call logs related to your inquiries. - Digital Information: IP address, device information, browser type, referral source, and engagement data from our website, TikTok lead forms, and other marketing channels. - Consent Data: Records of consent for communications or marketing activities. 4. How We Collect Information We collect data through: - Direct submissions via TikTok lead forms, website contact forms, and newsletter sign-ups. - Communications by phone, email, or SMS/text. - Cookies and analytics tools when you visit our website. - Authorized data-sharing with insurance carriers and approved third-party systems (e.g., CRM software). 5. Use of Information Your data may be used to: - Respond to inquiries and provide insurance or financial service recommendations. - Process applications, quotes, and policy information. - Deliver marketing communications, promotions, or educational materials (with your consent). - Maintain compliance with applicable state and federal insurance regulations. - Improve website functionality and marketing effectiveness. 6. Data Sharing & Disclosure We do not sell or rent personal data. We may share information only with: - Insurance carriers and underwriters to process applications and service policies. - Authorized vendors and CRM platforms for secure data management and communication. - Legal or regulatory authorities when required by law. All third parties are required to maintain confidentiality and protect data according to industry standards. 7. Data Retention We retain personal information only as long as necessary to fulfill the purpose for which it was collected, to comply with legal or regulatory obligations, or to defend against potential claims. 8. Security We use administrative, technical, and physical safeguards to protect your personal data from unauthorized access, alteration, or disclosure. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security. 9. Your Rights If you are a U.S. resident, you may: - Request access to or correction of your data. - Withdraw consent from marketing communications at any time. - Request deletion of personal data where legally permissible. Requests can be submitted to info@thesscollective.com. 10. Communications & Marketing Consent By submitting your information via TikTok, our website, email, or text, you consent to receive communications (including automated SMS/text messages or emails) related to insurance, retirement, and financial education from SS Collective. Message and data rates may apply. You may opt out at any time by replying “STOP” or unsubscribing from emails. 11. Social Media & Online Advertising SS Collective uses social media platforms such as TikTok, Instagram, and Facebook to promote educational content and marketing offers. When you engage with our social content or submit information through lead forms, these platforms may collect additional information subject to their respective privacy policies. SS Collective is not responsible for how third-party platforms handle your data. We recommend reviewing TikTok’s Privacy Policy here: https://www.tiktok.com/legal/privacy-policy 12. Sole Proprietor Disclaimer As a sole proprietor, all data collected is maintained under the responsibility of SS Collective and its owner. We ensure that all communications, data storage, and lead processing adhere to current U.S. privacy and compliance standards for independent insurance agents. All business operations are conducted under secure systems and with confidentiality consistent with professional insurance and financial advisory obligations. 13. Changes to This Policy We reserve the right to modify or update this Privacy Policy at any time. The revised version will be posted with an updated “Effective Date.” 14. Contact Us SS Collective PO Box 5522 Concord, CA 94524 Email: info@thesscollective.com Website: www.thesscollective.com 15. Social Media Disclaimer By submitting your information through any SS Collective lead form or social media platform, you consent to be contacted via phone, email, or text message for insurance and financial service purposes. Your information is never sold. Consent is not a condition of purchase.