SS COLLECTIVE PRIVACY POLICY Effective Date: September 4, 2026 Last Updated: September 4, 2026 1. Introduction SS Collective (“SS Collective,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information when you interact with SS Collective through our website, online forms, social media platforms, email, SMS/text communications, consultations, events, digital products, and other online or offline channels. By using our website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy. 2. Who We Are SS Collective is an independently owned sole proprietorship based in California providing insurance services, financial education, financial wellness and preparedness resources, retirement-related education and solutions, transition and wealth-preservation education, cremation pre-planning assistance, consultations, and related services. Certain insurance and financial products or services may be offered through appropriately licensed insurance carriers, financial institutions, service providers, or other third parties. Mailing Address: SS Collective PO Box 5522 Concord, CA 94524 Email:[info@thesscollective.com](mailto:info@thesscollective.com) California Insurance License: 0I34902 3. Information We May Collect Depending upon your interaction with us, we may collect: Contact and identifying information, including your name, email address, telephone number, mailing address, date of birth, and other information you voluntarily provide. Insurance and financial information, including information concerning existing insurance coverage, financial goals, income, employment, beneficiaries, retirement needs, household circumstances, or other information reasonably necessary to assist with your inquiry. Transaction information, including records relating to products, services, consultations, or digital products you request or purchase. Payment information may be processed by third-party payment processors. SS Collective does not necessarily receive or retain complete payment-card information. Communication information, including emails, text messages, telephone inquiries, appointment information, contact-form submissions, and other communications with us. Technical and website formation, which may include IP address, device type, browser, referring website, pages visited, cookies, analytics information, and other information generated through use of our website. Marketing and consent information, including communication preferences and records of consent where applicable. 4. How We Collect Information We may collect information: * Directly from you; * Through our website and contact forms; * Through appointment and consultation forms; * Through purchases and downloads; * Through social-media lead forms; * Through telephone, email, SMS/text, or in-person communications; * Through cookies, analytics, and similar technologies; and * From insurance carriers, service providers, or other parties when authorized or permitted by law. 5. How We Use Information We may use personal information to: * Respond to inquiries; * Schedule and conduct consultations; * Evaluate insurance or protection needs; * Request or provide insurance quotes; * Facilitate insurance applications and servicing; * Assist with cremation pre-planning inquiries; * Provide educational resources and digital products; * Communicate information about services, events, resources, or offers; * Maintain customer and prospect records; * Operate and improve our website and services; * Maintain security and prevent fraud; * Comply with applicable insurance, business, tax, recordkeeping, and legal requirements; and * Protect the rights and interests of SS Collective, our clients, and others. 6. Insurance Applications and Third Parties When you request an insurance quote, apply for coverage, or request another third-party product or service, information may need to be provided to insurance carriers, underwriting organizations, administrators, financial institutions, technology providers, or other parties involved in evaluating, issuing, administering, or servicing that product. Those organizations may maintain their own privacy practices and policies. 7. Sharing of Personal Information SS Collective does not sell personal information for monetary compensation. We may disclose information when reasonably necessary to: * Insurance carriers and product providers; * Underwriters and administrators; * Technology, CRM, appointment, email, website, payment, and other service providers; * Professional advisers; * Governmental, regulatory, judicial, or law-enforcement authorities when legally required; or * Other parties with your authorization or as otherwise permitted by law. We seek to limit disclosure to information reasonably necessary for the applicable purpose. 8. Digital Products and Transactions When purchasing or downloading digital products through our website, information may be processed by third-party e-commerce, payment-processing, website-hosting, or delivery platforms. Those providers may collect information according to their own privacy policies and terms. 9. Cookies and Analytics Our website may use cookies and similar technologies to operate website functionality, understand visitor activity, improve performance, and measure marketing effectiveness. Your browser may allow you to restrict or disable cookies. Doing so may affect certain website functions 10. Communications and Marketing If you voluntarily provide your telephone number or email address and consent to communications, SS Collective may contact you regarding inquiries, appointments, educational information, insurance or related services, events, and promotional offers. Message and data rates may apply to SMS communications. Where applicable, you may opt out of marketing text messages by replying **STOP** and may unsubscribe from marketing emails using the unsubscribe option provided. Consent to receive marketing communications is not a condition of purchasing a product or service. Transactional, servicing, regulatory, or other non-marketing communications may still be sent when appropriate or permitted by law. 11. Social Media SS Collective maintains a presence on third-party social-media platforms. When you interact with our pages, advertisements, posts, or lead forms, the applicable platform may independently collect information about you. Information collected directly by those platforms is governed by their respective privacy practices. SS Collective does not control the privacy practices of third-party platforms. 12. Data Retention We retain personal information for as long as reasonably necessary to fulfill the purpose for which it was collected, service client relationships, maintain appropriate business and regulatory records, resolve disputes, enforce agreements, and satisfy applicable legal requirements. Retention periods may vary depending upon the type of information and service involved. 13. Data Security SS Collective uses reasonable administrative, technical, and organizational safeguards intended to protect personal information. However, no electronic transmission or storage method is completely secure. Therefore, we cannot guarantee absolute security. 14. Your Privacy Choices Subject to applicable law and any record-retention obligations, you may contact us to: * Request information concerning personal information we maintain about you; * Request correction of inaccurate information; * Request deletion where appropriate and legally permissible; * Update communication preferences; or * Withdraw marketing consent. Requests may be submitted to **[info@thesscollective.com](mailto:info@thesscollective.com)**. Certain information may need to be retained for insurance, transaction, legal, fraud-prevention, regulatory, or recordkeeping purposes. 15. Children's Privacy SS Collective's website and commercial services are not directed to children under 13, and we do not knowingly solicit personal information directly from children under 13 through the website. If we learn that such information has been collected improperly, we will take reasonable steps to address it. 16. Third-Party Websites and Services Our website may contain links to websites, platforms, products, or services operated by third parties. SS Collective does not control and is not responsible for the privacy practices, security, content, or operations of those third parties. Visitors should review the applicable third party's policies before submitting information. 17. Changes to This Privacy Policy We may update this Privacy Policy periodically to reflect changes in our services, technology, business practices, or applicable requirements. The current version will be posted on our website with an updated effective or revision date. 18. Contact Us Questions or privacy-related requests may be directed to: SS Collective PO Box 5522 Concord, CA 94524 Email: [info@thesscollective.com](mailto:info@thesscollective.com) CA Insurance License: 0I34902