Effective 1/1/2020
NBS is dedicated to protecting the private data of our clients. Under state law, California residents have certain rights. These rights help you protect your private information. This policy explains these rights and how NBS uses your private information. Further, this policy describes how you may exercise your rights. This policy adds to the general privacy policy of NBS. This policy and these rights apply only to California residents.
This Notice complies with the California Consumer Privacy Act of 2018 (CCPA). Any terms defined in the CCPA have the same meanings when used in this Notice.
NBS collects certain Personal Information about you. Personal Information is data that:
However, Personal Information does not include:
Within the last 12 months, NBS may have gathered these categories of your personal data:
Category | Examples | Collected by NBS |
---|---|---|
Identifiers | real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security Number, driver’s license number, passport number, or other similar identifiers | YES |
Personal Information Categories listed in the California Customer Records Statute | name, signature, Social Security Number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance informationNote: some information in this category may overlap with other categories. | YES |
Protected Classification Characteristics under California or Federal Law | age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information) | YES |
Commercial Information | records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies | YES |
Biometric Information | genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifiers or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data | NO |
Internet or Similar Network Activity | browsing history, search history, information on a consumer’s interaction with a website, application or advertisement | NO |
Geolocation Data | physical location or movements | NO |
Sensory Data | audio, electronic, visual, thermal, olfactory, or similar information | NO |
Professional or Employment-Related Information | current or past job history or performance evaluations | YES |
Non-Public Education Information per the Family Educational Rights and Privacy Act | student schedules, identification codes, financial information, or disciplinary records | NO |
Inferences Drawn from Other Personal Information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes | NO |
NBS obtains these categories of Personal Information from these sources:
NBS will not collect additional categories of your personal information.
Primarily, NBS uses your personal information to fulfill or meet the reasons you provided the information. For example, if you share your name and contact information to ask a question about our services, NBS uses that information to respond to your request. If you share your personal data to purchase a service, then NBS uses that information to provide you that service. NBS may also use your personal information in the following ways:
NBS will not use your personal information in substantially different or unrelated ways without providing you notice.
For business or legal reasons, NBS may need to reveal your personal information to a third party. When NBS shares your personal information for business reasons, NBS enters into a contract with that third party. The contract describes how the third party may use your information. The contract also requires the third party to keep your personal information secret.
NBS shares your personal information for business reasons with the following categories of third parties:
NBS may also share your personal information for legal reasons with federal government agencies.
Within the last 12 months, NBS shared these categories of your personal data:
Category | Examples | Collected by NBS |
---|---|---|
Identifiers | real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security Number, driver’s license number, passport number, or other similar identifiers | YES |
Personal Information Categories listed in the California Customer Records Statute | name, signature, Social Security Number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance informationNote: some information in this category may overlap with other categories. | YES |
Protected Classification Characteristics under California or Federal Law | age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information) | YES |
Commercial Information | records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies | YES |
Biometric Information | genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifiers or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data | NO |
Internet or Similar Network Activity | browsing history, search history, information on a consumer’s interaction with a website, application or advertisement | NO |
Geolocation Data | physical location or movements | NO |
Sensory Data | audio, electronic, visual, thermal, olfactory, or similar information | NO |
Professional or Employment-Related Information | current or past job history or performance evaluations | NO |
Non-Public Education Information per the Family Educational Rights and Privacy Act | student schedules, identification codes, financial information, or disciplinary records | NO |
Inferences Drawn from Other Personal Information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes | NO |
NBS does not and will not sell your personal information. Further, NBS does not and will not sell the personal information of minors under 16 years of age. NBS does not offer financial incentives to someone for the purpose of:
The CCPA gives California residents certain rights concerning their personal data. This section describes those rights and explains how you can exercise those rights.
Right to Access Personal Information
You have the right to ask NBS:
You can ask NBS to disclose this information to you for free, two times per year. Once NBS receives and confirms your request (see Exercising My CCPA Rights), NBS will disclose to you:
Right to Request that Personal Information be Deleted
You have the right to ask NBS to delete any of your personal information that NBS collected from you and retained. However, some exceptions to this right exist. Once NBS receives and confirms your request (see Exercising My CCPA Rights), NBS will delete your personal information from our records unless an exception applies. NBS will also instruct our service providers to delete your personal information from their records, unless an exception applies.
NBS may deny your deletion request, in full or in part, if retaining the information is necessary for NBS or our service providers to:
Right to Opt-Out of Sales of Your Personal Information
If you are 16 years of age or older, than you have the right to direct a business not to sell your personal information at any time. However, NBS does not and will not sell your personal information. Further, NBS does not and will not sell the personal information of minors under 16 years of age. NBS does not offer financial incentives to someone for the purpose of:
Because NBS does not and will not sell your personal information, you cannot exercise your right to opt-out against NBS.
Right to Choose and Approve an Agent
Only you, or someone legally permitted to act on your behalf, may make a request related to your personal information. You have the right to choose and approve an agent to exercise any of your CCPA requests on your behalf.
Right to Non-Discrimination
You have the right to not be discriminated against for exercising any your CCPA rights. If you choose to exercise your CCPA rights, NBS will not, unless permitted by the CCPA:
To exercise your CCPA rights to access or delete your personal information as describe above, please submit a verifiable consumer request to NBS by either:
Be aware that a verifiable consumer request must provide enough detail to allow NBS to reasonably confirm that:
Your verifiable consumer request must also provide enough detail and information to allow NBS to properly:
During the verification process, NBS may require that you:
NBS will only use the personal information provided in a verifiable consumer request to confirm the requestor’s identity or authority to make the request.
Making a verifiable consumer request does not require you to create an account with NBS.
Response Timing and Format
Within 10 days of receiving your verifiable consumer request, NBS will confirm that NBS received your request. This confirmation will include information about NBS’s verification process and when you should expect a response, except where NBS has already granted or denied your request.
NBS strives to respond to a verifiable consumer request within 45 days of receiving the request. If NBS requires more time (up to 90 days total), NBS will inform you of the reason why NBS requires more than 45 days to process your request.
If NBS cannot verify your identity or the authorization of your agent, then:
NBS will deliver our written response by mail or electronically, at your option.
Any disclosures NBS provides will only cover the 12-month period preceding the date of your verifiable consumer request. The response NBS provides will also explain the reasons NBS cannot comply with a request, if applicable.
NBS does not typically charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or obviously baseless. If NBS determines that your request warrants a fee, NBS will tell you why NBS made that decision and provide you with a cost estimate before completing your request.
NBS does not and will not sell your personal information. Further, NBS does not and will not sell the personal information of minors under 16 years of age. NBS does not offer financial incentives to someone for the purpose of:
If you have questions or concerns about NBS’s privacy policies or practices, please:
NBS reserves the right to change this privacy notice at our pleasure and at any time. When we make changes to this privacy notice, we will post the updated notice on our Website and update the notice’s effective date. Your continued use of our Website following the posting of any changes represents your acceptance of such changes.
NBS made the most recent update to this policy: December 6, 2019.
NBS is not required to post request metrics for 2019 at this time. In 2019, NBS did not buy, receive, or share the personal information of more than four million Californians.
NBS 2019 CCPA Request Metrics | ||||
---|---|---|---|---|
NBS Received | NBS Complied with in Whole | NBS Complied with in Part | NBS Denied | |
Requests to Know | N/A | N/A | N/A | N/A |
Requests to Delete | N/A | N/A | N/A | N/A |
Requests to Opt-Out | N/A | N/A | N/A | N/A |
NBS 2019 CCPA Request Metrics | ||||
---|---|---|---|---|
Requests to Know | Requests to Delete | Requests to Opt-Out | ||
N/A | N/A | N/A |