1. Introduction & Scope

Calrima Senior Services and Insurance Solutions, Inc. ("Calrima", "we", "us", or "our") is dedicated to safeguarding the privacy and confidential personal information of pre-retirees, seniors, and clients. This Privacy Policy governs information collected through our web properties, including retire.calrima.com and related lead-intake forms.

We operate under strict fiduciary-adjacent confidentiality standards and comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA/CPRA") and the California Insurance Information and Privacy Protection Act (Cal. Ins. Code § 791 et seq.).

2. Categories of Personal Information We Collect

When you submit an inquiry, request a retirement guide, run an annuity simulator, or book a Medicare clarity call, we may collect:

• Identifiers: Full name, email address, telephone/mobile number, and residential zip code.
• Demographic & Planning Context: Current age, target retirement age, estimated retirement income shortfall, and general Medicare eligibility status.
• Internet & Technical Telemetry: IP address, browser user-agent, operating system, and timestamp of form submission (strictly for recordkeeping, security, and TCPA consent verification).

Note: We do NOT collect Social Security Numbers, banking account passwords, or protected medical history records on public web forms.

3. Business Purpose for Information Use

We collect and process your personal information exclusively for:

• Delivering requested educational materials (e.g., Retire with Confidence book excerpts and Medicare guides).
• Scheduling and conducting requested consultations with licensed agents (The AMAZING Rick Loek or Mary Lee).
• Evaluating fixed annuity suitability or Medicare plan comparisons tailored to your situation.
• Maintaining statutory compliance records as required by the California Department of Insurance (CDI) and California Department of Financial Protection and Innovation (DFPI CCR Title 10 § 260.241.2).

4. We Do Not Sell or Share Your Personal Information

Calrima does not sell, rent, or trade your personal information to any third party for commercial advertising or monetary compensation. Furthermore, we do not share your information with cross-context behavioral advertising aggregators.

Information is shared strictly with authorized carriers and platforms necessary to deliver your requested quote or consultation (e.g., GoHighLevel CRM infrastructure, encrypted email servers, and insurance carriers when preparing formal underwriting applications).

5. Telephone Consumer Protection Act (TCPA) Consent & SMS Rights

When you provide your phone number and submit a form, you provide express written consent to be contacted by Calrima via telephone calls or SMS text messages regarding your requested retirement or Medicare inquiry.

- Consent is never a condition of purchase.
- Standard message and data rates may apply.
- You can revoke SMS consent at any time by replying STOP to any message, or by emailing info@calrima.com.

6. Your California Privacy Rights (CCPA / CPRA)

Under California law, California residents possess the right to:

• Right to Know & Access: Request disclosure of personal information collected about you in the preceding 12 months.
• Right to Delete: Request deletion of your personal information (subject to statutory CDI and California DFPI record-retention requirements).
• Right to Correct: Request correction of inaccurate personal records.
• Right to Non-Discrimination: Receive equal service and pricing regardless of exercising your privacy rights.

To exercise your rights, contact us at privacy@calrima.com or call toll-free at (408) 786-0508.

7. Contact Information

Calrima Senior Services and Insurance Solutions, Inc.
Silicon Valley Headquarters: Campbell, CA 95008
Sacramento Regional Hub: 3511 Del Paso Rd #160-425, Sacramento, CA 95835
California License: #0F34289 · NIPR: 8918817
Telephone: (408) 786-0508 · Email: info@calrima.com