tapps-agents 3.5.40__py3-none-any.whl → 3.6.0__py3-none-any.whl

tapps_agents/experts/knowledge/data-privacy-compliance/ccpa.md

@@ -1,255 +1,255 @@
-# CCPA Requirements
-
-## Overview
-
-The California Consumer Privacy Act (CCPA) is a comprehensive privacy law that grants California residents rights over their personal information. CCPA applies to businesses that meet certain thresholds and process personal information of California residents.
-
-## Applicability
-
-### Business Thresholds
-- Annual gross revenues exceeding $25 million
-- Annually buys, receives, sells, or shares personal information of 50,000+ consumers, households, or devices
-- Derives 50%+ of annual revenues from selling consumers' personal information
-
-### Personal Information Definition
-- Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked to a particular consumer or household
-- Includes identifiers, characteristics, commercial information, biometric information, internet activity, geolocation data, audio/visual information, professional information, education information, and inferences
-
-## Consumer Rights
-
-### Right to Know
-- Right to know what personal information is collected
-- Right to know categories of sources
-- Right to know business purposes
-- Right to know categories of third parties
-- Right to know specific pieces of personal information
-
-### Right to Delete
-- Request deletion of personal information
-- Exceptions apply (legal obligations, transactions, security, etc.)
-- Verify consumer identity
-- Respond within 45 days (extendable to 90 days)
-
-### Right to Opt-Out of Sale
-- Right to opt-out of sale of personal information
-- "Do Not Sell My Personal Information" link
-- Clear and conspicuous opt-out mechanism
-- Honor opt-out requests
-
-### Right to Non-Discrimination
-- Cannot discriminate for exercising rights
-- Cannot deny goods or services
-- Cannot charge different prices
-- Cannot provide different quality
-- Exceptions: price differences based on value of data
-
-### Right to Opt-In (Minors)
-- Minors under 16: opt-in required
-- Minors under 13: parental consent required
-- Cannot sell personal information without consent
-
-## Notice Requirements
-
-### Privacy Policy
-- Comprehensive privacy policy
-- Categories of personal information collected
-- Categories of sources
-- Business purposes
-- Categories of third parties
-- Consumer rights and how to exercise
-- Contact information
-
-### Notice at Collection
-- Categories of personal information collected
-- Business purposes
-- Link to privacy policy
-- "Do Not Sell My Personal Information" link (if applicable)
-
-### Notice of Financial Incentive
-- Material terms of financial incentive
-- Value of consumer data
-- How to opt-in
-- Right to withdraw
-
-## Sale of Personal Information
-
-### Definition of Sale
-- Selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating personal information
-- For monetary or other valuable consideration
-- To another business or third party
-
-### Opt-Out Requirements
-- "Do Not Sell My Personal Information" link
-- Clear and conspicuous placement
-- Easy to use opt-out mechanism
-- Honor opt-out requests
-- No opt-in required after opt-out
-
-### Service Provider Exception
-- Not a sale if disclosed to service provider
-- Service provider contract required
-- Limited to business purposes
-- Cannot use for other purposes
-
-## Service Providers
-
-### Definition
-- Business that processes personal information on behalf of business
-- Under written contract
-- For business purposes only
-- Cannot use for other purposes
-
-### Service Provider Contracts
-- Prohibit selling personal information
-- Prohibit using for other purposes
-- Require appropriate safeguards
-- Require deletion upon request
-
-## Verification
-
-### Identity Verification
-- Verify consumer identity
-- Reasonable verification methods
-- Cannot require account creation
-- Cannot charge fee for verification
-
-### Authorized Agent
-- Accept requests from authorized agents
-- Verify agent authorization
-- Verify consumer identity
-- Provide proof of authorization
-
-## Response Requirements
-
-### Response Time
-- Acknowledge receipt within 10 business days
-- Respond within 45 calendar days
-- May extend to 90 calendar days with notice
-- Provide explanation for extension
-
-### Response Format
-- Deliverable format
-- Portable format (if requested)
-- No account creation required
-- No fee for first request
-
-## Data Minimization
-
-### Collection Limitation
-- Collect only necessary personal information
-- Limit to disclosed purposes
-- Do not collect excessive information
-- Regular review of collection practices
-
-### Retention Limitation
-- Retain only as long as necessary
-- Define retention periods
-- Implement deletion procedures
-- Regular data purging
-
-## Security Requirements
-
-### Reasonable Security
-- Implement reasonable security procedures
-- Protect against unauthorized access
-- Protect against destruction
-- Protect against use
-- Protect against disclosure
-- Protect against modification
-
-### Security Measures
-- Encryption
-- Access controls
-- Authentication
-- Monitoring
-- Incident response
-- Regular security assessments
-
-## Employee and B2B Exemptions
-
-### Employee Information
-- Limited exemptions for employee information
-- Notice at collection required
-- Right to know (limited)
-- Right to delete (limited)
-- No right to opt-out of sale
-
-### B2B Information
-- Limited exemptions for B2B information
-- Notice at collection required
-- Right to know (limited)
-- Right to delete (limited)
-- No right to opt-out of sale
-
-## Compliance Checklist
-
-### Consumer Rights
-- [ ] Implement right to know procedures
-- [ ] Implement right to delete procedures
-- [ ] Implement right to opt-out procedures
-- [ ] Implement right to non-discrimination
-- [ ] Implement minor opt-in procedures
-
-### Notice Requirements
-- [ ] Develop comprehensive privacy policy
-- [ ] Implement notice at collection
-- [ ] Implement notice of financial incentive
-- [ ] Update notices regularly
-
-### Opt-Out Mechanism
-- [ ] Implement "Do Not Sell" link
-- [ ] Make link clear and conspicuous
-- [ ] Honor opt-out requests
-- [ ] Maintain opt-out list
-
-### Verification
-- [ ] Implement identity verification
-- [ ] Accept authorized agent requests
-- [ ] Verify agent authorization
-- [ ] Document verification procedures
-
-### Response Procedures
-- [ ] Acknowledge requests within 10 days
-- [ ] Respond within 45 days
-- [ ] Provide information in deliverable format
-- [ ] Document all requests and responses
-
-### Service Provider Management
-- [ ] Identify all service providers
-- [ ] Execute service provider contracts
-- [ ] Monitor service provider compliance
-- [ ] Ensure service providers do not sell data
-
-### Security
-- [ ] Implement reasonable security measures
-- [ ] Encrypt personal information
-- [ ] Implement access controls
-- [ ] Monitor for security incidents
-- [ ] Develop incident response procedures
-
-## Best Practices
-
-1. **Map Personal Information**: Understand what personal information you collect
-2. **Implement Consumer Rights**: Make it easy to exercise rights
-3. **Clear Notices**: Provide clear and comprehensive privacy notices
-4. **Honor Opt-Outs**: Respect consumer opt-out requests
-5. **Verify Identity**: Implement reasonable verification procedures
-6. **Respond Promptly**: Meet response time requirements
-7. **Manage Service Providers**: Execute and monitor contracts
-8. **Implement Security**: Protect personal information
-9. **Train Staff**: Ensure staff understand CCPA requirements
-10. **Document Everything**: Maintain comprehensive documentation
-
-## Common Pitfalls
-
-1. **Insufficient Notices**: Not providing comprehensive privacy notices
-2. **Poor Opt-Out Mechanism**: Difficult to find or use opt-out
-3. **Delayed Responses**: Not meeting response time requirements
-4. **Inadequate Verification**: Not verifying consumer identity
-5. **Service Provider Issues**: Not properly managing service providers
-6. **Insufficient Security**: Not implementing reasonable security measures
-7. **Discrimination**: Discriminating against consumers exercising rights
-8. **Inadequate Documentation**: Not documenting requests and responses
-9. **Collection Issues**: Collecting excessive personal information
-10. **Retention Issues**: Retaining personal information too long
-
+# CCPA Requirements
+
+## Overview
+
+The California Consumer Privacy Act (CCPA) is a comprehensive privacy law that grants California residents rights over their personal information. CCPA applies to businesses that meet certain thresholds and process personal information of California residents.
+
+## Applicability
+
+### Business Thresholds
+- Annual gross revenues exceeding $25 million
+- Annually buys, receives, sells, or shares personal information of 50,000+ consumers, households, or devices
+- Derives 50%+ of annual revenues from selling consumers' personal information
+
+### Personal Information Definition
+- Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked to a particular consumer or household
+- Includes identifiers, characteristics, commercial information, biometric information, internet activity, geolocation data, audio/visual information, professional information, education information, and inferences
+
+## Consumer Rights
+
+### Right to Know
+- Right to know what personal information is collected
+- Right to know categories of sources
+- Right to know business purposes
+- Right to know categories of third parties
+- Right to know specific pieces of personal information
+
+### Right to Delete
+- Request deletion of personal information
+- Exceptions apply (legal obligations, transactions, security, etc.)
+- Verify consumer identity
+- Respond within 45 days (extendable to 90 days)
+
+### Right to Opt-Out of Sale
+- Right to opt-out of sale of personal information
+- "Do Not Sell My Personal Information" link
+- Clear and conspicuous opt-out mechanism
+- Honor opt-out requests
+
+### Right to Non-Discrimination
+- Cannot discriminate for exercising rights
+- Cannot deny goods or services
+- Cannot charge different prices
+- Cannot provide different quality
+- Exceptions: price differences based on value of data
+
+### Right to Opt-In (Minors)
+- Minors under 16: opt-in required
+- Minors under 13: parental consent required
+- Cannot sell personal information without consent
+
+## Notice Requirements
+
+### Privacy Policy
+- Comprehensive privacy policy
+- Categories of personal information collected
+- Categories of sources
+- Business purposes
+- Categories of third parties
+- Consumer rights and how to exercise
+- Contact information
+
+### Notice at Collection
+- Categories of personal information collected
+- Business purposes
+- Link to privacy policy
+- "Do Not Sell My Personal Information" link (if applicable)
+
+### Notice of Financial Incentive
+- Material terms of financial incentive
+- Value of consumer data
+- How to opt-in
+- Right to withdraw
+
+## Sale of Personal Information
+
+### Definition of Sale
+- Selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating personal information
+- For monetary or other valuable consideration
+- To another business or third party
+
+### Opt-Out Requirements
+- "Do Not Sell My Personal Information" link
+- Clear and conspicuous placement
+- Easy to use opt-out mechanism
+- Honor opt-out requests
+- No opt-in required after opt-out
+
+### Service Provider Exception
+- Not a sale if disclosed to service provider
+- Service provider contract required
+- Limited to business purposes
+- Cannot use for other purposes
+
+## Service Providers
+
+### Definition
+- Business that processes personal information on behalf of business
+- Under written contract
+- For business purposes only
+- Cannot use for other purposes
+
+### Service Provider Contracts
+- Prohibit selling personal information
+- Prohibit using for other purposes
+- Require appropriate safeguards
+- Require deletion upon request
+
+## Verification
+
+### Identity Verification
+- Verify consumer identity
+- Reasonable verification methods
+- Cannot require account creation
+- Cannot charge fee for verification
+
+### Authorized Agent
+- Accept requests from authorized agents
+- Verify agent authorization
+- Verify consumer identity
+- Provide proof of authorization
+
+## Response Requirements
+
+### Response Time
+- Acknowledge receipt within 10 business days
+- Respond within 45 calendar days
+- May extend to 90 calendar days with notice
+- Provide explanation for extension
+
+### Response Format
+- Deliverable format
+- Portable format (if requested)
+- No account creation required
+- No fee for first request
+
+## Data Minimization
+
+### Collection Limitation
+- Collect only necessary personal information
+- Limit to disclosed purposes
+- Do not collect excessive information
+- Regular review of collection practices
+
+### Retention Limitation
+- Retain only as long as necessary
+- Define retention periods
+- Implement deletion procedures
+- Regular data purging
+
+## Security Requirements
+
+### Reasonable Security
+- Implement reasonable security procedures
+- Protect against unauthorized access
+- Protect against destruction
+- Protect against use
+- Protect against disclosure
+- Protect against modification
+
+### Security Measures
+- Encryption
+- Access controls
+- Authentication
+- Monitoring
+- Incident response
+- Regular security assessments
+
+## Employee and B2B Exemptions
+
+### Employee Information
+- Limited exemptions for employee information
+- Notice at collection required
+- Right to know (limited)
+- Right to delete (limited)
+- No right to opt-out of sale
+
+### B2B Information
+- Limited exemptions for B2B information
+- Notice at collection required
+- Right to know (limited)
+- Right to delete (limited)
+- No right to opt-out of sale
+
+## Compliance Checklist
+
+### Consumer Rights
+- [ ] Implement right to know procedures
+- [ ] Implement right to delete procedures
+- [ ] Implement right to opt-out procedures
+- [ ] Implement right to non-discrimination
+- [ ] Implement minor opt-in procedures
+
+### Notice Requirements
+- [ ] Develop comprehensive privacy policy
+- [ ] Implement notice at collection
+- [ ] Implement notice of financial incentive
+- [ ] Update notices regularly
+
+### Opt-Out Mechanism
+- [ ] Implement "Do Not Sell" link
+- [ ] Make link clear and conspicuous
+- [ ] Honor opt-out requests
+- [ ] Maintain opt-out list
+
+### Verification
+- [ ] Implement identity verification
+- [ ] Accept authorized agent requests
+- [ ] Verify agent authorization
+- [ ] Document verification procedures
+
+### Response Procedures
+- [ ] Acknowledge requests within 10 days
+- [ ] Respond within 45 days
+- [ ] Provide information in deliverable format
+- [ ] Document all requests and responses
+
+### Service Provider Management
+- [ ] Identify all service providers
+- [ ] Execute service provider contracts
+- [ ] Monitor service provider compliance
+- [ ] Ensure service providers do not sell data
+
+### Security
+- [ ] Implement reasonable security measures
+- [ ] Encrypt personal information
+- [ ] Implement access controls
+- [ ] Monitor for security incidents
+- [ ] Develop incident response procedures
+
+## Best Practices
+
+1. **Map Personal Information**: Understand what personal information you collect
+2. **Implement Consumer Rights**: Make it easy to exercise rights
+3. **Clear Notices**: Provide clear and comprehensive privacy notices
+4. **Honor Opt-Outs**: Respect consumer opt-out requests
+5. **Verify Identity**: Implement reasonable verification procedures
+6. **Respond Promptly**: Meet response time requirements
+7. **Manage Service Providers**: Execute and monitor contracts
+8. **Implement Security**: Protect personal information
+9. **Train Staff**: Ensure staff understand CCPA requirements
+10. **Document Everything**: Maintain comprehensive documentation
+
+## Common Pitfalls
+
+1. **Insufficient Notices**: Not providing comprehensive privacy notices
+2. **Poor Opt-Out Mechanism**: Difficult to find or use opt-out
+3. **Delayed Responses**: Not meeting response time requirements
+4. **Inadequate Verification**: Not verifying consumer identity
+5. **Service Provider Issues**: Not properly managing service providers
+6. **Insufficient Security**: Not implementing reasonable security measures
+7. **Discrimination**: Discriminating against consumers exercising rights
+8. **Inadequate Documentation**: Not documenting requests and responses
+9. **Collection Issues**: Collecting excessive personal information
+10. **Retention Issues**: Retaining personal information too long
+