This Policy describes the information collection, use, and dissemination practices of Company, its parent, subsidiaries and registered d/b/a companies (Collectively Referred herein after as “Company”) and all related websites owned or registered to Company. It governs Company’s right to collect, use, store and disclose information provided by You on its (a) this Website, (b) Company’s other Websites, (c) on various Third Party websites, and (d) Company’s other information collection and distribution practices, including the acquisition of your information from and to Third Parties. Company is not responsible for the information collection or privacy practices of third party websites or applications which company does not own or control.
By providing us with Personal Information about yourself on our Website or in the course of using our services, you consent to the transfer of your Personal Information, and any other data we acquire about you from third-party service providers for commercial use.
INFORMATION COLLECTION, USE, AND DISSEMINATION PRACTICES.
1.0. Collection of Information.
1.1. User Direct Information. Each time you provide or transmit information via the Website, Company may obtain and collect personal information about you, including, but not limited to, your name, email address, mailing address, social security number, credit card information, bank account information and telephone or cell phone
number (collectively referred to as “Personal Information”).
1.2. Survey Information. Company may collect
Personal Information from you when you voluntarily complete a Company
survey, order form, or a registration page either online by using the
internet or offline by providing this information through the mail, in
person or using a telephone. This information may be collected by
surveys, order forms, or registration pages operated by third parties.
This method of collection is collectively known as a “Survey.” In such
Surveys, Company or a third party may ask you to provide Personal
Information including your name, email address, street address, zip
code, telephone numbers (including cell phone numbers and carriers),
birth date, gender, salary range, education and marital status,
occupation, social security number, employment information, personal and
online interests, and such other information as may be requested from
time to time. Company may also collect such information concerning you
from another source and uses that information in combination with
information provided from the Website or Surveys. Completing the Surveys
is completely voluntary, and you are under no obligation to provide
Survey Information to Company or a third party.
1.3. Third Party Information. Company may collect
Personal Information from you when you provide information to a third
party and Company subsequently acquires or uses the information provided
by the third party. Such information may include, but is not limited
to, your name, email address, street address, zip code, telephone
numbers (including cell phone numbers and carriers), birth date, gender,
salary range, education and marital status, occupation, industry of
employment, personal and online interests, and such other information
you may have provided to the third party. When acquiring this
information, Company seeks assurances from the third party that you
agreed to provide and have such information acquired by Company. If you
did not give express permission, or you would like to remove your
permission, you may suppress all of your information by sending
notification to us at: firstname.lastname@example.org.
1.4. Other Methods of Collecting Personal Information.
Other occasions when Company obtains information from you include: (1)
when you claim a prize or seek to redeem an offer by Company or by a
third party; (2) when you request assistance through Company’s customer
service department; and (3) when you voluntarily subscribe to a Company
service or newsletter.
1.5. Cookies, Web Beacons, and Other Info Collected
Using Technology. Company currently uses cookie and web beacon
technology to associate certain Internet-related information about you
with information about you in its database. Additionally, Company may
use other new and evolving sources of information in the future.
(a) Cookies. “Cookies” are a feature in your
browser software. If enabled, we may write cookies that may store small
amounts of data on your computer about your visit to any of the pages of
this Site. Cookies assist us in tracking which of our features appeal
the most to you and what content you may have viewed on past visits.
When you visit this site again, cookies can enable us to customize our
of the number of return visits to this site; accumulate and report
aggregate, statistical information on website usage; deliver specific
content to you based on your interests or past viewing history; save
your password for ease of access to our Site. You can disable cookies,
although the Site may not function properly for you. Your browser
preferences can be modified to accept or reject all cookies, or request a
notification when a cookie is set. You may read more about cookies at
http://cookiecentral.com. In order to use all of the features and
functionality of Company’s websites, you need to accept cookies.
(b) Web Beacons. A web beacon is a programming
code that can be used to display an image on a web page, but can also be
used to transfer your unique user identification to a database and
associate you with previously acquired information about an individual
in a database. This allows Company to track certain websites you visit.
Web beacons are used to track online behavioral habits for marketing
purposes to determine products or services you may be interested in. In
addition to using web beacons on web pages, Company also uses web
beacons in email messages sent to individuals listed in Company’s
(c) IP Addresses. Company automatically tracks
certain information based upon your behavior on the site. We may use
this information to do internal research on our users’ demographics,
interests, and behavior to better understand, protect and serve you and
our community. This information may include the URL that you just came
from (whether this URL is on the site or not), which URL you next go to
(whether this URL is on the site or not), your computer browser
information, and your IP address. Your Internet Protocol (“IP”) is a
unique Internet “address” which is assigned to you by your Internet
Service Provider (“ISP”). For local area network (“LAN”), DSL, or cable
modem users, an IP address may be permanently assigned to a particular
computer. IP addresses are automatically logged by Web servers,
collecting information about a user’s traffic patterns. While the IP
address does not identify an individual by name, it may, with the
cooperation of the ISP, be used to locate and identify an individual
using the Web. Your IP address can, however, reveal what geographic area
you are connecting from, or which ISP you are using. Finally, other
websites you visit have IP addresses, and we may collect the IP
addresses of those websites and their pages.
(d) Computer Profiles. Company may also collect
and accumulate other anonymous data which will help us understand and
analyze the Internet experience of our visitors. For instance, Company
may accumulate visitor data relating to referring domain names, the type
of browsers used, operating system software, screen resolutions, color
capabilities, browser plug-ins, language settings, cookie preferences,
with Personal Identification Information, we are able to use such
visitor data to identify you.
(e) Data Analysis. Data Analysis technology may be employed from time to time if used by a Client of Company.
(f) New Technology. The use of technology on the
Internet, including cookies and web beacons, is rapidly developing. As a
result, Company strongly encourages individuals to revisit this policy
for any updates regarding its use of new technology.
1.6. No Information Collected from Children. Company
will never knowingly collect any Personal Information about children
under the age of 13. If Company obtains actual knowledge that it has
collected Personal Information about a child under the age of 13, that
information will be immediately deleted from its database. Because it
does not collect such information, Company has no such information to
use or to disclose to third parties.
1.7. Credit Card Information and Bank Account Information.
Company may, in certain instances, collect credit card numbers, bank
account information and related information when an individual places an
order on Company’s Website. When the credit card or bank account
information is submitted to Company, such information is encrypted and
is protected with SSL encryption software. Company will use the credit
card information or bank account information for purposes of processing
and completing the transaction you requested on the Website, and the
credit card information or bank account information will be disclosed to
third parties as necessary to complete the requested purchase
2.0. Use of Personal Information.
2.1. General Use. The following paragraphs describe
how Company currently uses Personal Information, but Company may change
or broaden its use at any time. As noted below, Company may update this
policy from time to time. Company may use Personal Information to
provide promotional offers to individuals by means of email advertising,
telephone marketing, direct mail marketing, mobile marketing, online
banner advertising, and package stuffers, among other possible uses.
2.2 Disclosure of Information to Participating Service Providers of Services.
Company will disclose your Personal Information in order to effect or
carry out any transaction that you have requested of us or as necessary
to complete our contractual obligations with you. WE RESERVE THE RIGHT
TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO our participating
service providers, as authorized by you, which include: lenders,
agents, and debt management firms FOR ANY PURPOSE IN OUR SOLE
DISCRETION. We prohibit the sale or transfer of personal information to
non-affiliated entities for their use without giving you the opportunity
to opt-out (See Opt-Out below). We may share your personally
identifiable information with affiliated companies that are directly or
indirectly controlled by, or under common control of Company. We may
send personally identifiable information about you to non-affiliated
companies that are not directly or indirectly controlled by, or under
common control of, Company.
2.3. Email and Unsubscribe Policy. Company uses
Personal Information to provide third party promotional offers by email
to individuals. Company may maintain separate email lists for different
purposes. If email recipients wish to end their email subscription from a
particular list, they need to follow the instructions at the end of
each email message to unsubscribe from the particular list. To
unsubscribe from all Company’s email lists, a person must send an email
2.4. Content of Email Messages. You may receive
certain commercial email messages sent by third parties for products
which may be of interest to you. In such case, an Advertiser’s name will
appear in the “From:” and the email will have a method at the bottom of
the email to unsubscribe from that Advertiser. Company is not
responsible for third party emails sent to you.
2.5. Solicited Email. Company only sends email to
individuals who have agreed on the Website to receive email from Company
or to individuals who have agreed on a Third Party website to receive
email from Third Parties. As such, Company does not send unsolicited
email messages. As a result, United States statutes requiring certain
formatting for unsolicited email are not applicable to Company’s email
2.6. Targeted Advertising. Company may use Personal
Information to target advertising to an individual. When an individual
is using the Internet, Company uses Technology Information to associate
an individual with that person’s Personal Information, and Company
attempts to show advertising for products and services in which the
person has expressed an interest in the Surveys, indicated an interest
by means of Technology Information, and otherwise. Company may, at its
discretion, target advertising by using email, direct mail, telephones,
cell phones, and other means of communication to provide promotional
2.7. Telemarketing. Company may use Personal
Information to advertise, directly or indirectly, to individuals using
direct mail marketing or telemarketing using telephones and cell phones.
You may have your telephone number or cell phone number listed on a
state or federal do not call registry. By registering and using this
Site, you agree that such act constitutes a purchase, an inquiry and/or
an application for purposes of the Amended Telemarketing Sales Rule, 16
CFR §310 et seq. (the “ATSR”). Notwithstanding that your telephone
number may be listed on the Federal Trade Commission’s Do-Not-Call List,
you have authorized us to contact you via telemarketing in accordance
with the ATSR. Moreover, by registering with, or requesting information
from, a third-party advertiser at or through the Website or other
advertisement media made available by us (e.g., email marketing), you
agree that such action shall constitute a purchase, an inquiry and/or an
application with the respective third-party advertiser for purposes of
the ATSR and you may be contacted via email, direct mail and/or
telemarketing by such third-party advertiser in accordance with the
ATSR. We may use Personal Information to provide the services you’ve
requested, including services that display customized content and
2.8. Wireless Addresses. If the e-mail address you
provide to Company is a wireless e-mail address, you agree to receive
messages at such address from Company or its business associates (unless
and until you have elected not to receive such messages by following
the instructions in the unsubscribe portion of this policy). You
understand that your wireless carrier’s standard rates apply to these
messages. You represent that you are the owner or authorized user of the
wireless device on which messages will be received, and that you are
authorized to approve the applicable charges.
2.9. Short Message Service. Company may make
available a service through which you can receive messages on your
wireless device via short message service (“SMS Service”). Data obtained
from you in connection with this SMS service may include your name,
address, cell phone number, your provider’s name, and the date, time,
and content of your messages. You represent that you are 18 years of age
and the owner or authorized user of the wireless device on which
messages will be received, and that you are authorized to approve the
applicable charges. In addition to any fee of which you are notified
your provider’s standard messaging rates apply to our confirmation and
all subsequent SMS correspondence. All charges are billed by and payable
to your mobile service provider. Company will not be liable for any
delays in the receipt of any SMS messages, as delivery is subject to
effective transmission from your network operator. SMS message services
are provided on an AS IS basis. Company may also obtain the date, time
and content of your messages in the course of your use of the SMS
Service. We will use the information we obtain in connection with our
to your wireless account invoice, we may provide your carrier with your
applicable information in connection therewith. Your wireless carrier
and other service providers may also collect data about your wireless
device usage, and their practices are governed by their own policies.
You acknowledge and agree that the SMS Service is provided via
wireless systems which use radios (and other means) to transmit
communications over complex networks. We do not guarantee that your use
of the SMS Service will be private or secure, and we are not liable to
you for any lack of privacy or security you may experience. You are
fully responsible for taking precautions and providing security measures
best suited for your situation and intended use of the SMS Service. We
may also access the content of your account and wireless account with
your carrier for the purpose of identifying and resolving technical
problems and service-related complaints.
You may remove your information from Company’s database. If you
remove your information from Company’s database it will no longer be
used by Company for secondary purposes, disclosed to third parties, or
used by Company or third parties to send promotional correspondence to
you. You may remove your information by sending your request in writing
via email to: email@example.com or by sending “STOP”, “END”, “QUIT” to the SMS text message you have received.
2.10. Use of Technology Information. Company may use
Technology Information (1) to match a person’s Personal Information and
Third Party List Information to other categories of Personal
Information to make and improve profiles of individuals, (2) to track a
person’s online browsing habits on the Internet, (3) to determine which
areas of Company’s websites are most frequently visited. This
information helps Company to better understand the online habits of
individuals so that Company can target advertising and promotions to
2.11. Profiles of Individuals. Company may use
Personal Information to make a profile of an individual. A profile can
be created by combining Survey Information and Third Party List
Information with other sources of Personal Information such as
information obtained from public databases.
3.0. Other Use of Personal Information. Company may use your Personal Information in the following ways:
3.1. Public Forums. When you contribute to a public
area or feature of our Website, such as a chat room, bulletin board,
list serve, blog, wiki or other open forum that we may make available on
or through our Website, the information that you submit will be made
available to the general public and will not be considered “Personal
recommend that you do not submit any sensitive information, including
your full name, home address, phone number, other information that would
enable other users to locate you or your financial information on these
areas of our Website. Instead, make up a username that does not
disclose your personal identity.
3.2. Third Party Offers. Company may provide your
Personal Information to third parties with whom they have a business
relationship for the purposes of securing the services and products you
have requested or provide you with additional marketing materials from
which you may choose additional products or services. Company may make
your Personal Information available to companies or other entities not
affiliated with the Company that have goods, services and offers that
might be of interest to you so that they may send you these offers.
3.3. Marketing. Company will use your Personal
Information for any marketing and survey purpose on behalf of Company
and its affiliates and subsidiaries to send information to you about
additional goods or services that may be of interest to you. In
addition, Company will disclose your Personal Information to third party
agents and independent contractors to help us conduct our marketing and
survey efforts including but not limited to direct marketing. You may
have no relationship with these other companies.
3.4. Co-sponsored Contests, Sweepstakes and
Offerings. Company may provide a contest; sweepstake and other offering
may be co-sponsored by another company. In those situations, the
information we obtain from you in connection with such contest,
sweepstake or offering may be shared with our co-sponsor. In those
situations, our co-sponsors will have the right to use your information
for their own purposes, in accordance with their own policies. If you do
not wish for the information we obtain from you to be shared with our
co-sponsor, then do not enter such contest, sweepstake or other offering
or otherwise provide to us any Personal Information in connection with
such contest, sweepstake or other offering. We are not responsible for
how our co-sponsors may use your information.
3.5. Technical Service Providers. Company may use
third-party advertising companies to serve ads when you visit our
website. These third party’s may use information (not including your
name, address, email address, or telephone number) about your visits to
this and other websites in order to provide advertisements about goods
and services of interest to you. Company may also use third parties to
help operate our Website, deliver products and services, and Company may
share your Personal Information with such third parties for our
business (such as Website or database hosting companies, address list
hosting companies, e-mail service providers, analytics companies,
distribution companies, fulfillment companies, and other similar service
providers that use such information on our behalf). Unless otherwise
stated, these parties do not have any right to use the Personal
Information we provide to them beyond what is necessary for them to
assist us. When you conduct e-commerce with one of the e-commerce
affiliates or service providers to which the Website may be linked,
certain Personal Information such as your e-mail and home address may be
collected by the service provider’s server and made available to us.
3.6. Aggregate Statistics. Company may disclose
aggregate statistics regarding user behavior as a measure of interest
in, and use of, our Website and e-mails to third parties in the form of
aggregate data, such as overall patterns or demographic reports that do
not describe or identify any individual user.
3.7. Complying with Legal Process. Company will use
or disclose your Personal Information in response to subpoenas, court
orders, warrants, or legal process, or to otherwise establish or
exercise our legal rights or defend against legal claims or in the event
you violate or breach an agreement with Company. Company will use and
disclose your Personal Information if we believe you will harm the
property or rights of Company , its owners, or those of Company ‘s other
customers. Finally, we will use or disclose your Personal Information
if we believe it is necessary to share information in order to
investigate, prevent, or take action regarding illegal activities,
suspected fraud, situations involving potential threats to the physical
safety of any person, violations of Company’s acceptable use policy, or
as otherwise required by law when responding to subpoenas, court orders
and other legal processes.
3.8. Order Fulfillment. Company will transfer your
Personal Information to third parties when necessary to provide a
product or service that you order from such third party while using
Company’s websites or when responding to offers provided by Company.
3.9. Data Summary. Company may sell or transfer
non-individualized information, such as summary or aggregated anonymous
information about all persons or sub-groups of persons.
4.0. Privacy Practices of Third Parties.
4.1. Advertiser cookies and web beacons. Advertising
agencies, advertising networks, and other companies who place
advertisements on the websites and on the internet generally may use
their own cookies, web beacons, and other technology to collect
information about individuals. Company does not control the use of such
technology and Company has no responsibility for the use of such
technology to gather information about you.
4.2. Links. The websites and email messages
sometimes contain hypertext links to the websites of third parties.
Company is not responsible for the privacy practices or the content of
such other websites. Linked websites may contain links to websites
maintained by third parties. Such links are provided for your
convenience and reference only. Company does not operate or control in
any respect any information, software, products or services available on
such third party websites. The inclusion of a link to a website does
not imply any endorsement of the services or the site, its contents, or
its sponsoring organization.
4.3. Affiliations/Merger/Sale. Company further
reserves the right to disclose, transfer or sell your Personal
Information to companies who are affiliated with Company in Company’s
sole discretion. If Company changes ownership through an acquisition,
merger, sale or other change of business status, it reserves the right
to transfer or assign the right to use your Personal Information
collected from the Website.
5.0. Foreign use of the Website. To the extent
that you are accessing the Website while domiciled outside of the United
States, you acknowledge that the Personal Information you are providing
Company is collected and stored in the United States and therefore
consent to the transfer of information to and storage of the information
outside of your domiciled country and in the United States.
We endeavor to safeguard and protect your information. When you
submit information at the website, such information is protected both
online and offline. The servers in which we store Personal Information
are kept in a secure physical environment. Company has security measures
in place to protect against the loss, misuse, and alteration of
personal information under our control. Currently, Company uses Secure
Socket Layer Software (“SSL”) to protect data and to secure any
transactions. SSL encrypts information, including credit card numbers,
names and addresses as they are transmitted over the Internet. Please be
advised that, although Company takes reasonable technological
precautions to protect your data, no data transmission over the Internet
can be guaranteed to be 100% secure. Therefore, Company cannot and does
not warrant that your information will be absolutely secure. Any
transmission of data at or through our website is at your own risk.
However, access to your information is strictly limited, and not
accessible to the public.
Company provides you the opportunity to ‘opt-out’ of having your
personally identifiable information used for certain purposes, when it
asks for this information. For example, if you purchase a
product/service but do not wish to receive any additional marketing
material from us, you can indicate your preference by emailing or
calling us per the information contained on our contact page.
If you no longer wish to receive our promotions, you may opt-out of
receiving it by following the instructions included in each newsletter
or communication or by emailing or calling us per the information
contained on our contact page.
8.0. California User Consumer Rights. California
Civil Code Section 1798.83 permits California residents who have
provided Personal Information to Company or third parties under a list
management arrangement with Company to request certain information
regarding Company’s disclosure of such information to third parties for
their direct marketing purposes. Within thirty days of receiving such a
request, we will provide a list of the categories of Personal
Information disclosed to third parties for third-party direct marketing
purposes during the immediately preceding calendar year, along with the
names and addresses of these third parties. This request may be made no
more than once per calendar year. We reserve our right not to respond to
requests submitted other than to the address specified in this section.
If you have questions about this policy, please contact us at: firstname.lastname@example.org