The Information We Collect About You and From You
Information We Collect Automatically
How We Use and Share Your Information
Security of Your Personal Information
What Choices Do I Have Regarding Use of My Personal Information?
Children’s Online Privacy Protection Act Compliance
Special Information for California Consumers
If you are a California resident, the California Consumer Privacy Act (“CCPA”) also provides you with additional privacy rights regarding our use of your personal information. To learn more about your California rights under CCPA, see our IMPORTANT ADDITIONAL INFORMATION.
Changes to this Policy
The Information We Collect About You and From You. We collect information about you directly from you, from other entities, and automatically through your use of our Site or services. The information we collect from you depends on how you use our Site and services. If you request a quote through our Site, we will collect your contact information (typically, name, email, contact phone number) and a description of the service in which you are interested. We also will collect any other information that you choose to provide to us in your correspondence with us.
Information We Collect From Other Entities
- Marketing Companies. We obtain prospective contact lists from non-affiliated marketing companies.
- Social Network Platforms. If you tag us in a photo on Instagram or other social network site and you enter a contest or promotion, we will collect the information that you have posted to that site unless you have made your posting “private.” Please see the social networking site for information about their disclosure of information practices.
- Advertising Networks, Operating Systems, Internet Service Providers, Analytics Providers. We may collect information automatically about you and your interaction with our Site from these entities. See below for additional information.
- Financial Institutions. If you request a loan for a product, we may obtain information from the financial institution about your approval.
- domain name;
- your browser type and operating system;
- web pages you view on the Site;
- links you click on the Site;
- your IP address;
- location information (as provided by our analytics provider);
- the length of time you visit our Site and use our services;
- the referring URL, or the webpage that led you to our Site.
How We Use and Share Your Information. We use your information, including your personal information, for the following business or commercial purposes:
Service Provisioning/Transactional Purposes:
- To provide our services to you.
- To tailor the content and information that we may send or display to you, to offer location customization, and personalized help and instructions, and to otherwise personalize your experiences while using the services.
Customer Service Purposes:
- To communicate with you about your use of our services, to respond to your inquiries, and for other customer service purposes.
- To send marketing emails about: (1) the Company’s products and services, including newsletters about our products and services; and (2) products and services of our affiliated companies (and brands offered by those affilates).
- We also may contact you by phone or text (with consent, as applicable) about our products and services.
- To assist us in determining relevant advertising content and media.
- To evaluate the success of our advertising campaigns (including our online targeted advertising and offline promotional campaigns).
- See also our targeted advertising section discussed below.
- To better understand how users access and use our services, both on an aggregated and individualized basis. For example, we will evaluate which features of our Site are more (or least) used by users.
- To provide reports to our service providers, regulators, and others.
- To implement and maintain security, anti-piracy, fraud prevention, and other services designed to protect you and us.
- To administer surveys and questionnaires, such as for market research or customer satisfaction purposes.
- To comply with legal obligations, as part of our general business operations, and for other business administration purposes.
We may share your information, including personal information, to assist us in fulfilling any of the business and commercial purposes set forth above as follows:
- Service Providers. We may disclose your information to service providers that perform functions on our behalf. These service providers include entities that assist us with administration, marketing, legal purposes, and any other purposes set forth above. Specific examples include service providers that host our Site, handle our billing, and assist us with our marketing campaigns or other promotions.
- Affiliates. We may share your information with affiliate companies that we think might be of interest to you. These brands may market their products and services directly to you. Our affiliates also may share your information with their respective franchisees, who may independently market their products and services to you.
- Other Visitors to our Website. Your user name and any information that you post to our Site, including, without limitation, reviews, testimonials, comments, text, photos, and videos will be available to, and searchable by, all users of the Site and services.
- Facebook/Social Networks. We participate in the Facebook Custom Audience program. We share your email address with Facebook, which will assist in delivering relevant advertising to our customers who also use Facebook. Please see the Ad Networks section below for more information on Facebook Custom Audience.
- Advertising Networks. We share your information with advertising networks to assist us in advertising on and off our Site. Please see “Advertising Networks” below for additional information.
- Analytics Providers. We share your information with analytics providers that assist us in evaluating use of our Site and services, and as described below.
We also disclose information in the following circumstances:
- Business Transfers. If (i) we or our affiliates, are or may be acquired by, merged with, or invested in by another company, or (ii) if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may transfer the information we have collected from you to the other company. As part of the business transfer process, we may share certain of your personal information with lenders, auditors, and advisors, including attorneys and consultants.
- In Response to Legal Process. We disclose your information, such as to law enforcement and our legal advisors, to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena.
- Aggregate and De-Identified Information. We share aggregate, anonymized, or de-identified information about users with service providers to assist us with marketing, advertising, research or similar purposes.
Disabling Cookies. Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in the future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Visitors to our Site who disable cookies will be able to browse certain areas of the Site, but some features may not function.
Do Not Track. Currently, our systems do not recognize browser “do not track” requests. You may, however, disable certain tracking as discussed in this section (e.g., by disabling cookies); you also may opt-out of targeted advertising by following the instructions in the Ad Networks section.
We may disclose cerrtain information (such as your email address) to Facebook Custom Audiences (for more information on Facebook Custom Audiences go here or to opt-out, go to the Facebook ad preferences page)—so that we can better target ads and content to you and others with similar interests on third parties’ websites or media (“Custom Audiences”). We may also work with other ad networks and marketing platforms that enable us and other participants to target ads to Custom Audiences submitted by us and others. You may also control how Facebook and other third parties display certain ads to you, as explained further in their respective privacy policies or by using the opt-outs described below.
Generally, you may opt out of many ad networks by going to (i) the Digital Advertising Alliance (“DAA”) Consumer Choice Page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies or (ii) the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members. Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through our Site, Services, or on other websites. Additional information is available on the DAA’s website at www.aboutads.info or the NAI’s website at www.networkadvertising.org.
Links. Our Site may contain links to non-affiliated entity websites. Any access to and use of such linked websites is not governed by this Policy, but instead is governed by the privacy policies of those websites. We are not responsible for the information practices of such websites.
Security of Your Personal Information. While we have implemented reasonable precautions to protect the information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction, no data security measures can guarantee security. You should take steps to protect against unauthorized access to your password, phone, and computer. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.
What Choices Do I Have Regarding Use of My Personal Information? We may send periodic promotional emails to you and you may opt-out of these emails by following the opt-out instructions contained in the email. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving promotional emails, we may still send you emails about your account or any services you have requested or received from us.
Children’s Online Privacy Protection Act Compliance. We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and our services are not designed for children under the age of 13. If we discover that a child under 13 has provided us with personal information, we will delete such information from our systems.
Special Information for California Consumers. California residents may request a list of certain third parties to which we have disclosed personal information about you for their own direct marketing purposes. You may make one request per calendar year. In your request, please attest to the fact that you are a California resident and provide a current California address for your response. You may request this information in writing by contacting us at firstname.lastname@example.org . Please allow up to thirty (30) days for a response.
Contact Us. If you have any questions about this Policy, the privacy aspects of our Services, or would like to make a complaint, please contact us at email@example.com
Changes to this Policy. This Policy is current as of the date set forth below We may change this Policy from time to time, so please be sure to check back periodically. We will post any changes to this Policy on our Site. If we make any changes to this Policy that materially affect our practices with regard to the personal information we have previously collected from you, we will endeavor to provide you with notice in advance of such change by highlighting the change on our Site.
IMPORTANT ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS
Last Updated: December 1, 2020
This document provides information for California residents, as required under California privacy laws, including the California Consumer Privacy Act (“CCPA”). California privacy laws require that we provide California residents information about how we use their personal information, whether collected online or offline, and this document is intended to satisfy that requirement. Under the CCPA, “personal information” is any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. The CCPA does not apply to certain data protected under federal and state laws. For example, the CCPA does not apply to HIPAA-protected health information collected by a covered entity or business associate, and receipt and use of consumer reports (i.e., background checks) by an employer in accordance with the Fair Credit Reporting Act. The CCPA also has limited application to financial data subject to the Gramm-Leach-Bliley Act or state motor vehicle records subt to the Driver’s Privacy Protection Act of 1994.
|Categories of personal information||Do we collect?||Do we or may we sell?||Categories of Third Parties to Whom We May Disclose or Sell this Information|
|NAME, CONTACT INFORMATION AND IDENTIFIERS: Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.||YES||YES||
|CUSTOMER RECORDS: Paper and electronic customer records containing personal information, such as name, signature, physical characteristics or description, address, telephone number, driver’s license or state identification card number, employment, employment history, bank account number, credit card number, debit card number, or any other financial informationn.||YES||YES||YES
|PROTECTED CLASSIFICATIONS: Characteristics of protected classifications under California or federal law such as race, color, sex, age, religion, national origin, disability (if you voluntarily choose to disclose as part of our providing service to you .||YES||NO||YES
|PURCHASE HISTORY AND TENDENCIES: Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||YES||YES||YES
|USAGE DATA: Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a resident’s interaction with an internet website, application, or advertisement.||YES||YES||YES
|AUDIO/VISUAL: Audio, electronic, visual, thermal, olfactory, or similar information, such as call recordings.||YES||YES||YES
|PROFILES AND INFERENCES: Inferences drawn from any of the information identified above to create a profile about a resident reflecting the resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||YES||YES||YES
Sources From Which We Collect Information About You. As described above, we may collect personal information from the following sources: directly from you; advertising networks; data analytics providers; social network; internet service providers; operating systems and platforms; government entities (e.g., if we were to receive a subpoena); data brokers; other customers (e.g., a referral); marketing companies; and financial institutions (e.g., notifying us if your loan to purchase a product has gone through or sometimes requesting information from us about the product that you wish to purchase).
Our Sale of Your Information. Under the CCPA, a “sale” includes disclosing or making available personal information to a third-party in exchange for monetary or other benefits or value. We do not disclose your information to third parties in exchange for monetary compensation, we may disclose or make available certain categories of personal information to third parties in exchange for a benefit, such as when we make browsing information available to third party ad companies (through third party tags on our Site) in order to improve and measure our ad campaigns and reach customers and potential customers with more relevant ads and content. As defined by the CCPA, we may “sell” the categories of personal information set forth above; as indicated in the table, our “sale” of your personal information is largely for advertising purposes.
We do not knowingly sell any personal information of persons under the age of 16.
Business and Commercial Purposes for Which We Use Your Information. We use and disclose your information for the business and commercial purposes set forth above in this Policy. In summary, we use your information for transactional purposes (e.g., providing our services to you), administrative purposes, legal, customer service, marketing/advertising, and analytics, as described above in more detail. For each of these purposes, we may disclose your information to service providers and third parties to assist us with these functions.
California Residents’ Rights. California law grants California residents certain rights and imposes restrictions on particular business practices as set forth below.
Right to Opt-out of Sale. California residents have the right to opt-out of our sale of their personal information. California defines the term “Sale” broadly, and includes, our selling, renting, releasing, disclosing, disseminating, making available, transferring or otherwise communicating (collectively a “Sale”) your personal information to another business or third party for monetary or other valuable consideration. California residents may exercise their opt-out rights by contacting us at firstname.lastname@example.org or by calling us at (442) 500-5089.
Right to Opt-In. We do not sell personal information about residents who we know are younger than 16 years old without opt-in consent.
Notice at Collection. We are required to notify California residents, at or before the point of collection of their personal information, the categories of personal information collected and the purposes for which such information is used.
Verifiable Requests to Delete, and Requests to Know. Subject to certain exceptions, California residents have the right to make the following requests, at no charge, up to twice every 12 months:
Right of Deletion: California residents have the right to request deletion of their personal information that we have collected about them, subject to certain exemptions, and to have such personal information deleted, except where necessary for any of a list of exempt purposes.
Right to Know – Right to a Copy: California residents have the right to request a copy of the specific pieces of personal information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance.
Right to Know – Right to Information: California residents have the right to request that we provide them certain information about how we have handled their personal information in the prior 12 months, including the:
- categories of personal information collected;
- categories of sources of personal information;
- business and/or commercial purposes for collecting and selling their personal information;
- categories of third parties/with whom we have disclosed or shared their personal information;
- categories of personal information that we have disclosed or shared with a third party for a business purpose;
- categories of personal information collected; and
- categories of third parties to whom the residents’ personal information has been sold and the specific categories of personal information sold to each category of third party.
Submitting Requests. Requests to exercise the right of deletion, right to a copy, and/or the right to information may be submitted by contacting us at email@example.com or by calling us at (442) 500-5089. We will respond to verifiable requests received from California consumers as required by law. When you submit a request to know or a request to delete, we will take steps to verify your request by matching the information that you provide with information in our records. You must provide us with the requested information at the email address or phone number above. We may contact you to verify your request. In some cases, we may request additional information from you to verify your identity. We will contact you using the information contained in your submission if we are unable to verify your identity. Authorized agents may also submit a request on your behalf. To do so, the authorized agent should complete the form and then email us with proof of their authorization. We may require that the relevant consumer also verify that the agent has the requisite authority. We also may contact the consumer for identity verification purposes.
Right to Non-Discrimination, and Incentives. The CCPA prohibits discrimination against California residents for exercising their rights under the CCPA and imposes requirements on any financial incentives offered to California residents related to their personal information.
Discrimination: Businesses may not discriminate against residents who exercise their rights under CCPA. Discrimination may exist where a business denies or provides a different level or quality of goods or services, or charges (or suggests that it will charge) different prices or rates or impose penalties on residents who exercise their CCPA rights, unless doing so is reasonably related to the value provided to the business by the residents’ data.
Disclosure of Incentives: If businesses offer any financial incentives for the collection, sale or deletion of California residents’ personal information, residents have the right to be notified of any financial incentives offers and their material terms, the right not to be included in such offers without prior informed opt-in consent, and the right to be able to opt-out of such offers at any time. Businesses may not offer unjust, unreasonable, coercive or usurious financial incentives. We do not offer any incentives at this time.