Privacy Policy

PRIVACY POLICY

The purpose of this Privacy Policy is to provide you a summary of our information collection and use practices .  It explains how your personal information is collected, stored, used, and shared when collected by us.  You agree to our privacy practices which are accepted through your use of our Website.  If you do not agree with this policy and our practices, you are not authorized to use our Website.

INFORMATION COLLECTION.

We collect the following categories of information about you when you visit and use our Website or participate in our Surveys or other promotions:

    (a) Personal Information.  Your name, address, telephone number(s), mobile numbers and email address, employment status or other unique information you provide to us during the registration process, through our online surveys or through the course of communicating with us for any reason.
    (b) Demographic Information.  This includes your zip code, mobile phone carrier, age, gender, salary range, education, marital status, occupation, military service, industry of employment, personal and online interests.  If you can be personally identified through this information, it is Personal Information.
    (c) Our Website.  We track and record the pages, articles, and ads you visit on our Website, what services or products you access or order, information about your computer hardware and software, including your IP address, general geographic location of the computer or device you are using, browser preference, operating system and other websites you visit.  When we can identify you personally, through the use of this information, it is Personal Information.
    (d) Third-Party Information.  We may collect personal and non-personal information about you from a third-party which may include personal, demographic, and technology information.  This includes information found in cookies or persistent identifiers, and email opt-in records.  We may not have access or control over these cookies and other tracking devices as they are owned and used by unaffiliated parties including advertisers, networks, ISPs, analytics consultants, or social media networks.  We have no responsibility or liability for the policies and practices of these parties.
    (e) Technology Information.  We automatically collect your IP address, browser type, internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and/or clickstream data from cookies, web beacons or other technology.
    (f) No Information Collected from Children. We will never knowingly collect any Personal Information from anyone under the age of 16.  If we accidently do collect such information, we delete the same upon notice.

TECHNOLOGY COLLECTION.

We, our vendors, networks, ISP(s) and supporting advertisers use technologies such as cookies, web beacons, and java scripts to collect information about you.  Using these technologies, we collect your IP addresses, browser type, ISP, referring/exit pages, operating system, date/time stamp, and/or clickstream data.  We use this to analyze trends, monitor and update our Website, ease of movements through our Website and gather demographic information about our user base, as a whole, to attract advertising on our Website.  We may create reports or logs based on these technologies on an individual or aggregated basis.  California residents should be advised we do not respond to do not track signals or cookies.

    (a) Cookies.  If enabled, cookies store small amounts of information on your computer about actions you take on our Website.  This helps us track which of our features you visit most often, and what content you view and keep track of the number of return visits.  We accumulate and aggregate statistical information generally pertaining to our Website, to market our Website and deliver specific content to you based on your past viewing history.  You can modify or disable cookies, but our Website may not function properly for you.  You may read more about cookies at http://cookiecentral.com/faq/.
    (b) Third-Party Cookies.  We use various ad services provided by Google that connects the activity on our Website with their advertising network and they may use cookies that collects information regarding certain patterns in your browsing history.  To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en.  We also participate in all of Google’s Analytics Advertising.  This includes: (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) Google controlled Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting.  Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie.  To opt-out please see https://tools.google.com/dlpage/gaoptout/.  We also use Google Analytics which is an analysis service.  Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services.  You may opt-out of the Google Analytics service using Google’s Browser Add-on here https://tools.google.com/dlpage/gaoptout/.
    (c) Social Media Cookies.  All social media platforms use cookies to collect your IP address, which page you are visiting and to enable the feature to function properly.  Social media features are either hosted by a third-party or hosted directly on our Website.  Your interactions with these features are governed by the Privacy Policy of the company providing it.
    (d) Web Beacons.  We use web beacons to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising.  Web Beacons collect only a limited set of information including a cookie number, time, and date of page view, as well as a description of the page on which the Web Beacon resides.  We may also use Web beacons in email messages sent to you.  This allows us to determine if you opened or acted upon the email message.  Because Web beacons are the same as any other content request, you cannot opt-out or refuse them.  However, they can be rendered ineffective by either opting-out of cookies or changing the cookie setup in your browser.

USE OF INFORMATION. 

    (a) We use the information to provide you with the services and/or products you have requested.  We may share your information with a third-party to provide such services or products.  We do not control the privacy practices of third-parties.  Please contact the third-party with any questions about their privacy practices.
    (b) We use the information to respond to any questions you have, operate, and improve the functionality of our Website, and deliver the products and services.  We use the information for testing, research, analysis and product or marketing development.  Our services include the display of personalized products, content, and advertising, relating to your experience and interests.  This includes maintaining and improving the safety, security and integrity of our Website, databases, and technology assets.
    (c) We use the information to provide other promoted campaigns, products, and services to you that might be of interest to you.  Other parties will use the information we share to provide you with their services and products.  We also use the information to respond to your questions, concerns or requests.

SHARING AND SALE OF INFORMATION.

    (a) Generally. All information, including the personal information, may be used for any purpose we deem appropriate and may be given or disclosed to our affiliates, partners, vendors, advertisers, licensees, and third-parties.  You agree that when you disclose personal information (name, email address, zip code) on or in connection with your use of our Website, Surveys or promotions, such information can be monitored, collected used and shared by us or others and may result in unsolicited messages from other users or third-parties.
    (b) Website Functionality.  We share all categories of information set out in this policy with third-party Service Providers we employ to perform technical or analytical functions on our behalf.  Examples include third-parties who host our Website, analyze our data, provide marketing assistance, and provide customer service.
    (c) Third-Party Products and Services.   We share all categories of information set out in this Privacy Policy with third-parties including affiliated entities, service providers, and data aggregators with your information with third-parties who will provide you with their opportunities, products, or services.
    (d) Anonymized information.  We share aggregated anonymous information about you, combined with Service Providers and other third-party vendors and clients for their analysis, promotion, and marketing.  This includes demographic information and behavioral information.
    (e) Legal Process.  We disclose your information, if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (i) conform to legal requirements or comply with legal process; (ii) protect our rights or property, or our affiliated companies; (iii) prevent a crime or protect national security; or (iv) protect the personal safety of users or the public.
    (f) Acquisition or Merger.  We may disclose and transfer your information to a third-party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets.  In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver, or administrative receiver may sell, license, or otherwise dispose of, such information in a transaction approved by the court.

THIRD-PARTY COLLECTION AND USE OF INFORMATION.

    (a) Advertisers.  Advertising agencies, advertising networks, and other companies who place ads on our Website, may use their own technology to collect information about you.  We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.  We also do not control how such information is used or shared.  Please be sure to read their privacy policy and practices.
    (b) Links.  For your convenience, our Website and email messages sometimes contain hypertext links to websites owned by third-parties.  We are not responsible for the privacy practices or the content of such other websites.  We do not operate or control any information, software, products, or services, available on these third-party websites.  The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization.
    (c) Analytics.  As described above, we use Service Providers to monitor, analyze and report on the traffic to, from and within our Website and email messages.
    (d) Disclaimer to Third-Party Collection and Use.   Our Website offers links to other websites, including links embedded in advertisements and links to various news sources not under our control.  These other websites may have information policies and practices different from ours.  In addition, certain companies associated with our Website have their own privacy policies.  We do not own or control such companies and websites and are not responsible for the privacy policies or practices or the content of websites.
    (e) Storage and Security of Information.   We use reasonable industry-accepted technology and controls to protect your information and data from disclosure to unauthorized third-parties.  Although mostly effective to prevent disclosure, no guarantee can be given that all information you provide to us will not be accessed by unauthorized persons.  Thus, please note that no method of transmission over the Internet or method of electronic storage is 100% secure.  Any transmission of data to use or through our Website is at your own risk.
    (f) Changes to Privacy Policy.   We have the right to make material changes to this Privacy Policy.  We will post those changes through a prominent notice on the Website with no further notice to you.  Please review this policy often so that you will always know what information we gather, how we might use that information, and with whom we disclose, share, and sell it.
    (g) Opting Out.  If, at any time, you prefer not to receive email marketing information or newsletters from us, simply click the unsubscribe link at the bottom of each email or write us at [email protected]

d. Retention of Data (Summary)

We retain Personal Information as long as is reasonably necessary to fulfill the purpose for which it was collected, as required by an applicable law, rule, regulation or contractual provision.  We will retain your Personal Information for the purposes of commercial marketing to you until you request we cease further efforts to provide you such offers or in the event you request deletion of your Personal Information. To determine the appropriate duration of the retention of Personal Information, we consider the amount, nature, and sensitivity of the Personal Information, the potential risk of harm from unauthorized use or disclosure of Personal Information, and if we can attain our objectives by other means, as well as our legal, regulatory, tax, accounting, and other applicable obligations. As such, we retain Personal Information for as long as you continue to use our Websites and/or services for the purposes explained in our Privacy Notice. When you discontinue the use of our Websites or services, we will retain your Personal Information for as long as necessary to comply with our legal obligations, to resolve disputes and defend claims, as well as, for any additional purpose based on the choices you have made, such as to receive marketing communications. In particular, we will retain Personal Information provided, including complaints, claims, and any other Personal Information provided during the duration of your agreement with us for the services until the statutory limitation periods have expired and the necessary for the establishment, exercise, or defense of legal claims.

Once retention of the Personal Information is no longer necessary for the purposes outlined above, we will either delete or de-identify the Personal information or, if this is not possible (for example, because Personal Information has been stored in backup archives), then we will securely store the Personal Information and isolate it from further processing until deletion or de-identification is possible.

CALIFORNIA RESIDENTS RIGHTS.

    (a) Shine the Light.   One time a year, California residents can ask us to disclose what information we received or shared about them and from what category of third-parties this was done for marketing purposes.  California residents also have the right to know we do not respond to do not track signals or cookies.  Please make this request by calling us toll free at 866-221-8501.

    (b) California Consumer Privacy Act of 2018 and California Privacy Rights Act 2020.   The California Consumer Privacy Act (“CCPA”) and California Privacy Rights Act of 2020 (“CPRA”) provides California residents with specific rights regarding their personal information.  Our Privacy Policy and practices already describe that we collect the following categories of personal information: Inferences, Identifiers, Commercial Information, and Electronic Network Information.  We share these categories of personal information with the third-parties described above for the purposes described.


    The CCPA requires we give their residents notice of the following rights:

      (i) Right to Know and the Right to Correct.   You have the right to: (1) the categories of personal information we have collected about you; (2) the categories of sources from which personal information is collected; (3) the business or commercial purpose for the information collection; (4) the categories of third-parties with whom we have shared personal information; and (5) the specifics of personal information we hold about an individual. If you find errors in your personal information and wish to correct the same, please email us the correction.

      (ii) Right to Deletion.   California residents have a right to request the deletion of their Personal Information collected or maintained it in the past twelve (12) months. There are certain exemptions to this, such as legal compliance or to complete a transaction and document that transaction or security incidents; protect against malicious, deceptive, fraudulent or illegal activity (or prosecute those responsible); debug to identify and repair functionality errors; exercise or ensure the right of another to exercise free speech or other legal right or comply with a legal obligation.

      (iii) Right to Opt-Out of the Sale of Personal Information.   You have the right to opt-out of any sale of your Personal Information unless you are requesting a product or service, this is an exemption from this right, and we will process your request.  But you have the right to cease all further sale of your Personal Information.

      (iv) Right to Non-Discrimination for the Exercise of a Consumer's Privacy Rights.  You have a right and we will not undertake any discriminatory treatment against you, if you exercise the privacy rights conferred by the CCPA.

(c) Opt-Out Preference Signal (Global Privacy Control).  You may use an Opt-Out Preference Signal, such as the Global Privacy Control (GPC), to opt-out of the sale/sharing of your personal information. However, this technology and our use of it is not fully developed by the market. Our database containing your information may not be linked to your browser identification and because your request to opt-out of sale/sharing will be linked to your browser identifier only and not linked to any account or database information as the connection between your browser and our database is not known to us, we may not be able to fulfill this request.

If you would like us to make the connection between your browser and your account within our database, please call us toll free at 866-221-8501 or submit the requested form through our Website portal below.


HOW TO MAKE A REQUEST.  To exercise one or more of these rights, either contact us by filling out this form or call us toll free at 866-221-8501.

RESPONSE TIME AND RESPONSE FORMAT.  We will process requests to opt-out of sales within 10 business days, subject to any applicable exceptions and extensions permitted by law. We will process all other privacy requests within 45 days, subject to any applicable exceptions and extensions permitted by law.  In certain circumstances, we may decline a privacy rights request, particularly where you are not a resident of California, or where we are unable to verify your identity.