Introduction. This Privacy Policy (“Policy”) is meant to serve users of this website as a means to disclose how we collect, use, process, share, manage, and store your personal information and data. This is a required right under most countries’ privacy policy laws and is meant to provide the best experience for users in regard to their data privacy. a.) Contact Details. If, at any time, users would like to exercise any of the rights granted in this Policy, they may do so my contacting us at any of the methods provided:
DISCLAIMERS. This Policy attempts to provide as much transparency as possible in regard to disclosing the fullest amount of information on how we collect, use, and manage users’ data. In an effort to satisfy such efforts, we provide the following disclaimers in regard to specific countries’ privacy laws: a.) Canadian Users. As defined under Canadian law, Personal Information means information about an identifiable individual. The disclosures mentioned herein are meant to transparently convey the methods of collecting, managing, storing, using, protecting, and sharing Personal Information by users. Users grant their consent to this Policy through it being readily available for viewing in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). b.) European Union (EU) Users. In accordance with the General Data Protection Regulation (GDPR), all European Union (EU) users are entitled to specific data protection rights and disclosures, including, but not limited to: i. Right to Access. You have the right to request copies of your personal data. We may charge you a small fee for this service. ii. Right to Rectification. You have the right to request to correct any information you believe is inaccurate on our systems. In addition, you have the right to request that we fulfill any information that you believe is incomplete. iii. Right to Erasure. You have the right to request that we erase your personal data under certain conditions. iv. Right to Restrict Processing. You have the right to request that we restrict the processing of your personal data under certain conditions. v. Right to Object to Processing. You have the right to object to our processing of your personal data under certain conditions. vi. Right of Data Portability. You have the right to request that we transfer any personal that we have collected to another organization, or directly to you, under certain conditions. Any request made under this section, must be processed within one (1) month if made through any of the methods mentioned in Section 1 of this Policy. c.) California Users. Your privacy and rights under the California Consumer Privacy Act (CCPA) and the California Online Privacy Protection Act (CalOPPA) are important to us. We offer this document as a resource to view how we collect, manage, store, and use your personal information in the day-to-day running of our website. This Policy adheres to the rights granted to California users in regard to how we collect, manage, store, and use your personal information as defined under CIV 1798.140(v) of the California Consumer Privacy Act (CCPA).
CATEGORIES OF PERSONAL INFORMATION. In the past 12 months, we have or had the intention of collecting the following:
Identifiers. A real name or alias, postal address, signature, home phone number or mobile phone number, bank account number, credit card number, debit card number, or other financial information, physical characteristics or description, driver’s license email address; account name, Social Security Number (SSN), driver’s license number or state identification card number, passport number, or other similar identifiers.
Protected Classification Characteristics. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Commercial Information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Biometric Information. Genetic, physiological, behavioral, and biological characteristics or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
Internet or Other Similar Network Activity. Browsing history, search history, and information on a consumer’s interaction with a website, application, or advertisement.
Geolocation Data. Physical location or movements. For example, city, state, country, and ZIP code associated with your IP address or derived through Wi-Fi triangulation; and, with permission in on your mobile device settings, and precise geolocation information from GPS-based functionality on your mobile devices.
Sensory Data. Audio, electronic, visual, thermal, olfactory, or similar information.
Professional or Employment Related Information. Current or past job history, performance evaluations, disciplinary records, workplace injury records, disability accommodations, and complaint records; Emergency contact information, such as the name, phone number, address, and e-mail address of another person in the context of having an emergency contact on file, Personal information necessary for us to collect and retain to administer benefits for you and another person relating to you (e.g., your spouse, domestic partner, and dependents), such as their name, Social Security Number, date of birth, telephone number, email, and address.
Non-Public Education Information (per the Family Educational Rights and Privacy Act (20 U.S.C Section 1232g, 34 C.F.R. Part 99). Educational records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Inferences Drawn From Other Personal Information. Profile reflecting a person’s preference, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
ADVERTISEMENTS. In the past 12 months and in the present time, our website: (check one)
Does Have Advertisements. You may see advertisements by use of our website. These advertisements may be for either 1) our own products, services, offerings, and content 2) via 3rd party advertising networks (such as AdSense) or or 3) Affiliate programs such as the Amazon.com Associates Central or related services. The advertisements presented to you may use your personal information and may contact you through other channels outside of the website, such as telephone, e-mail, and mailings. We do not disclose your personal information to 3rd party advertisers except as permitted by applicable laws and regulations, and we require that such 3rd party advertisers follow such applicable laws and regulations when they collect information from you to transfer such information to us.
HOW WE USE PERSONAL INFORMATION. We may use or disclose your Personal Information for the following purpose: (check all that apply)
Offerings. To provide products, services, and offerings that serve the bestmatched advertisements;
Alerts. To provide e-mail alerts and other communications regarding our products, services, and offerings that may be of interest or that you registered to receive;
Obligations. To carry out any obligations for paid products, services, offerings, or any obligations under our terms and conditions or terms of use;
Feedback. To get feedback on website improvements and generally provide an overall better experience;
Testing. For testing, research, and analysis, of user behavior on the website;
Protection. To protect against fraud, safeguard data, and the general security of the website;
Security. To detect security incidents, verify human users, and avoid being subject to malicious, deceptive, fraudulent, or illegal activity;
Law Enforcement. To respond to law enforcement requests as required by applicable law, court order, or governmental regulations;
Intended Purpose. As described for the intended purpose when collecting your personal information; and
Assessment. To evaluate or conduct a merger, divestiture, restricting, reorganizing, dissolution, or outright sale, either wholly or partially, of our assets in which your Personal Information becomes a part of such sale. Our usage of your Personal Information may change over time, and when such changes occur, we will update this Policy accordingly.
SELLING PERSONAL INFORMATION. Our policy is the following:
We Do NOT Sell Your Personal Information. It is not our policy to sell Personal Information, and we have done so in the preceding 12 months.
SHARING PERSONAL INFORMATION. We disclose your Personal Information to 3rd parties for business purposes. The general categories of 3rd parties that we share with are as follows:
Our 3rd party service providers that, without their services, our website would not be able to function in its current manner;
Affiliated websites and businesses in an effort to bring you and our users improved services, products, and offerings;
Other companies, affiliate partners, and 3rd parties that help us advertise products, services, and offerings to you, other users, and potential new customers;
Third (3rd) parties to whom you, or an authorized agent on your behalf, authorized us to disclose your Personal Information;
Third (3rd) parties or affiliates in connection with a corporate transaction, such as a sale, consolidation, or merger of our financial institution or affiliated business; and
Other third (3rd) parties to comply with legal requirements or to disclose Personal Information to government authorities per the rule of law; In the last 12 months, it is recognized that we have disclosed the aforementioned categories of Personal Information for business purposes.
RIGHT AND CHOICES FOR CALIFORNIA RESIDENTS. If you are a California resident, this Section describes your rights and choices regarding how we collect, share, use, and protect your Personal Information, how to exercise those rights, and limits and exceptions to your rights and choices under the CCPA. a.) Exceptions. The rights and choices in this Section do not apply to you if the information being collected is:
Aggregate consumer information;
Deidentified Personal Information; and
Publicly available information. b.) Access to Information. If the above exceptions do not apply, and you have not made this request more than twice in a 12-month period, you have the right to request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months from the date we receive your request. Once we receive and confirm your request on your behalf, we will disclose it to you or your representative:
The categories of Personal Information we collect;
The categories of sources for the Personal Information we collect;
Our business or commercial purpose for collecting or selling such Personal Information;
The categories of third parties to whom we sold or disclosed the category of Personal Information for a business or commercial purpose;
The business or commercial purpose for which we sold or disclosed the category of Personal Information; and
The specific pieces of Personal Information we collected about you in a form that you can take with you (also called a “Data Portability Request”). c.) Deletion Request Rights. You have the right to request that we delete any of your Personal Information that we collect from you and retain, subject to certain exceptions. Once we receive and verify your request, we will delete and direct our service providers to delete your Personal Information from our records unless an exception applies. We may deny your deletion request if retaining the Personal Information is necessary for us or our service providers to:
Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those for such activity;
Debug to identify and repair errors that impair existing intended functionality;
Exercise free speech, or exercise another right provided by law;
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws when the businesses’ deletion of the Personal Information is likely to render impossible or seriously impair the achievement of such research if you previously provided informed consent.
Enable solely internal and lawful uses of such Personal Information that are compatible with the context in which you provided it. d.) Exercising Access, Data Portability, and Deletion Rights. To exercise the access, data portability, deletion rights, or any other rights mentioned herein, a consumer or a consumer’s authorized agent may submit a verifiable request to us by using the contact details in Section 1. e.) Requests. You may only make a verifiable consumer request for access or data portability, in relation to this Section, twice within a 12-month period. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information is related to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided via a verifiable consumer request to verify the requestor’s identity or authority to make the request. f.) Authorized Agent. An authorized agent is any person or legal entity registered with the Secretary of State or similar office that you have authorized to act on your behalf. If a request is made by an authorized agent acting on your behalf, we may require the following:
Submission of evidence by you with your permission for the authorized agent to submit a verifiable request on your behalf;
For you to directly acknowledge, via electronic communication, that the authorized agent is allowed to act on your behalf;
Require the authorized agent to verify their identity; or
For a power of attorney document to be submitted that is signed in accordance with state law. We reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf and cannot verify their own identity to us. g.) Response Timing and Format. As required under CCPA, we agree to respond to any verifiable consumer request within 45 days of its receipt. If we require more time, with a maximum of 90 days, we will inform you, in writing, of the reason. Such notification will be by e-mail unless there is another preferred communication method provided. Any response we provide will cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance. No fee will be charged to process or respond to your verifiable consumer request. h.) Right of Non-Discrimination. We do not discriminate against you for exercising any of your rights in this Policy and under applicable laws. Unless permitted by law, we will not:
Deny you goods or services;
Charge you different prices or rates for goods, services, and offerings, including through granting discounts or other benefits, imposing penalties; or
Provide you with a different level of quality of goods or services.
CHANGES AND AMENDMENTS. We reserve the right to amend this Policy at our discretion and at any time. When we make changes to this Policy, we agree to notify you by e-mail or other preferred communication methods. 10.LINKING TO 3RD PARTIES. We may provide links to 3rd party sources such as websites, applications, content, or software (“3rd Parties”). When you use a link online to visit 3rd Parties, you will be subject to their privacy policy and the jurisdiction of governing law. It is recommended to familiarize yourself with its terms and disclosures regarding your Personal Information. We are not responsible for the handling of your Personal Information when using, accessing, or visiting 3rd Parties. 11.SECURITY & PROTECTION. We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to Personal Information. This includes device safeguards used in accordance with industry standards. It is understood by you that the Personal Information you submit to us electronically may not be secure when it is transmitted to us. Specifically, we recommend that you do not use unsecured or public channels to communicate sensitive or confidential information. 12.CONTACT. If you have any questions or comments about this Policy, the ways in which we collect and use your Personal Information, your choices, or your rights regarding such use, or wish to exercise your rights, please do not hesitate to contact us by using the details mentioned in Section 1 of this Policy.
