Types of Information We Collect and How We Use It
We endeavor to comply with the privacy laws and regulations of the United States of America. We make no representation that this Website is governed by or operated in accordance with the laws of other nations or jurisdictions. Those who choose to access the Website do so on their own initiative and at their own risk, and are responsible for complying with all applicable laws, rules and regulations.
Personally Identifiable Information
We will collect and use Personally Identifiable Information about you in a number of ways, including:
- responding to your request for products or services offered through the Website; and
- notifying you about products, services, and other opportunities we think will be of interest to you, including, without limitation, by e-mail, telephone, or SMS Message Service.
If you would like to make corrections or updates to your Personally Identifiable Information, including your email address, phone number, or mailing address, or your credit card information or password reminder phrase, you can easily make them through the edit profile section of your account. We reserve the right to collect information about you from other sources and store it in connection with other online or offline information we may possess or obtain about you.
Sources of Personally Identifiable Information
The Personally Identifiable Information which we collect and use may come from a number of sources, including:
- Registration Information, which you provide when registering for our services or products offered through the Website. For example, you will be required to submit personal information such as your name, address, email, and date of birth to verify your identity prior to establishing your account.
- Billing information, such as a credit card number, card issuer, cardholder name and other account details, which is required or requested to process the payment for the products or services you order from us.
- Other information we collect, such as the city of your birth and your mother’s maiden name, which is used to verify your identity in the event you forget your login information required for our online products or services.
- Information you provide to us in response to our communications. For example, we may request that you provide your e-mail address so that we may send you notifications, alerts, special offers and newsletters.
- Information that you provide to us through customer service communications and correspondence, including general feedback.
- Information you provide to us responding to products or services offered through the Website, including information you provide in order to check the status on your application.
Non-Personally Identifiable Information.
Certain non-personally identifiable information, including but not limited to the type of browser you are using, the operating system running that browser, your device ID or MAC address, and your IP address (“Non-Personally Identifiable Information”), may be automatically recorded by the standard operation of the Website or its internet servers. Even if you do not provide information to us, we automatically collect certain information about your use and interaction with our Website and services. This Non-Personally Identifiable Information can be used to help diagnose server problems, administer the Website and generally enhance your online experience. We will also collect certain information arising out of your use of the Website, such as cookies, or web beacons, or augment the data we collect with other information from other online or offline sources, including the Demographics and Interest Reports and User-ID tracking features of Google Analytics, AdWords and/or AdSense or other tracking or third-party remarketing codes. You are able to opt out of Google Demographics tracking by installing the official Google Analytics opt-out browser extension here. We also may collect other Non-Personally Identifiable Information such as: (i) age; (ii) gender; (iii) interest categories (e.g., sports, travel, food & dining); or (iv) parental status. We reserve the right to collect information about you and store it in connection with other online or offline information we may possess or obtain about you.
In addition, when you access our Website or use our services on a mobile device, we may collect certain information automatically, such as the type of device you use, unique device ID, wireless mobile subscriber information, operating system, and information about your use of our services. With your consent, we may use available services on your device to determine your precise location. Our services may be supported by advertising, some of which may be customized based on information we collect or receive about you or your devices, including your location.
Pages on our Website also may contain “web beacons” (also known as Internet tags, pixel tags and clear GIFs). Web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party. We use log files to store the data that is collected through web beacons.
All of your Personally Identifiable Information and Non-Personally Identifiable Information, as well as any other information described above may be referred to collectively as the “User Information.”
How We Respond to Do Not Track Signals
We do not currently support the Do Not Track browser setting.
Sharing of Information
We reserve the right to share, rent, sell, or otherwise disclose certain of your User Information, including Personally Identifiable Information, with affiliated and non-affiliated third parties, including without limitation in connection with the following:
Special Offers – We sometimes disclose the information we collect to affiliated companies for marketing purposes and to enhance our products or services to better suit your needs. When identifying methods of improving our products or services, or if we think a product or service may be of interest to you, we may extend select special offers of goods or services to you. If you would like to opt-out of receiving these offers, please refer to the “Offering You Choices - Marketing Options,” section below.
Vendors – We sometimes disclose the information we collect to non-affiliated third party companies that operate various services for us, such as marketing, distribution, advertising, analytics, data or list management, or certain product functionalities, or who otherwise provide goods or services which may be of interest to you. If you provide information to us, you are expressly consenting to receiving telephone calls, emails or text messages, or direct mail, from us, or on our behalf, regarding the products and services offered on the Website.
As Permitted by Law - We may share your Personally Identifiable Information with non-affiliated third parties as permitted by law.
Cooperation with Government Agencies/Response to Subpoenas and/or Court Order – In order to protect our rights, property, personal safety, and those rights, property and the personal safety of our users and viewers, and to ensure the integrity and operation of our business and systems, may choose to cooperate with any law enforcement request for information or documents, any administrative, civil or criminal subpoena, or any court order, and we may disclose your information (including, without limitation, user profile information (i.e. name, email address, etc.), IP addressing traffic information, and usage history regarding a user in connection with such circumstances.
Transferability of Information – We may share your User Information and other data with businesses controlling, controlled by, or under common control with us. In the event we go through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of our assets, your Personally Identifiable Information and other User Information will likely be among the assets transferred, and you hereby consent to such transfer.
In addition to the above, we may disclose your Personally Identifiable Information in special cases when we have reason to believe that disclosing this information is necessary: (a) to identify, contact or bring legal action against someone who may be causing injury to or interfering (either intentionally or unintentionally) with: (i) our legal rights or property, (ii) another visitor or anyone else that could be harmed by such activities; or (b) by operation of law.
Please be advised that certain Personally Identifiable Information becomes a matter of public record upon the filing of certain documents with the appropriate government agency or court.
Offering You Choices - Marketing Options
You have choices when it comes to learning about our new offers, products or services, as well as those offered by our affiliates. If you do not wish to receive these offers, you may opt out by contacting our Customer Care department via our Contact Us page. Alternatively, each marketing e-mail we send to you will include instructions how to opt-out which you may utilize. Please note that you may still receive information from third parties to whom we have disclosed your information prior to the time you opted-out. You should contact each party in the event that you no longer want to receive information from such party. Whether or not a customer has opted out of receiving certain communications from us, customer may continue to receive transactional, non-marketing emails necessary to provide our services or otherwise relevant to your interaction with our Website, including, without limitation, communications affecting your rights, communications necessary to comply with regulatory requirements or investigations, or communications exempted pursuant to the California Consumer Privacy Act or other applicable laws, rules or regulations.
We do not currently support the Do Not Track browser setting.
We work hard to protect your personal information and use industry standard protocols and technology to protect to protect the security of your User Information against data theft by unauthorized third parties. However, we cannot guarantee that our security measures will prevent our computers from being illegally accessed, and the data on them stolen or altered, and we assume no liability or responsibility to you or to any third party arising out of any loss, misuse, destruction, or alteration of your User Information. Moreover, please take into account that the Internet and e-mail transmissions are not secure or error free communication means. We encourage you to always take great care in handling and disclosing your personal information. For example, avoid sending personal information through insecure email. We also urge you to be aware that if you use or access our Website or services through a third-party computer network (e.g., internet cafe, library) or other potentially non-secure internet connection, such use may increase risk of unauthorized access to your User Information and you do so at your own risk. Please refer to the Federal Trade Commission’s website at http://www.ftc.gov/bcp/menus/consumer/data.shtm for information about how to protect yourself against identity theft.
Data Transfers, Storage and Retention
Website has its headquarters in the United States of America (USA). Henceforth, your personal data may be accessed by us or our affiliates, agents, partners, or third party service providers elsewhere, and you hereby consent to such access and transfer by providing us such information. If you are accessing our Website from other regions, you ought to know that you are thereby transferring your User Information to the USA and, thus, you hereby consent to such transfer to the USA or to any other country in which we operate.
We will retain your User Information for as long as your account is active or as long as needed to continue to offer or provide services to you or track customer accounts, in our sole discretion, in accordance with applicable laws, rules and regulations. The foregoing notwithstanding, to the fullest extent permitted by law, we reserve the right to archive, delete or purge your User Information at any time, including permanently erasing, relocating or migrating your User Information from or between our websites, servers, databases or platforms, including upon your request, or to comply with any laws, rules, regulations, court or administrative orders, or upon the advice of counsel.
Persons Under the Age of 18
In order to use the Website and/or its products and/or services, you must be at least 18 years of age. The Website is not directed to or intended for use by persons under the age of 18 and we not knowingly solicit personal information from such persons or send them requests for non-public personal information. If we become aware that we have inadvertently received Personally Identifiable Information directly from someone under the age of 18, we will delete such information from our records. If you are under the age of 18, you are not permitted to use our Website, products or services, or send us any personal information.
Notification of Changes
Visitor’s Acceptance of These Terms