Personal and Financial Data
The Company collects personal information when you visit the Website. Much of this information is collected during the registration and/or application process and, while some items are optional, some are required for legal or security purposes. You may choose to provide additional information during subsequent visits to the Website; in some cases, this additional information will be required by us as a condition of your availing yourself of the Company’s goods or services, or your continued use of the Services.
Generally, the type of information we collect includes, but is not limited to:
• Data required to verify your identity;
• Personal and financial data necessary to assess your eligibility to utilize the Services on the Website; and
• Non-identifiable and aggregated personal data pertaining to your Website visits that help the Company evaluate and maintain quality control with respect to the features, functionality and user experience of the Website.
Registration pages and forms will require you to provide basic personal data. This typically includes your name, email address, home address and phone number. The Company uses this data to: (i) enable you to register with, log in and return to the Website; (ii) establish your eligibility to utilize the Company’s goods and services; (iii) verify your age; (iv) guard against potential fraud; and, (v) contact you if we would like to reach you; and (vi) maintain regular and reliable communications with you regarding interest in Company activities and related matters.
We also gather the names and email addresses of users and visitors who contact us through the Website with questions about the Company, the Website or the Services. We collect this information for the sole purpose of responding to such inquiries and improving the Website and the Services; we generally do not store the contact information unless requested to do so, as in the case of job applicants who submit resumes.
Other Personal Data
The Company and its service providers may also collect web surfing data related to your use of the Website. Such information may include: your Internet Protocol (IP) address, browser type, and internet service provider (ISP); your operating system; which of our web pages you access and how frequently you access them; referral or exit pages; click stream data; and the dates and times that you visit the Website. This data may be collected using cookies, web beacons, page tags or similar tools. As with cookies, the web surfing information is anonymous, “click stream” transactional data that is not associated with any users as individuals.
Web surfing data and similar information may be aggregated for administrative purposes. We may use this aggregated information in the administration of the Website to improve its usability and to evaluate the success of particular marketing and advertising campaigns. We also use it to help optimize the Website based on the needs of our users.
Sharing of Personal Information
We do not sell or rent personal information about our users for marketing purposes. We do, however, work with a number of trusted partners who perform vital functions as part of our operations.
Additional Sharing of Information
We also may work with (among others) providers of hosting services for the Website, electronic signature providers, and electronic payment service providers. We may engage third parties to help us carry out certain other internal functions such as account processing, client services, or other data collection relevant to our business. Examples of third parties might include those that perform data processing. Information is shared with these third parties only to the extent necessary for us to process the transactions you initiate or perform other specific services, like collections. Our partners are legally required to keep your information private and secure.
We may share your information with law enforcement or other government agencies as required by law or for the purposes of limiting fraud. We reserve the right to disclose your personally identifiable information when we believe that disclosure is necessary to protect our rights or to comply with a judicial proceeding, court order or legal process. We further reserve the right to disclose any of your personal information that we believe, in good faith, appropriate or necessary to take precautions against liability, to investigate and defend against any third party claims or allegations, to assist government enforcement agencies, to protect the security or integrity of the Website or our services, or to protect the rights, property or personal safety of the Company, its users, issuers, or others.
Notifications and Communications from Our Website
The Company will send you email notifications from time to time. Some notifications are required elements of your transactions on our Website, such as confirmations of particular actions you have taken.
We also send out notices that are required for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that another person cannot make a change to your account without your knowledge. In other cases, these notifications may involve changes to various legal agreements or Website policies about which we would like to inform you. Generally, you may not opt out of such service-related emails.
When you apply for Company goods and services, you will receive emails that confirm specific actions you requested. These may include emails to which you must respond to complete your registration and notifications confirming your application and, perhaps, requesting additional or supporting information.
We may also send you responses to emails you send us, if appropriate. From time to time, we will also send user surveys, requests for user feedback regarding user experience and Website operations, or marketing offers from us or from us on behalf of our marketing partners. Completing these surveys, answering requests for feedback, or accepting any offer is strictly voluntary. If you do not wish to receive these surveys, user feedback emails, and/or marketing offers, please opt out in any offer email you receive from us.
Where You Can View and Correct Your Information
Links to Other Sites
The Website may be accessed by users located outside the United States. If you choose to use the Service from the European Union or other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that you are transferring your personal information outside of those regions to the United States, and that by providing your personal information on or through the Website then you consent to that transfer.
We limit access to the personal information we have about you to those employees who have a legitimate business need to access such information. In keeping with industry standards and practices, we maintain appropriate physical, electronic and procedural safeguards and controls to protect your information. The Website is built upon a secure infrastructure with multiple layers of protection, and we use industry-standard encryption technologies to safeguard your information.
Users are required to identify and authenticate themselves prior to accessing sensitive portions of the Website. Generally, identification and authentication take place through the use of your username and a password and/or while logging in with one of our technical support staff.
Notifications of Security Systems Breach
If we learn of a security systems breach, then we may attempt to notify you electronically so that you can take appropriate protective steps. We may also post a notice on or through the Website in the event of a security breach. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.
Take Precautionary Measures
You can take several precautions to protect the security of your computer and personal information. For instance, you can use a strong password and restrict access to your email account. You can also install and regularly update antivirus and firewall software to protect your computer from external attacks by malicious users. When you are finished with a session on the Website, be sure that you log out and close the browser window.
You should also be aware of fraudulent attempts to gain access to your account information through "phishing," whereby scammers try to bring unsuspecting people to a website by using a genuine-looking email purporting to be from a legitimate company. Sometimes, either in the email itself or on this fake site, scammers will ask for login information to gain access to people's accounts and withdraw their money.
We will never send you an email asking you for your login information. In general, you can protect yourself against phishing by never providing personal or login information via a link contained in an email; instead, go the website directly from your browser’s home page.
ATTENTION KIDS: No information should be submitted to the Company by children under 18 years of age without their parent's or guardian's consent. The Company does not monitor the age of its user audience.
The Company reserves the right to change this policy at any time by posting notice of the existence of a new privacy statement. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.