Effective Date: December 7th, 2023
CHANGES TO THIS PRIVACY STATEMENT
THE INFORMATION WE COLLECT
We may actively or passively collect any or all usage data available from our visitors including, but not limited to, browser software name/type, operating system name and version, screen resolution, referring page, name, age, phone number, email addresses, IP addresses, local , phone numbers, physical addresses, links clicked, time on site, etc. We may also actively solicit such information via forms. NOTE: If submitting information for the intent of entering a contest or creating an account, you must be 13 years of age or older and agree to our Terms and Conditions. All information provided by the visitor may be stored and retained by us in perpetuity and may be used and disclosed as permitted in this Policy. We may also use such information to solicit and/or retrieve credit reports (“Finance Information”).
We may maintain relationships with outside service providers. The information these providers make available may be embedded within our pages or presented in a “framed” format, where our page border will surround the content served by the service provider(s). We may also directly link to the vendors’ content. Please be aware that any information you provide to our outside service providers is subject to their respective Terms of Service and/or Privacy Policies and may differ from ours.
HOW WE USE THE INFORMATION WE COLLECT
Any information we obtain from you, either passively or actively, may be stored on our servers, 3rd party servers or in a cookie on your device. This information may may be used internally or shared with third-parties. This information may also be used to confirm and fulfill a request you are making, to follow-up on that request, and/or to communicate with you about a product or service. Messages that we send to you for these purposes may incidentally include promotional material or other content from our partners or affiliates.
We may perform statistical analyses of your behavior in order to measure interest in the various areas of our pages, for development purposes, and/or to inform affiliates and partners about visitors who click on their links or other messages. In these analyses, we may disclose information to third-parties. We may also use your information to pre-fill forms on your behalf.
We may share your personal information with our affiliates in order to identify products or services in which you may have interest, to improve our user experience and, generally, to engage in market research and for other internal business purposes. We may also aggregate your personal information with others’ information and prepare reports on site usage, purchase history or other factors for sale or distribution to others. Those reports are aggregated and may include personally identifying information. Finally, we may use your personal information to send you email or postal communications regarding products or services offered by us or by third-parties with whom we have relationships in which we think you may be interested.
- For direct marketing purposes. (We do not and cannot control their subsequent use or disclosure of information.)
- To perform analytical services. We may work with third-parties that do analysis and development on our behalf. We may share your personal information with such a third-party.
Data Collected in Connection with Ad Serving and Targeting: We may provide your information to partners and affiliates for use in serving and targeting advertisements, promotions, or other marketing messages you see on the pages of our site and other websites.
We understands the importance of security for our visitors. We may use industry-standard SSL (Secure Socket Layer) encryption technology to protect personal data, such as credit card information and finance or insurance application information, during transmission, and maintain other commercially reasonable precautions to protect information that we store or retain. However, no physical or electronic security system is impenetrable. We cannot guarantee the security of our servers or databases, nor can we guarantee that information you supply won’t be intercepted while being transmitted over the Internet.
LOCAL DATA STORAGE
We may store data on your accessing device to later identify you (herein referred to as a “cookie”). A cookie may contain a information that allows us to identify you and perform such tasks as tracking the pages you’ve visited, frequency, etc. We may aggregate this data with data on the pages visited by other users to track overall visitor traffic patterns.
PERSONAL INFORMATION FROM NON-U.S. CITIZENS
Unless specified otherwise, all users must be at least 13 years of age and a legal resident of the United States to participate in any activity that requires the submission of personal information. By your participation in our site activities, you certify that you are at least 13 years of age and a legal resident in the U.S. Our products/services are designed and targeted to United States (U.S.) audiences and is governed by and operated in accordance with the laws of the United States. We make no representation that this site is operated in accordance with the laws or governed by other nations. If you are located in the European Union or elsewhere outside of the U.S., and you participate in activities on this site, contrary to our policy that only U.S. residents are eligible for certain activities, you do so at your own risk and initiative and are responsible for compliance with any applicable local laws. Please be aware that any personal information you transfer to us will be transferred to the U.S and subject to U.S. law. By using this site, participating in any site activities, and/or providing us with your personal information, you consent to this transfer of personal information to the U.S., and waive any claims that may arise under your own national laws.
PROTECTING THE PRIVACY OF CHILDREN
We define “children” as those younger than 13 years old. Our website is not directed at children under 13 and we do not knowingly collect or use any personal information from children or provide personal information to any third-party from our visitors younger than 13 years old. We do not knowingly allow children to register with us or participate in any of our services. No information should be submitted to or posted to us by visitors younger than 13 years old without the direct consent of the child’s Parent and/or Guardian. If you’re under 13, please do not provide any information about yourself to us. NOTE: If information is provided to us by a minor, the parent or guardian MUST inform us immediately to remove the user information from our contact database.
USE AND DISCLOSURE OF FINANCIAL INFORMATION
We may use and store your credit card information only to bill you for the products and services you order from us. We do not share your credit card information except as may be necessary to process your transactions or comply with law. Purchase Request information may be used to transmit to third-parties for products or services and to contact consumers regarding purchases. Similarly, finance information is used to transmit to third-parties requests for financing. Typically, in either case, the information is transmitted to retailers, private party sellers, manufacturers, lenders or fulfillment entities, as applicable, who may be in a position to respond to your request.
Purchase Request or finance information transmitted to a retailer, manufacturer, lender or fulfillment entity becomes the property of that retailer, manufacturer, lender or fulfillment entity, in addition to us. The information is used to process your purchase request or financing application and to provide you with information about goods and services. Any request to opt out of future retailer, lender, manufacturer or other third-party communications must be made directly to that third-party.
AFFILIATE LINKS, PRODUCTS & SERVICES
We may feature products and services from third-party affiliates and partners. We share with these third-parties such information as is necessary for them to provide the products or services.
We may occasionally release information about our visitors when appropriate to comply with law, to enforce our Terms and Conditions or to protect the rights, property and/or safety of visitors to our site, the public or us. We may share email addresses we collect with advertisers (or their designated agents). We may share information within our databases with partners and/or affiliates. Some of the information in our databases may be personally identifying.
YOUR RIGHT TO OPT-OUT
We will adhere to all U.S. legal requirements for communication such as the CAN-SPAM Act. Information on opting out of communications will be provided as necessary.
If you have any questions or concerns regarding privacy, security, opting-out or understanding how your personal information is being used by us or our affiliates and partners, please contact us.