PRIVACY POLICY

By using any of the Services associated with this website and any mobile applications (the "Services"), you consent to the following Privacy Policy and Terms of Service related to our collection, use, and disclosure of information about you. Your use of the Services will be governed by the applicable provisions of the Terms of Use, which are incorporated into this Privacy Policy by reference.

This Privacy Policy explains the information we collect, how we use and store it, and with whom we share it.  This Privacy Policy explains your options and rights and we encourage you to read it carefully and to check back often to review any changes.  We may update this Privacy Policy occasionally, and we encourage you to check the effective date of this Privacy Policy whenever you use Services to see if there have been any changes since your last visit.  Your continued use of the Services is your agreement to any of those changes.

SMS AND OPT-OUT

By providing your mobile number, you agree to receive messages from the Company.  Message & Data Rates may apply.  Message frequency varies.  You may receive help by replying 'HELP' to a text message you receive. 

You may "Opt Out" of receiving SMS and any other Company Services by:

1. Sending us a text message "STOP" - this will indicate that you no longer wish to receive messages we would otherwise send to you via SMS or other messaging services.
2. Closing any Account you have created with the Services.
3. Removing/Deauthorizing any Company apps that you have installed.

NOTE: You agree that your option to "Opt Out" does not preclude our right to contact you via mail (or your preferred contact method) regarding your specific account, including any fees owed, privacy notifications, or other legal notices.

INFORMATION WE COLLECT

Information Collected from You. We may collect information such as your name, email, phone, and other contact information. We may collect information about your interests.

Information Collected about Your Use of Services.  We automatically collect information from you related to your use and navigation of the Services, including this website.  This information may be collected by us or our third party service providers using website analytics tools or other technologies, like cookies, in order to collect information about your visit to and use of Services, including the website pages you visit, links you click and other actions you take while using Services.  We may also collect information that your browser automatically sends to the websites you visit, such as your IP address, browser type/language, and other information.  All of this navigation and usage information (together, Usage Information ) help us to improve your experience in using Services.

Information Collected from Mobile Apps or Devices:  If you choose to use a mobile device to access Services we may collect information from your device, such as your geolocation data, which will enable some functions in accordance with your device settings ( Mobile Device Information ).  

Aggregated Information: We may also create aggregated, anonymized information that may include or be based on Your Information, Usage Information and Mobile Device Information, along with the similar information of other users ( Aggregated Information ).  Aggregated Information does not identify you.

We store information in servers connected to the internet which are secured and encrypted. However, you understand that no storage, processing or transfer of any information can be guaranteed to be completely secure.

We may use and share information in the following ways:

• to provide you with access to and use of the Services, to service your account, to provide you with general information about the Services, to answer your questions, to provide you with information you request, or to provide you with information about your account, registration or use of Services.
• to diagnose technical problems or to detect or prevent security issues.
• for our own internal business purposes including statistical, design or operational purposes, such as to measure traffic patterns and understand demographic trends among our users.
• with third parties that perform services on our behalf.  We will require them to comply with this Privacy Policy.
• with our related companies, such as affiliates, subsidiaries, joint ventures, or other companies under common control with us.  We will require them to honor this Privacy Policy.
• in connection with a merger, sale of all or some of our assets, debt financing, or other corporate event, including for due diligence for such a transaction (collectively, a Corporate Change ).  In the event of a Corporate Change, we may transfer information, in whole or in part, to the relevant third part(ies) and, if such Corporate Change actually occurs, information will then be subject to the privacy policies of such third part(ies).
• as required by law, when we believe it is appropriate to comply with law enforcement requests, to enforce this Privacy Policy or any other agreement with you, or to protect our and our users rights, property or safety.
• to send you any periodic email or newsletter communications on topics generally relevant to our users. We will provide you with an opportunity to opt-out and/or unsubscribe to such communications.
• We do not sell information to third parties. 
• We may use, share and/or sell information that does not identify you for any purpose, including providing it to third parties for their own business or marketing purposes.

We may use the following technologies to collect Usage Information:

• Cookies are small text files inserted and stored by your web browser on your computer s hard drive. They help us determine what parts of the website you visited, and also help us analyze and improve the design and technology of Services.  Your browser may permit you to disable cookies; please refer to your browser settings for further information.  However, if you disable cookies, you may not be able to use all of the features and functions of Services, and any settings or preferences you previously set that are controlled by the cookies may no longer be available.

• We use navigational technology, including audit logs, which provides us with information on how you are using the website and other services, similar to cookies.   We may use widgets and plugins so that you can use the Services more efficiently.   If these interactive mini-programs are made available to you on Services, you understand that they run on the website and collect your IP address, which page you are visiting on the website, and set a cookie to enable the widget to function properly.  Your interactions with these widgets are governed by the privacy policy of the company providing them, and not by this Privacy Policy.

This description of technologies used is not comprehensive, as we will continually update our systems to provide you with the best possible online experience.

YOUR RIGHTS

You may have additional rights under the laws where you reside. In addition to all your rights under other parts of this Privacy Policy, your State law may provide you with the right to:

• Request that we provide you with information about whether and to whom we have disclosed or sold information;
• Request to have a copy of the specific information collected about you during the twelve months before your request;
• Have information about you deleted (with some exceptions);
• Request that information not be sold to third parties; and
• Not be discriminated against because you have exercised any of these rights.

* NOTE: We Do Not Sell Your Information *

You may make any of the above requests by contacting us. You may make such requests no more than twice in any twelve month period.  You understand that we may need to collect information from you to verify your identity in order to respond to your requests -- once a request is received, we will do our best to respond within 45 days.

If you request that we delete information about you, you understand that it may not be possible to delete information from our backup systems.  We will delete records in accordance with our general record retention policies and do not have any obligation or liability to you regarding information that is deleted.

PREVAILING LAW

The website and information is maintained in the United States of America, and will be processed and shared in the USA, where the laws and protections regarding data and information may be different from those of other countries.  If you are located in a country other than the USA, please be aware that information will be transferred to the USA and, by providing such information, you consent to such transfer.

THIRD PARTY SITES

This website and the Services may contain links to other websites and information solely for your convenience.  Please note that such other websites may have privacy policies different from ours and any use of such other websites and/or any information you provide to or through such other websites will be subject to the terms or use and privacy policies of those other websites and not this Privacy Policy.  We recommend that you review any third party privacy policies carefully before using those websites and/or providing any information to them.

CHILDREN

You must not use this website if you are under 18 years of age. We do not knowingly collect or solicit any information from minor children under the age of 18 or knowingly allow such minor children to create a user account. If we learn we collected or received information from a minor child under 18 without parental consent, or without verifiable reasons to believe the person under 18 is legally allowed to provide his or her own consent, we will delete that information.

DO NOT TRACK

Some web browsers provide do not track signals or other similar mechanisms that provide users the ability to exercise choice regarding the collection of personally identifiable information about an individual s online activities over time and across third-party websites or online services.  We do not take any action in response to web browser do not track signals or similar mechanisms.  Although we use Google Analytics and other third party tracking tools for the website, we are not aware if third parties collect personally identifiable information about an individual s online activities when such individuals use the website.

UPDATES

We may modify these Policies and other Terms from time-to-time. A current version of the Policies and Terms will be available on the website. You agree to review the current Policies and Terms each time you visit the website.  If you do not agree with the current Policies and Terms, you agree that your sole remedy is to stop providing information to us after the effective date of such modification and to stop using Services.

If you have any questions about the current Policies or Terms, you agree to contact us to receive clarification before continuing to use the Services. You agree that any clarification will be made only in writing as an update to these Policies and Terms.