For purposes of compliance with the California Financial Privacy Act and the Vermont Consumer Protection Act, 8 V.S.A. 10202, if you are a resident of the State of California or Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at the address listed further below.
For each visitor to our Website, our web server automatically recognizes certain non-personally identifiable information such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using, (e.g., Windows 2000 or Mac OS), and the domain name of your Internet service provider (e.g., TimeWarner, ATT or etc.).
Personally Identifiable Information Collected
Use of Personally Identifiable Information
Privacy Rights of California Residents
Owner may, from time to time, share the personally identifiable information of California residents with unaffiliated third parties for their direct marketing purposes. As a California resident, you have a legal right to request and receive in writing or by email the names and addresses of all such third parties who received your personally identifiable information during the previous calendar year and a list of the types of personally identifiable information disclosed to such third parties. To request such information, send an email or letter to the contact information listed further down in this document. We will not honor such requests more than once per calendar year.
Collection and Use of Demographic Information and Aggregate Data
Owner gathers non-personally identifiable information through the use of some or all of the following processes:
Usage Tracking: Owner tracks information related to the electronic mailings and web pages viewed by users, as well as the hyperlinks clicked by users while viewing our emails and the pages on our Website.
Log Files: Log files are used to track and monitor user activity on the Website.
Beacons: Owner's mailings contain web beacons, or a piece of computer programming code that is used to associate a user's interaction with our mailings, in order to tailor future campaigns to the user's preferences. A web beacon is a small image that, when loaded, updates our database records. For example, if you receive an email about bowling and open that message, the database will be updated via the web beacon to indicate your interest in future bowling promotions.
Owner also creates reports on user demographics and usage patterns for our partners. This information allows our advertisers to market more effectively, and allows our users to receive advertisements that are more pertinent to their interests.
Owner reserves the right to provide aggregate or group data about our users for lawful purposes. Aggregate or group data is data that describes the demographics, usage or characteristics of our participants as a group.
Users under eighteen (18) years of age are not allowed to use the Website, or sign-up for any Services and/or Sweepstakes. No information should be submitted to, or posted at, the Website by visitors under eighteen (18) years of age without the consent of their parent or guardian. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
Third Party Entities
Users may receive e-mail confirming their registration for applicable Services and/or Sweepstakes, as well as promotional marketing of commercial products and services. If you do not want to receive e-mail from us in the future, please let us know by sending an email to the contact information listed further down in this document. Users may also unsubscribe from receiving our electronic mailings at any time by following the instructions contained within such email messages, or by unsubscribing via the Website. Owner's unsubscribe process impacts only the future delivery of electronic mailings disseminated by Owner on its own behalf. Users that have unsubscribed from receiving mailings from Owner may still receive electronic mailings sent on behalf of third-parties and their personal information may still be shared with third parties for use in offline marketing. Owner users should also note that unsubscribing from our electronic mailings will not automatically unsubscribe the user from any third-party licensees' email lists. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. This allows the end-user the freedom to pick and choose which subscriptions to maintain and which to discontinue.
Currently, Owner does not offer users a means by which to completely delete personal information from our databases. Instead, subscription status can be set to "unsubscribed" to suppress inclusion from future Owner electronic mailings.
All collected information is stored in a technically and physically secure environment. When our registration/application process asks users to enter sensitive information (such as Social Security Number and bank account information), and when we store and transmit such sensitive information, that information is encrypted and is protected with SSL encryption software. While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user information off-line. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we employ reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all user information. Employees not adhering to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures. If you have any questions about security on our Website, you can email us at the contact information listed below.
Contact US. If you have any questions regarding the Agreement, or would like more information from us, please contact us:
743 Gold Hill Place South #124
Woodland Park, CO 80863
Lender Specific Information
Your Insurance Application may be shared with the consumer Lending Institutions and your consent to be contacted by these partners by autodialer, text, and/or pre-recorded messages: