Last Updated: June 19, 2017
AdSkale LLC, a California limited liability company ("AdSkale," "we," "our" or us") is the owner and operator of this website. AdSkale is concerned about privacy issues and wants you to be familiar with how we collect, use, and disclose Personal and Non-Personal information.
2. Personal Information
The Personal Information We Collect
We collect Personal Information when you interact with us on our Sites, including when you enter one of our Sites on one of our forms, and at other points in your online interaction with us.
The "Personal Information" we collect is information that identifies you as an individual, such as your:
á Postal address
á Telephone number
á Email address
á Credit or debit card number
In some cases, we may collect additional information, such as your age, weight, existing health and disease conditions; whether or not you use tobacco; how many children you have and the gender of your children, which is combined with your Personal Information. Whenever this additional information about you is combined with your identifying Personal Information, we will treat your additional information as Personal Information as well.
How Personal Information Is Used
We may use your Personal Information:
á When you request that we connect you to vendors who can provide you with information about products and services.
á When you submit Personal Information to us that includes your telephone number, which submission you understand and hereby agree constitutes your making an "inquiry" to us and our affiliated entities, asking us to contact you or to allow our vendors to contact you by telephone for a limited period. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state). By including your telephone number and/or email address in any submission, you are extending an express invitation and providing your express written consent to us and each vendor you have been matched with (our "Service Providers" and our "and Service Providers' Agents") (i) to contact you by telephone at the numbers you have provided (including through auto-dialed, pre-recorded, artificial voice, and/or text messages) so that we or they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, and (ii) to contact you by email at any email address you provided. You understand that you are not required to provide this consent to contact you as a condition of purchasing any goods or services. You represent that all of the information you have provided in your submission is true and complete. By submitting your Personal Information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that HARPLoanAdvisor.org has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act).
á When you begin to submit Personal Information on a form and then abandon the form, to contact you to see if you would like to complete your submission at a later date and to help you do this.
á To respond to your inquiries and fulfill your requests, such as to send you newsletters.
á To send you important information regarding our Sites, changes to our terms, conditions and policies, and/or other administrative information.
á To send you surveys and marketing communications that we believe may be of interest to you.
á To personalize your experience on our Sites by presenting advertising, products, and offers tailored to you.
á To allow you to send messages to a friend through our Sites. By using this functionality, you are telling us that you are entitled to use, and to provide us with, your friend's name and email address.
á For our business purposes, such as data analysis, audits, developing new products, enhancing our Sites, improving our services, identifying usage trends, and determining the effectiveness of our promotional campaigns.
á If you purchase a product or service through us, to complete and fulfill your purchase (for example, to have your payments processed, communicate with you regarding your purchase, and provide you with related customer service).
How Personal Information is Disclosed
Your Personal Information may be disclosed:
á To our third party Service Providers and Service Providers' Agents who provide services such as contact information verification, payment processing, order fulfillment, customer service, website hosting, data analysis, infrastructure provision, IT services, email delivery services, auditing services, and other similar services to enable them to provide such services.
á If you request information from vendors so that they (or so that third parties who provide similar services) can provide you with information about their products and services. For example, when you choose to get a quote for, or to request more information about, insurance, the Personal Information you provide about yourself is shared with relevant third parties necessary to fulfill your request. To continue this example, we may then share this information with insurance agencies, insurance brokers, and insurance companies, as well as, in some cases, with third-party finder and lead aggregator companies who will pass along your information to help fulfill your request concerning insurance. When you make an inquiry about an insurance quote or to get a quote from a financial institution about a loan or other product or service they offer, by entering your Personal Information and clicking on the "Submit," "Get Quotes," or any similar button, you are authorizing the sharing of your inquiry and your Personal Information with other businesses who provide, market or find the insurance or financial products or services that match your inquiry. Insurance and financial institutions and other companies who subscribe to our services compete for the opportunity to provide the products and services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by email and telephone with information about financial or insurance products or services they offer that match your inquiry. We are not responsible or liable for these third parties' use of your Personal Information.
á If you choose to send messages through our Sites, to identify you as the sender to the recipient indicated by you. We will ask you for such recipient's name and email address, and we store both email addresses for the purpose of sending such message.
á By you, on message boards, chat, profile pages, blogs, and other services to which you are able to post information and materials. Please note that any information you post or disclose through these services will become public information, and may be available to visitors to the Sites and to the general public.
á By you, if you have provided a testimonial about a Site and given us permission to post that testimonial on the Site.
á To a third party in the event that AdSkale goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, or in the unlikely event of a bankruptcy; in any of these circumstances your Personal Information will likely be among the assets transferred. You will be notified via email or prominent notice on this website for thirty (30) days of any such change in ownership or control of your Personal Information.
believe to be necessary or appropriate: (a) under applicable law, including
laws outside your country of residence; (b) to comply with legal process; (c)
to respond to requests from public and government authorities including public
and government authorities outside your country of residence; (d) to enforce
our terms and conditions; (e) to protect our operations or those of any of our
affiliates; (f) to protect our rights, privacy, safety or property, and/or that
of our affiliates, you or others; and (g) to allow us to pursue available
remedies or limit the damages that we may sustain.
3. NON-PERSONAL INFORMATION
The Non-Personal Information We Collect
"Non-Personal Information" is any information that does not reveal your specific identity, such as:
á Browser information
á Information collected through cookies, pixel tags, and other technologies
á Demographic information and other information provided by you
á Aggregated information
How This Non-Personal Information Is Collected
How Non-Personal Information Is Used and Disclosed
Because Non-Personal Information does not personally identify you, we may use and disclose Non-Personal Information for any lawful purpose. However, without your affirmative, express consent, we will not share with third parties (or permit third-party advertising networks to collect on the Sites) your information of a sensitive nature (such as information about your disease conditions or information about your precise physical location) combined with a device-specific identifier (like your IP address) so that they can target ads to you on multiple websites or track your Internet behavior over time. In some instances, we may combine Non-Personal Information with Personal Information (such as combining your name with your geographical location). If we combine any Non-Personal Information with Personal Information, the combined information will be treated by us as Personal Information as long as it is combined.
Your "Internet Protocol Address" or "IP Address" is a number that is automatically assigned to the computer that you are using by your Internet Service Provider (ISP).
How We Log IP Addresses
An IP Address is identified and logged automatically in our server log files whenever a user visits the Sites, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the Internet and is done automatically by many websites.
How We Use and Disclose IP Addresses
We use IP Addresses
for purposes such as calculating Site usage levels, helping diagnose server
problems, geographic mapping and administering the Sites. We may also use and
disclose IP Addresses for all the purposes for which we use and disclose
Personal Information. Please note that we treat IP Addresses, server log files
and related information as Non-Personal Information, except where we are required
to do otherwise under applicable law.
4. THIRD PARTY SITES
5. THIRD PARTY PARTNERS AND VENDORS
Our Sites may include social media features, such as the Facebook, Like, or Tweet This button. These features may collect your IP Address or which page you are visiting on our Sites, and may set a cookie to enable the feature to function properly. These features are either hosted by a third party or hosted directly on our Sites. Your interactions with these features are governed by the privacy policies of the companies providing them. PLEASE NOTE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS AND/OR OMISSIONS OF THIRD PARTY PARTNERS AND VENDORS.
We use reasonable organizational, technical, and administrative measures to protect Personal Information under our control. For example, with regard to AdSkale's internal operations, only authorized employees and authorized third party Service Providers are permitted to access Personal Information, and they may do so only for permitted business functions. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the Contacting Us section below.
The security of your Personal Information is important to us. When you enter sensitive information (such as credit card number and personal health information) on our forms, we encrypt that information once it is entered.
7. CHOICES AND ACCESS
We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt-out from:
á Receiving electronic marketing communications from us and our affiliates. If you no longer want to receive marketing-related emails from us and our affiliates on a going-forward basis, you may opt-out of receiving these marketing-related emails by clicking here or by using the "unsubscribe" link in our emails and following the instructions to unsubscribe. It may take up to ten (10) business days for us to fully process an opt-out request. We may send you other types of transactional and relationship email communications, such as requests for additional information, confirmations, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of marketing email communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your opt-out preferences or updated your information, you may have to change your preferences directly with that third party.
á Our sharing of your Personal Information with unaffiliated third parties for their marketing purposes. If you would prefer that we do not share your Personal Information on a going-forward basis with unaffiliated third parties for their marketing purposes, you may opt out of this sharing by contacting us as further explained in "How you can access, change or suppress your Personal Information" below, and requesting that we suppress all of your Personal Information on a going-forward basis. Please note that if you opt out of such sharing, we will not be able to remove your Personal Information from the databases of third parties with which we have already shared your Personal Information (i.e. to which we have already provided your Personal Information as of the date that we implement your opt-out request). If you wish to cease receiving marketing-related emails or other information from these third parties, please contact them directly or utilize any opt-out mechanisms in their privacy policies or marketing-related emails or other materials. We will seek to comply with your request(s) as soon as reasonably practicable.
á SMS messages. If you are receiving SMS messages from us, you may opt out from further SMS messages and remove your SMS information from our database by responding "STOP" to the SMS text message you have received.
Can Access, Change
or Suppress Your Personal Information
If you would like to review, correct, update, suppress or delete, on a going-forward basis, our use of your Personal Information previously provided to us, you may do so by contacting us at info@HARPLoanAdvisor.org and providing the name of the service for which information was provided, as well as your full name, mailing address, phone number and email address, so that we may identify you in the opt-out process. For your protection, we will only implement such requests with respect to the Personal Information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request.
In your request, please make clear what information you would like to have changed, whether you would like to have your Personal Information suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information. We will respond to your request within thirty (30) days. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backups), or for which access is not otherwise required.
8. USE OF SITES BY MINORS
The Sites are not
directed to individuals under the age of eighteen (18). We request that these
individuals do not use our Sites and do not provide Personal Information
through our Sites. If we acquire actual knowledge that we have collected
Personal Information from a specific individual under the age of eighteen (18),
we will delete this information, unless we are required to retain it by law.
9. CROSS-BORDER TRANSFER
Information may be stored and processed in any country where we have
facilities, and by providing any Personal Information to us you consent to the
transfer of such Personal Information to countries outside of your country of
residence, including the United States, which may have different data
protection rules from your country of residence.
10. SENSITIVE INFORMATION
In general, we ask
that you not send us, and you not disclose, any sensitive Personal Information
(e.g., Social Security number, driver's license number, credit card number
(unless necessary to make a purchase), information related to racial or ethnic
origin, political opinions, religion or other beliefs, criminal background or
trade union membership) on or through our Sites or otherwise to us. With regard
to health-related Personal Information, we ask that you submit only that
information which is required by our forms and do not provide health-related
Personal Information to us which we have not specifically asked for.
11. CALIFORNIA PRIVACY RIGHTS
California law requires that certain specific disclosures be made available to California residents who use the Internet and provide Personal Information that may be used for marketing purposes. That law requires any business that discloses a customer's Personal Information (as defined by the law) to any third party for direct marketing purposes to provide the customer a method for obtaining the names, addresses, and certain other specified details of anyone who might have received that Personal Information. If you are a California resident, you may request this information by writing to us at the address below. AdSkale is not obligated to respond to more than one such request from you per calendar year.
We may change this
time, so please review it frequently. If we make material changes to this
policy, we will notify you here in this policy, by email, or by means of a
effective for information collected on a going-forward basis when we post the
13. HOW TO CONTACT US
214 Main St. #186
El Segundo, CA 90245