LEGAL
2for1 Credit Lines PRIVACY & LEGAL POLICIES
We take seriously the collection of personally identifiable information from our visitors and work to protect each visitor’s privacy in accordance with the terms of this policy. We use the terms “visitors” and “you” to include any person or entity who accesses this website for any amount of time. The “Service” refers to the 2for1 Credit Lines credit services, the terms of which are governed by our [Merchant Agreements]. The term “Users” applies to registered users of the Service who set up an “Account” with us. Please carefully review our privacy practices below.
I. How To Reach Us
You may contact us directly if you have any questions about this Privacy Policy. Please contact us at [email protected].
II. Collection of Personal Information by 2for1 Credit Lines
To operate this Website and the Service, we may request and collect certain personally identifiable information from our visitors and Users, including, but not limited to, name, home and email addresses, telephone numbers, billing information, credit information and birth date (referred to herein as “personal information”). We may use collected personal information to allow us to contact you concerning promotions relating to the Service, upgrades and changes to the Service; respond to your inquiries or requests; protect the security of our Users, or in connection with User and visitor surveys about various topics. We use contract and/or third party service providers to collect visitor and User personal information on our behalf. These providers disclose personal information to us and/or may assist us in providing the Service to you. The personal information collected through this website may be combined and maintained with information we collect offline.
III. Collection of Personal Information by Site Partners or Co-Sponsors
Certain third parties may join with us to offer certain features or promotions which relate to the Service. If you submit personal information in joint activities, the co-sponsor or partner may share personal information submitted for the activity with us and/or we may share such information with them. The co-sponsor or partner may also maintain separate privacy policies governing the collection, use and disclosure of your personal information. 2for1 Credit Lines and/or the third party partner or co-sponsor may also use the personal information collected in conjunction with such activities for the marketing of additional services, promotions or events. Depending on the activity, Users will be able to either grant approval on the types of additional offers or services they want to receive before personal information is collected (“opt-in”), or choose to deny use of their personal information for additional purposes (“opt-out”). 2for1 Credit Lines, its affiliates and subsidiaries are not responsible for the collection, use and disclosure practices of third parties.
IV. Collection of Non-Personal Information and Use of Tracking Devices
We may collect non-personal information about visitors through use of cookies or other tracking devices, such as gifs.
Cookies. A cookie is a small data file that contains a unique identification number that a website places on your hard drive. The “cookie” is able to store information such as data about your computer, the type of browser you use, and how many times your computer visits a certain site and selections chosen.
Gifs. A clear gif [Graphics Interchange Format] (also known as pixel tags, web beacons or web bugs) is a tiny line of code that is programmed to collect certain information about a visit to a particular website, such as how many hits a site link receives or to retrieve certain cookies or track visitor preferences.
These and other tracking devices collect aggregate “hits” data, including Internet server and browser identification, the Internet service provider, clickstream information, the web page from which a visitor enters our site, web pages visited, and duration of visit and domain type. This aggregate information may also include demographic or geographic data and visitor usage patterns. We may use these devices and information gathered to gauge the effectiveness of our website and site features; to tailor our website to your specific interests, requests or participation; to simplify site navigation; or to deliver a more personalized website service by recognizing certain choices you have made on our site so you do not need to re-enter these choices when you return to our site. We may also use tracking devices to conduct research, for auditing purposes, or to estimate visitor interest. We do not use tracking devices to independently collect personal information.
However, the aggregate “hits” data collected by these tracking devices may electronically link to some personal information that you have voluntarily provided over our website. We do not disclose this combined information (personal information linked to our cookie and gif collection practices) to nonaffiliated third parties. To prevent the automatic recording of data by cookies, you can configure your browser to either reject all cookies or notify you when a cookie is sent. You do not need to have cookies turned on to browse most of our website. You may find, however, that some areas on the website will be slower, may not function at all, and/or you may not be able to participate in activities on our website that require you to log-in or register.
V. Disclosure of Personal Information by 2for1 Credit Lines
We may disclose your personal information with other parties when you consent to the disclosure; it is required or permitted by law; it is necessary to operate our website or the Service; to protect the safety of our visitors, employees or property; to investigate or help prevent unlawful activity or activity that threatens our network or website; to provide or enhance our website or Service features or operations.
The third parties with whom we disclose personal information include our partners, affiliates; subsidiaries; agents; consultants; content or service providers; entities that provide website and technical operational support; attorneys; accountants; auditors; authorized government entities or other lawfully authorized parties. We may disclose personal information with other third parties in conjunction with entering into an agreement for the sale of our stock or assets, merger or if we are involved in bankruptcy proceedings. We may disclose aggregate, non-personal information to other parties for other purposes, such as marketing or promotional activities.
VI. How to Discontinue Your Account
If at any time you choose to discontinue receipt of electronic communications, please follow the opt-out or unsubscribe instructions contained in the applicable email or electronic communication or go to the “Subscribe/Unsubscribe” area of our website. We will take reasonable efforts to efficiently process your request. Please email us at [email protected]
VII. How to Change Personal Information
You may request that we change or delete certain personal information in connection your Account by contacting us via email at [email protected]. Certain information that we collect cannot be deleted for security purposes, in accordance with various laws or per our business retention practices. We retain the right to refuse to change or delete certain personal information.
VIII. Retention of Personal Information
We retain personal information for as long as it is needed to maintain our business records in the ordinary course, including in connection with managing your Account, preserve our database and website records, to comply with laws governing our business, or if there are authorized requests for retention and/or disclosure from government, law enforcement or the courts. This means that we may retain personal information for years after the initial collection of the information.
IX. Security of the Personal Information
We Collect We use reasonable commercial efforts to protect the security of personal information transmitted to us through our website, through the Service and stored by us. We require our employees to protect the privacy of visitor’s and User’s personal information. Only employees and contractors/vendors with specific authorization have access to our databases containing visitors’ and Users’ personal information. Please remember that despite our security measures, the transmission of data over the Internet, telecommunications networks, and our storage of data are not guaranteed to be completely secure. Parties not under the control of 2for1 Credit Lines may intercept or access electronic transmissions or other data without authorization. Thus, we cannot ensure or warrant the security of information you send to or receive from us. Any electronic transmissions that you submit or accept are at your own risk. X. Changes to Our Privacy Policy If we update or change the terms of this Policy, we will post changes in a revised Privacy Policy available on this website. To keep informed about the information we collect, how we use it and our disclosures, you must review our Privacy Policy on a regular basis.
We take seriously the collection of personally identifiable information from our visitors and work to protect each visitor’s privacy in accordance with the terms of this policy. We use the terms “visitors” and “you” to include any person or entity who accesses this website for any amount of time. The “Service” refers to the 2for1 Credit Lines credit services, the terms of which are governed by our [Merchant Agreements]. The term “Users” applies to registered users of the Service who set up an “Account” with us. Please carefully review our privacy practices below.
I. How To Reach Us
You may contact us directly if you have any questions about this Privacy Policy. Please contact us at [email protected].
II. Collection of Personal Information by 2for1 Credit Lines
To operate this Website and the Service, we may request and collect certain personally identifiable information from our visitors and Users, including, but not limited to, name, home and email addresses, telephone numbers, billing information, credit information and birth date (referred to herein as “personal information”). We may use collected personal information to allow us to contact you concerning promotions relating to the Service, upgrades and changes to the Service; respond to your inquiries or requests; protect the security of our Users, or in connection with User and visitor surveys about various topics. We use contract and/or third party service providers to collect visitor and User personal information on our behalf. These providers disclose personal information to us and/or may assist us in providing the Service to you. The personal information collected through this website may be combined and maintained with information we collect offline.
III. Collection of Personal Information by Site Partners or Co-Sponsors
Certain third parties may join with us to offer certain features or promotions which relate to the Service. If you submit personal information in joint activities, the co-sponsor or partner may share personal information submitted for the activity with us and/or we may share such information with them. The co-sponsor or partner may also maintain separate privacy policies governing the collection, use and disclosure of your personal information. 2for1 Credit Lines and/or the third party partner or co-sponsor may also use the personal information collected in conjunction with such activities for the marketing of additional services, promotions or events. Depending on the activity, Users will be able to either grant approval on the types of additional offers or services they want to receive before personal information is collected (“opt-in”), or choose to deny use of their personal information for additional purposes (“opt-out”). 2for1 Credit Lines, its affiliates and subsidiaries are not responsible for the collection, use and disclosure practices of third parties.
IV. Collection of Non-Personal Information and Use of Tracking Devices
We may collect non-personal information about visitors through use of cookies or other tracking devices, such as gifs.
Cookies. A cookie is a small data file that contains a unique identification number that a website places on your hard drive. The “cookie” is able to store information such as data about your computer, the type of browser you use, and how many times your computer visits a certain site and selections chosen.
Gifs. A clear gif [Graphics Interchange Format] (also known as pixel tags, web beacons or web bugs) is a tiny line of code that is programmed to collect certain information about a visit to a particular website, such as how many hits a site link receives or to retrieve certain cookies or track visitor preferences.
These and other tracking devices collect aggregate “hits” data, including Internet server and browser identification, the Internet service provider, clickstream information, the web page from which a visitor enters our site, web pages visited, and duration of visit and domain type. This aggregate information may also include demographic or geographic data and visitor usage patterns. We may use these devices and information gathered to gauge the effectiveness of our website and site features; to tailor our website to your specific interests, requests or participation; to simplify site navigation; or to deliver a more personalized website service by recognizing certain choices you have made on our site so you do not need to re-enter these choices when you return to our site. We may also use tracking devices to conduct research, for auditing purposes, or to estimate visitor interest. We do not use tracking devices to independently collect personal information.
However, the aggregate “hits” data collected by these tracking devices may electronically link to some personal information that you have voluntarily provided over our website. We do not disclose this combined information (personal information linked to our cookie and gif collection practices) to nonaffiliated third parties. To prevent the automatic recording of data by cookies, you can configure your browser to either reject all cookies or notify you when a cookie is sent. You do not need to have cookies turned on to browse most of our website. You may find, however, that some areas on the website will be slower, may not function at all, and/or you may not be able to participate in activities on our website that require you to log-in or register.
V. Disclosure of Personal Information by 2for1 Credit Lines
We may disclose your personal information with other parties when you consent to the disclosure; it is required or permitted by law; it is necessary to operate our website or the Service; to protect the safety of our visitors, employees or property; to investigate or help prevent unlawful activity or activity that threatens our network or website; to provide or enhance our website or Service features or operations.
The third parties with whom we disclose personal information include our partners, affiliates; subsidiaries; agents; consultants; content or service providers; entities that provide website and technical operational support; attorneys; accountants; auditors; authorized government entities or other lawfully authorized parties. We may disclose personal information with other third parties in conjunction with entering into an agreement for the sale of our stock or assets, merger or if we are involved in bankruptcy proceedings. We may disclose aggregate, non-personal information to other parties for other purposes, such as marketing or promotional activities.
VI. How to Discontinue Your Account
If at any time you choose to discontinue receipt of electronic communications, please follow the opt-out or unsubscribe instructions contained in the applicable email or electronic communication or go to the “Subscribe/Unsubscribe” area of our website. We will take reasonable efforts to efficiently process your request. Please email us at [email protected]
VII. How to Change Personal Information
You may request that we change or delete certain personal information in connection your Account by contacting us via email at [email protected]. Certain information that we collect cannot be deleted for security purposes, in accordance with various laws or per our business retention practices. We retain the right to refuse to change or delete certain personal information.
VIII. Retention of Personal Information
We retain personal information for as long as it is needed to maintain our business records in the ordinary course, including in connection with managing your Account, preserve our database and website records, to comply with laws governing our business, or if there are authorized requests for retention and/or disclosure from government, law enforcement or the courts. This means that we may retain personal information for years after the initial collection of the information.
IX. Security of the Personal Information
We Collect We use reasonable commercial efforts to protect the security of personal information transmitted to us through our website, through the Service and stored by us. We require our employees to protect the privacy of visitor’s and User’s personal information. Only employees and contractors/vendors with specific authorization have access to our databases containing visitors’ and Users’ personal information. Please remember that despite our security measures, the transmission of data over the Internet, telecommunications networks, and our storage of data are not guaranteed to be completely secure. Parties not under the control of 2for1 Credit Lines may intercept or access electronic transmissions or other data without authorization. Thus, we cannot ensure or warrant the security of information you send to or receive from us. Any electronic transmissions that you submit or accept are at your own risk. X. Changes to Our Privacy Policy If we update or change the terms of this Policy, we will post changes in a revised Privacy Policy available on this website. To keep informed about the information we collect, how we use it and our disclosures, you must review our Privacy Policy on a regular basis.
