Last updated: Mar. 2, 2020
What information do we collect?
Information you provide to us: We may collect any information when you register on our website, or that you give us in any other way. When ordering or registering on our website, as appropriate, you may be asked to enter your name, email address, mailing address, phone number or credit card information. You can choose not to provide certain information, but you may not be able to take advantage of our services and features. The information we collect may include the type of computer and browser you are using, Uniform Resource Locators (“URLs”) used by you to access the Website, your Internet Protocol (“IP”) address, your Machine Access Control (“MAC”) address, and what web service you are using. We may also collect the date, time, and length of visit, and the pages you visit. Collecting this information helps us design the site and the services to best suit your needs. This information may be compiled and analyzed on both an individual and an aggregate basis.
How and when will the information be used?
The information we collect is used to (i) process transactions. Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever without your consent, other than for the express purpose of keeping a record on our database; (ii) The email address you provide for membership registration will only be used to send you information regarding your membership, activities of the Balunsd and, occasionally, information from Balunsd’ sponsors that is relevant to research areas specified in your profile; (iii) to be shared with the third party. Any information you provide for membership registration on our website (including but not limited to name, email address, and phone number) might be shared with the third party. The third-party includes but is not limited to Balunsd’s co-marketing lenders.
By providing us with your phone number, you consent to our using your phone number to deliver or cause to be delivered to you at that phone number telemarketing calls (which may use an automatic telephone dialing system) and artificial or prerecorded voice or text messages. If you do not wish to receive such calls or messages, you may opt-out. You further consent to our sharing your phone number with our partners. You consent to our partners using your phone number to deliver or cause to be delivered to you at that phone number telemarketing calls (which may use an automatic telephone dialing system) and artificial or prerecorded voice or text messages. You release us from any possible liability or claim stemming from how our partners use your phone number, including but not limited to claims arising from the Telephone Consumer Protection Act. You understand that you are not required to provide this consent and authorization and that it is not a condition to quality for a loan or to receive any good or service
How do we protect your information?
The privacy and protection of your information is important to us. We do not make any personal information available to third parties without your permission unless said information is the subject of a valid subpoena or other court order. Your access to some services and content may be password protected. We advise that you do not disclose your password to anyone.
However, no data transmission over the Internet or any other wireless communication method can be guaranteed to be totally secure. As a result, while we will make all reasonable efforts to protect the privacy of your information during transmission, we make no guarantees, representations, or warranties with respect to the privacy of such transmitted information. Our obligations with respect to the security of your stored information are governed by the Terms and Conditions. State laws may also apply to impose obligations to secure stored information.
Which methods do we use to protect your information?
We use security software to protect the confidentiality of your personal information. In addition, our business practices are reviewed periodically for compliance with policies and procedures governing the security and confidentiality of our information. Our business practices limit employee access to confidential information and limit the use and disclosure of such information to authorized persons.
What about advertisements and linked sites?
What about Children?
We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act); we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older. If we learn that we have mistakenly collected personal information from a child under age 13, we will delete that information as soon as possible. If you believe that we might have information from or about a child under age 13, please contact us via [email protected].