(last updated on November 29th, 2022)
1. Personal Information
TYPES OF COOKIES
The following types of cookies may be used when you visit the Interface:
Advertising cookies are placed on your computer by advertisers and ad servers in order to display advertisements that are most likely to be of interest to you. These cookies allow advertisers and ad servers to gather information about your visits to the Site and other websites, alternate the ads sent to a specific computer, and track how often an ad has been viewed and by whom. These cookies are linked to a computer and do not gather any personal information about you.
Analytics cookies monitor how users reached the Site, and how they interact with and move around once on the Interface. These cookies let us know what features on the Interface are working the best and what features on the Interface can be improved.
Our cookies are “first-party cookies”, and can be either permanent or temporary. These are necessary cookies, without which the Interface won’t work properly or be able to provide certain features and functionalities. Some of these may be manually disabled in your browser, but may affect the functionality of the Interface.
Personalization cookies are used to recognize repeat visitors to the Interface. We use these cookies to record your browsing history, the pages you have visited, and your settings and preferences each time you visit the Interface.
Security cookies help identify and prevent security risks. We use these cookies to authenticate users and protect user data from unauthorized parties.
Site Management Cookies
Site management cookies are used to maintain your identity or session on the Site so that you are not logged off unexpectedly, and any information you enter is retained from page to page. These cookies cannot be turned off individually, but you can disable all cookies in your browser.
CONTROL OF COOKIES
Most browsers are set to accept cookies by default. However, you can remove or reject cookies in your browser’s settings. Please be aware that such action could affect the availability and functionality of the Site.
For more information on how to control cookies, check your browser or device’s settings for how you can control or reject cookies, or visit the following links:
- Apple Safari
- Google Chrome
- Microsoft Edge
- Microsoft Internet Explorer
- Mozilla Firefox
- Android (Chrome)
- Iphone or Ipad (Chrome)
- Iphone or Ipad (Safari)
In addition, you may opt-out of some third-party cookies through the Network Advertising Initiative’s Opt-Out Tool.
OTHER TRACKING TECHNOLOGIES
In addition to cookies, we may use web beacons, pixel tags, session recording, and other tracking technologies on the Site to help customize the Site and improve your experience. A “web beacon” or “pixel tag” is tiny object or image embedded in a web page or email. They are used to track the number of users who have visited particular pages and viewed emails, and acquire other statistical data. They collect only a limited set of data, such as a cookie number, time and date of page or email view, and a description of the page or email on which they reside. Web beacons and pixel tags cannot be declined. However, you can limit their use by controlling the cookies that interact with them.
3. Collection of Information
The information we learn from customers allows us to personalize and continually improve the performance of the Interface and your experience on it. You can visit the Interface without actively disclosing any personal information about yourself. However, there are some types of information which are collected automatically, and in order to fully utilize certain services of the Interface, you must provide certain personal information. This information may be provided by:
- using the “contact us” portion of the Interface;
- using the “get a quote” portion of the Interface;
- joining our mailing list;
- applying for a position with the Company or our affiliates through the Site; and
- by corresponding with a representative of the Company via the Application or via e-mail using the hyperlinks created for that purpose. Here are the types of information we gather:
Merchant Fields (upon sign up), including: first name; last name; company name; company address; phone; fax; business license information (if applicable); email; password; mailing address; billing street name; billing city; billing state; ZIP Code; credit card number; name on card; card verification value (CVV); expiration month; expiration year; Internet Protocol (IP) address; purchase information; your mobile device information (e.g., device model, operating system version, device date and time, unique device identifiers, mobile network information); how you use our Interface and mobile applications, search terms, pages you visit on Geofactor; media information (e.g. Advertising engagement in social, and digital media); and terms and conditions acceptance “checkbox.”
Automatic Information that your web browser, phone or other mobile device sends whenever you visit any aspect of the Interface, including: your IP address used to connect your computer to the Internet; login; e-mail address; computer or mobile device identifiers and connection information such as browser type and version, operating system, and platform, the full Uniform Resource Locator (URL) click stream to, through, and from the Site, including date and time; cookie number.
During some visits we may use software tools such as Java Script to measure and collect session information, including page response times, download errors, length of visits to certain pages of the Site, page interaction information (such as scrolling, clicks and mouse-over’s), and methods used to browse away from the page.
4. California Do Not Track Disclosures: Some web browsers have a “Do Not Track” feature. This feature lets you tell websites you visit that you do not want to have your online activity tracked. These features are not yet uniform across browsers. Our sites are not currently set up to respond to those signals. Use of Information
The Company uses both your personal information and certain non-personally-identifiable information (such as anonymous user usage data, cookies, IP addresses, browser type, clickstream data, etc.) to provide you services and to improve the quality and design of the Interface and to create new features, promotions, functionality, and services by storing, tracking, and analyzing user preferences and trends.
The Company does not use your email address or other personal information to send commercial or marketing messages without your consent or except as part of a specific program or feature for which you will have the ability to opt-in or opt-out. You may opt out of receiving any, or all, of these communications by emailing us at info@Geofactor.com or by clicking on the “unsubscribe” link in any email sent by the Company or by replying to any email sent by the Company and entering the word UNSUBSCRIBE in the subject line. The Company may, however, use your email address without further consent for non-marketing or administrative purposes (such as notifying you of major Interface changes or for customer service purposes).
5. Sharing of Information
The information that we collect about our customers is critical to our business. We respect and value this information, and do not want to jeopardize the flow of information between our customers and the site. Therefore, we are not in the business of selling this information to other web sites or unrelated businesses. There are very limited circumstances where we do share some customer information, which is outlined immediately below. We share customer information only as described below and with subsidiaries the Company controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.
The Company does not share your personal information with other, third-party companies for their commercial or marketing use without your consent or except as part of a specific program or feature for which you will have the ability to opt-in or opt-out. If you are a California resident, you may request information regarding the disclosure of your personal information by the Company to third parties for the third parties’ direct marketing purposes. To make such a request, please send an email to info@Geofactor.com and include “CA Privacy” in the subject line or you may write us at the address provided below.
We disclose personal information to respond to legal requirements, take precautions against liability, to investigate and defend itself against any third-party claims or allegations, enforce our policies, respond to claims that a listing or other content violates the rights of others, or protect anyone’s rights, property, or safety. Such information will be disclosed in accordance with applicable laws and regulations.
We also share your personal information with:
- Service providers under contract who help with our business operations (such as, but not limited to, fraud investigations, bill collection, affiliate and rewards programs, site operations, and co-branded credit cards).
- Other third parties to whom you explicitly ask us to send your information (or about whom you are otherwise explicitly notified and consent to when using a specific service).
- Law enforcement, governmental agencies, or authorized third-parties, in response to a verified request relating to a criminal investigation or alleged illegal activity or any other activity that may expose us, you, or any third party to legal liability. In such events, we will disclose information relevant and necessary to the investigation or inquiry, such as name, city, state, ZIP Code, telephone number, email address, user identification history, IP address, fraud complaints, and anything else we may deem relevant to the investigation.
Pursuant to Cal. Civ. Code § 1798.130, in the past twelve (12) months, the Company has disclosed the following categories of personal information for a business purpose:
- (i) Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
- (ii) As set forth in Cal. Civ. Code § 1798.80, Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
- (iii) Characteristics of protected classifications under California or federal law.
- (iv) Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
- (v) Biometric information.
- (vi) Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.
- (vii) Geolocation data.
- (viii) Audio, electronic, visual, thermal, olfactory, or similar information.
- (ix) Professional or employment-related information.
- (x) Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act.
Pursuant to Cal. Civ. Code § 1798.130, in the past twelve (12) months, the Company has sold the following categories of personal information:
- (A) Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
- (B) As set forth in Cal. Civ. Code § 1798.80, Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
- (C) Characteristics of protected classifications under California or federal law.
- (D) Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
- (E) Biometric information.
- (F) Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.
- (G) Geolocation data.
- (H) Audio, electronic, visual, thermal, olfactory, or similar information.
- (I) Professional or employment-related information.
- (J) Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act.
6. Information Security
To protect the security of your information during transmission, we use Secure Sockets Layer (SSL) software, which encrypts information you input. We reveal only the last four digits of your credit card or bank account numbers when confirming an order, subject to such further and more restrictive state and federal laws as may apply, and/or to the current standards for data transfer and processing mandated by credit card issuers and merchant banks. To process your periodic fees, it is necessary to transmit the entire credit card number or bank account number to the appropriate credit card merchant bank. To prevent unauthorized access to sensitive information, it is important for you to monitor those who have access to your password and your computer. Be sure to sign off when finished using a shared computer. Visit our web site for more information on how to sign off.
7. User Access to Information
When you access your account, there is a variety of information that you will see. This is designed to allow you to update any changed information and view the information that you entered previously. This information is sensitive, and it is necessary to both protect this information and keep it current in order to have the best experience at our site. Examples of the type of information that can be accessed by signing into your account are on the web site.
8. User Choices With Regard to Access to Information
You always have the right to refrain from providing any information. This may have an impact on use of the site and on the ease of making purchases or taking advantage of certain unique features of the site. You can add or update certain information on pages such as those listed in the “User Access to Information” section above. When you update information, we keep a copy of the prior version for our records. If you do not want to receive e-mail or other mail from us, please adjust your account setting regarding email contact preferences. (You cannot waive the applicability of the Service Agreement and other legal notices, such as this Privacy Notice, and if you elect not to receive those notices, they will still govern your use of the Interface, and it is your responsibility to review them for changes.) The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, affecting the acceptance of cookies means that you may not be able to use certain aspects of the Interface.
If you want to review, verify or correct your personal information, please contact the Company in writing. Pursuant to Cal. Civ. Code §§ 1798.110 and 1798.115, you have the right to request, free of charge, the disclosure of the categories of personal information collected by us, the categories of sources from which your personal information is collected, the business or commercial purpose for collecting or selling such information, the categories of third parties with whom we share your information, and the specific information we have collected about you. When requesting access to your personal information, please note that we may request specific information from you to enable us to confirm your identity and right to access, as well as to search for and provide you with the personal information that we hold about you. We may charge you a fee to access your personal information if your requests are deemed unfounded or excessive; however, we will advise you of any fee in advance. If you require assistance in preparing your request, please contact the Company.
Your right to access the personal information that we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the personal information that we hold about you. In addition, the personal information may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices. In the event that we cannot provide you with access to your personal information, we will endeavor to inform you of the reasons why, subject to any legal or regulatory restrictions. However, pursuant to Cal. Civ. Code § 1798.125, we are forbidden from discriminating against you because of your exercise of a right under the California Consumer Privacy Act (Cal. Civ. Code § 1798.100 et seq.) by denying your goods or services, by charging different prices or rates for goods or services, by providing a different level or quality of goods or services, or suggesting any of the foregoing.
9. Links to other websites and applications
The Interface may contain links to other websites or mobile applications that are not controlled in any way by the Company. Please be aware of this when you click on any such links; the Company is not responsible for the privacy practices and/or policies of any website or mobile application other than our own.
10. Our commitment to children’s privacy
Protecting the privacy of young children is especially important. For that reason, the Company does not knowingly collect or maintain personal information or non-personally-identifiable information on the Interface from persons under 18 years of age, and no part of our Interface is directed to persons under 18. If you are under 18 years of age, then please do not use or access the Interface at any time or in any manner. If the Company learns that personal information of persons under 18 years of age has been collected on the Interface without verified parental consent, then the Company will take the appropriate steps to delete this information.
11. Special note to international users
12. Your California Privacy Rights
California Civil Code Section 1798.83 permits our visitors who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using your preferred method as indicated by our contact details listed below.
13. Merger, Sale, or Bankruptcy
In the event that the Company is acquired by or merged with a third party entity, it reserves the right, in any of these circumstances, to transfer or assign the information (including personal information) it has collected from its users as part of such merger, acquisition, sale, or other change of control. In the unlikely event of the Company’s bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors’ rights generally, the Company may not be able to control how your personal information is treated, transferred, or used.
14. Conditions of Use, Notices and Revisions
15. Contact details
16. Disclosure and Updates