This Privacy Policy and
notice
is effective as of August 1, 2020.
Our commitment to your privacy
Avanze and its affiliates is a third-party service
provider
to certain financial institutions, and our goal is to protect the privacy of our clients and
their
customers. This Privacy Policy is in effect for information we collect and/or own through our
website, online services, third-party providers, or applications submitted by our customers
(collectively, “Information Channels”). This Privacy Policy may be updated or modified at any
time
and shall become effective once the Privacy Policy is made available for viewing.
Avanze maintains industry safeguards, in accordance
with
applicable federal and state laws and regulations, to keep your Personal Information safe and
secure. When we provide Personal Information to Financial Entities, our affiliates, or
third-party
service providers, we require that these parties agree to process and keep the information in
compliance with applicable privacy laws.
The use of your information by our business partners
may be
subject to that party’s own privacy notice. Unless we are permitted by law, we will not disclose
the
information we collect about you from consumer or credit reporting agencies, without your
consent.
For certain online features or services, such as those that may include Personal Information, we
require the use of username/password and/or encryption technologies for the protection of your
Personal Information. You are responsible for protecting your username, password, and other user
account information from disclosure to third parties, and you are restricted from circumventing
the
use of required encryption technologies. You agree to:
(a) immediately notify us at compliance@avanzegroup.com
of
any unauthorized use of your username, password, and/or user account information, and/or any
other
breach of security;
(b) make sure that you log out from your user account
at
the end of each session. While we may provide certain safeguards to protect your confidential
information, we do not and cannot guarantee or warrant that any information transmitted through
the
Internet is secure, or that such transmissions are free from delay, interruption, interception,
or
error.
Your consent to this privacy
notice
You consent to the collection and use of your
information by Avanze in compliance with this Privacy Policy by your submitting Personal
Information to Avanze or using our services, unless you inform us otherwise, as
allowable by
law. Your available information choices are set forth below.
Types of information collected
To perform our services, we may collect certain
information from you, and third parties we engage may also collect such information to
host,
configure, maintaining, operating, administering, designing, and supporting our systems,
and
to provide services to the Financial Entities with whom you do business. We do not share
your Personal Information with third parties other than as set forth in this Privacy
Policy.
Each Financial Entity’s privacy notice shall apply to you and your Personal Information,
and
you should refer to those privacy notices to understand how the Financial Entity uses
and
processes your Personal Information. Avanze is not responsible, nor liable, for the
practices, privacy notices, and their content, of third parties, including the Financial
Entities with whom we, and you, do business.Personal Information that Avanze may collect
includes, but is not limited to, the following categories of information (“Personal
Information”):
- Contact (i.e., first/last name, mailing or property address, phone
number,
email address)
- Loans (i.e., loan number, account number)
- Other personal information required by Financial Entities in order to
provide services to you
- Payment information
Browsing information
Like most online services, we collect standard
technical, information when you use our Services, including, but not limited to unique
device identifiers, internet protocol (IP) addresses, browser types, internet service
providers (ISPs), the number and duration of page visits and the number of clicks. We
may
use cookies, which are small pieces of data stored on your device which include an
anonymous
unique identifier, for session purposes. We may use tracking systems for certain
systems,
and we recognize Do Not Track requests from internet browsers or similar devices
concerning
consumers, but not for Financial Institution employees acting within the scope of their
employment.
How we collect information
Information about you may be collected by Avanze from the following sources:
- From you directly and through our site: We may collect information
through
the Website when you visit. The data we collect depends on the context of your
interactions with our Website.
- Through business interaction: We may collect information through
business
interaction with you or your employees.
- From other sources: We may receive information from other sources, such
as
public databases; joint marketing partners; social media platforms; or other third
parties such as:
- Updated delivery and address information from our carriers or other
third
parties, which we use to correct our records and deliver your next purchase or
communication more easily.
- Information about your interactions with the products and services
offered
by our subsidiaries.
Use of collected information
We collect information primarily to provide better services to all our
customers.
- a. We collect the following information from you when you use or signup
on
our Website: Name, Email Address, Phone Number, Billing Address, and Credit card
details
- b. When you visit our Site, some information is automatically
collected.
This may include information such as the Operating Systems (OS) running on your
device,
Internet Protocol (IP) address, access times, browser type, and language, and the
website you visited before our Site. We also collect information about how you use
Our
products or services.
- c. We automatically collect purchase or content use history, which we
sometimes aggregate with similar information from other customers to create features
such as Best Seller, Top Rated, etc...
- d. The full Uniform Resource Locators (URL) clickstream to, through,
and
from our website (including date and time); cookie number; products and/or content
you
viewed or searched for; page response times; download errors; length of visits to
certain pages; page interaction information (such as scrolling, clicks, and
mouse-overs).
- e. We automatically collect information using "Cookies". Cookies are
small
data files stored on your hard drive the websites. Among other things, cookies help
us
improve our Site, our marketing activities, and your experience. We use cookies to
see
which areas and features are popular and to count visits to our Site.
- f. Most Web browsers are set to accept cookies by default. If you
prefer,
you can choose to set your browser to remove cookies and to reject cookies. If you
set
your browser to reject cookies, some features will be unavailable. For more
information
on how to reject cookies, see your browser's instructions on changing your cookie
settings.
- g. By using this Website, you are agreeing that We may advertise your
feedback on the Website and marketing materials.
- h. We will retain your information as long as we require this to
provide
you with the goods and services and for such period as mandated by the concerned
laws.
- i. If you opt to receive marketing correspondence from us, subscribe to
our
mailing list or newsletters, enter into any of our competitions or provide us with
your
details at networking events, we may use your personal data for our legitimate
interests
in order to provide you with details about our goods, services, business updates,
and
events.
When information is disclosed
We are permitted by law to provide your
Personal
Information to various companies and individuals, without obtaining your permission.
Certain
laws do not allow you to restrict these disclosures. In the section below entitled,
“Your
Information Choices,” we share with you how to limit certain disclosures of your
Personal
Information. Avanze may disclose information including, but not limited to, the
following
situations, to affiliates and third parties, unless otherwise restricted by applicable
law:
- To third parties to provide you with services you have requested, and
to
enable us to detect or prevent fraud, misrepresentation, or criminal activity
- To third parties that provide services on our behalf and use the
information only in connection with such services
- To law enforcement or other government authorities in connection with
an
investigation, civil or criminal subpoena, or court order
- To other third parties with whom you have given us written, including
electronic, authorization to disclose your Personal Information
- To investigate potential unauthorized use of our Information Channel
- To share and use, for any purpose, the Personal Information if it is in
an
aggregated, anonymized form so that you are not identified (collectively,
“De-Identified
Data”)
- In connection with a sale, transfer, or other disposition of all or
part of
Avanze’s business/assets, or the event of bankruptcy, reorganization, receivership,
insolvency, or assignment for the benefit of creditors
- For any purpose disclosed by us to you when you provide the
information,
and as directed by you, or with your permission (i) to understand and analyze trends
and
preferences; (ii) to monitor and analyze our Services’ effectiveness; (iii) to
improve
our Services and develop new products, services, features, and functionality; (iv)
to
personalize our Services, such as remembering your information so that you will not
have
to re-enter it during your visit or the next time you use our Services, and (v) to
provide customized content and information.
Data Transfer
- Information about our users is an important part of our business and we
take due care to protect the same.
- We share your data with your consent or to complete any transaction or
provide any product or service you have requested or authorized. We also share data
with
our affiliates and subsidiaries, with vendors working on our behalf.
- We may employ other companies and individuals to perform functions on
our
behalf. The functions include fulfilling orders for products or services, delivering
packages, sending postal mail and e-mail, removing repetitive information from
customer
lists, providing marketing assistance, providing search results and links (including
paid listings and links), processing payments, transmitting content, scoring credit
risk, and providing customer service.
- These third-party service providers have access to personal information
needed to perform their functions but may not use it for other purposes. Further,
they
must process the personal information in accordance with this Privacy Policy and as
permitted by applicable data protection laws.
- We release account and other personal information when we believe is
appropriate to comply with the law, enforce or apply our conditions of use, and
other
agreements, protect the rights, property, or safety of Us, our users, or others.
This
includes exchanging information with other companies and organizations for fraud
protection and credit risk reduction.
COOKIES
- To optimize our web presence, we use cookies. These are small text
files
stored on your computer's main memory. These cookies are deleted after you close the
browser. Other cookies remain on your computer (long-term cookies) and permit its
recognition on your next visit. This allows us to improve your access to our site.
This
helps us to learn more about your interests, and provide you with essential features
and
services and for additional purposes, including:
- Keeping track of items stored in your shopping basket.
- Conducting research and diagnostics to improve the content, products,
and
services.
- Preventing fraudulent activity.
- Improving security.
- Our cookies allow you to take advantage of some of our essential
features.
For instance, if you block or otherwise reject our cookies, you will not be able to
add
items to your shopping basket, proceed to checkout, or use any products or services
that
require you to sign in.
- Approved third parties also may set cookies when you interact with Our
services.
- Third parties include search engines, providers of measurement and
analytics services, social media networks, and advertising companies.
- Third parties use cookies in the process of delivering content,
including
ads relevant to your interests, to measure the effectiveness of their ads, and to
perform services on behalf of Us.
- You can prevent the storage of cookies by choosing a "disable cookies"
option in your browser settings. But this can limit the functionality of our
services.
Data Security
- We take due care to protect customer data. Technical measures are in
place
to prevent unauthorized or unlawful access to data and against accidental loss or
destruction of, or damage to, data. The employees who are dealing with the data have
been trained to protect the data from any illegal or unauthorized usage.
- We work to protect the security of your information during transmission
by
using Secure Sockets Locker (SSL) software, which encrypts information you input.
SSL
allows sensitive information such as credit card numbers, UID's and login
credentials to
be transmitted securely.
- We follow the Payment Card Industry Data Security Standard (PCI DSS)
when
handling branded credit cards from the major card schemes.
- We maintain physical, electronic, and procedural safeguards in
connection
with the collection, storage, and disclosure of personal customer information.
- We take reasonable steps to help protect your personal information in
an
effort to prevent the loss, misuse, and unauthorized access, disclosure alteration,
and
destruction. It is your responsibility to protect your usernames and passwords to
help
prevent anyone from accessing or abusing your accounts and services. You should not
use
or reuse the same passwords you use with other accounts as your password for our
services.
- It is important for you to protect against unauthorized access to your
password and your computers, devices, and applications. Be sure to sign off when you
finish using a shared computer.
- Information you provide to us is shared on our secure servers. We have
implemented appropriate physical, technical and organizational measures designed to
secure your information against accidental loss and unauthorized access, use,
alteration, or disclosure. In addition, we limit access to personal data to those
employees, agents, contractors, and other third parties that have a legitimate
business
need for such access.
- Information collected from you will be stored for such period as
required
to complete the transaction entered into with you or such period as mandated under
the
applicable laws.
Links to Third Party Site/Apps
Our Site may, from time to time, contain links
to
and from other websites of third parties. Please note that if you follow a link to any
of
these websites, such websites will apply different terms to the collection and privacy
of
your personal data, and we do not accept any responsibility or liability for these
policies.
When you leave our Site, we encourage you to read the privacy policy of every website
you
visit.
Your information choices
Avanze may use your Personal Information for
the
following purposes, which such use cannot be limited by you:
- For our everyday business purposes – to process your transactions,
respond
to law enforcement or other government authorities regarding an investigation, and
subpoenas or court orders
- For our own marketing purposes
- For joint marketing with financial companies
- For our affiliates’ everyday business purposes, we may share
information
about your transaction and experiences
You may choose to prevent Avanze from
disclosing or
using your Personal Information in the following circumstances
- For our affiliates’ everyday business purposes – information about your
credit worthiness
- For our affiliates to market to you
Updates and corrections
Updates and correctionsTo update or correct
your
Personal Information in our possession, please contact us as specified in this Privacy
Policy. Please be advised, in those cases where we are acting as a third-party service
provider to a Financial Institution, you must contact your Financial Institution to
update
or correct your Personal Information. (See the California Online Privacy Protection Act
below for additional information.) California Residents: Under California’s
“Shine
the Light” law, California residents who provide certain personally identifiable
information
in connection with obtaining products or services for personal, family, or household use
are
entitled to request and obtain from us, limited to once a calendar year, information
about
the customer information we may have shared (if any) with other businesses for their own
direct marketing uses. If applicable, this information would include the categories of
customer information and the names and addresses of those businesses with which we
shared
customer information for the immediately prior calendar year (e.g., requests made in
2018
will receive information regarding 2017 sharing activities, if any). To obtain this
information, please send an email message to compliance@avanzegroup.com with “Request
for
California Privacy Information” in the subject line and in the body of your email. We
will
provide the requested information to you at your email address in response. Please be
aware
that not all information sharing is covered by the “Shine the Light” requirements, and
only
information on covered sharing will be included in our response. California users are
entitled, under California Civil Code Section 1789.3, to the following consumer rights
notice: If you have a question or complaint regarding the services or products provided
through our systems, please send an email to compliance@avanzegroup.com. California
residents may reach the Complaint Assistance Unit of the Division of Consumer Services
of
the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Suite
N
112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. For
Nevada Residents: Nevada law allows marketing calls to existing customers even
if
you are listed on the national Do Not Call list; however, we do not market to consumers.
Nevada law requires that we also provide you with the following contact information:
Bureau
of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St.,
Suite
3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email:
BCPINFO@ag.state.nv.us.For
Oregon Residents: We will not share your Personal Information and/or Browsing
Information with non-affiliated third parties for marketing purposes, except after you
have
been informed by us of such sharing and had an opportunity to notify us that you do not
want
us to disclose your Personal Information for marketing purposes.For Vermont
Residents: We will not share your Personal Information and/or Browsing
Information
with non-affiliated third parties, except as permitted by Vermont law, such as to
process
your transactions or to maintain your account. We will not share information about your
creditworthiness with our Affiliates except with your authorization. For joint marketing
in
Vermont, we will only disclose your name, contact information, and information about
your
transactions.
The California Online Privacy
Protection Act
As noted above, in many instances we are acting
as
a third-party service provider to a Financial Institution. In those instances, we may
collect certain information on behalf of such Financial Institution. During these
transactions, we may collect some or all of the information on behalf of the Financial
Institution that is described in the section above-titled Types of Information
Collected.
Your submitted information is then transferred to your Financial Institution by way of
our
services. The Financial Institution is solely responsible for taking action or making
changes to any consumer information that is submitted through our systems. If you
believe
that your user information is incorrect, you must contact your Financial Institution. We
generally retain the information that you submit to us for 90 days. In some instances,
we
may retain the information indefinitely as not otherwise restricted by law or order. If
we
receive a timely request from you, we can provide the information to the applicable
Financial Institution that is acting on your behalf before we purge our workspace of
such
information. If you are receiving consumer services and have questions regarding the
choices
you have with regard to your personal information or how to access or correct your
personal
information, you should contact your Financial Institution
Changes to This Policy
We may change this policy from time to time. If
we
make any changes to this policy, we will change the "Last Updated" date above. You agree
that your continued use of our services after such changes have been published to our
services will constitute your acceptance of such revised policy.
Newsletter
Following subscription to the newsletter, your
e-mail address is used for our advertising purposes until you cancel the newsletter
again.
Cancellation is possible at any time. The following consent has been expressly granted
by
you separately, or possibly in the course of an ordering process: (I am accepting to
receive
newsletter from this website), you may revoke your consent at any time with future
effect.
If you no longer want to receive the newsletter, then unsubscribe by clicking on
unsubscribe
option given in the email footer.
If you have any concern about privacy or grievances with Us, please contact
us
with a thorough description and we will try to resolve the issue for you.
Contact Details:
Avanze Tech Labs, Inc.
Attn: Legal Department
4725 W Sand Lake Rd, Ste 105
Orlando, FL 32819
Email: compliance@avanzegroup.com
